Method, device and equipment for electronic payment and storage medium

Abstract

The embodiment of the invention relates to an electronic payment method and device, equipment and a storage medium. The method provided by the invention comprises the following steps: presenting a payment page in a target window, wherein the payment page provides a group of candidate payment modes; and in response to a target payment mode in the group of candidate payment modes being a selection state, displaying right description information corresponding to the target payment mode according to a target display mode corresponding to the target payment mode, the right description information being used for indicating a target right corresponding to the target payment mode, the target display mode at least indicates the display position of the right description information.

Description

Technical Field

[0001] Example embodiments of the present disclosure generally relate to the field of computers, and more particularly, to methods, devices, apparatuses, and computer-readable storage media for electronic payment. Background Art

[0002] With the development of computer technology, electronic payment has been widely used around the world as a convenient and efficient payment method. The interface for electronic payment is a window for users to interact with the payment system. Its design and technical implementation are crucial to improving users' payment experience and ensuring transaction security. Summary of the invention

[0003] In a first aspect of the present disclosure, an electronic payment method is provided. The method includes: presenting a payment page in a target window, the payment page providing a group of candidate payment methods; and in response to a target payment method in the group of candidate payment methods being in a selected state, presenting benefit description information corresponding to the target payment method according to a target display mode corresponding to the target payment method, the benefit description information is used to indicate a target benefit corresponding to the target payment method, and the target display mode at least indicates a display position of the benefit description information.

[0004] In a second aspect of the present disclosure, a device for electronic payment is provided. The device includes: a first presentation module configured to present a payment page in a target window, the payment page providing a group of candidate payment methods; and a second presentation module configured to present, in response to a target payment method in a group of candidate payment methods being in a selected state, rights description information corresponding to the target payment method according to a target display mode corresponding to the target payment method, the rights description information being used to indicate a target rights corresponding to the target payment method, and the target display mode at least indicating a display position of the rights description information.

[0005] In a third aspect of the present disclosure, an electronic device is provided. The device includes at least one processing unit; and at least one memory, the at least one memory is coupled to the at least one processing unit and stores instructions for execution by the at least one processing unit. When the instructions are executed by the at least one processing unit, the device executes the method of the first aspect.

[0006] In a fourth aspect of the present disclosure, a computer-readable storage medium is provided, wherein a computer program is stored on the computer-readable storage medium, and the computer program can be executed by a processor to implement the method of the first aspect.

[0007] It should be understood that the contents described in this content section are not intended to limit the key features or important features of the embodiments of the present disclosure, nor are they intended to limit the scope of the present disclosure. Other features of the present disclosure will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0008] The above and other features, advantages and aspects of the embodiments of the present disclosure will become more apparent with reference to the following detailed description in conjunction with the accompanying drawings. In the accompanying drawings, the same or similar reference numerals represent the same or similar elements, wherein:

[0009] Figure 1 A schematic diagram showing an example environment in which embodiments of the present disclosure can be implemented;

[0010] FIG. 2A to FIG. 2F Schematic diagrams showing a number of example electronic payment interfaces according to some embodiments of the present disclosure;

[0011] Figure 3 A flowchart of a process for displaying benefit description information according to some embodiments of the present disclosure is shown;

[0012] Figure 4 A flow chart showing a process for electronic payment according to some embodiments of the present disclosure;

[0013] Figure 5 A block diagram showing an apparatus for electronic payment according to some embodiments of the present disclosure; and

[0014] Figure 6 A block diagram of an electronic device capable of implementing various embodiments of the present disclosure is shown. DETAILED DESCRIPTION

[0015] It is understandable that before using the technical solutions disclosed in the embodiments of the present disclosure, the types, scope of use, usage scenarios, etc. of the personal information involved in the present disclosure should be informed to the user and the user's authorization should be obtained in an appropriate manner in accordance with relevant laws and regulations.

[0016] For example, in response to receiving an active request from a user, a prompt message is sent to the user to clearly prompt the user that the operation requested to be performed will require obtaining and using the user's personal information. Thus, the user can autonomously choose whether to provide personal information to software or hardware such as an electronic device, application, server, or storage medium that performs the operation of the technical solution of the present disclosure according to the prompt message.

[0017] As an optional but non-limiting implementation, in response to receiving an active request from the user, the prompt information may be sent to the user in the form of a pop-up window, in which the prompt information may be presented in text form. In addition, the pop-up window may also carry a selection control for the user to select "agree" or "disagree" to provide personal information to the electronic device.

[0018] It is understandable that the above notification and the process of obtaining user authorization are merely illustrative and do not constitute a limitation on the implementation of the present disclosure. Other methods that meet the relevant laws and regulations may also be applied to the implementation of the present disclosure.

[0019] It is understandable that the data involved in this technical solution (including but not limited to the data itself, the acquisition or use of the data) shall comply with the requirements of relevant laws, regulations and relevant provisions.

[0020] The term "in response to" as used herein refers to a state in which a corresponding event occurs or a condition is satisfied. It will be understood that the timing of executing a subsequent action executed in response to the event or condition is not necessarily strongly related to the time when the event occurs or the condition is satisfied. For example, in some cases, the subsequent action may be executed immediately when the event occurs or the condition is satisfied; while in other cases, the subsequent action may be executed some time after the event occurs or the condition is satisfied.

[0021] Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although certain embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be construed as being limited to the embodiments set forth herein. On the contrary, these embodiments are provided to provide a more thorough and complete understanding of the present disclosure. It should be understood that the drawings and embodiments of the present disclosure are only for exemplary purposes and are not intended to limit the scope of protection of the present disclosure.

[0022] It should be noted that the titles of any sections / subsections provided herein are not restrictive. Various embodiments are described throughout this article, and any type of embodiment may be included under any section / subsection. In addition, the embodiments described in any section / subsection may be combined in any manner with any other embodiments described in the same section / subsection and / or different sections / subsections.

[0023] In the description of the embodiments of the present disclosure, the term "including" and similar terms should be understood as open inclusion, that is, "including but not limited to". The term "based on" should be understood as "based at least in part on". The term "one embodiment" or "the embodiment" should be understood as "at least one embodiment". The term "some embodiments" should be understood as "at least some embodiments". Other explicit and implicit definitions may be included below. The terms "first", "second", etc. may refer to different or the same objects. Other explicit and implicit definitions may be included below.

[0024] As briefly mentioned above, with the development of computer technology, electronic payment has been widely used around the world as a convenient and efficient payment method. Traditionally, the payment page can support the selection of different payment methods and can provide rights and interests information corresponding to different payment methods. However, the traditional method usually displays the corresponding rights and interests in association with the payment method, which leads to confusing display of rights and interests information and makes it difficult for users to efficiently understand the corresponding rights and interests information.

[0025] To this end, an embodiment of the present disclosure proposes a scheme for electronic payment. According to various embodiments of the present disclosure, a payment page is presented in a target window, and the payment page provides a set of candidate payment methods; and in response to a target payment method in the set of candidate payment methods being in a selected state, according to a target display mode corresponding to the target payment method, rights description information corresponding to the target payment method is presented, and the rights description information is used to indicate the target rights corresponding to the target payment method, and the target display mode at least indicates the display position of the rights description information.

[0026] In this way, the embodiments of the present disclosure can dynamically determine the display mode, for example, the display position, of the benefit description information corresponding to different payment methods. Thus, the embodiments of the present disclosure can more clearly display the benefit description information to help users more intuitively and accurately understand the benefits corresponding to different payment methods.

[0027] In some example embodiments of the present disclosure, payment amount discounts are used as examples of benefits. However, it should be understood that the examples of payment amount discounts are only for illustrative purposes and should not be understood as limitations on benefits. In fact, the benefits of the present disclosure can be any benefits that users enjoy in terms of virtual resources. Virtual resources include, but are not limited to, coupons, electronic currency, virtual points, electronic exchange vouchers, and the like.

[0028] Example embodiments of the present disclosure are described below with reference to the accompanying drawings.

[0029] Example Environment

[0030] Figure 1 1 is a schematic diagram of an example environment 100 in which embodiments of the present disclosure can be implemented. Figure 1 As shown, example environment 100 may include electronic device 110 .

[0031] In this example environment 100, the electronic device 110 may run an application 120 for electronic payment. The application 120 may be any suitable type of application for electronic payment, examples of which may include but are not limited to: online shopping applications, content sharing applications, etc. The user 140 may interact with the application 120 via the electronic device 110 and / or its attached devices.

[0032] exist Figure 1 In the environment 100, if the application 120 is active, the electronic device 110 may present an interface 150 corresponding to the application 120. The interface 150 may include various pages provided by the application 120, such as a page for electronic payment. For example, the electronic device 110 may present an electronic payment page on the interface 150, and the electronic payment page may include information related to electronic payment, such as order information, product information, and payment methods.

[0033] In some embodiments, the electronic device 110 communicates with the server 130 to implement the provision of services for the application 120. The server 150 can provide management, configuration, maintenance and other functions related to the application or website.

[0034] The electronic device 110 can be any type of mobile terminal, fixed terminal or portable terminal, including mobile phones, desktop computers, laptop computers, notebook computers, netbook computers, tablet computers, media computers, multimedia tablets, handheld computers, portable game terminals, VR / AR devices, personal communication systems (PCS) devices, personal navigation devices, personal digital assistants (PDA), audio / video players, digital cameras / camcorders, positioning devices, television receivers, radio broadcast receivers, e-book devices, game devices, or any combination of the foregoing, including accessories and peripherals of these devices or any combination thereof. In some embodiments, the electronic device 110 can also support any type of interface for the user (such as "wearable" circuits, etc.).

[0035] The server 130 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content distribution networks, and big data and artificial intelligence platforms. The server 130 may include, for example, a computing system / server, such as a mainframe, an edge computing node, a computing device in a cloud environment, etc. The server 130 may provide background services for the application 120 that supports electronic payment in the electronic device 110.

[0036] A communication connection may be established between the server 130 and the electronic device 110. The communication connection may be established in a wired manner or a wireless manner. The communication connection may include, but is not limited to, a Bluetooth connection, a mobile network connection, a Universal Serial Bus (USB) connection, a Wireless Fidelity (WiFi) connection, etc., and the embodiments of the present disclosure are not limited in this respect. In the embodiments of the present disclosure, the server 130 and the electronic device 110 may implement signaling interaction through the communication connection between the two.

[0037] It should be understood that the structure and function of the various elements in the environment 100 are described for exemplary purposes only and do not imply any limitation on the scope of the present disclosure.

[0038] Various example implementations of the present disclosure will be described in detail below.

[0039] Example Interaction

[0040] The following will refer to FIG. 2A to FIG. 2F To describe the interactive process of an example electronic payment according to an embodiment of the present disclosure. FIG. 2A to FIG. 2F Example electronic payment interfaces 200A to 200F according to some embodiments of the present disclosure are shown. Such example electronic payment interfaces can be implemented by a suitable electronic device or combination of electronic devices (e.g., Figure 1 The electronic device 110, the server 130, or a combination of one or more of these devices).

[0041] In some scenarios, the electronic device 110 may present a page for online shopping, such as an online shopping mall. As an example, the electronic device 110 may receive a user's order creation request for a target object, such as a user's selection of a purchase control. Figure 2A As shown, the electronic device 110 may accordingly present the following in the target window 200A: Figure 2A The payment page 205 shown. In some scenarios, the payment page 205 is also referred to as a cashier page.

[0042] In some embodiments, the payment page may provide a set of candidate payment methods. Figure 2A As shown, the payment page may include multiple selection controls corresponding to multiple candidate payment methods, for example, selection control 225-1, selection control 225-2, selection control 225-3 and selection control 225-4 (individually or collectively referred to as selection controls 225).

[0043] In some embodiments, the user can select the target payment method by, for example, interacting with the selection control 225. For example, the user can select the second payment method by triggering the selection control 225-2. Figure 2A As shown, the selected second payment method may be in a selected state.

[0044] In some embodiments, a specific payment method in a plurality of candidate payment methods can also be initially set to a selected state. For example, when the payment page is triggered to be presented, the second payment method can be in a selected state by default, and the user can further modify the selected payment method by selecting control 225.

[0045] In some embodiments, Figure 2A As shown, the electronic device 110 can present the benefit description information corresponding to the selected target payment method in the payment page 205.

[0046] In some embodiments, the electronic device 110 may determine a target display mode corresponding to the selected target payment method, and may present the benefit description information in the payment page according to the determined target display mode. Thus, the electronic device 110 may dynamically determine the display mode of the benefit description information, rather than presenting the benefit description information in a fixed display mode.

[0047] In some embodiments, the target display mode may indicate the location where the benefit description information is displayed. For example, the target display mode may indicate whether the benefit description information is displayed in the preset area 210 of the payment page or in the selection control 225 corresponding to the target payment method.

[0048] In some embodiments, the target display mode corresponding to the target payment method can be determined based on a set of rights and interests corresponding to a set of candidate payment methods provided in the payment page. It should be understood that the target display mode can be determined by the electronic device 110 and / or the server 130. The rights and interests can include any appropriate type of payment rights and interests, including but not limited to discounts on payment amounts and reductions in virtual resources required to be paid. Examples of rights and interests can include discount information, coupon information, or virtual points information.

[0049] In some embodiments, in response to a group of benefits corresponding to the group of candidate payment methods corresponding to different benefit types, the target display mode may be a first display mode, wherein the first display mode indicates presenting benefit description information at a selection control corresponding to the target payment method.

[0050] Specifically, Figure 3As shown, at block 305, the electronic device 110 and / or the server 130 may determine whether the benefit types corresponding to the set of candidate payment methods are the same. If they are different, the process may proceed to block 310, that is, the electronic device 110 may display the corresponding benefit description information in association with the target payment method.

[0051] In some embodiments, the benefit type may indicate whether the benefit corresponds to a determined benefit content. For example, the first benefit type may indicate that the benefit corresponds to a fixed benefit content, such as a fixed preferential amount. The second benefit type may indicate that the benefit corresponds to a random benefit content, such as a preferential amount randomly determined within a certain range.

[0052] As an example, Figure 2B As shown, if the first to fourth payment methods are associated with different types of benefits, the electronic device 110 can display benefit description information 230 corresponding to each payment method at the selection control 225 to indicate the corresponding benefits.

[0053] Alternatively, the electronic device 110 may also only display the benefit description information 230 corresponding to the selected specific payment method (eg, the first payment method) at the selection control 225 corresponding to the selected payment method.

[0054] As an example, the benefit description information may indicate the benefit content corresponding to each payment method, such as "random discount, up to XX yuan" or "instant discount of XX yuan".

[0055] In some embodiments, in response to a group of benefits corresponding to the group of candidate payment methods corresponding to the same benefit type, it can be determined to display the benefit description information in a preset area of ​​the target window, and the preset area also presents the payment amount corresponding to the target payment method.

[0056] like Figure 2A As shown, the electronic device 110 may display the benefit description information 220 corresponding to the selected second payment method in the preset area 210 of the payment page 205. In some embodiments, the preset area 210 may also display the payment amount 215 corresponding to the selected second payment method.

[0057] In some embodiments, the benefit description information 220 displayed in the preset area 210 may include one or more label items. In some embodiments, if a group of candidate payment methods provided in the payment page 205 all correspond to the first benefit type described above, the electronic device 110 may display the benefit description information 220 according to the second display mode. The second display mode indicates that the target benefit corresponding to the selected payment method is displayed with at least one label item.

[0058] In some embodiments, the number of the at least one tag item included in the benefit description information 220 is determined based on a comparison between the target benefit corresponding to the selected payment method and a group of benefits corresponding to the group of candidate payment methods.

[0059] Specifically, Figure 3 As shown, the electronic device 110 and / or the server 130 may determine whether the group of payment methods corresponds to the same first benefit type or the second benefit type. If it corresponds to the first benefit type, then in block 320, the electronic device 110 and / or the server 130 may determine the base benefit based on the group of benefits.

[0060] In some embodiments, the basic benefit indicates the common benefit content (also called platform benefit) provided by a group of candidate payment methods. Taking the example that the group of candidate payment methods all provide a certain preferential amount, the basic benefit can be the minimum preferential amount provided in the group of candidate payment methods. For example, if the preferential amount of the first payment method is X1, the preferential amount of the second payment method is X2, the preferential amount of the third payment method is X3, and the preferential amount of the fourth payment method is X4, then the basic benefit can be the minimum value from X1 to X4.

[0061] Further, in box 320, the electronic device 110 and / or the server 130 may further determine an additional benefit (also referred to as a channel benefit) corresponding to the selected target payment method. In some embodiments, the additional benefit may indicate the difference between the target benefit corresponding to the selected payment method and the determined basic benefit.

[0062] For example, if the minimum value among the first to fourth payment methods is X2, the additional benefit corresponding to the second payment method is zero, the additional benefit corresponding to the first payment method is "X1-X2", the additional benefit corresponding to the third payment method is "X3-X2", and the additional benefit corresponding to the fourth payment method is "X4-X2".

[0063] like Figure 2A As shown, the currently selected payment method is the second payment method, which does not include additional benefits (i.e., the additional benefits are zero). Accordingly, the electronic device 110 can use a single label item (also referred to as a first label item) to display the benefit description information. As an example, the first label item can indicate the basic benefits corresponding to the group of candidate payment methods.

[0064] In some embodiments, the first tag item may include two parts, wherein the first part may include, for example, a preset first benefit identifier, such as “platform benefit”, and the second part may include, for example, content for describing the basic benefit (also referred to as first content), such as “benefit 1”.

[0065] In some embodiments, Figure 2C As shown, the user can set the first payment method to the selected state by selecting the control 225-1. Accordingly, the electronic device 110 can update the content displayed in the preset area 210 to display the payment amount 215 and the corresponding benefit description information 230 corresponding to the first payment method.

[0066] Continuing with the above example, the first payment method may correspond to the basic benefit (ie, X2) and the additional benefit (ie, X2-X1). Accordingly, the electronic device 110 may display the corresponding benefit description information 230 using multiple label items.

[0067] Specifically, the electronic device 110 may use the first label item described above to represent the basic benefit. Further, the electronic device 110 may also use the second label item to represent the additional benefit corresponding to the first payment method.

[0068] In some embodiments, the second label item may include two parts, wherein the first part may display a second benefit identifier corresponding to the target payment method. As an example, the second benefit identifier may include the name of the target payment method. Additionally, the second part may include content (also referred to as second content) for describing the additional benefit, for example, "Offer 2". As an example, "Offer 2" may represent the additional benefit of the first payment method as "X1-X2".

[0069] Thus, when multiple candidate payment methods all correspond to the first benefit type, the electronic device 110 can use one or more label items to display the corresponding target benefits, where different label items can correspond to different types of benefits, such as basic benefits or additional benefits. Accordingly, such a display mode can be called a second display mode.

[0070] In some scenarios, the rights and interests may correspond to the number of virtual resources that the user can obtain after payment. As an example, paying through different payment methods can enable the user to obtain different numbers of virtual resources. Among multiple payment methods, the rights and interests corresponding to the payment method that obtains the least number of virtual resources are the basic rights and interests. Alternatively, the difference in virtual resources that can be obtained between different rights and interests corresponds to additional rights and interests. For example, 50 virtual resources can be obtained by paying through the first payment method, and 70 virtual resources can be obtained by paying through the second payment method. The difference in virtual resources that can be obtained by the first payment method and the second payment method is 20 virtual resources, and the 20 virtual resources correspond to the additional rights and interests.

[0071] Continue to refer Figure 3If it is determined in box 315 that the group of payment methods all correspond to the second benefit type (i.e., random benefit content), the electronic device 110 or the server 130 can determine the benefit description information to be displayed based on a group of benefits corresponding to the group of payment methods in box 330.

[0072] In some embodiments, when the group of payment methods all correspond to the second benefit type, the benefit description information corresponding to the group of payment methods may have the same content, and the content may describe the preset benefits in the group of benefits. Accordingly, such a display mode may be called a third display mode.

[0073] Taking the benefits of random amounts corresponding to the first to fourth payment methods as an example, the common benefit description information may indicate the maximum value of the random amount. For example, the maximum amount of the random benefit corresponding to the first payment method is Y1, the maximum amount of the random benefit corresponding to the second payment method is Y2, the maximum amount of the random benefit corresponding to the third payment method is Y3, and the maximum amount of the random benefit corresponding to the fourth payment method is Y4. If Y2 is the maximum value of Y1 to Y4, the common benefit description information corresponding to the group of payment methods may include a single label item for indicating that the maximum value of the random amount is Y2.

[0074] Accordingly, if Figure 3 As shown, at 335, the electronic device may display the determined benefit description information.

[0075] Different examples of determining benefit description information in different situations are described above. Based on the process described above, the embodiments of the present disclosure can dynamically determine the display mode of benefit description information corresponding to different payment methods, for example, the display position. As a result, the embodiments of the present disclosure can more clearly display benefit description information to help users more intuitively and accurately understand the benefits corresponding to different payment methods.

[0076] In some embodiments, Figure 2D As shown, the electronic device 110 may present a prompt window 240 in the interface 200D in response to receiving a request to exit the payment page. The prompt window 240 is used to display prompt content, which may be, for example, the difference between the benefits corresponding to different payment methods.

[0077] As an example, the prompt content in the prompt window 240 may include: the rights and interests corresponding to the current payment method and the rights and interests of the payment method with the greatest discount among multiple payment methods. For example, the rights and interests of the first payment method are "80% off", and the rights and interests of the second payment method are "50% off". In response to receiving a request to exit the payment page, the electronic device 110 may display "80% off" and "50% off" in the prompt window to reflect the difference between the rights and interests of different payment methods. In this way, the difference in the rights and interests of different payment methods can be reflected to display the payment method with the greatest discount, thereby increasing the order success rate.

[0078] In some scenarios, the prompt window 240 may also include prompt information for indicating a payment method associated with the benefit. The electronic device 110 may stop displaying the prompt window 240 in response to selecting the Continue Payment control. Further, the electronic device 110 may set the payment method associated with the benefit to a selected state, and the electronic device 110 may also present benefit description information in the area 210.

[0079] As an example, when the electronic device 110 stops displaying the prompt window, the electronic device 110 may present the benefit description information corresponding to the benefit in a preset position. Further, the electronic device 110 may also set the payment method associated with the benefit, that is, the first payment method, to be selected.

[0080] In some embodiments, the electronic device 110 may display the selected target payment method on the ceiling. Specifically, the electronic device 110 may display target content at a preset position on the payment page in response to at least a portion of the selection control being moved outside the display area of ​​the target window, and the target content is used to indicate the selected target payment method.

[0081] As an example, Figure 2E As shown, the electronic device 110 may display target content 250 indicating the selected target payment method on the top of the payment page in response to a portion of the target payment method selection control being outside the display area of ​​the target window, or the target payment method selection control being outside the display area of ​​the target window as a whole.

[0082] In some scenarios, when part or all of the target payment method selection control is outside the display area of ​​the target window, the electronic device 110 may present the target payment method in the display area of ​​the target window in response to the user 140's selection of the target content 250. For example, when the user 140 clicks on the target content 250, the electronic device 110 may switch the content of the current display area to the target payment method selection control.

[0083] In some embodiments, when the content in the display area of ​​the target window changes due to the user's interactive operation, the target content 250 can remain displayed in the target window. Specifically, the electronic device 110 can adjust the display area of ​​the target window in response to the received interactive operation. Further, the electronic device 110 keeps displaying the target content at a preset position outside the adjusted display area in response to the selection control.

[0084] As an example, Figure 2E As shown, when the content in the display area of ​​the target window changes, but the selection control of the target payment method is still outside the display area, the electronic device 110 can keep the target content 250 presented in the target window.

[0085] In some embodiments, when the selection control corresponding to the target payment method is re-presented in the display area in the target window, the target content 250 will stop being presented. Specifically, the electronic device 110 may stop displaying the target content at a preset position in response to the selection control being in the adjusted display area. As an example, when the selection control associated with the target payment method is re-presented in the display area in the target window, the electronic device 110 may no longer display the target content 250.

[0086] In some embodiments, after the user 140 determines the payment method, the order can be submitted by clicking the payment control. The electronic device 110 can obtain the payment request in response to the user's selection of the payment control. Further, the electronic device 110 can adjust the display area of ​​the payment page in the target window to display the selected target payment method in the target window.

[0087] As an example, Figure 2F As shown, after receiving the payment request, the electronic device 110 may present the information input interface 260 in the interface 200F. Further, the electronic device 110 may adjust the target window to display the selection control 225-2 related to the second payment method (ie, the target payment method).

[0088] In this way, the target payment method is always presented throughout the entire payment process, so that users can know the selected payment method more intuitively, thereby allowing users to easily adjust the selected payment method.

[0089] Example Process

[0090] Figure 4 4 is a flowchart showing an example process 400 of electronic payment according to some embodiments of the present disclosure. The process 400 may be implemented at the electronic device 110. Figure 1 4. The process 400 is described below.

[0091] like Figure 4 As shown, in box 410, the electronic device 110 presents a payment page in a target window, and the payment page provides a set of candidate payment methods.

[0092] In box 420, in response to a target payment method in a group of candidate payment methods being in a selected state, the electronic device 110 presents benefit description information corresponding to the target payment method according to a target display mode corresponding to the target payment method, where the benefit description information is used to indicate the target benefit corresponding to the target payment method, and the target display mode at least indicates the display position of the benefit description information.

[0093] In some embodiments, the target presentation mode is determined based on a set of benefits corresponding to a set of candidate payment methods.

[0094] In some embodiments, the target presentation mode is determined based on the following process: in response to a group of benefits corresponding to different benefit types, a first presentation mode is determined as the target presentation mode, the first presentation mode indicating that benefit description information is presented at a selection control corresponding to a target payment method.

[0095] In some embodiments, the target display mode is determined based on the following process: in response to a group of benefits corresponding to the same benefit type, it is determined to display benefit description information in a preset area of ​​the target window, and the preset area also presents a payment amount corresponding to the target payment method.

[0096] In some embodiments, the target presentation mode is determined based on the following process: in response to a group of entitlements corresponding to a first entitlement type, a second presentation mode is determined as the target presentation mode, the first entitlement type corresponds to the determined entitlement content, and the second presentation mode indicates that the target entitlement is presented with at least one tag item.

[0097] In some embodiments, the number of at least one tag item is determined based on a comparison of the target equity and a set of equity.

[0098] In some embodiments, the target presentation mode is determined based on the following process: in response to a group of equity corresponding to a second equity type, a third presentation mode is determined as the target presentation mode, the second equity type corresponds to random equity content, and the third presentation mode indicates that the target equity is presented with a single tag item.

[0099] In some embodiments, the benefit description information corresponding to a group of candidate payment methods has the same content, and the content describes a preset benefit in a group of benefits.

[0100] In some embodiments, the benefit description information includes at least one tag item, and the target display mode further indicates at least one of the following: the number of the at least one tag item; and the type of the at least one tag item.

[0101] In some embodiments, the at least one tag item includes: a first tag item indicating basic benefits corresponding to a group of candidate payment methods; and a second tag item indicating additional benefits corresponding to a target payment method.

[0102] In some embodiments, the basic benefit indicates common benefit content provided by a group of candidate payment methods, and the additional benefit indicates the difference between the target benefit and the basic benefit.

[0103] In some embodiments, the first tag item includes: a preset first benefit identifier; and a first content for describing the basic benefit.

[0104] In some embodiments, the second tag item includes: a second benefit identifier corresponding to the target payment method, and second content for describing the additional benefit.

[0105] In some embodiments, the payment page includes a selection control corresponding to the target payment method, and process 400 also includes: in response to at least a portion of the selection control being moved outside the display area of ​​the target window, displaying target content at a preset position on the payment page, the target content being used to indicate the selected target payment method.

[0106] In some embodiments, process 400 further includes: in response to a received interactive operation, adjusting a display area of ​​the target window; and in response to a selection control being outside the adjusted display area, maintaining display of the target content at a preset position.

[0107] In some embodiments, process 400 further includes: in response to the selection control being within the adjusted presentation area, stopping displaying the target content at a preset position.

[0108] In some embodiments, process 400 further includes: in response to receiving the payment request, adjusting a display area of ​​the payment page in the target window to display the selected target payment method in the target window.

[0109] In some embodiments, process 400 also includes: in response to receiving a request to exit the payment page, presenting a prompt window, the prompt window presenting prompt content associated with an additional payment method in a set of candidate payment methods, the prompt content at least indicating the difference between the equity corresponding to the additional payment method and the target equity.

[0110] In some embodiments, process 400 further includes: in response to receiving a preset operation for the prompt content, setting the additional payment method in the payment page to a selected state.

[0111] Example devices and equipment

[0112] The embodiments of the present disclosure also provide corresponding devices for implementing the above methods or processes. Figure 5 A schematic structural block diagram of an apparatus 500 for electronic payment according to some embodiments of the present disclosure is shown. The apparatus 500 may be implemented as or included in the electronic device 110. Each module / component in the apparatus 500 may be implemented by hardware, software, firmware or any combination thereof.

[0113] like Figure 5 As shown, the device 500 includes a first presentation module 510, which is configured to present a payment page in a target window, and the payment page provides a group of candidate payment methods; and a second presentation module 520, which is configured as a second presentation module, which is configured to respond to a target payment method in a group of candidate payment methods being in a selected state, and present the rights description information corresponding to the target payment method according to the target display mode corresponding to the target payment method, the rights description information is used to indicate the target rights corresponding to the target payment method, and the target display mode at least indicates the display position of the rights description information.

[0114] In some embodiments, the target presentation mode is determined based on a set of benefits corresponding to a set of candidate payment methods.

[0115] In some embodiments, the target presentation mode is determined based on the following process: in response to a group of benefits corresponding to different benefit types, a first presentation mode is determined as the target presentation mode, the first presentation mode indicating that benefit description information is presented at a selection control corresponding to a target payment method.

[0116] In some embodiments, the target display mode is determined based on the following process: in response to a group of benefits corresponding to the same benefit type, it is determined to display benefit description information in a preset area of ​​the target window, and the preset area also presents a payment amount corresponding to the target payment method.

[0117] In some embodiments, the target presentation mode is determined based on the following process: in response to a group of entitlements corresponding to a first entitlement type, a second presentation mode is determined as the target presentation mode, the first entitlement type corresponds to the determined entitlement content, and the second presentation mode indicates that the target entitlement is presented with at least one tag item.

[0118] In some embodiments, the number of at least one tag item is determined based on a comparison of the target equity and a set of equity.

[0119] In some embodiments, the target presentation mode is determined based on the following process: in response to a group of equity corresponding to a second equity type, a third presentation mode is determined as the target presentation mode, the second equity type corresponds to random equity content, and the third presentation mode indicates that the target equity is presented with a single tag item.

[0120] In some embodiments, the benefit description information corresponding to a group of candidate payment methods has the same content, and the content describes a preset benefit in a group of benefits.

[0121] In some embodiments, the benefit description information includes at least one tag item, and the target display mode further indicates at least one of the following: the number of the at least one tag item; and the type of the at least one tag item.

[0122] In some embodiments, the at least one tag item includes: a first tag item indicating basic benefits corresponding to a group of candidate payment methods; and a second tag item indicating additional benefits corresponding to a target payment method.

[0123] In some embodiments, the basic benefit indicates common benefit content provided by a group of candidate payment methods, and the additional benefit indicates the difference between the target benefit and the basic benefit.

[0124] In some embodiments, the first tag item includes: a preset first benefit identifier; and a first content for describing the basic benefit.

[0125] In some embodiments, the second tag item includes: a second benefit identifier corresponding to the target payment method, and second content for describing the additional benefit.

[0126] In some embodiments, the payment page includes a selection control corresponding to the target payment method, and the device 500 also includes a target content display module, which is configured to display target content at a preset position on the payment page in response to at least a portion of the selection control being moved outside the display area of ​​the target window, and the target content is used to indicate the selected target payment method.

[0127] In some embodiments, the target content display module is further configured to adjust the display area of ​​the target window in response to the received interactive operation; and to keep displaying the target content at a preset position in response to the selection control being outside the adjusted display area.

[0128] In some embodiments, the target content display module is further configured to stop displaying the target content at a preset position in response to the selection control being within the adjusted display area.

[0129] In some embodiments, the device 500 also includes an adjustment module configured to adjust the display area of ​​the payment page in the target window in response to receiving a payment request so as to display the selected target payment method in the target window.

[0130] In some embodiments, the device 500 also includes a prompt window presentation module, which is configured to present a prompt window in response to receiving a request to exit the payment page, wherein the prompt window presents prompt content associated with an additional payment method in a group of candidate payment methods, and the prompt content at least indicates the difference between the equity corresponding to the additional payment method and the target equity.

[0131] In some embodiments, the device 500 also includes a setting module configured to set the additional payment method in the payment page to a selected state in response to receiving a preset operation for the prompt content.

[0132] The units included in the device 500 can be implemented in various ways, including software, hardware, firmware, or any combination thereof. In some embodiments, one or more units can be implemented using software and / or firmware, such as machine executable instructions stored on a storage medium. In addition to or as an alternative to machine executable instructions, some or all of the units in the device 500 can be implemented at least in part by one or more hardware logic components. As an example and not limitation, exemplary types of hardware logic components that can be used include field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), complex programmable logic devices (CPLDs), and the like.

[0133] Figure 6 1 shows a block diagram of an electronic device 600 in which one or more embodiments of the present disclosure may be implemented. It should be understood that Figure 6 The electronic device 600 shown is merely exemplary and should not constitute any limitation on the functionality and scope of the embodiments described herein. Figure 6 The electronic device 600 shown can be used to implement Figure 1 An electronic device 110.

[0134] like Figure 6 As shown, the electronic device 600 is in the form of a general electronic device. The components of the electronic device 600 may include, but are not limited to, one or more processors or processing units 610, a memory 620, a storage device 630, one or more communication units 640, one or more input devices 650, and one or more output devices 660. The processing unit 610 may be an actual or virtual processor and is capable of performing various processes according to a program stored in the memory 620. In a multi-processor system, multiple processing units execute computer executable instructions in parallel to improve the parallel processing capability of the electronic device 600.

[0135] The electronic device 600 typically includes a plurality of computer storage media. Such media may be any accessible media that is accessible to the electronic device 600, including but not limited to volatile and non-volatile media, removable and non-removable media. The memory 620 may be a volatile memory (e.g., registers, caches, random access memory (RAM)), a non-volatile memory (e.g., a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), flash memory), or some combination thereof. The storage device 630 may be a removable or non-removable medium, and may include a machine-readable medium, such as a flash drive, a disk, or any other medium, which may be capable of being used to store information and / or data and may be accessed within the electronic device 600.

[0136] The electronic device 600 may further include additional removable / non-removable, volatile / non-volatile storage media. Figure 6 As shown in , a disk drive for reading or writing from a removable, non-volatile disk (e.g., a "floppy disk") and an optical drive for reading or writing from a removable, non-volatile optical disk may be provided. In these cases, each drive may be connected to the bus (not shown) by one or more data media interfaces. The memory 620 may include a computer program product 625 having one or more program modules that are configured to perform various methods or actions of various embodiments of the present disclosure.

[0137] The communication unit 640 implements communication with other electronic devices through a communication medium. Additionally, the functions of the components of the electronic device 600 can be implemented with a single computing cluster or multiple computing machines that can communicate through a communication connection. Therefore, the electronic device 600 can operate in a networked environment using a logical connection with one or more other servers, a network personal computer (PC), or another network node.

[0138] The input device 650 may be one or more input devices, such as a mouse, a keyboard, a tracking ball, etc. The output device 660 may be one or more output devices, such as a display, a speaker, a printer, etc. The electronic device 600 may also communicate with one or more external devices (not shown) through the communication unit 640 as needed, such as a storage device, a display device, etc., communicate with one or more devices that allow a user to interact with the electronic device 600, or communicate with any device that allows the electronic device 600 to communicate with one or more other electronic devices (e.g., a network card, a modem, etc.). Such communication may be performed via an input / output (I / O) interface (not shown).

[0139] According to an exemplary implementation of the present disclosure, a computer-readable storage medium is provided, on which computer-executable instructions are stored, wherein the computer-executable instructions are executed by a processor to implement the method described above. According to an exemplary implementation of the present disclosure, a computer program product is also provided, which is tangibly stored on a non-transitory computer-readable medium and includes computer-executable instructions, and the computer-executable instructions are executed by a processor to implement the method described above.

[0140] Various aspects of the present disclosure are described herein with reference to the flowcharts and / or block diagrams of the methods, devices, equipment, and computer program products implemented according to the present disclosure. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer-readable program instructions.

[0141] These computer-readable program instructions can be provided to a processing unit of a general-purpose computer, a special-purpose computer, or other programmable data processing device, thereby producing a machine, so that when these instructions are executed by the processing unit of the computer or other programmable data processing device, a device that implements the functions / actions specified in one or more boxes in the flowchart and / or block diagram is generated. These computer-readable program instructions can also be stored in a computer-readable storage medium, and these instructions cause the computer, programmable data processing device, and / or other equipment to work in a specific manner, so that the computer-readable medium storing the instructions includes a manufactured product, which includes instructions for implementing various aspects of the functions / actions specified in one or more boxes in the flowchart and / or block diagram.

[0142] Computer-readable program instructions can be loaded onto a computer, other programmable data processing apparatus, or other device so that a series of operational steps are performed on the computer, other programmable data processing apparatus, or other device to produce a computer-implemented process, so that the instructions executed on the computer, other programmable data processing apparatus, or other device implement the functions / actions specified in one or more boxes in the flowchart and / or block diagram.

[0143] The flow chart and block diagram in the accompanying drawings show the possible architecture, function and operation of the system, method and computer program product according to multiple implementations of the present disclosure. In this regard, each square box in the flow chart or block diagram can represent a part of a module, program segment or instruction, and a part of a module, program segment or instruction includes one or more executable instructions for realizing the logical function of the specification. In some implementations as replacements, the function marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two continuous square boxes can actually be executed substantially in parallel, and they can sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be realized by a special hardware-based system that performs the function or action of the specification, or can be realized by a combination of special hardware and computer instructions.

[0144] The above descriptions of various implementations of the present disclosure are exemplary, non-exhaustive, and not limited to the disclosed implementations. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the described implementations. The selection of terms used herein is intended to best explain the principles of the implementations, practical applications, or improvements to the technology in the market, or to enable other persons of ordinary skill in the art to understand the various implementations disclosed herein.

Claims

1. A method for electronic payment, comprising: presenting a payment page in a target window, the payment page providing a set of candidate payment methods; as well as In response to a target payment method in the group of candidate payment methods being in a selected state, rights description information corresponding to the target payment method is presented according to a target display mode corresponding to the target payment method, wherein the rights description information is used to indicate a target right corresponding to the target payment method, and the target display mode at least indicates a display position of the rights description information. 2 . The method according to claim 1 , wherein the target display mode is determined based on a set of benefits corresponding to the set of candidate payment methods.

3. The method of claim 2, wherein the target presentation mode is determined based on the following process: In response to the group of benefits corresponding to different benefit types, a first presentation mode is determined as the target presentation mode, the first presentation mode indicating that the benefit description information is presented at a selection control corresponding to the target payment method.

4. The method of claim 2, wherein the target presentation mode is determined based on the following process: In response to the group of benefits corresponding to the same benefit type, it is determined to display the benefit description information in a preset area of ​​the target window, and the preset area also presents a payment amount corresponding to the target payment method.

5. The method of claim 4, wherein the target presentation mode is determined based on the following process: In response to the group of benefits corresponding to a first benefit type, a second presentation mode is determined as the target presentation mode, the first benefit type corresponds to the determined benefit content, and the second presentation mode indicates that the target benefit is presented with at least one tag item. The method of claim 5 , wherein the number of the at least one tag item is determined based on a comparison of the target equity and the set of equity.

7. The method of claim 4, wherein the target presentation mode is determined based on the following process: In response to the group of benefits corresponding to a second benefit type, a third presentation mode is determined as the target presentation mode, the second benefit type corresponds to random benefit content, and the third presentation mode indicates presenting the target benefit with a single tag item.

8. The method according to claim 7, wherein the rights description information corresponding to the set of candidate payment methods has the same content, and the content describes the preset rights in the set of rights.

9. The method according to claim 1, wherein the benefit description information includes at least one tag item, and the target display mode further indicates at least one of the following: the number of the at least one tag item; The type of the at least one tag item.

10. The method according to claim 9, wherein the at least one tag item comprises: A first tag item, wherein the first tag item indicates basic rights and interests corresponding to the set of candidate payment methods; as well as A second label item, wherein the second label item indicates additional benefits corresponding to the target payment method. 11 . The method according to claim 10 , wherein the basic benefit indicates common benefit content provided by the group of candidate payment methods, and the additional benefit indicates the difference between the target benefit and the basic benefit.

12. The method according to claim 10, wherein the first tag item comprises: The preset first interest identifier; as well as The first content is used to describe the basic rights and interests.

13. The method according to claim 10, wherein the second tag item comprises: a second benefit identifier corresponding to the target payment method, and The second content is used to describe the additional benefits.

14. The method according to claim 1, wherein the payment page includes a selection control corresponding to the target payment method, and the method further comprises: In response to at least a portion of the selection control being moved outside the display area of ​​the target window, target content is displayed at a preset position on the payment page, and the target content is used to indicate the selected target payment method.

15. The method according to claim 14, further comprising: In response to the received interactive operation, adjusting the display area of ​​the target window; as well as In response to the selection control being outside the adjusted display area, the target content is kept displayed at the preset position.

16. The method according to claim 15, further comprising: In response to the selection control being within the adjusted display area, stopping displaying the target content at the preset position.

17. The method according to claim 1, further comprising: In response to receiving the payment request, adjusting the display area of ​​the payment page in the target window to display the selected target payment method in the target window.

18. The method of claim 1, further comprising: In response to receiving a request to exit the payment page, a prompt window is presented, wherein the prompt window presents prompt content associated with an additional payment method in the set of candidate payment methods, and the prompt content at least indicates the difference between the equity corresponding to the additional payment method and the target equity.

19. The method according to claim 18, further comprising: In response to receiving a preset operation for the prompt content, the additional payment method in the payment page is set to a selected state.

20. An apparatus for electronic payment, comprising: A first presentation module is configured to present a payment page in a target window, wherein the payment page provides a set of candidate payment methods; as well as The second presentation module is configured to present, in response to a target payment method in the group of candidate payment methods being in a selected state, rights description information corresponding to the target payment method according to a target display mode corresponding to the target payment method, wherein the rights description information is used to indicate a target right corresponding to the target payment method, and the target display mode at least indicates a display position of the rights description information.

21. An electronic device comprising: at least one processing unit; as well as At least one memory, the at least one memory being coupled to the at least one processing unit and storing instructions for execution by the at least one processing unit, the instructions causing the electronic device to perform the method according to any one of claims 1 to 19 when executed by the at least one processing unit.

22. A computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the method according to any one of claims 1 to 19.

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