Merchant payment equipment positioning method and device, equipment, medium and program product

Abstract

The invention discloses a merchant payment equipment positioning method and device, equipment, a medium and a program product, and belongs to the technical field of positioning. The method comprises the following steps: acquiring payment behavior information of at least one user account, wherein the payment behavior information is information of a merchant payment device responding to a payment behavior of the at least one user account by adopting biological feature recognition; based on the payment behavior information of the at least one user account, peripheral equipment of the first merchant payment equipment is determined, and the peripheral equipment refers to equipment which is located around the first merchant payment equipment and has positioning capability; and determining the device position of the first merchant payment device based on the position information of the peripheral device. According to the scheme, under the condition that the merchant payment equipment is not provided with a GPS positioning chip, the merchant payment equipment can be positioned, and the equipment position of the merchant payment equipment is determined.

Description

Technical Field

[0001] The present application relates to the field of positioning technology, and in particular to a positioning method, device, equipment, medium and program product for a merchant payment device. Background Art

[0002] With the development of biometric recognition technology and mobile payment technology, payment methods based on biometric recognition of face, fingerprint, and palm print have emerged. Merchant payment devices are devices used to support payment behaviors based on biometric recognition and implement payment functions. Usually, it is necessary to know the device location of merchant payment devices in order to analyze possible problems with merchants, products, devices, etc., or to handle some user feedback.

[0003] In the related art, the merchant payment device is equipped with a Global Positioning System (GPS) chip, and the merchant payment device can be positioned by the GPS positioning chip to determine the device location of the merchant payment device.

[0004] However, due to the large number and variety of merchant payment devices, not every merchant payment device is equipped with a GPS positioning chip. For merchant payment devices that are not equipped with a GPS positioning chip, it is difficult to determine the device location of the merchant payment device. Summary of the invention

[0005] The present application provides a method, apparatus, device, medium and program product for locating a merchant payment device. The technical solution is as follows:

[0006] According to one aspect of the present application, a method for locating a merchant payment device is provided, the method comprising:

[0007] Acquire payment behavior information of at least one user account, wherein the payment behavior information is information of the payment device of the merchant in response to the payment behavior of the at least one user account using biometric recognition;

[0008] Based on the payment behavior information of the at least one user account, determining a peripheral device of the first merchant payment device, wherein the peripheral device refers to a device located around the first merchant payment device and having a positioning capability;

[0009] Based on the location information of the peripheral device, the device location of the first merchant payment device is determined.

[0010] In some embodiments, the first merchant payment device has at least two peripheral devices; and determining the device location of the first merchant payment device based on the location information of the peripheral devices includes:

[0011] Determining a thermal distribution map corresponding to the at least two surrounding devices based on the position information of the at least two surrounding devices;

[0012] The device position of the first merchant payment device is determined according to the thermal distribution maps corresponding to the at least two surrounding devices.

[0013] In some embodiments, determining the device location of the first merchant payment device according to the thermal distribution maps corresponding to the at least two surrounding devices includes:

[0014] Determining the position ranges corresponding to the at least two peripheral devices respectively according to the thermal distribution diagrams corresponding to the at least two peripheral devices;

[0015] Based on the pixel value of each position point within the position range in the heat distribution map, the confidence level corresponding to each position point is determined; the pixel value is used to characterize the heat of each position point, and the confidence level is used to characterize the rationality of each position point as the device position of the first merchant payment device;

[0016] Based on the confidence levels respectively corresponding to the location points, a device location of the first merchant payment device is determined.

[0017] In some embodiments, determining the peripheral device of the first merchant payment device based on the payment behavior information of the at least one user account includes:

[0018] Based on the payment behavior information of the at least one user account, determining a first user account that completes the payment behavior through the first merchant payment device, and sending a push message to a terminal held by the first user account;

[0019] In the case where the first user account views or responds to the push message through the terminal, determining the terminal held by the first user account as a peripheral device of the first merchant payment device;

[0020] The method further comprises:

[0021] The real-time location of the terminal when the first user account views or responds to the push message through the terminal is obtained; and the real-time location of the terminal is determined as the location information of the terminal.

[0022] In some embodiments, when the first user account views or responds to the push message through the terminal, determining the terminal held by the first user account as a peripheral device of the first merchant payment device includes:

[0023] Determine a receiving time point of the push message received by the terminal of the first user account, and a processing time point of the push message viewed or responded to by the first user account through the terminal;

[0024] determining a processing interval between the receiving time point and the processing time point;

[0025] When the processing interval is less than or equal to a processing interval threshold, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device.

[0026] In some embodiments, determining the peripheral device of the first merchant payment device based on the payment behavior information of the at least one user account includes:

[0027] Based on the payment behavior information of the at least one user account, determining a second user account that completes the payment behavior through the first merchant payment device and at least one other merchant payment device respectively;

[0028] Determining a second merchant payment device that meets the screening condition from the at least one other merchant payment device used by the second user account;

[0029] The second merchant payment device is determined as a peripheral device of the first merchant payment device.

[0030] In some embodiments, determining a second merchant payment device that meets a screening condition from the at least one other merchant payment device used by the second user account includes:

[0031] determining a first point in time at which the second user account used the first merchant payment device, and at least one second point in time at which the second user account used the at least one other merchant payment device;

[0032] Determine a payment interval between the first time point and the at least one second time point, and a payment interval between every two second time points;

[0033] Filtering out payment intervals that are less than or equal to a payment interval threshold from the payment intervals;

[0034] The other merchant payment devices corresponding to the screened payment interval are determined as second merchant payment devices that meet the screening condition.

[0035] According to another aspect of the present application, a positioning device for a merchant payment device is provided, the device comprising:

[0036] An acquisition module, configured to acquire payment behavior information of at least one user account, wherein the payment behavior information is information of the payment device of the merchant in response to the payment behavior of the at least one user account using biometric identification;

[0037] a determination module, configured to determine, based on the payment behavior information of the at least one user account, a peripheral device of the first merchant payment device, wherein the peripheral device refers to a device located around the first merchant payment device and having a positioning capability;

[0038] A positioning module is used to determine the device location of the first merchant payment device based on the location information of the surrounding device.

[0039] According to another aspect of the present application, a computer device is provided, the computer device comprising: a processor and a memory, the memory storing a computer program, the computer program being loaded and executed by the processor to implement the positioning method of the merchant payment device as described above.

[0040] According to another aspect of the present application, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, and the computer program is loaded and executed by a processor to implement the positioning method of a merchant payment device as described above.

[0041] According to another aspect of the present application, a computer program product is provided, the computer program product comprising computer instructions, the computer instructions being stored in a computer-readable storage medium, a processor acquiring the computer instructions from the computer-readable storage medium, so that the processor loads and executes the computer instructions to implement the method for locating a merchant payment device as described above.

[0042] The beneficial effects brought by the technical solution provided by the embodiment of the present application include at least:

[0043] The positioning method for a merchant payment device provided in an embodiment of the present application, when the merchant payment device is not equipped with a GPS positioning chip and does not have positioning capability, determines the surrounding devices with known locations around the above-mentioned merchant payment device by obtaining payment behavior information of at least one user account. Based on the location information of the surrounding devices, the device location of the above-mentioned merchant payment device can be determined, thereby realizing the positioning of the merchant payment device that is not equipped with a GPS positioning chip. BRIEF DESCRIPTION OF THE DRAWINGS

[0044] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0045] Figure 1 A structural block diagram of a computer system provided by an exemplary embodiment is shown;

[0046] Figure 2 A schematic diagram showing a method for locating a merchant payment device provided by an exemplary embodiment is shown;

[0047] Figure 3 A flowchart showing a method for locating a merchant payment device provided by an exemplary embodiment is shown;

[0048] Figure 4 A flowchart showing a method for locating a merchant payment device provided by an exemplary embodiment is shown;

[0049] Figure 5 A flowchart showing a method for locating a merchant payment device provided by an exemplary embodiment is shown;

[0050] Figure 6 A flowchart showing a method for locating a merchant payment device provided by an exemplary embodiment is shown;

[0051] Figure 7 An architectural diagram showing a method for locating a merchant payment device provided by an exemplary embodiment;

[0052] Figure 8 A flowchart showing a method for locating a merchant payment device provided by an exemplary embodiment is shown;

[0053] Fig. 9 A flowchart showing a method for locating a merchant payment device provided by an exemplary embodiment is shown;

[0054] Fig.10 A structural block diagram of a positioning device of a merchant payment device provided by an exemplary embodiment is shown;

[0055] Fig.11 A structural block diagram of a computer device provided by an exemplary embodiment is shown. DETAILED DESCRIPTION

[0056] In order to make the objectives, technical solutions and advantages of the present application clearer, the implementation methods of the present application will be further described in detail below in conjunction with the accompanying drawings.

[0057] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0058] The terms used in this application are for the purpose of describing specific embodiments only and are not intended to limit this application. The singular forms of "a", "said" and "the" used in this application and the appended claims are also intended to include plural forms unless the context clearly indicates other meanings. It should also be understood that the term "and / or" used herein refers to and includes any or all possible combinations of one or more associated listed items.

[0059] It should be noted that, before collecting relevant data of users (such as various location information, biometric information such as face, fingerprint, palm print, etc. for biometric identification, relevant information of user accounts, relevant information of terminals held by user accounts, relevant information of movement trajectories, relevant information of payment, etc.) and during the process of collecting relevant data of users, this application can display a prompt interface, pop-up window or output voice prompt information, and the prompt interface, pop-up window or voice prompt information is used to prompt the user that its relevant data is currently being collected, so that this application only starts to execute the relevant steps of obtaining relevant data of users after obtaining the confirmation operation issued by the user to the prompt interface or pop-up window, otherwise (that is, when the confirmation operation issued by the user to the prompt interface or pop-up window is not obtained), the relevant steps of obtaining relevant data of users are terminated, that is, the relevant data of users are not obtained. In other words, all user data collected by this application are collected with the consent and authorization of the user, and the collection, use and processing of relevant user data need to comply with the relevant laws, regulations and standards of relevant countries and regions.

[0060] First, the nouns involved in the embodiments of the present application are briefly introduced:

[0061] Biometric Identification Technology: refers to the technology of using the inherent physiological characteristics (face, fingerprint, palm print, iris, etc.) or behavioral characteristics (gait, typing habits, etc.) of the human body to perform personal identification through computers. The biometric identification in this embodiment mainly includes at least one of face recognition, fingerprint recognition, palm print recognition, and iris recognition.

[0062] Merchant payment device: refers to a payment device held by a merchant to support payment behavior and realize payment functions through biometric recognition. Merchant payment devices include, but are not limited to: handheld payment devices and smart payment devices that support various payment methods such as code scanning payment, face payment, fingerprint payment, and palm print payment. For example, a merchant payment device can be a palm scanning device.

[0063] Heat Map: Also known as user heat map, it is a diagram showing the page areas that the user account is keen on and the geographical areas where the merchant payment devices used by the user account are located in a highlighted form. The brighter the color corresponding to the location point in the heat map, the larger the pixel value corresponding to the location point, indicating that the heat value of the location point is higher and the access frequency is higher.

[0064] For example, taking palm swiping payment as an example, the heat distribution map is used to characterize the distance range between a palm swiping device at a known location and another palm swiping device at an unknown location when the user account continuously swipes its palm, aiming to infer the device location of the palm swiping device at an unknown location through continuous palm swiping behavior.

[0065] Physical positioning: refers to the method of determining the physical location of the merchant’s payment device through a GPS positioning chip or other positioning methods.

[0066] For example, Figure 1 The block diagram of the computer system provided by an exemplary embodiment of the present application is shown. The computer system 100 can be implemented as the system architecture of the method for locating a merchant payment device. The computer system 100 includes: a terminal 120, a merchant payment device 130, and a server 140.

[0067] The terminal 120 can be an electronic device held by the user account 110, such as a mobile phone, tablet computer, vehicle-mounted terminal (car computer), wearable device, PC (Personal Computer), unmanned reservation terminal, etc. The terminal 120 can be installed with a client that runs the target application. The target application can be an application that supports payment using biometric recognition, or other applications that provide payment functions, and this application does not limit this. In addition, this application does not limit the form of the target application, including but not limited to App (Application, application) installed in the terminal 120, mini-programs, etc., and can also be in the form of a web page. For example: Taking the example of user account 110 using the palm-swiping payment method, the terminal 120 held by the user account 110 has the palm-swiping mini-program installed and running.

[0068] Optionally, the terminal 120 is a device with positioning capability. The terminal 120 is equipped with a GPS positioning chip, through which the terminal position of the terminal 120 can be located in real time. When the client of the target application installed and running in the terminal 120 is started, the GPS positioning chip can be triggered to locate the terminal position of the terminal 120 in real time, and report the terminal position of the terminal 120 to the server 140.

[0069] The merchant payment device 130 can be a payment device held by the merchant, used to support payment behaviors based on biometric identification and realize payment functions. The merchant payment device 130 includes, but is not limited to: a handheld payment device and a smart payment device that supports various payment methods such as code scanning payment, face payment, fingerprint payment, and palm print payment. The merchant payment device 130 can be installed with a client that runs a target application. The target application can be an application that supports payment using biometric identification, or it can be other applications that provide payment functions. This application does not limit this. In addition, this application does not limit the form of the target application, including but not limited to App (Application, application) installed in the terminal 120, applets, etc., and can also be in the form of a web page. For example: Taking the user account 110 using palm swiping payment as an example, the merchant payment device 130 is installed and runs a palm swiping client.

[0070] Optionally, at least some of the merchant payment devices 130 are equipped with a GPS positioning chip, which can locate the device location of at least some of the merchant payment devices 130 in real time. These merchant payment devices 130 can report the device location to the server 140.

[0071] The server 140 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides cloud computing services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), and cloud servers for basic cloud computing services such as big data and artificial intelligence platforms. The server 140 may be a backend server for the above-mentioned terminal 120 and merchant payment device 130, and is used to provide backend services for the terminal 120 and merchant payment device 130.

[0072] Among them, cloud technology refers to a hosting technology that unifies hardware, software, network and other resources in a wide area network or local area network to realize data computing, storage, processing and sharing. Cloud technology is a general term for network technology, information technology, integration technology, management platform technology, application technology, etc. based on the cloud computing business model. It can form a resource pool, which is used on demand and is flexible and convenient. Cloud computing technology will become an important support. The background services of technical network systems require a large amount of computing and storage resources, such as video websites, picture websites and more portal websites. With the high development and application of the Internet industry, in the future, each item may have its own identification mark, and all need to be transmitted to the background system for logical processing. Data of different levels will be processed separately. All kinds of industry data require strong system backing support, which can only be achieved through cloud computing.

[0073] Optionally, the server 140 supports the implementation of a push function, a payment function, and a location management function. Among them, the push function is specifically used to push payment-related push messages to the user account, such as: bill information, payment result notifications, promotional activities, etc. The payment function is responsible for payment-related behaviors of the user account, such as: responding to payment behaviors, order management, deduction management, bill management, merchant settlement, etc. The location management function is mainly used to manage the location information of each merchant's payment device. The above three functions can be deployed on three servers 140 respectively, and can be specifically deployed in a push server, a payment server, and a location management server. The above three functions can also be integrated and deployed on one server 140. This embodiment does not limit this.

[0074] In some embodiments, the server 140 can also be implemented as a node in a blockchain system. Blockchain is a new application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, and encryption algorithm. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. Blockchain can include the blockchain underlying platform, platform product service layer, and application service layer.

[0075] The terminal 120 , the merchant payment device 130 and the server 140 may communicate with each other via a network, such as a wired or wireless network.

[0076] In the method for locating a merchant payment device provided in the embodiment of the present application, the execution subject of each step may be a computer device, which refers to an electronic device with data calculation, processing and storage capabilities. Figure 1Taking the implementation environment of the scheme shown as an example, the positioning method of the merchant payment device can be executed by the terminal 120 (such as the client of the target application installed and running in the terminal 120 executes the positioning method of the merchant payment device), or the positioning method of the merchant payment device can be executed by the merchant payment device 130, or the positioning method of the merchant payment device can be executed by the server 140, or the terminal 120, the merchant payment device 130 and the server 140 can interact and cooperate to execute, and this application does not limit this.

[0077] Those skilled in the art will appreciate that the number of the above-mentioned terminals 120 and merchant payment devices 130 may be more or less. For example, the above-mentioned terminals 120 and merchant payment devices 130 may be one, dozens, hundreds, or more. The embodiment of the present application does not limit the number and device type of the terminals 120 and merchant payment devices 130.

[0078] Figure 2 A schematic diagram of a method for positioning a merchant payment device provided by an exemplary embodiment of the present application is shown. Taking the case where a user account 110 holds a terminal 120, and a merchant payment device 130 includes a merchant payment device 132 and a merchant payment device 134, the terminal 120, the merchant payment device 132, the merchant payment device 134 and the server 140 are respectively connected in communication. Among them, the terminal 120 and the merchant payment device 132 are respectively configured with a GPS positioning chip, and the merchant payment device 134 is not configured with a GPS positioning chip. It is necessary to locate the merchant payment device 134 to determine the device location of the merchant payment device 134. The method for positioning the merchant payment device is executed by the server 140, and the steps of the method are briefly described as follows:

[0079] 1. Obtain payment behavior information of at least one user account, where the payment behavior information is information of the merchant payment device in response to the payment behavior of at least one user account using biometric recognition.

[0080] Optionally, the biometrics include at least one of face features, fingerprint features, palm print features, and iris features. Biometric identification includes at least one of face recognition, fingerprint recognition, palm print recognition, and iris recognition. The payment behavior of biometric identification includes at least one of face recognition payment, fingerprint recognition payment, palm print recognition payment, and iris recognition payment.

[0081] In this embodiment, the merchant payment device 132 and the merchant payment device 134 can respectively respond to the payment behavior information of multiple user accounts 110. The payment behavior information refers to the information of the payment behavior of at least one user account 110 using biometric identification, and can specifically include a unique biometric feature, payment method, billing information, etc. used to characterize the user account. The server 140 obtains the payment behavior information of at least one user account 110.

[0082] 2. Based on the payment behavior information of at least one user account, determine the peripheral devices of the first merchant payment device; the peripheral devices refer to devices that are located around the first merchant payment device and have positioning capabilities.

[0083] The first merchant payment device refers to a merchant payment device whose device location needs to be determined. In this embodiment, the first merchant payment device is the merchant payment device 134. The server 140 determines the peripheral devices of the first merchant payment device 134 based on the payment behavior information of at least one user account 110, and the peripheral devices refer to devices located around the first merchant payment device 134 and having positioning capabilities. The peripheral devices of the first merchant payment device 134 can be the terminal 120 and the merchant payment device 132.

[0084] 3. Based on the location information of the surrounding devices, determine the device location of the first merchant payment device.

[0085] Exemplarily, the server 140 determines a thermal distribution map corresponding to the surrounding devices based on the location information of the surrounding devices, and the device location of the first merchant payment device 134 can be determined based on the thermal distribution map.

[0086] For example: Please continue to see Figure 2 , device B serves as the first merchant payment device 134, and device A, device C, and device D are respectively peripheral devices of device B. The thermal distribution map corresponding to the peripheral devices can be determined based on the peripheral devices. Specifically, in the case where the peripheral devices only include device A, the thermal distribution map includes a position range, that is, the server 140 determines the position range 151 of device A based on the device position of device A, and device B can be located in the position range 151. Further, in the case where the peripheral devices also include device C, the thermal distribution map includes two position ranges, that is, the server 140 also determines the position range 152 of device C based on the device position of device C, and device B is located in the intersection range 162 between the position range 151 and the position range 152. Further, in the case where the peripheral devices also include device D, the thermal distribution map includes three position ranges, that is, the server 140 also determines the position range 153 of device D based on the device position of device D, and device B is located in the intersection range 164 between the position range 151, the position range 152, and the position range 153. By analogy, as more and more devices are arranged around device B, the device position of device B determined based on the thermal distribution map corresponding to the surrounding devices becomes more and more accurate.

[0087] To summarize, the positioning method for a merchant payment device provided in an embodiment of the present application, when the merchant payment device is not equipped with a GPS positioning chip and does not have positioning capability, determines the surrounding devices with known locations around the above-mentioned merchant payment device by obtaining payment behavior information of at least one user account. Based on the location information of the surrounding devices, the device location of the above-mentioned merchant payment device can be determined, thereby realizing the positioning of merchant payment devices that are not equipped with a GPS positioning chip.

[0088] Figure 3 A flowchart of a method for locating a merchant payment device provided by an exemplary embodiment of the present application is shown, and the method is applied to Figure 1 The server 140 is illustrated as an example, and the method includes:

[0089] Step 220, obtaining payment behavior information of at least one user account, where the payment behavior information is information of the merchant payment device in response to the payment behavior of at least one user account using biometric recognition.

[0090] A user account is a personal account used by a user to make payments. Each user has at least one user account. Each user's user account can uniquely represent the user.

[0091] Payment generally refers to payment, and payment behavior refers to the behavior of a user purchasing an item and paying for it. In this embodiment, the user account uses biometric identification to complete the payment behavior.

[0092] Optionally, the biometric recognition includes at least one of face recognition, fingerprint recognition, palmprint recognition, and iris recognition. Accordingly, the payment behavior using biometric recognition includes at least one of face payment, fingerprint payment, palmprint payment, and iris payment.

[0093] A merchant payment device is a payment device held by a merchant and used to support payment behaviors using biometric identification and realize payment functions. A merchant payment device can respond to payment behaviors using biometric identification of at least one user account. Optionally, a merchant payment device can respond to payment behaviors using one biometric identification or multiple biometric identifications.

[0094] For example, a merchant payment device in a supermarket and at least one user account including user account A and user account B are used as an example. The merchant payment device can respond to user account A using face recognition for face payment, and can also respond to user account B using palm print recognition for palm payment. Or, one merchant payment device can only respond to user account A and user account B using palm print recognition for palm payment, and another merchant payment device can only respond to user account A and user account B using face recognition for face payment.

[0095] In some embodiments, a client of a target application is installed and running in the merchant payment device, and the type of the target application corresponds to the specific method of biometric identification. Through the client of the target application, the merchant payment device can respond to the payment behavior of at least one user account using the above biometric identification method. It should be noted that the device position of at least some of the merchant payment devices in this embodiment is fixed.

[0096] For example, if a merchant payment device is installed and running with a palm-swiping client, the merchant payment device can respond to at least one user account and use palm-print recognition to perform palm-swiping payment.

[0097] The payment behavior information is the information of the payment behavior of the merchant payment device in response to at least one user account using biometric recognition.

[0098] Optionally, the payment behavior information includes the biometric identification method corresponding to the payment behavior, the device type, device identification and device location of the merchant payment device used to complete the payment behavior, the user account that completed the payment behavior, the billing information of the user account for the payment behavior, the payment result of the payment behavior, etc. The billing information includes the order time, payment time, item type, item price, purchase quantity, item label, etc. The payment result includes one of a successful payment and a failed payment.

[0099] It is understandable that, if the merchant payment device used in this payment behavior is not equipped with a GPS positioning chip, the payment behavior information only includes the device identification of the merchant payment device used to complete this payment behavior, but does not include the device location.

[0100] Specifically, the payment behavior information of at least one user account is obtained, and the payment behavior information is the information of the payment behavior of the merchant payment device in response to the at least one user account using biometric recognition. Through the payment behavior information, the specific merchant payment device, user account, etc. can be determined.

[0101] Step 240: Determine peripheral devices of the first merchant payment device based on the payment behavior information of at least one user account, where the peripheral devices refer to devices located around the first merchant payment device and having positioning capabilities.

[0102] The first merchant payment device is a merchant payment device whose device location needs to be determined.

[0103] Optionally, at least some of the merchant payment devices are equipped with a GPS positioning chip, and the device location of at least some of the merchant payment devices can be located in real time through the GPS positioning chip. For the merchant payment device that is not equipped with a GPS positioning chip, that is, the first merchant payment device, it is necessary to determine its corresponding device location.

[0104] Optionally, based on the payment behavior information of at least one user account, the device identification and device location of the merchant payment device corresponding to each payment behavior information and the user account used are determined. When only the device identification of one merchant payment device can be determined but the device location cannot be determined, the merchant payment device is determined as the first merchant payment device.

[0105] The peripheral device refers to a device located around the first merchant payment device and having a positioning capability.

[0106] Optionally, the peripheral device is provided with a GPS positioning chip, and the device position of the peripheral device can be located in real time through the GPS positioning chip, that is, the device position of the peripheral device is a fixed position.

[0107] In this embodiment, the same user account uses both the peripheral device and the first merchant payment device, that is, the user account using the peripheral device and the user account using the first merchant payment device are the same user account. It can also be said that the user account "roams" on the peripheral device and the first merchant payment device.

[0108] Optionally, the peripheral device may be a terminal located around the first merchant payment device, other merchant payment devices, etc. It should be noted that since the terminal is held by the user account, the terminal position will change with the movement of the user. Therefore, when the terminal is used as the first merchant payment device, it is necessary to locate the real-time position of the terminal when it is located around the first merchant payment device.

[0109] In other embodiments, the peripheral devices may also be some public devices with fixed locations, such as: some shared charging rental devices with fixed locations, parking locations of shared vehicles, etc.

[0110] For example, taking the peripheral device as a shared charging rental device, the same user account used the first merchant payment device at the first moment and used the shared charging rental device at the second moment. When the time difference between the first moment and the second moment is less than a threshold, the shared charging rental device is determined as a peripheral device of the first merchant payment device.

[0111] It should be noted that, in this embodiment, there may not be a short-range communication connection between the merchant payment device and the peripheral device. Among them, the short-range communication connection method includes but is not limited to any of the following: Bluetooth connection, wireless network (Wireless Fidelity, WiFi) connection, Near Field Communication (Near Field Communication, NFC). That is, the server in this embodiment does not need to determine the peripheral device of the merchant payment device by judging whether the merchant payment device and the peripheral device are connected via Bluetooth, or whether they are connected to the same Bluetooth. The server in this embodiment does not need to determine the peripheral device of the merchant payment device by judging whether the merchant payment device and the peripheral device are connected to the same WiFi, or using WiFi probe technology.

[0112] Among them, WiFi probe technology is a technology that uses the transmission characteristics of WiFi signals to detect the location and movement status of devices. It determines the surrounding WiFi devices by monitoring WiFi signals and decoding information such as the Media Access Control Address (MAC) and signal strength, and infers the location and movement trajectory of WiFi devices to determine the surrounding devices of the merchant's payment device.

[0113] Exemplarily, based on payment behavior information of at least one user account, a first merchant payment device is determined, and a peripheral device of the first merchant payment device is determined.

[0114] In some embodiments, payment behavior information of at least one user account is input into a pre-trained path prediction model, and the pre-trained path prediction model is used to perform path prediction on at least one user account to obtain a predicted path of the at least one user account, and a device with positioning capability in the predicted path is determined as a peripheral device of the first merchant payment device.

[0115] The path prediction model is a neural network model obtained by pre-training before step 220. Optionally, the path prediction model can be at least one of a convolutional neural network model (CNN), a recurrent neural network model (RNN), and a long short-term memory network model (LSTM).

[0116] Exemplarily, the training process of the path prediction model includes: obtaining sample payment behavior information of at least one sample user account, and path information corresponding to the sample payment behavior information; inputting the sample payment behavior information of at least one sample user account into the path prediction model to obtain predicted path information; determining the training loss of the path prediction model based on the path information and the predicted path information; and training the model parameters of the path prediction model with minimizing the training loss as the training goal to obtain a pre-trained path prediction model.

[0117] Optionally, the sample payment behavior information includes information about the payment behavior of at least one sample user account using biometric identification in response to the sample merchant payment device and the peripheral devices of the sample merchant payment device, specifically including the device type, device identification, and device location of the sample merchant payment device, and at least one of the time information, bill information, and payment result information of the sample payment behavior. The path information corresponding to the sample payment behavior includes at least one of the starting position corresponding to the first sample payment behavior of the same sample user account, the middle position corresponding to at least one intermediate sample payment behavior, the ending position corresponding to the last sample payment behavior, and transportation information.

[0118] Optionally, the device with positioning capability in the predicted path may be at least one of a merchant payment device equipped with a GPS positioning chip distributed along the predicted path, a public device with a fixed location, and a terminal held by a user account located on the predicted path in real time.

[0119] In some embodiments, the predicted path may be expanded outwardly along the edge of the predicted path according to the extended distance to obtain an extended predicted path, and the devices with positioning capability in the extended predicted path may be simultaneously determined as peripheral devices for payment by the first merchant.

[0120] Optionally, the extension distance may be a set fixed distance, such as setting the extension distance to 5 meters. Alternatively, the extension distance may also be determined based on geographic information of the predicted path. The geographic information includes at least one of population density and terrain type.

[0121] The expansion distance may be negatively correlated with the population density, and the expansion distance may correspond to the terrain type one by one. When the first expansion distance determined based on the population density is not equal to the second expansion distance determined based on the terrain type, the average of the first expansion distance and the second expansion distance is determined as the final expansion distance. Alternatively, the first expansion distance and the second expansion distance are weighted and summed to obtain the final expansion distance.

[0122] For example: if the geographical information corresponding to the predicted path is a plain with a high population density, it is inferred that the distribution of businesses is relatively dense; if the geographical information corresponding to the predicted path is a mountain with a low population density, it is inferred that the distribution of businesses is relatively sparse. Therefore, the corresponding expansion distance on the plain with a high population density may be smaller than the corresponding expansion distance on the mountain with a low population density.

[0123] In some embodiments, at least one adaptive parameter layer may be added to the pre-trained path prediction model. Before prediction, for a user account, the model parameters of the pre-trained path prediction model are adaptively updated using the payment behavior information of the user account to obtain an updated path prediction model for the user account. Then, the payment behavior information of the user account is re-input into the updated path prediction model, and the updated path prediction model is used to perform path prediction on the user account to obtain the predicted path of the user account. Optionally, the adaptive parameter layer may be cascaded with any original neural network layer of the path prediction model.

[0124] Step 260: Determine the device location of the first merchant payment device based on the location information of the surrounding device.

[0125] The device location of the first merchant payment device is a physical location on a map.

[0126] Optionally, the device location of the first merchant payment device may be represented by the merchant name or number, the street number where the merchant is located, the longitude and latitude of the location point, etc.

[0127] Exemplarily, the device location of the peripheral device is located in real time through a GPS positioning chip configured in the peripheral device. Based on the location information of the peripheral device, the device location of the first merchant payment device can be determined.

[0128] In summary, the method provided in the embodiment of the present application obtains the payment behavior information of at least one user account, the payment behavior information is the information of the merchant payment device responding to the payment behavior of at least one user account using biometric identification; based on the payment behavior information of at least one user account, the peripheral devices of the first merchant payment device are determined, the peripheral devices refer to devices located around the first merchant payment device and having positioning capabilities; based on the location information of the peripheral devices, the device location of the first merchant payment device is determined. The above scheme can realize the positioning of the merchant payment device and determine the device location of the merchant payment device when the merchant payment device is not equipped with a GPS positioning chip.

[0129] In some embodiments, the first merchant payment device has at least two peripheral devices. Through the use of the at least two peripheral devices and the first merchant payment device by multiple user accounts, a user heat distribution map, also called a user heat map, can be determined.

[0130] The heat map is a schematic diagram that highlights the page areas that the user account is keen on and the geographical areas where the merchant payment devices used by the user account are located. Through the heat map, when the user account makes continuous payment behaviors, the distance range between the surrounding devices at known locations and the first merchant payment device at unknown locations can be determined to assist in determining the device location of the first merchant payment device.

[0131] For example, Figure 4 A schematic diagram of a method for locating a merchant payment device provided by an exemplary embodiment of the present application is shown. The above step 240 may specifically include the following steps 320 and 340:

[0132] Step 320: Determine the thermal distribution map corresponding to the at least two surrounding devices based on the position information of the at least two surrounding devices.

[0133] In some embodiments, based on the position information of at least two surrounding devices, the device positions corresponding to the at least two surrounding devices are determined. According to the distance between the device positions of the at least two surrounding devices and the weights corresponding to the device positions of the at least two surrounding devices, the pixel values ​​and heat values ​​corresponding to the at least two surrounding devices are determined, and the above pixel values ​​and heat values ​​of each device position are used as attributes, and the above device positions are mapped to the coordinate axes to determine the thermal distribution map corresponding to the at least two surrounding devices.

[0134] In some embodiments, the weight is used to characterize the color depth in the thermal distribution map. The pixel value is used to characterize the heat of each position point in the thermal distribution map, and the heat can be represented by the heat value. The pixel value is positively correlated with the heat value.

[0135] For example, taking the device location of a peripheral device as an example, the greater the weight corresponding to the device location, the more frequently the user account uses the peripheral device or the higher the popularity. The location point corresponding to the device location in the heat distribution map is equivalent to the brighter color, higher pixel value, and greater heat value of other location points.

[0136] Optionally, the weight may be determined based on the information type of the location information, and there is a corresponding relationship between the weight and the information type. Alternatively, the weight may be determined based on the accuracy of the location information, and there is a positive correlation between the weight and the accuracy.

[0137] For example, taking the peripheral device as an example, the information type of the location information of the peripheral device is GPS positioning information, that is, the location of the device is obtained through the GPS positioning chip, and the weight of the device location can be determined according to the corresponding relationship. The higher the accuracy of the location information obtained by the GPS positioning chip, the greater the weight of the device location corresponding to the location information.

[0138] Optionally, the heat value may also be determined based on the number of times the peripheral device is used, the frequency of use, and the length of time the peripheral device stays at the device location where the peripheral device is located during use.

[0139] For example, the more times a user account uses a peripheral device, the greater the frequency of use, and the longer the stay time at the device location of the peripheral device during the use of the peripheral device, the higher the heat value corresponding to the device location of the peripheral device in the thermal distribution map.

[0140] In some embodiments, at least one user account can also be analyzed based on the payment behavior information of at least one user account to determine the number of times, frequency of use, length of stay, etc. of the at least two surrounding devices used by the at least one user account, and the pixel values ​​and heat values ​​corresponding to the at least two surrounding devices can be determined. The pixel values ​​and heat values ​​of each device position can be used as attributes, and the device positions can be mapped to the coordinate axes respectively to determine the thermal distribution map corresponding to the at least two surrounding devices.

[0141] In some embodiments, based on the position information of at least two surrounding devices, the position features of the position information of at least two surrounding devices can be extracted; the position features of at least two surrounding devices can be mapped to obtain pixel values ​​and heat values ​​corresponding to the at least two surrounding devices respectively; the above-mentioned pixel values ​​and heat values ​​of each device position are used as attributes, and the above-mentioned device positions are mapped onto the coordinate axes respectively, so as to determine the thermal distribution map corresponding to the at least two surrounding devices.

[0142] Step 340: Determine the device location of the first merchant payment device according to the thermal distribution diagrams corresponding to at least two surrounding devices.

[0143] Exemplarily, the device location of the first merchant payment device may be determined according to the above-mentioned thermal distribution map.

[0144] Please continue reading Figure 4 , the above step 340 specifically includes the following steps 342, 344 and 346:

[0145] Step 342: Determine the position ranges corresponding to the at least two surrounding devices respectively according to the thermal distribution diagrams corresponding to the at least two surrounding devices.

[0146] Exemplarily, the position ranges corresponding to the at least two surrounding devices are determined based on the thermal distribution diagrams corresponding to the at least two surrounding devices.

[0147] In some embodiments, the shape of the location range of the peripheral device may be circular, square, irregular, etc., which is not limited in this embodiment. The size of the location range may be determined according to the time interval between the use of at least two peripheral devices by the same user account.

[0148] For example, if the time interval between the use of the peripheral device 1 and the peripheral device 2 by the same user account is 1 minute, it can be estimated that the radius of the location range of the peripheral device 1 and the peripheral device 2 is 10 meters.

[0149] In the heat distribution map, the brighter the color corresponding to the location point in the location range, that is, the higher the pixel value, the greater the heat value, which can indicate that the user account frequently visits the location point.

[0150] Step 344, based on the pixel value of each position point within the position range in the heat distribution map, determine the confidence level corresponding to each position point; the pixel value is used to characterize the heat of each position point, and the confidence level is used to characterize the rationality of each position point as the device position of the first merchant payment device.

[0151] The pixel value of each position point in the heat distribution map is used to represent the heat of each position point. The size of the pixel value is positively correlated with the size of the heat value. For example, the higher the heat value of the position point, the brighter the color in the heat distribution map, and the lower the heat value of the position point, the darker the color in the heat distribution map.

[0152] Exemplarily, based on the pixel values ​​of each position point within the position range of at least two surrounding devices in the thermal distribution map, the confidence level corresponding to each position point is determined, wherein the confidence level is used to characterize the reasonableness (probability) of each position point as the device position of the first merchant payment device.

[0153] In this embodiment, the pixel value is positively correlated with the confidence level, that is, the higher the pixel value of a location point in the heat distribution map, the greater the confidence level corresponding to the location point, and the greater the probability that the location point can be used as the device location of the first merchant payment device, that is, the higher the rationality.

[0154] In some embodiments, in order to further save the processing time for determining the confidence level corresponding to each position point, the following processing can be performed: based on the position ranges corresponding to at least two peripheral devices, the intersection range between each position range is determined, and the confidence level of each position point is determined based on the pixel value of each position point within the above intersection range in the thermal distribution map. Accordingly, only the confidence level of each position point within the intersection range needs to be determined, the number of position points is reduced, and the processing time is saved.

[0155] Step 346: Determine the device location of the first merchant payment device based on the confidence levels corresponding to the respective location points.

[0156] Optionally, based on the confidence levels corresponding to the respective location points, location points having confidence levels higher than a confidence threshold are screened out from the location points, or location points having the highest confidence levels are screened out from the location points, and the locations of the screened location points are determined as the device locations of the first merchant payment device.

[0157] In some embodiments, when the confidence levels of multiple screened location points are the same, or when there are multiple screened location points that are higher than a confidence threshold, the area containing the screened location points can be determined based on the locations of the screened location points, and the location of the center point of the area can be determined as the device location of the first merchant payment device.

[0158] In the above embodiment, a thermal distribution map corresponding to at least two surrounding devices is determined based on the location information of at least two surrounding devices. The thermal distribution map can intuitively represent the location points frequently visited by the user account on the map, so that the device location of the first merchant payment device can be determined based on these location points, thereby improving the accuracy of the determined device location of the first merchant payment device.

[0159] In some embodiments, the peripheral device of the first merchant payment device may be a terminal held by the user account. Figure 5 A flowchart of a method for locating a merchant payment device provided by an exemplary embodiment of the present application is shown. The above step 240 performed by the server may optionally include the following steps 420 and 440:

[0160] Step 420: Based on the payment behavior information of at least one user account, determine the first user account that completes the payment behavior through the first merchant payment device, and send a push message to the terminal held by the first user account.

[0161] The payment behavior information specifically includes the device identifier of the merchant payment device used to complete the current payment behavior and the user account that completed the current payment behavior. The first user account refers to the user account that completes the payment behavior through the first merchant payment device.

[0162] A push message refers to a message sent by a server to a terminal held by a user account after the user account completes the current payment behavior. Optionally, the push message may be at least one of payment discount information, marketing activity information, and payment result information for the first user account.

[0163] Optionally, based on the payment behavior information of at least one user account, a first user account that completes the payment behavior through the first merchant payment device is determined, and a push message is sent to a terminal held by the first user account.

[0164] Step 440 , when the first user account views or responds to the push message through the terminal, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device.

[0165] Optionally, when the first user account views or responds to the push message through a terminal, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device.

[0166] In some embodiments, since the terminal is held by the first user account, the terminal location will change as the user moves. Therefore, when the terminal held by the first user account is determined as a peripheral device of the first merchant payment device, the method also includes: obtaining the real-time location of the terminal when the first user account views or responds to a push message through the terminal; and determining the real-time location of the terminal as the location information of the terminal.

[0167] Exemplarily, when the first user account views or responds to a push message through a terminal, the terminal is triggered to obtain the real-time location of the terminal through a GPS positioning chip and report it to the server. At this time, the server determines the real-time location of the terminal as the location information of the terminal.

[0168] In some embodiments, since the terminal is held by the first user account, the terminal position will change as the user moves. In order to further ensure the accuracy of using the terminal as a peripheral device of the first merchant payment device and avoid excessive distance between the terminal position and the first merchant payment device, the above step 440 is further specifically implemented as the following steps 442, 444 and 446:

[0169] Step 442 , determining a time point at which the terminal of the first user account receives the push message, and a time point at which the first user account checks or responds to the push message through the terminal.

[0170] The receiving time point refers to the time point when the terminal held by the first user account receives the push message.

[0171] The processing time point refers to the time point when the first user account views or responds to the push message through the terminal.

[0172] Exemplarily, the time point at which the push message is received by the terminal of the first user account and the time point at which the first user account checks or responds to the push message through the terminal are determined.

[0173] Step 444, determining a processing interval between the receiving time point and the processing time point.

[0174] Exemplarily, the processing interval between the receiving time point and the processing time point is determined by calculating the time difference between the processing time point and the receiving time point.

[0175] Step 446: When the processing interval is less than or equal to the processing interval threshold, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device.

[0176] The processing interval threshold refers to a preset maximum processing interval.

[0177] Exemplarily, when the processing interval is less than or equal to the processing interval threshold, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device.

[0178] In some embodiments, different user accounts may correspond to different processing interval thresholds, which may be specifically determined based on information such as the type of transportation used by the user account and the type of items purchased.

[0179] For example, if user account A usually uses a car as a means of transportation, and user account B usually does not use any means of transportation, it is predicted that within the same period of time after the payment behavior is completed, the distance between user account A and the first merchant's payment device will be farther, and the processing interval threshold of user account A can be smaller than the processing interval threshold of user account B. Or, if the item purchased by user account A this time is a large device, and the item purchased by user account B this time is a beverage, it is predicted that after the payment behavior is completed, user account A may need to move the large device, and user account B can leave directly, and the distance between user account B and the first merchant's payment device will be farther, and the processing interval threshold of user account A can be greater than the processing interval threshold of user account B.

[0180] In this embodiment, when the first user account checks or responds to the push message through the terminal within the processing interval threshold, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device, and the terminal position can be obtained in real time, which can ensure that the distance between the terminal and the first merchant payment device is close, and a relatively accurate terminal position can be obtained as a reference for the device position of the first merchant payment device. Moreover, the above method does not require a short-range communication connection between the terminal and the first merchant payment device, such as: using Bluetooth connection, or both connected to the same wireless WiFi and other short-range communication connection methods, which reduces the performance requirements for the first merchant payment device and terminal, and reduces costs.

[0181] In some embodiments, the peripheral device of the first merchant payment device may be another merchant payment device that is used simultaneously with the user account of the first merchant payment device. Figure 6 A flowchart of a method for locating a merchant payment device provided by an exemplary embodiment of the present application is shown. The above step 240 performed by the server may optionally include the following steps 520, 540 and 560:

[0182] Step 520: Based on the payment behavior information of the at least one user account, determine a second user account that has completed payment behaviors through the first merchant payment device and at least one other merchant payment device, respectively.

[0183] Other merchant payment devices refer to other merchant payment devices except the first merchant payment device.

[0184] The second user account refers to a user account that completes payment actions respectively through the first merchant payment device and at least one other merchant payment device.

[0185] Exemplarily, based on the payment behavior information of at least one user account, a second user account that has completed payment behaviors respectively through the first merchant payment device and at least one other merchant payment device is determined.

[0186] Step 540: Determine a second merchant payment device that meets the screening condition from at least one other merchant payment device used by the second user account.

[0187] The second merchant payment device is another merchant payment device of the at least one other merchant payment device.

[0188] The screening condition refers to a condition determined based on the payment interval corresponding to the continuous payment behaviors of the second user account on different merchant payment devices.

[0189] For example, the second user account may use at least one other merchant payment device at different time periods and locations. It is necessary to determine a second merchant payment device that meets the screening condition from the at least one other merchant payment device used by the second user account. The screening condition will be described in detail in the following embodiments.

[0190] Step 560: determine the second merchant payment device as a peripheral device of the first merchant payment device.

[0191] In some embodiments, since the second user account may use at least one other merchant payment device at different time periods and locations, not all other merchant payment devices can be used as peripheral devices of the first merchant payment device, so it is necessary to screen the at least one other merchant payment device used by the second user account. Figure 6 , the above step 540 can be specifically implemented as the following steps 542, 544 and 546:

[0192] Step 542 , determining a first time point when the second user account uses the first merchant payment device, and at least one second time point when the second user account uses at least one other merchant payment device.

[0193] The first time point is the time point when the second user account uses the first merchant payment device.

[0194] The second time point is the time point when the second user account uses payment devices of other merchants respectively.

[0195] Exemplarily, a first time point at which a second user account uses a first merchant payment device and at least one second time point at which a second user account uses at least one other merchant payment device are determined.

[0196] Step 544, determining a payment interval between the first time point and at least one second time point, and a payment interval between every two second time points.

[0197] Exemplarily, each payment interval between a first time point and at least one second time point is determined. In this embodiment, in order to determine all possible peripheral devices located around the first merchant payment device, the payment interval is set to be the time interval between the first time point and each second time point, and the time interval between every two second time points.

[0198] Step 546: Filter out payment intervals that are less than or equal to the payment interval threshold from among the payment intervals.

[0199] The payment interval threshold refers to the pre-set maximum payment interval.

[0200] Exemplarily, at least one payment interval that is less than or equal to a payment interval threshold is screened out from the payment intervals determined above.

[0201] Step 548: Determine other merchant payment devices corresponding to the screened payment intervals as second merchant payment devices that meet the screening conditions.

[0202] Exemplarily, other merchant payment devices corresponding to the screened payment intervals are determined as second merchant payment devices that meet the screening conditions.

[0203] For example, the second user account uses the first merchant payment device, other merchant payment device A, and other merchant payment device B. Assume that the payment interval threshold is set to 5 minutes, the payment interval between the first merchant payment device and other merchant payment device A is 5 minutes, the payment interval between the first merchant payment device and other merchant payment device B is 5 minutes, and the payment interval between the first merchant payment device and other merchant payment device B is 10 minutes, then other merchant payment device A and other merchant payment device B can both serve as the second merchant payment device, that is, as peripheral devices of the first merchant payment device.

[0204] In this embodiment, the second user account can be regarded as roaming on various merchant payment devices. Based on the second user account that has used multiple merchant payment devices respectively, the surrounding devices of the first merchant payment device are determined. All surrounding devices of the first merchant payment device can be determined as much as possible. When the device location of the first merchant payment device is subsequently determined based on the location information of the surrounding devices, the accuracy of the device location can be improved.

[0205] As an example, in order to facilitate understanding of the solution of the embodiment of the present application, taking the example that the method of biometric identification of the user account is palm print recognition, the payment method using biometric identification is palm swiping payment, and the merchant payment device is a palm swiping device, the positioning method of the merchant payment device of the embodiment of the present application is described in detail.

[0206] Overall architecture

[0207] Figure 7 An architectural diagram of a method for locating a merchant payment device provided by an exemplary embodiment of the present application is shown. Figure 7 The architecture diagram shown includes: a terminal 610, a palm-brushing device 620, and a backend server 630. The client 610 and the palm-brushing device 620 are respectively in communication connection with the backend server 630.

[0208] The terminal 610 is installed with a client of the palm-swiping applet 612, and the terminal 610 is equipped with a GPS positioning chip 614, through which the terminal 610 can be positioned. Based on the palm-swiping applet 612, functions such as obtaining bill information, payment result notification, preferential information push, and active reporting of device location can be realized.

[0209] The palm-swiping device 620 is installed and running with a palm-swiping client 622 . In an actual application scenario, multiple palm-swiping devices 620 may be provided, wherein the multiple palm-swiping devices 620 may or may not be configured with a GPS positioning chip 624 .

[0210] The backend server 630 includes a push backend server 632, a payment backend server 634, and a location management backend server 636. The push backend server 632 is responsible for pushing payment-related messages to the user account, such as bill information, payment result notifications, promotional activities, etc. The payment backend server 634 is responsible for payment-related behaviors of the user account, such as responding to payment behaviors, order management, deduction management, bill management, merchant settlement, etc. The location management backend server 636 is responsible for managing the location information of the palm-swiping device 620. In the case where some palm-swiping devices 620 are not equipped with a GPS positioning chip 624, the location management backend server 636 can also determine the device location of the palm-swiping device 620 based on various auxiliary location information.

[0211] It should be noted that the above embodiment is described by taking the background server 630 including the push background server 632, the payment background server 634, and the location management background server 636 as an example. In actual application scenarios, the push background server 632, the payment background server 634, and the location management background server 636 can also be integrated into the same background server.

[0212] Positioning method 1: precise positioning

[0213] When the palm-swiping device is equipped with a GPS positioning chip, the location management backend server will give priority to using the device location of the palm-swiping device reported by the GPS positioning chip to locate the palm-swiping device.

[0214] Positioning method 2: push message positioning

[0215] When a user account completes a payment, the push backend server will send a push message to the terminal held by the user account. The push message includes at least one of payment discount information, marketing activity information, and payment result information. When the user account views or responds to the push message through the terminal within the set processing interval threshold, the palm-swiping applet is triggered to obtain the terminal location in real time through the GPS positioning chip. The location management backend server will use the terminal location as the device location of the palm-swiping device, or as reference information for the device location. Figure 8 A flowchart of a method for locating a merchant payment device provided by an exemplary embodiment of the present application is shown, and the steps are briefly described as follows:

[0216] 1. The user completes palm scanning on the palm scanning device using the user account;

[0217] 2. The push backend server sends push messages to the terminal held by the user account. The push messages include payment discount information, marketing activity information, payment result information, etc.;

[0218] 3. The user account views or responds to the above push message through the terminal held within the processing interval threshold;

[0219] 4. The terminal obtains the terminal location in real time through the GPS positioning chip and reports the terminal location to the location management background server;

[0220] 5. The location management backend server can use the reported terminal location as the device location of the palm-swiping device; or, as reference information for the device location of the palm-swiping device, and subsequently determine the device location of the palm-swiping device in combination with other surrounding devices.

[0221] Positioning method three: thermal distribution map positioning

[0222] When a user account completes palm swiping on device A equipped with a GPS positioning chip, and completes palm swiping on device B that is not equipped with a GPS positioning chip within the set palm swiping interval threshold, the location management background server can determine the device location of device B based on the device location and palm swiping interval of device A; as the above situation occurs more and more, the user account can also complete palm swiping on device C equipped with a GPS positioning chip. The above-mentioned device A and device C can serve as peripheral devices of device B, and the device location of device B can be obtained by determining the thermal distribution map corresponding to the above-mentioned peripheral devices. Fig. 9 A flowchart of a method for locating a merchant payment device provided by an exemplary embodiment of the present application is shown, and the steps are briefly described as follows:

[0223] 1. Device A is equipped with a GPS positioning chip, and the user account is scanned through device A;

[0224] 2. Device B is not equipped with a GPS positioning chip. Within the set palm scanning interval threshold, the above user account completes the palm scanning through device B;

[0225] 3. Determine the palm-swipe interval between device A and device B; the location management backend server can estimate the device location of device B based on the device location of device A and the palm-swipe interval; wherein device A can be used as a peripheral device of device B, and the device location of device B can be determined through the thermal distribution map corresponding to the peripheral device;

[0226] 4. The location management backend server obtains the device location of device B.

[0227] In some embodiments, the above three positioning methods can be further combined to comprehensively determine the device location of the palm-swiping device that is not equipped with a GPS positioning chip, thereby realizing the positioning of the palm-swiping device.

[0228] In summary, when the merchant payment device is a palm-swipe device, the payment behavior information of at least one user account can be obtained. The payment behavior information is the information of the payment behavior of the palm-swipe device in response to at least one user account using palmprint recognition; based on the payment behavior information of at least one user account, the peripheral devices of the first palm-swipe device are determined. The peripheral devices refer to devices located around the first palm-swipe device and having positioning capabilities; based on the location information of the peripheral devices, the device location of the first palm-swipe device is determined. The above scheme can realize the positioning of the palm-swipe device and determine a relatively accurate device location of the palm-swipe device when the palm-swipe device is not equipped with a GPS positioning chip for positioning.

[0229] For example, Fig.10 The structural block diagram of a positioning device of a merchant payment device provided by an exemplary embodiment of the present application is shown. The positioning device 800 of the merchant payment device includes:

[0230] The acquisition module 810 is used to acquire payment behavior information of at least one user account, where the payment behavior information is information of the payment device of the merchant in response to the payment behavior of the at least one user account using biometric recognition.

[0231] The determination module 820 is used to determine a peripheral device of the first merchant payment device based on the payment behavior information of the at least one user account, where the peripheral device refers to a device located around the first merchant payment device and having a positioning capability.

[0232] The positioning module 830 is used to determine the device location of the first merchant payment device based on the location information of the surrounding device.

[0233] In some embodiments, the first merchant payment device has at least two peripheral devices; the positioning module 830 is used to:

[0234] Determining a thermal distribution map corresponding to the at least two surrounding devices based on the position information of the at least two surrounding devices;

[0235] The device position of the first merchant payment device is determined according to the thermal distribution maps corresponding to the at least two surrounding devices.

[0236] In some embodiments, the positioning module 830 is used to:

[0237] Determining the position ranges corresponding to the at least two peripheral devices respectively according to the thermal distribution diagrams corresponding to the at least two peripheral devices;

[0238] Based on the pixel value of each position point within the position range in the heat distribution map, the confidence level corresponding to each position point is determined; the pixel value is used to characterize the heat of each position point, and the confidence level is used to characterize the rationality of each position point as the device position of the first merchant payment device;

[0239] Based on the confidence levels respectively corresponding to the location points, a device location of the first merchant payment device is determined.

[0240] In some embodiments, the determining module 820 is used to:

[0241] Based on the payment behavior information of the at least one user account, determining a first user account that completes the payment behavior through the first merchant payment device, and sending a push message to a terminal held by the first user account;

[0242] In a case where the first user account views or responds to the push message through the terminal, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device.

[0243] In some embodiments, the acquisition module 810 is further used to: acquire the real-time location of the terminal when the first user account views or responds to the push message through the terminal.

[0244] In some embodiments, the positioning module 830 is further used to determine the real-time location of the terminal as the location information of the terminal.

[0245] In some embodiments, the determining module 820 is used to:

[0246] Determine a receiving time point of the push message received by the terminal of the first user account, and a processing time point of the push message viewed or responded to by the first user account through the terminal;

[0247] determining a processing interval between the receiving time point and the processing time point;

[0248] When the processing interval is less than or equal to a processing interval threshold, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device.

[0249] In some embodiments, the determining module 820 is used to:

[0250] Based on the payment behavior information of the at least one user account, determining a second user account that completes the payment behavior through the first merchant payment device and at least one other merchant payment device respectively;

[0251] Determining a second merchant payment device that meets the screening condition from the at least one other merchant payment device used by the second user account;

[0252] The second merchant payment device is determined as a peripheral device of the first merchant payment device.

[0253] In some embodiments, the determining module 820 is used to:

[0254] determining a first point in time at which the second user account used the first merchant payment device, and at least one second point in time at which the second user account used the at least one other merchant payment device;

[0255] Determine a payment interval between the first time point and the at least one second time point, and a payment interval between every two second time points;

[0256] Filtering out payment intervals that are less than or equal to a payment interval threshold from the payment intervals;

[0257] The other merchant payment devices corresponding to the screened payment interval are determined as second merchant payment devices that meet the screening condition.

[0258] It should be noted that the specific limitations in the embodiments of the positioning device of one or more merchant payment devices provided above can refer to the limitations of the positioning method of the merchant payment device above, and will not be repeated here. Each module of the above device can be implemented in whole or in part by software, hardware and a combination thereof. Each module can be embedded in the processor of the computer device in the form of hardware or independent of it, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to each module.

[0259] An embodiment of the present application also provides a computer device, which includes: a processor and a memory, wherein a computer program is stored in the memory; the processor is used to execute the computer program in the memory to implement the positioning method of the merchant payment device provided by the above-mentioned method embodiments.

[0260] Optionally, the computer device is a server. Fig.11 It is a structural block diagram of a server provided by an exemplary embodiment of the present application.

[0261] Typically, the server 1000 includes: a processor 1001 and a memory 1002 .

[0262] The processor 1001 may include one or more processing cores, such as a 4-core processor, an 8-core processor, etc. The processor 1001 may be implemented in at least one hardware form of digital signal processing (DSP), field programmable gate array (FPGA), and programmable logic array (PLA). The processor 1001 may also include a main processor and a coprocessor. The main processor is a processor for processing data in an awake state, also known as a central processing unit (CPU); the coprocessor is a low-power processor for processing data in a standby state. In some embodiments, the processor 1001 may be integrated with a graphics processing unit (GPU), which is responsible for rendering and drawing the content to be displayed on the display screen. In some embodiments, the processor 1001 may also include an artificial intelligence (AI) processor, which is used to process computing operations related to machine learning.

[0263] The memory 1002 may include one or more computer-readable storage media, which may be non-transitory. The memory 1002 may also include a high-speed random access memory, and a non-volatile memory, such as one or more disk storage devices, flash memory storage devices. In some embodiments, the non-transitory computer-readable storage medium in the memory 1002 is used to store at least one instruction, which is used to be executed by the processor 1001 to implement the positioning method of the merchant payment device provided in the method embodiment of the present application.

[0264] In some embodiments, the server 1000 may also optionally include: an input interface 1003 and an output interface 1004. The processor 1001, the memory 1002, the input interface 1003, and the output interface 1004 may be connected via a bus or a signal line. Each peripheral device may be connected to the input interface 1003 and the output interface 1004 via a bus, a signal line, or a circuit board. The input interface 1003 and the output interface 1004 may be used to connect at least one peripheral device related to input / output (I / O) to the processor 1001 and the memory 1002. In some embodiments, the processor 1001, the memory 1002, the input interface 1003, and the output interface 1004 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 1001, the memory 1002, the input interface 1003, and the output interface 1004 may be implemented on a separate chip or circuit board, which is not limited in the embodiments of the present application.

[0265] Those skilled in the art will understand that Fig.11 The structure shown in the figure does not constitute a limitation on the computer device, and may include more or less components than shown in the figure, or combine some components, or adopt a different component arrangement.

[0266] The present application provides a chip, which includes a programmable logic circuit and / or program instructions. When the chip runs on a computer device, it is used to implement the positioning method of the merchant payment device provided by the above method embodiment.

[0267] The present application provides a computer-readable storage medium, which stores a computer program. The computer program is loaded and executed by a processor to implement the positioning method of a merchant payment device provided in the above method embodiment.

[0268] The present application provides a computer program product or a computer program, wherein the computer program product or the computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. The processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the processor of the computer device loads and executes the method for locating a merchant payment device provided in the above method embodiment.

[0269] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0270] A person skilled in the art will understand that all or part of the steps to implement the above embodiments may be accomplished by hardware or by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, and the above-mentioned computer-readable storage medium may be a read-only memory, a disk or an optical disk, etc.

[0271] Those skilled in the art should be aware that in one or more of the above examples, the functions described in the embodiments of the present application can be implemented with hardware, software, firmware, or any combination thereof. When implemented using software, these functions can be stored in a computer-readable medium or transmitted as one or more instructions or codes on a computer-readable medium. Computer-readable media include computer storage media and communication media, wherein the communication media include any media that facilitates the transmission of a computer program from one place to another. The storage medium can be any available medium that a general or special-purpose computer can access.

[0272] The above description is only an optional embodiment of the present application and is not intended to limit the present application. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present application shall be included in the protection scope of the present application.

Claims

1. A method for locating a merchant payment device, characterized in that: The method comprises: Acquire payment behavior information of at least one user account, wherein the payment behavior information is information of the payment device of the merchant in response to the payment behavior of the at least one user account using biometric recognition; Based on the payment behavior information of the at least one user account, determining a peripheral device of the first merchant payment device, wherein the peripheral device refers to a device located around the first merchant payment device and having a positioning capability; Based on the location information of the peripheral device, the device location of the first merchant payment device is determined.

2. The method according to claim 1, characterized in that The first merchant payment device has at least two peripheral devices; The determining the device location of the first merchant payment device based on the location information of the peripheral device includes: Determining a thermal distribution map corresponding to the at least two surrounding devices based on the position information of the at least two surrounding devices; The device position of the first merchant payment device is determined according to the thermal distribution maps corresponding to the at least two surrounding devices.

3. The method according to claim 2, characterized in that The determining the device position of the first merchant payment device according to the thermal distribution diagrams corresponding to the at least two surrounding devices includes: Determining the position ranges corresponding to the at least two peripheral devices respectively according to the thermal distribution diagrams corresponding to the at least two peripheral devices; Based on the pixel value of each position point within the position range in the heat distribution map, the confidence level corresponding to each position point is determined; the pixel value is used to characterize the heat of each position point, and the confidence level is used to characterize the rationality of each position point as the device position of the first merchant payment device; Based on the confidence levels respectively corresponding to the location points, a device location of the first merchant payment device is determined.

4. The method according to any one of claims 1 to 3, characterized in that: The determining of the peripheral device of the first merchant payment device based on the payment behavior information of the at least one user account includes: Based on the payment behavior information of the at least one user account, determining a first user account that completes the payment behavior through the first merchant payment device, and sending a push message to a terminal held by the first user account; In the case where the first user account views or responds to the push message through the terminal, determining the terminal held by the first user account as a peripheral device of the first merchant payment device; The method further comprises: The real-time location of the terminal when the first user account views or responds to the push message through the terminal is obtained; and the real-time location of the terminal is determined as the location information of the terminal.

5. The method according to claim 4, characterized in that The method of determining the terminal held by the first user account as a peripheral device of the first merchant payment device when the first user account views or responds to the push message through the terminal includes: Determine a receiving time point of the push message received by the terminal of the first user account, and a processing time point of the push message viewed or responded to by the first user account through the terminal; determining a processing interval between the receiving time point and the processing time point; When the processing interval is less than or equal to a processing interval threshold, the terminal held by the first user account is determined as a peripheral device of the first merchant payment device.

6. The method according to any one of claims 1 to 3, characterized in that: The determining of the peripheral device of the first merchant payment device based on the payment behavior information of the at least one user account includes: Based on the payment behavior information of the at least one user account, determining a second user account that completes the payment behavior through the first merchant payment device and at least one other merchant payment device respectively; Determining a second merchant payment device that meets the screening condition from the at least one other merchant payment device used by the second user account; The second merchant payment device is determined as a peripheral device of the first merchant payment device.

7. The method according to claim 6, characterized in that The determining, from the at least one other merchant payment device used by the second user account, a second merchant payment device that meets a screening condition includes: determining a first point in time at which the second user account used the first merchant payment device, and at least one second point in time at which the second user account used the at least one other merchant payment device; Determine a payment interval between the first time point and the at least one second time point, and a payment interval between every two second time points; Filtering out payment intervals that are less than or equal to a payment interval threshold from the payment intervals; The other merchant payment devices corresponding to the screened payment interval are determined as second merchant payment devices that meet the screening condition.

8. A positioning device for a merchant payment device, characterized in that: The device comprises: An acquisition module, configured to acquire payment behavior information of at least one user account, wherein the payment behavior information is information of the payment device of the merchant in response to the payment behavior of the at least one user account using biometric identification; a determination module, configured to determine, based on the payment behavior information of the at least one user account, a peripheral device of the first merchant payment device, wherein the peripheral device refers to a device located around the first merchant payment device and having a positioning capability; A positioning module is used to determine the device location of the first merchant payment device based on the location information of the surrounding device.

9. A computer device, characterized in that: The computer device comprises: a processor and a memory, wherein the memory stores a computer program, and the computer program is loaded and executed by the processor to implement the positioning method of a merchant payment device according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and the computer program is loaded and executed by a processor to implement the positioning method of a merchant payment device according to any one of claims 1 to 7.

11. A computer program product, characterized in that The computer program product includes computer instructions, which are stored in a computer-readable storage medium. The processor obtains the computer instructions from the computer-readable storage medium, so that the processor loads and executes them to implement the positioning method for a merchant payment device as described in any one of claims 1 to 7.

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