Payment information sending and processing method and related device

Abstract

The invention discloses a payment information sending method, a payment information processing method and a related device, relates to the field of internet, and aims to send a payment promotion information acquisition request to a provider of a target payment channel by using target electronic equipment. And when the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, the target payment channel of a provider of the target payment channel is sent to the user terminal in advance to be displayed, and the target payment channel is used by the user for payment. And then the payment promotion information acquisition request is sent to the provider of the target payment channel again, and after the target payment promotion information of the provider of the target payment channel is received, the target payment promotion information is sent to the user terminal to be displayed. When the payment promotion information of the provider of the target payment channel is not obtained in time, the payment channel is preferentially sent to the user terminal to be displayed for user payment. And the release success rate of the payment promotion information is improved while the transaction success rate is ensured.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a payment information sending and processing method and related devices. Background Art

[0002] When users make online payments, they can often choose one of the multiple payment channels on the payment page (such as a web page or application page) of the product provider to make payments. Different payment channels may be provided by different payment channel providers. In order to attract users to choose their own payment channels, payment channel providers often send payment promotion information (such as payment discount information) to the server of the product provider. The server of the product provider sends the payment channel and the received payment promotion information to the payment page for display.

[0003] The inventors of this application have discovered through research that: when the server of the product provider is unable to receive valid payment promotion information for some reason (such as incomplete payment promotion information due to packet loss), the payment promotion information and its payment channel will not be displayed on the payment page of the product provider, resulting in some payment channels being unable to be selected and used by users. Summary of the invention

[0004] In view of the above problems, this application provides a payment information sending and processing method and related devices to achieve the purpose of improving the transaction success rate and the delivery rate of payment promotion information. The specific scheme is as follows:

[0005] A first aspect of the present application provides a payment information sending method, which is applied to a target electronic device, and the method includes:

[0006] Sending a payment promotion information acquisition request to a provider of a target payment channel, where the target payment channel is used to provide payment services for transactions between users and merchants;

[0007] If the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, the target payment channel is sent to the user terminal for display;

[0008] The payment promotion information acquisition request is sent again to the provider of the target payment channel, and after receiving the target payment promotion information, the target payment promotion information is sent to the user terminal for display.

[0009] In a possible implementation, sending the target payment channel to a user terminal for display includes:

[0010] If the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, first payment promotion information is acquired, and a preset expiration flag is added to the first payment promotion information, where the preset expiration flag is used to indicate that the first payment promotion information is expiration information;

[0011] The target payment channel and the first payment promotion information added with the preset expiration mark are sent to a user terminal, so that the user terminal only displays the target payment channel.

[0012] In a possible implementation, the obtaining the first payment promotion information includes:

[0013] Setting first payment promotion information for the target payment channel;

[0014] Or, query the first payment promotion information corresponding to the target payment channel.

[0015] In a possible implementation, sending the target payment promotion information to the user terminal for display includes:

[0016] The target payment promotion information is sent to the user terminal as the promotion information of the target payment channel, so that the user terminal displays the target payment promotion information in the associated area of ​​the target payment channel, and the associated area is an area in the payment page.

[0017] In a possible implementation, sending the payment promotion information acquisition request to the provider of the target payment channel includes: sending the payment promotion information acquisition request to the provider of the target payment channel through the first interface;

[0018] The sending the payment promotion information acquisition request to the provider of the target payment channel again includes: sending the payment promotion information acquisition request to the provider of the target payment channel again through a second interface, and the first interface is different from the second interface.

[0019] In a possible implementation, before sending a payment promotion information acquisition request to the provider of the target payment channel, the following is further included:

[0020] The target payment channel is determined according to the user's payment association information, wherein the user's payment association information includes at least one of the user's transaction data, the network status of the user terminal, and the user's membership attributes.

[0021] In a possible implementation, determining the target payment channel according to the payment association information of the user includes:

[0022] According to at least one characteristic data contained in the target payment associated information, the payment channel corresponding to each characteristic data is determined, and the target payment channel is selected therefrom, wherein the target payment associated information is the transaction data of the user or the network status of the user terminal or the membership attributes of the user.

[0023] In a possible implementation, determining the target payment channel according to the payment association information of the user includes:

[0024] Determine the payment channel corresponding to each characteristic data according to at least one characteristic data included in the target payment association information, and select the payment channel to be selected therefrom, wherein the target payment association information is at least two of the transaction data of the user, the network status of the user terminal, and the membership attribute of the user;

[0025] The target payment channel is determined according to the score of each of the candidate payment channels.

[0026] In a possible implementation, before sending a payment promotion information acquisition request to the provider of the target payment channel, the following is further included:

[0027] A target promotion strategy is determined according to the user's transaction data, and the target promotion strategy is added to the payment promotion information acquisition request to request the provider of the target payment channel to return target payment promotion information matching the target promotion strategy.

[0028] In a possible implementation, determining a target promotion strategy based on the user's transaction data includes:

[0029] Determine a score of a promotion strategy corresponding to each transaction feature data in the transaction data;

[0030] According to the weight of each transaction feature data, the scores of the promotion strategies are weighted and fused to obtain a promotion strategy score, and the target promotion strategy is determined according to the promotion strategy score.

[0031] A second aspect of the present application provides a payment information processing method, which is applied to a user terminal, comprising:

[0032] receiving a target payment channel sent by a target electronic device, and displaying the target payment channel, wherein the target payment channel is sent when the target electronic device does not receive target payment promotion information within a preset time after sending a payment promotion information acquisition request to a provider of the target payment channel;

[0033] Receive the target payment promotion information sent by the target electronic device, and display the target payment promotion information, wherein the target payment promotion information is obtained after the target electronic device sends the payment promotion information acquisition request to the provider of the target payment channel again.

[0034] A third aspect of the present application provides a payment information sending device, comprising:

[0035] A promotion information acquisition module, used to send a payment promotion information acquisition request to a provider of a target payment channel, where the target payment channel is used to provide payment services for transactions between users and merchants;

[0036] a payment channel display module, configured to send the target payment channel to a user terminal for display if the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent; and

[0037] The promotion information display module is used to send the payment promotion information acquisition request to the provider of the target payment channel again, and after receiving the target payment promotion information, send the target payment promotion information to the user terminal for display.

[0038] A fourth aspect of the present application provides an electronic device, comprising at least one processor and a memory connected to the processor, wherein:

[0039] The memory is used to store computer programs;

[0040] The processor is used to execute the computer program so that the electronic device can implement the payment information sending method described in the first aspect or any implementation manner of the first aspect, or the payment information processing method described in the second aspect.

[0041] In a fifth aspect, the present application provides a computer storage medium, which carries one or more computer programs. When the one or more computer programs are executed by an electronic device, the electronic device can implement the payment information sending method described in the first aspect or any implementation method of the first aspect, or the payment information processing method described in the second aspect.

[0042] By means of the above technical solution, the payment information sending method provided by the present application sends a payment promotion information acquisition request to the provider of the target payment channel by using the target electronic device. When the target payment promotion information is not received within the preset time after the payment promotion information acquisition request is sent, the target payment channel of the provider of the target payment channel is first sent to the user terminal for display for the user to pay. Then the payment promotion information acquisition request is sent to the provider of the target payment channel again, and after receiving the target payment promotion information of the provider of the target payment channel, the target payment promotion information is sent to the user terminal for display. It is achieved that when the payment promotion information of the provider of the target payment channel is not obtained in time, the target payment channel is preferentially sent to the user terminal for display for the user to pay, and the completion of the transaction payment is preferentially guaranteed. At the same time, the payment promotion information is acquired again through the payment promotion information acquisition request to improve the success rate of the payment promotion information. Thereby, while ensuring the transaction success rate, the success rate of the payment promotion information is improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] The above and other features, advantages and aspects of the embodiments of the present disclosure will become more apparent with reference to the following detailed description in conjunction with the accompanying drawings. Throughout the accompanying drawings, the same or similar reference numerals represent the same or similar elements. It should be understood that the drawings are schematic and the originals and elements are not necessarily drawn to scale.

[0044] Figure 1 A structural diagram of a payment information sending system provided for this application;

[0045] Figure 2 A structural diagram of a terminal provided for this application;

[0046] Figure 3 A structural diagram of a server provided for this application;

[0047] Figure 4 A flowchart of the payment information sending method provided for this application;

[0048] Figure 5 The signaling flow chart for sending payment information provided for this application;

[0049] Figure 6 A structural diagram of the payment information sending device provided in this application;

[0050] Figure 7 This is a structural diagram of the electronic device provided for this application. DETAILED DESCRIPTION

[0051] The following describes the embodiments of the present application in conjunction with the drawings in the embodiments of the present application. The terms used in the implementation method section of the present application are only used to explain the specific embodiments of the present application, and are not intended to limit the present application.

[0052] The embodiments of the present application are described below in conjunction with the accompanying drawings. Those skilled in the art will appreciate that, with the development of technology and the emergence of new scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0053] The terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and need not be used to describe a specific order or sequential order. It should be understood that the terms used in this way can be interchangeable under appropriate circumstances, which is only to describe the distinction mode adopted by the objects of the same attributes when describing in the embodiments of the present application. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, so that the process, method, system, product or equipment comprising a series of units need not be limited to those units, but may include other units that are not clearly listed or inherent to these processes, methods, products or equipment.

[0054] See also Figure 1 , Figure 1 1 shows a schematic diagram of a payment information sending system architecture. The system may include a terminal 100 and a server 200. The server 200 may include one or more servers ( Figure 1 In the example, a server is included, and the server 200 can provide the payment information sending method provided in the embodiment of the present application for one or more terminals.

[0055] Among them, a transaction request initiating application can be installed on the terminal 100. The above application and web page can provide an interface. The terminal 100 can receive a transaction request initiated by a user on the transaction request processing interface, and send the transaction request to the server 200. The server 200 can obtain a processing result based on the received transaction request and return the processing result to the terminal 100.

[0056] It should be understood that in some optional implementations, the terminal 100 can also complete the action of obtaining the processing result based on the received parameters by itself without the cooperation of the server, and the embodiments of the present application are not limited to this.

[0057] Next describe Figure 1 The product form of the mid-terminal 100;

[0058] The terminal 100 in the embodiment of the present application can be a mobile phone, a tablet computer, a wearable device, a vehicle-mounted device, an augmented reality (AR) / virtual reality (VR) device, a laptop computer, an ultra-mobile personal computer (UMPC), a netbook, a personal digital assistant (PDA), etc., and the embodiment of the present application does not impose any limitation on this.

[0059] Figure 2 An optional hardware structure diagram of the terminal 100 is shown.

[0060] refer to Figure 2 As shown, the terminal 100 may include a radio frequency unit 110, a memory 120, an input unit 130, a display unit 140, a camera 150 (optional), an audio circuit 160 (optional), a speaker 161 (optional), a microphone 162 (optional), an earphone jack 163 (optional), a processor 170, an external interface 180, a power supply 190 and other components. Those skilled in the art will appreciate that Figure 2 These are merely examples of terminals or multi-function devices and do not constitute limitations on the terminals or multi-function devices, which may include more or fewer components than those shown in the figures, or combinations of certain components, or different components.

[0061] The input unit 130 can be used to receive input digital or character information, and generate key signal input related to the user settings and function control of the portable multifunctional device. Specifically, the input unit 130 may include a touch screen 131 (optional) and / or other input devices 132. The touch screen 131 can collect the user's touch operations on or near it (such as the user's operation on or near the touch screen using any suitable object such as fingers, joints, stylus, etc.), and drive the corresponding connection device according to a pre-set program. The touch screen can detect the user's touch action on the touch screen, convert the touch action into a touch signal and send it to the processor 170, and can receive and execute the command sent by the processor 170; the touch signal at least includes the touch point coordinate information. The touch screen 131 can provide an input interface and an output interface between the terminal 100 and the user. In addition, the touch screen can be implemented using multiple types such as resistive, capacitive, infrared and surface acoustic wave. In addition to the touch screen 131, the input unit 130 can also include other input devices. Specifically, other input devices 132 may include, but are not limited to, one or more of a physical keyboard, function keys (such as a volume control key, a switch key, etc.), a trackball, a mouse, a joystick, and the like.

[0062] Among them, the input device 132 can receive input data and the like.

[0063] The display unit 140 may be used to display information input by the user or provided to the user, various menus of the terminal 100, interactive interfaces, file displays, and / or playback of any multimedia files. In the embodiment of the present application, the display unit 140 may be used to display the interface of the transaction request, processing results, etc.

[0064] The memory 120 can be used to store instructions and data. The memory 120 can mainly include an instruction storage area and a data storage area. The data storage area can store various data, such as multimedia files, texts, etc.; the instruction storage area can store software units such as operating systems, applications, instructions required for at least one function, or their subsets and extensions. It can also include a non-volatile random access memory; provide the processor 170 with hardware, software and data resources including management of computing and processing equipment, and support control software and applications. It is also used for the storage of multimedia files, and the storage of running programs and applications.

[0065] The processor 170 is the control center of the terminal 100. It uses various interfaces and lines to connect various parts of the entire terminal 100. By running or executing instructions stored in the memory 120 and calling data stored in the memory 120, it executes various functions of the terminal 100 and processes data, thereby controlling the terminal device as a whole. Optionally, the processor 170 may include one or more processing units; preferably, the processor 170 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface and application program, and the modem processor mainly processes wireless communication. It is understandable that the above-mentioned modem processor may not be integrated into the processor 170. In some embodiments, the processor and the memory may be implemented on a single chip, and in some embodiments, they may also be implemented separately on separate chips. The processor 170 may also be used to generate corresponding operation control signals, send them to corresponding components of the computing and processing device, read and process data in the software, especially read and process data and programs in the memory 120, so that each functional module therein performs corresponding functions, thereby controlling the corresponding components to act according to the requirements of the instructions.

[0066] Among them, the memory 120 can be used to store software codes related to the payment information sending method, the processor 170 can execute the steps of the payment information sending method, and can also schedule other units (such as the above-mentioned input unit 130 and display unit 140) to implement corresponding functions.

[0067] The radio frequency unit 110 (optional) can be used for receiving and sending information or receiving and sending signals during a call, for example, after receiving the downlink information of the base station, it is sent to the processor 170 for processing; in addition, the designed uplink data is sent to the base station. Generally, the RF circuit includes but is not limited to an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier (Low Noise Amplifier, LNA), a duplexer, etc. In addition, the radio frequency unit 110 can also communicate with network devices and other devices through wireless communication. The wireless communication can use any communication standard or protocol, including but not limited to Global System of Mobile communication (Global System of Mobile communication, GSM), General Packet Radio Service (General Packet Radio Service, GPRS), Code Division Multiple Access (Code Division Multiple Access, CDMA), Wideband Code Division Multiple Access (Wideband Code Division Multiple Access, WCDMA), Long Term Evolution (Long Term Evolution, LTE), email, Short Messaging Service (SMS), etc.

[0068] In this embodiment of the present application, the radio frequency unit 110 can send the transaction request data to the server 200, and receive the processing results of the payment channel and payment promotion information sent by the server 200.

[0069] It should be understood that the radio frequency unit 110 is optional and can be replaced by other communication interfaces, such as a network port.

[0070] The terminal 100 also includes a power supply 190 (such as a battery) for supplying power to various components. Preferably, the power supply can be logically connected to the processor 170 through a power management system, so that the power management system can manage functions such as charging, discharging, and power consumption.

[0071] The terminal 100 further includes an external interface 180 , which may be a standard Micro USB interface or a multi-pin connector, and may be used to connect the terminal 100 to communicate with other devices, or to connect a charger to charge the terminal 100 .

[0072] Although not shown, the terminal 100 may also include a flashlight, a wireless fidelity (WiFi) module, a Bluetooth module, sensors with different functions, etc., which are not described in detail here. Some or all of the methods described below may be applied in the following embodiments. Figure 2 In the terminal 100 shown.

[0073] Next describe Figure 1 The product form of the server 200;

[0074] Figure 3 A structural diagram of a server 200 is provided, such as Figure 3 As shown, the server 200 includes a bus 201, a processor 202, a communication interface 203, and a memory 204. The processor 202, the memory 204, and the communication interface 203 communicate with each other via the bus 201.

[0075] The bus 201 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 3 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0076] The processor 202 may be any one or more of a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor (MP), or a digital signal processor (DSP).

[0077] The memory 204 may include a volatile memory, such as a random access memory (RAM). The memory 204 may also include a non-volatile memory, such as a read-only memory (ROM), a flash memory, a hard drive (HDD), or a solid state drive (SSD).

[0078] The memory 204 may be used to store software codes related to the payment information sending method, the processor 202 may execute the steps of the payment information sending method of the chip, and may also schedule other units to implement corresponding functions.

[0079] It should be understood that the above-mentioned terminal 100 and server 200 can be centralized or distributed devices, and the processors in the above-mentioned terminal 100 and server 200 (such as processor 170 and processor 202) can be hardware circuits (such as application specific integrated circuit (ASIC), field-programmable gate array (FPGA), general-purpose processor, digital signal processor (DSP), microprocessor or microcontroller, etc.), or a combination of these hardware circuits. For example, the processor can be a hardware system with an instruction execution function, such as a CPU, DSP, etc., or a hardware system without an instruction execution function, such as an ASIC, FPGA, etc., or a combination of the above-mentioned hardware systems without an instruction execution function and hardware systems with an instruction execution function.

[0080] The embodiment of the present application provides a payment information sending method, which can be applied to electronic devices such as servers that have data processing and transceiver functions. The payment information sending method of the embodiment of the present application is described in detail below in conjunction with the accompanying drawings.

[0081] Reference Figure 4 , Figure 4 A schematic diagram of a payment information sending method provided in an embodiment of the present application is shown in FIG. Figure 4 As shown, a payment information sending method provided in an embodiment of the present application may include steps 401 to 403, and these steps are described in detail below.

[0082] 401. Send a payment promotion information acquisition request to a provider of a target payment channel, where the target payment channel is used to provide payment services for transactions between users and merchants.

[0083] Specifically, the payment channel is the path through which funds are transferred from the payer to the payee during the transaction process, providing payment services for transactions between users and merchants. According to a certain classification method, there can be many payment channels, such as: offline POS (Point of sales) payment, online bank payment, third-party payment channels (such as **bao payment, *xin payment, etc.), mobile banking payment, Near Field Communication (NFC) payment, etc. Of course, payment channels can also be divided in other ways, such as dividing payment channels into online payment and offline payment, or dividing payment channels into card payment and cardless payment, or dividing payment channels into password payment, face payment, password-free payment, etc.

[0084] In an optional specific implementation, the present application may further divide one or some payment channels into more payment channels, such as: **bao payment is further divided into: **bao password-free payment and **bao installment payment, etc.

[0085] Different payment channels can be provided by different or the same providers. For example, a provider provides both **payment and near-field communication payment for users to use. The types of payment channel providers can include banks and non-bank payment companies. Of course, banks and non-bank payment companies can also be further divided, and this application does not limit this.

[0086] In an optional specific implementation, the target payment channel may be: one or more payment channels selected from a plurality of payment channels based on the user's transaction data, membership attributes, network conditions between the server and the payment channel provider, and the like.

[0087] Step 401 can be executed after the target electronic device receives a payment request from the user terminal. The object to be paid in the payment request can be a physical item or a virtual item, where virtual items can be of various types, such as playback rights of a video, membership rights, advertising exemption rights, etc.

[0088] In step 401, a payment promotion information acquisition request may be specifically sent to the electronic device of the provider of the target payment channel. Optionally, the electronic device of the provider of the target payment channel may be a server of the target payment channel.

[0089] The target electronic device may be a network-side device, such as a server of a shopping website or a server of a video playback website (the video playback website may provide membership purchase services, video playback authority purchase services, etc.).

[0090] Payment promotion information is promotion information set by payment channel providers to attract users to choose their payment channels, such as payment discount information. There are many types of payment promotion information, such as discount information, coupons, random instant discount information, points gift information, etc.

[0091] 402. If the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, the target payment channel is sent to the user terminal for display.

[0092] In step 402, if the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, only the target payment channel is sent to the user terminal for display.

[0093] Specifically, considering that network connection instability between the target electronic device and the electronic device of the provider of the target payment channel may cause the failure to obtain the target payment promotion information in a timely manner. Therefore, after sending a payment promotion information acquisition request, if the target payment promotion information feedback from the provider has not been received after waiting for a preset time (such as dozens of milliseconds), the target payment channel can be first displayed on the payment page sent to the user terminal, so that the target payment channel remains valid and is available for the user to select and use.

[0094] Specifically, sending the target payment channel to the user terminal specifically includes:

[0095] Sending the payment information of the target payment channel to the user terminal, where the payment information includes at least one of the following: the identifier of the payment channel, the descriptive information of the payment channel, the icon of the payment channel, and the payment parameters of the payment channel.

[0096] Optionally, the payment information of the target payment channel can be sent via the Hyper Text Transfer Protocol (HTTP).

[0097] Among them, the identifier of the payment channel is the name or identifier of the payment channel. For example, **Bao is "a**pay", and *Xin Payment is "we**at". The descriptive information of the payment channel is the explanatory content of the payment channel, which is used to help users understand the characteristics and usage methods of the payment channel. The icon of the payment channel in the payment information can be an icon resource link corresponding to the payment channel. When the user terminal loads the payment page, the payment channel icon can be displayed on the payment page through this icon resource link. The payment parameters can be additional information related to payment, such as parameters used to verify the legality of the payment request when subsequently calling the payment interface. For example: public account ID (appId), Unix timestamp (timeStamp), random string (nonceStr), order details extension string (package), signature method (signType), signature (paySign), etc.

[0098] Optionally, if the target payment promotion information is received within the preset time after sending the payment promotion information acquisition request, the target payment channel and the target payment promotion information can be sent to the user terminal for display at the same time. In this way, the target payment channel and its target payment promotion information can be displayed on the user terminal, and the user can select a payment channel for use according to the payment promotion information.

[0099] 403. Send a payment promotion information acquisition request to the provider of the target payment channel again, and after receiving the target payment promotion information, send the target payment promotion information to the user terminal for display.

[0100] Specifically, if the target payment promotion information is not received within the preset time after sending the payment promotion information acquisition request, the present application may send the payment promotion information acquisition request to the provider of the target payment channel again, and after receiving the target payment promotion information, send the target payment promotion information to the payment page of the user terminal for display, thereby realizing the asynchronous sending of the target payment channel and the target payment promotion information.

[0101] The payment information sending method realizes that when the target payment promotion information of the provider of the target payment channel is not obtained in time, the target payment channel is first sent to the user terminal for display, ensuring that the target payment channel can be selected and used by the user. At the same time, the application can obtain the target payment promotion information again through the payment promotion information acquisition request, and after receiving the target payment promotion information, send the target payment promotion information to the user terminal for display, and the user terminal can display the target payment channel and the target payment promotion information. The application can improve the success rate of the payment promotion information delivery, and also improve the probability of the target payment channel being selected and used by the user.

[0102] In an optional embodiment, a specific implementation of the above step 402 includes:

[0103] If the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, first payment promotion information is acquired, and a preset expiration flag is added to the first payment promotion information, where the preset expiration flag is used to indicate that the first payment promotion information is expiration information;

[0104] The target payment channel and the first payment promotion information with the preset expiration mark added thereto are sent to a user terminal, so that the user terminal only displays the target payment channel.

[0105] Since a preset expiration mark is added to the first payment promotion information, regardless of whether the first payment promotion information is empty or what specific promotion content the first payment promotion information includes, the user terminal will not display the first payment promotion information when loading the payment page, thereby achieving the purpose of the user terminal only displaying the target payment channel.

[0106] Optionally, the specific process of obtaining the first payment promotion information may include:

[0107] Set the first payment promotion information for the target payment channel;

[0108] Or, query the first payment promotion information corresponding to the target payment channel.

[0109] Among them, the first payment promotion information set for the target payment channel can be empty information or preset non-empty information.

[0110] Specifically, the first payment promotion information corresponding to the target payment channel may be queried in the database, and the database may store multiple payment channels and their corresponding payment promotion information. The payment promotion information stored in the database may be recorded historical payment promotion information, specifically, a historical payment promotion information whose promotion time is closest to the current time in the historical payment promotion information.

[0111] In an optional specific implementation, step 402 may send the target payment channel to the user terminal as an optional payment channel in the payment page. In many scenarios, the payment page may display multiple payment channels for the user to choose from, and the target payment channel sent in step 402 may be sent to the user terminal as an optional payment channel, so that the user terminal displays the target payment channel after rendering the payment page.

[0112] In an optional embodiment, another specific implementation of the above step 402 includes:

[0113] If the target payment promotion information is not received within a preset time after sending the payment promotion information acquisition request, the target payment channel and empty payment promotion information are sent to the user terminal so that the user terminal displays the target payment channel and does not display the empty payment promotion information.

[0114] Specifically, step 402 may send at least two key-value pairs to the user terminal, wherein the key in one key-value pair is the identifier of the target payment channel, and the value is the description information of the target payment channel, the icon of the target payment channel, and the payment parameters of the target payment channel. The key in another key-value pair is the identifier of the payment promotion information, such as promotion, and the value is empty content.

[0115] Since the value corresponding to the identifier of the payment promotion information is empty, the user terminal cannot display the payment promotion information, thereby achieving the effect of displaying only the target payment channel.

[0116] It is understandable that those skilled in the art may also use other methods to achieve the separate display of the above-mentioned target payment channels, which will not be elaborated here.

[0117] In another specific embodiment, sending the target payment promotion information to the user terminal for display in the above step 403 may specifically include:

[0118] The target payment promotion information is sent to the user terminal as the promotion information of the target payment channel, so that the user terminal displays the target payment promotion information in the associated area of ​​the target payment channel, and the associated area is the area in the payment page.

[0119] The above-mentioned sending the target payment promotion information as the promotion information of the target payment channel to the user terminal may specifically include: sending the target payment promotion information and the identifier of the target payment channel together to the user terminal.

[0120] In this way, the user terminal can display the target payment promotion information in the associated area of ​​the target payment channel.

[0121] Specifically, since the target payment channel has been sent to the user terminal for display in step 402, in order to display the target payment promotion information on the user terminal, the present application can control the user terminal to refresh the payment page. When the user terminal refreshes the payment page, it will reload the payment page according to the received information. Since the target payment promotion information has been sent to the user terminal in step 403, after the page is refreshed, the payment page can display the target payment channel and the target payment promotion information at the same time, thus achieving the integrity of the information display. The user can select and use the target payment channel according to the target payment promotion information.

[0122] Of course, in another optional implementation, the present application may not refresh the page, but only refresh the display controls. It is understandable that there may be multiple display controls in the page, and different controls may display different contents. The present application may only refresh the controls used to display the target payment promotion information, so that the target payment promotion information can be displayed. Since it is faster to refresh only one or more controls relative to refreshing the page, this method also increases the refresh speed, so that the target payment promotion information is displayed faster on the user terminal.

[0123] In some specific embodiments, the above steps 401 and 403 may send the payment promotion information acquisition request through different interfaces respectively. For example, step 401 sends the payment promotion information acquisition request to the provider of the target payment channel through a first interface, and step 403 sends the payment promotion information acquisition request to the provider of the target payment channel again through a second interface, and the first interface is different from the second interface.

[0124] Optionally, the first interface may be an aggregation interface, and the second interface may be a promotion information query interface.

[0125] The aggregation interface is an interface for sending a variety of information including a payment promotion information acquisition request, and the promotion information query interface is an interface specifically used to send a payment promotion information acquisition request. Since the aggregation interface needs to send a lot of information, if the aggregation interface waits for a long time after sending the payment promotion information acquisition request, it may affect the sending and / or receiving of other information. In order to avoid affecting the sending and / or receiving of other information, the present application sets a preset time on the one hand. If the aggregation interface does not receive the target payment promotion information within the preset time after sending the payment promotion information acquisition request, the aggregation interface can no longer wait for the target payment promotion information and can send and receive other information. On the other hand, the present application sends the payment promotion information acquisition request again through a dedicated promotion information query interface. In this way, there is no need for the aggregation interface to send the payment promotion information acquisition request again, further reducing the impact on the sending and receiving of other information. In an optional implementation, after sending the payment promotion information acquisition request through the promotion information query interface, a preset time can also be set. The preset time set for the promotion information query interface can be greater than the preset time used in step 402.

[0126] In some other specific embodiments, before sending a payment promotion information acquisition request to the provider of the target payment channel, the acquisition process of the target payment channel and the target payment promotion information may specifically include:

[0127] The target payment channel is determined according to the user's payment association information, where the user's payment association information includes at least one of the user's transaction data, the network status of the user's terminal, and the user's membership attributes.

[0128] Specifically, the classification model may be used to classify user behaviors and transaction habits, determine at least one payment channel corresponding to the classification result, and then determine the target payment channel from the payment channels corresponding to the classification result based on the payment association information.

[0129] The classification model can be constructed using a mean clustering algorithm, for example, a K-means clustering algorithm can be used to identify user types. The historical transaction data of the user group to be used may include: transaction amount, transaction frequency, payment channel, time, etc. The following is an explanation of the construction process of the preset classification model using the transaction amount, transaction frequency, payment channel, and transaction time as clustering items of the cluster center. The construction process of the preset classification model may include the following steps 1 to 4.

[0130] Step 1: Preprocess historical transaction data:

[0131] Optionally, the above preprocessing may include: data cleaning, data transformation and data standardization.

[0132] Among them, data cleaning can remove missing values, duplicate values ​​and outliers from the collected historical transaction data. Data transformation can convert categorical data into numerical data (for example, the identification of the payment channel is originally categorical data, which can be converted into numerical data, such as 0, 1, 2, etc.), making it suitable for machine learning algorithms. Data standardization can normalize or standardize the data so that all feature values ​​are on the same scale, avoiding the uneven impact of certain features on the clustering results.

[0133] Step 2: Feature selection and engineering:

[0134] Feature selection: Select features related to user behavior and transaction habits from the pre-processed historical transaction data, namely: transaction amount, transaction frequency, payment channel and transaction time.

[0135] Feature engineering: Process the feature data related to user behaviors and transaction habits obtained above, such as normalization, standardization, encoding, etc., to ensure that the data is suitable for the K-means clustering algorithm.

[0136] Step 3: Model training:

[0137] Training K-means model: Use the selected K value to train the K-means clustering model and determine the center (centroid) of each cluster. The K value represents the number of cluster centers, that is, the number of categories for classification. Here, the K value can be set to 3, and users are divided into three types of users: highly active users, moderately active users, and low active users in order of activity from high to low. Then select a data point for each cluster center. The data points here include the values ​​of the four data items mentioned above: transaction amount, transaction frequency, payment channel, and transaction time. Then perform clustering based on the distance from other data points to the data point (Euclidean distance, Manhattan distance, etc.).

[0138] Predict cluster labels: Assign each data point to the nearest cluster center to obtain the cluster label for each data point. Repeat the above clustering process of selecting cluster centers and calculating the distances from other data points to the data point until the obtained cluster center no longer changes significantly, and a trained K-means model is obtained.

[0139] Step 4: Model evaluation:

[0140] Silhouette coefficient: The silhouette coefficient of the cluster obtained by calculating the K-means model is used to evaluate the clustering effect. The larger the silhouette coefficient, the better the clustering effect.

[0141] Within-cluster error sum of squares (WCSS): evaluates the distance from the data points within a cluster to the cluster center after the historical transaction data is clustered using the K-means model. The smaller the distance, the better the clustering effect.

[0142] The K-means model obtained after the above training and evaluation is used as a classification model. By inputting the user's transaction data into the preset classification model, the user type of the user is obtained as: highly active user, moderately active user or low active user. The activity level of these three user types can be determined by the transaction amount and transaction frequency, the type distribution of the payment channels used, and the distribution of transaction time throughout the day.

[0143] For example, for highly active users: transaction amount: high; transaction frequency: high; payment channels: diverse; transaction time: around the clock; corresponding promotion strategies may include: providing exclusive discounts and membership activities to enhance user loyalty.

[0144] Moderately active users: transaction amount: medium; transaction frequency: medium; payment channel: mainly bank card payment; transaction time: mainly at night; corresponding promotion strategies may include: launching regular promotional activities to stimulate users' purchasing interest.

[0145] Low-activity users: transaction amount: low; transaction frequency: low; payment channel: mainly using the payment channel provided by the shopping software; transaction time: occasional transactions; corresponding promotion strategies may include: attracting users through instant discounts on payments to increase activity.

[0146] It is understandable that those skilled in the art may select and adjust the types of the above classification models as needed, and reselect the user type, which is not limited here.

[0147] Based on the above preliminary payment channels and payment promotion strategies available to users, the target payment channels and target payment promotion information suitable for users can be dynamically selected in combination with payment-related information.

[0148] When determining the target payment channel based on the payment association information, the target payment channel may be determined based on any one of the user's transaction data, the network status of the user terminal, and the user's membership attributes, or a combination of two or three.

[0149] When determining the target payment channel based on any one of the user's transaction data, the network status of the user terminal, and the user's membership attributes, the payment channel corresponding to each characteristic data can be determined based on the characteristic data in each payment association information, and the target payment channel can be selected from them.

[0150] For example, a user's transaction data includes three characteristic data: transaction amount, transaction frequency, and product type:

[0151] Transaction amount: If the transaction amount is large, it may be more appropriate to pay by bank transfer or credit card as these methods are more secure and have higher payment limits.

[0152] Transaction frequency: If users make frequent small payments, then app payments are more appropriate.

[0153] Product type: Some products may require instalment payment and may be more suitable for you to pay by credit card or instalment payment service.

[0154] When selecting the target payment channel, the payment channel with the most repetitions may be selected as the target payment channel. Of course, the most important payment channel may also be determined as the target payment channel based on its importance. There is no restriction on the method of selecting the target payment channel.

[0155] The user's membership attributes include three characteristic data: credit score, membership level and user preference:

[0156] Credit score: If the user has a high credit score, we can recommend using a credit card to pay or opening an installment payment service.

[0157] Membership level: Higher-level members may enjoy more payment options, such as exclusive credit card payment offers or higher payment limits.

[0158] User Preferences: Get commonly used payment channels based on the user's payment history.

[0159] The network status of the user terminal may include two characteristic data: low network speed (for example, less than 500kbps) and high network speed (not less than 500kbps). In the case of low network speed, it is recommended to use payment channels that can be reliably completed at low network speed, such as bank card payment and application password payment. In the case of high network speed, it is more appropriate to use application password-free payment. In some cases, there may be multiple payment channels determined, and they can be displayed in the preset order when displaying.

[0160] When determining the target payment channel based on any two or three of the user's transaction data, the network status of the user terminal, and the user's membership attributes, the payment channel corresponding to each characteristic data can be determined based on at least one characteristic data included in the target payment association information, and the payment channel to be selected can be selected therefrom, and the target payment association information is at least two of the user's transaction data, the network status of the user terminal, and the user's membership attributes. Then, the target payment channel is determined based on the score of each payment channel to be selected.

[0161] Specifically, the target payment channel is determined by using the transaction data of the user using payment association information, the network status of the user terminal, and the membership attributes of the user.

[0162] Based on determining the candidate payment channels for each payment association information using the characteristic data of each payment association information, score each candidate payment channel according to the scoring rule, and then select the candidate payment channel with the highest score as the target payment channel.

[0163] The process of determining the target payment promotion information may specifically include: determining the target promotion strategy based on the user's transaction data, adding the target promotion strategy to the payment promotion information acquisition request, and requesting the provider of the target payment channel to return the target payment promotion information matching the target promotion strategy.

[0164] Specifically, the transaction feature data of the user's transaction data used here may include: transaction frequency (the number of times the user conducts transactions within a time period), transaction amount (may include the amount of each transaction and the total transaction amount), transaction time (the time period of a day when the transaction is conducted), transaction category (category of purchased goods: electronic products, daily necessities, clothing, etc.), payment preference (user's preferred payment channel: such as credit card, e-wallet, bank transfer, etc.).

[0165] The promotion strategy score can be obtained by determining the score of the promotion strategy corresponding to each transaction feature data in the transaction data and performing weighted fusion on the score of the promotion strategy according to the weight of each transaction feature data, and then determining the target promotion strategy according to the promotion strategy score.

[0166] For example, regarding transaction frequency: a user has made 20 transactions in the past month, with an average of one transaction every 1-2 days. Corresponding promotion strategy: for high-frequency trading users, recommend accumulated transaction rebates or coupons for monthly consumption of a certain amount.

[0167] For transaction amount: the transaction amount of each user is more than 500 yuan, and the total transaction amount in the past month has reached 10,000 yuan. Corresponding promotion strategy: For users with large transactions, recommend high-amount cashback, installment discounts or large-amount consumption points rewards.

[0168] Regarding transaction time: users often shop between 8pm and 10pm. Corresponding promotion strategy: provide limited-time coupons or limited-time cashback activities during the user's active time period to increase the user's willingness to trade during this time period.

[0169] For transaction categories: users mainly purchase electronic products and home appliances. Corresponding promotion strategy: provide exclusive coupons or points doubling activities for electronic products to attract users to purchase related products.

[0170] Regarding payment channel preference: Most of the transactions of users are paid by credit card. Corresponding promotion strategy: Provide cashback or points rewards exclusively for credit card payment to encourage users to continue to use their preferred payment channels.

[0171] Based on the above indicators, different weights are given, scores are calculated as weighted average, and personalized strategies are customized.

[0172] If the score is > 0.8, high-value vouchers are recommended; if the score is > 0.5, point rewards and instant point discounts are recommended; otherwise, limited-time promotions are recommended.

[0173] It is understandable that those skilled in the art may adjust the above promotion strategy determination process as needed, and no limitation is made here.

[0174] As a specific application of the above-mentioned embodiment, refer to Figure 5 As shown, the server can be decomposed into the front-end system, the middle-end system, the real-time analysis and dynamic switching module, and the back-end system as needed. The real-time analysis and dynamic switching module is responsible for analyzing user data and transaction environment, and dynamically selecting payment channels and payment promotion strategies. The middle-end system: connects the front-end system, the real-time analysis and dynamic switching module, and the back-end system. The back-end system: is responsible for communicating with the payment enterprise interface and obtaining payment promotion information. The implementation of the payment information sending method may specifically include the following processes:

[0175] Interaction process 1. User initiates transaction: The user initiates a transaction request in the user terminal, and the transaction request is received by the front-end system.

[0176] Interaction process 2. Front-end system processes requests: The front-end system receives transaction requests from users and displays available payment channels.

[0177] Interaction process 3: The front-end system sends a request to the middle-end system: The front-end system sends the transaction request and user information (including transaction data, member attributes, network status, etc.) to the middle-end system.

[0178] Interaction process 4: Real-time analysis of the middle-office system: The middle-office system calls the real-time analysis and dynamic switching modules to analyze the user's payment channels, payment promotion strategies, etc.

[0179] Interaction process 5. Dynamic selection of payment channels and payment promotion strategies: The real-time analysis and dynamic switching module selects the most suitable payment channels and payment promotion strategies based on the analysis results. If it is identified that it is not suitable to provide payment promotion information at the moment, this capability will be automatically blocked.

[0180] Interaction process 6: The middle-office system sends a request to the back-end system: The middle-office system sends the selected payment channel and payment promotion strategy to the back-end system.

[0181] Interaction process 7. The backend system calls the payment enterprise API (interface): The backend system connects to the payment enterprise API to obtain payment channels and payment promotion information corresponding to the payment promotion strategy.

[0182] Interaction process 8. Payment enterprise API returns information: The payment enterprise API returns payment promotion information to the backend system.

[0183] Interaction process 9. The backend system returns information to the middle-office system: The backend system passes the payment promotion information to the middle-office system.

[0184] Interaction process 10. The middle-office system returns information to the front-end system: The middle-office system sends the payment promotion information to the front-end system.

[0185] Interaction process 11. The front-end system displays the payment promotion plan: The front-end system displays the final payment channel and payment promotion information to the user.

[0186] Interaction process 12. User completes the transaction: The user selects a payment channel and completes the transaction.

[0187] Interaction process 13. Result feedback: The front-end system feeds back the transaction results to the user and sends the result data to the middle-end system for recording and analysis.

[0188] From the above, it can be seen that the payment information sending method, by introducing big data analysis and real-time analysis of the transaction environment in the transaction system, dynamically selects and switches suitable payment channels and recommends payment promotion information in a personalized manner according to different transaction situations, member attributes, and network conditions. At the same time, it supports the synchronous to asynchronous capability. Once it is identified that it is not appropriate to provide payment promotion information at the moment, the payment promotion information is recommended again in an asynchronous manner. In this way, while ensuring the success of payment, it can improve the conversion rate of members, increase the success rate of transactions and the revenue of the business.

[0189] Based on the same design idea, the embodiment of the present application also provides a payment information processing method, which is applied to a user terminal, including:

[0190] 501. Receive a target payment channel sent by a target electronic device, and display the target payment channel, wherein the target payment channel is sent when the target electronic device sends a payment promotion information acquisition request to a provider of the target payment channel and does not receive the target payment promotion information within a preset time.

[0191] 502. Receive target payment promotion information sent by the target electronic device, and display the target payment promotion information. The target payment promotion information is obtained after the target electronic device sends a payment promotion information acquisition request to the provider of the target payment channel again.

[0192] The specific implementation process of the payment information processing method can refer to the implementation method of the above-mentioned payment information sending method, which will not be repeated here.

[0193] A payment information sending method provided in an embodiment of the present application is introduced above, and a device for executing the above payment information sending method will be introduced below.

[0194] See also Figure 6 , Figure 6 This is a schematic diagram of the structure of a payment information sending device provided in an embodiment of the present application. Figure 6 As shown, the payment information sending device includes:

[0195] The promotion information acquisition module 601 is used to send a payment promotion information acquisition request to the provider of the target payment channel, and the target payment channel is used to provide payment services for transactions between users and merchants.

[0196] The payment channel display module 602 is used to send the target payment channel to the user terminal for display if the target payment promotion information is not received within a preset time after sending the payment promotion information acquisition request. And,

[0197] The promotion information display module 603 is used to send a payment promotion information acquisition request to the provider of the target payment channel again, and after receiving the target payment promotion information, send the target payment promotion information to the user terminal for display.

[0198] In a possible implementation, the process in which the promotion information display module 603 sends the target payment channel to the user terminal for display includes:

[0199] If the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, the first payment promotion information is acquired, and a preset expiration mark is added to the first payment promotion information, where the preset expiration mark is used to indicate that the first payment promotion information is expiration information;

[0200] The target payment channel and the first payment promotion information with a preset expiration mark added thereto are sent to the user terminal, so that the user terminal only displays the target payment channel.

[0201] In a possible implementation, the process of the promotion information display module 603 acquiring the first payment promotion information includes:

[0202] Set the first payment promotion information for the target payment channel;

[0203] Or, query the first payment promotion information corresponding to the target payment channel.

[0204] In a possible implementation, the process in which the promotion information display module 603 sends the target payment promotion information to the user terminal for display includes:

[0205] The target payment promotion information is sent to the user terminal as the promotion information of the target payment channel, so that the user terminal displays the target payment promotion information in the associated area of ​​the target payment channel, and the associated area is the area in the payment page.

[0206] In a possible implementation, the process of the promotion information acquisition module 601 sending a payment promotion information acquisition request to the provider of the target payment channel includes: sending the payment promotion information acquisition request to the provider of the target payment channel through the first interface;

[0207] Sending a payment promotion information acquisition request to the provider of the target payment channel again includes: sending a payment promotion information acquisition request to the provider of the target payment channel again through a second interface, and the first interface is different from the second interface.

[0208] In a possible implementation, the method further includes: a payment channel determination module, which is used to, before sending a payment promotion information acquisition request to a provider of a target payment channel:

[0209] The target payment channel is determined according to the user's payment association information, where the user's payment association information includes at least one of the user's transaction data, the network status of the user's terminal, and the user's membership attributes.

[0210] In a possible implementation, the process of the payment channel determination module determining the target payment channel according to the payment association information of the user includes:

[0211] According to at least one characteristic data contained in the target payment associated information, the payment channel corresponding to each characteristic data is determined, and the target payment channel is selected therefrom. The target payment associated information is the user's transaction data or the network status of the user terminal or the user's membership attributes.

[0212] In a possible implementation, the process of the payment channel determination module determining the target payment channel according to the payment association information of the user includes:

[0213] Determine the payment channel corresponding to each characteristic data according to at least one characteristic data included in the target payment association information, and select the payment channel to be selected therefrom, wherein the target payment association information is at least two of the user's transaction data, the network status of the user terminal, and the user's membership attributes;

[0214] The target payment channel is determined based on the score of each candidate payment channel.

[0215] In a possible implementation, the promotion information acquisition module 601 is further configured to, before sending a payment promotion information acquisition request to a provider of a target payment channel:

[0216] The target promotion strategy is determined based on the user's transaction data, and the target promotion strategy is added to the payment promotion information acquisition request to request the provider of the target payment channel to return the target payment promotion information that matches the target promotion strategy.

[0217] In a possible implementation, the process of the promotion information acquisition module 601 determining the target promotion strategy according to the user's transaction data includes:

[0218] Determine the score of the promotion strategy corresponding to each transaction feature data in the transaction data;

[0219] According to the weight of each transaction feature data, the scores of the promotion strategies are weighted and integrated to obtain the promotion strategy score, and the target promotion strategy is determined based on the promotion strategy score.

[0220] The present application also provides an electronic device in an embodiment. Figure 7 As shown, it shows a schematic diagram of the structure of an electronic device suitable for implementing the embodiment of the present application. The electronic device in the embodiment of the present application may include but is not limited to fixed terminals such as mobile phones, laptops, PDAs (personal digital assistants), PADs (tablet computers), desktop computers, etc. Figure 7 The electronic device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0221] like Figure 7 As shown, the electronic device may include a processing device (e.g., a central processing unit, a graphics processing unit, etc.) 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage device 708 to a random access memory (RAM) 703. When the electronic device is powered on, various programs and data required for the operation of the electronic device are also stored in the RAM 703. The processing device 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0222] Typically, the following devices may be connected to the I / O interface 705: an input device 706 including, for example, a touch screen, a touch pad, a keyboard, a mouse, a camera, a microphone, an accelerometer, a gyroscope, etc.; an output device 707 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; a storage device 708 including, for example, a memory card, a hard disk, etc.; and a communication device 709. The communication device 709 may allow the electronic device to communicate with other devices wirelessly or by wire to exchange data. Although Figure 7An electronic device having various devices is shown, but it should be understood that it is not required to implement or possess all the devices shown. More or fewer devices may be implemented or possessed instead.

[0223] Also provided in an embodiment of the present application is a computer program product, including computer-readable instructions. When the computer-readable instructions are executed on an electronic device, the electronic device implements any payment information sending method or payment information processing method provided in the embodiment of the present application.

[0224] A computer-readable storage medium is also provided in an embodiment of the present application. The storage medium carries one or more computer programs. When the one or more computer programs are executed by an electronic device, the electronic device can implement any payment information sending method or payment information processing method provided in the embodiment of the present application.

[0225] It is understandable that before using the technical solutions disclosed in the embodiments of the present disclosure, the types, scope of use, usage scenarios, etc. of the personal information involved in the present disclosure should be informed to the user and the user's authorization should be obtained in an appropriate manner in accordance with relevant laws and regulations.

[0226] It should also be noted that the device embodiments described above are merely schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed over multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. In addition, in the drawings of the device embodiments provided by the present application, the connection relationship between the modules indicates that there is a communication connection between them, which may be specifically implemented as one or more communication buses or signal lines.

[0227] Through the description of the above implementation mode, the technicians in the field can clearly understand that the present application can be implemented by means of software plus necessary general hardware, and of course, it can also be implemented by special hardware including special integrated circuits, special CPUs, special memories, special components, etc. In general, all functions completed by computer programs can be easily implemented by corresponding hardware, and the specific hardware structure used to implement the same function can also be various, such as analog circuits, digital circuits or special circuits. However, for the present application, software program implementation is a better implementation mode in more cases. Based on such an understanding, the technical solution of the present application is essentially or the part that contributes to the prior art can be embodied in the form of a software product, which is stored in a readable storage medium, such as a computer floppy disk, a U disk, a mobile hard disk, a ROM, a RAM, a disk or an optical disk, etc., including a number of instructions to enable a computer device (which can be a personal computer, a training device, or a network device, etc.) to execute the methods described in each embodiment of the present application.

[0228] In the above embodiments, all or part of the embodiments may be implemented by software, hardware, firmware or any combination thereof. When implemented by software, all or part of the embodiments may be implemented in the form of a computer program product.

[0229] The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function described in the embodiment of the present application is generated in whole or in part. The computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions may be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions may be transmitted from a website site, a computer, a training device, or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer, training device, or data center. The computer-readable storage medium may be any available medium that a computer can store or a data storage device such as a training device, a data center, etc. that includes one or more available media integrations. The available medium may be a magnetic medium, (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state drive (SSD)), etc.

Claims

1. A payment information sending method, characterized in that: Applied to a target electronic device, the method comprises: Sending a payment promotion information acquisition request to a provider of a target payment channel, where the target payment channel is used to provide payment services for transactions between users and merchants; If the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, the target payment channel is sent to the user terminal for display; The payment promotion information acquisition request is sent again to the provider of the target payment channel, and after receiving the target payment promotion information, the target payment promotion information is sent to the user terminal for display.

2. The payment information sending method according to claim 1, characterized in that: The sending the target payment channel to the user terminal for display includes: If the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent, first payment promotion information is acquired, and a preset expiration flag is added to the first payment promotion information, where the preset expiration flag is used to indicate that the first payment promotion information is expiration information; The target payment channel and the first payment promotion information added with the preset expiration mark are sent to a user terminal, so that the user terminal only displays the target payment channel.

3. The payment information sending method according to claim 2, characterized in that: The obtaining of the first payment promotion information includes: Setting first payment promotion information for the target payment channel; Or, query the first payment promotion information corresponding to the target payment channel.

4. The payment information sending method according to any one of claims 1 to 3, characterized in that: The sending the target payment promotion information to the user terminal for display includes: The target payment promotion information is sent to the user terminal as the promotion information of the target payment channel, so that the user terminal displays the target payment promotion information in the associated area of ​​the target payment channel, and the associated area is an area in the payment page.

5. The payment information sending method according to claim 1, characterized in that: The sending of the payment promotion information acquisition request to the provider of the target payment channel includes: sending the payment promotion information acquisition request to the provider of the target payment channel through the first interface; The sending the payment promotion information acquisition request to the provider of the target payment channel again includes: sending the payment promotion information acquisition request to the provider of the target payment channel again through a second interface, and the first interface is different from the second interface.

6. The payment information sending method according to claim 1, characterized in that: Before sending a payment promotion information acquisition request to the provider of the target payment channel, it also includes: The target payment channel is determined according to the user's payment association information, wherein the user's payment association information includes at least one of the user's transaction data, the network status of the user terminal, and the user's membership attributes.

7. The payment information sending method according to claim 6, characterized in that: Determining the target payment channel according to the payment association information of the user includes: According to at least one characteristic data contained in the target payment associated information, the payment channel corresponding to each characteristic data is determined, and the target payment channel is selected therefrom, wherein the target payment associated information is the transaction data of the user or the network status of the user terminal or the membership attributes of the user.

8. The payment information sending method according to claim 6, characterized in that: Determining the target payment channel according to the payment association information of the user includes: Determine the payment channel corresponding to each characteristic data according to at least one characteristic data included in the target payment association information, and select the payment channel to be selected therefrom, wherein the target payment association information is at least two of the transaction data of the user, the network status of the user terminal, and the membership attribute of the user; The target payment channel is determined according to the score of each of the candidate payment channels.

9. The payment information sending method according to claim 1, characterized in that: Before sending a payment promotion information acquisition request to the provider of the target payment channel, it also includes: A target promotion strategy is determined according to the user's transaction data, and the target promotion strategy is added to the payment promotion information acquisition request to request the provider of the target payment channel to return target payment promotion information matching the target promotion strategy.

10. The payment information sending method according to claim 9, characterized in that: Determine the target promotion strategy based on the user's transaction data, including: Determine a score of a promotion strategy corresponding to each transaction feature data in the transaction data; According to the weight of each transaction feature data, the scores of the promotion strategies are weighted and fused to obtain a promotion strategy score, and the target promotion strategy is determined according to the promotion strategy score.

11. A payment information processing method, characterized in that: Applied to user terminals, including: receiving a target payment channel sent by a target electronic device, and displaying the target payment channel, wherein the target payment channel is sent when the target electronic device does not receive target payment promotion information within a preset time after sending a payment promotion information acquisition request to a provider of the target payment channel; Receive the target payment promotion information sent by the target electronic device, and display the target payment promotion information, wherein the target payment promotion information is obtained after the target electronic device sends the payment promotion information acquisition request to the provider of the target payment channel again.

12. A payment information sending device, characterized in that: include: A promotion information acquisition module, used to send a payment promotion information acquisition request to a provider of a target payment channel, where the target payment channel is used to provide payment services for transactions between users and merchants; a payment channel display module, configured to send the target payment channel to a user terminal for display if the target payment promotion information is not received within a preset time after the payment promotion information acquisition request is sent; and The promotion information display module is used to send the payment promotion information acquisition request to the provider of the target payment channel again, and after receiving the target payment promotion information, send the target payment promotion information to the user terminal for display.

13. An electronic device, characterized in that: The method comprises at least one processor and a memory connected to the processor, wherein: The memory is used to store computer programs; The processor is used to execute the computer program so that the electronic device can implement the payment information sending method described in any one of claims 1 to 10, or the payment information processing method described in claim 11.

14. A computer storage medium, characterized in that: The storage medium carries one or more computer programs, which, when executed by an electronic device, enable the electronic device to implement the payment information sending method described in any one of claims 1 to 10, or the payment information processing method described in claim 11.

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