Payment information sending and processing method and related device

Abstract

The application discloses a payment information sending and processing method and related devices, and relates to the field of Internet. The method comprises the following steps: sending a payment promotion information acquisition request to a provider of a target payment channel by using a target electronic device. 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 the provider of the target payment channel is sent to a user terminal in advance for display, and is used for payment by the user. 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 for display. When the target payment promotion information of the provider of the target payment channel is not acquired in time, the payment channel is sent to the user terminal in advance for display and used for payment by the user. The transaction success rate is ensured, and the delivery success rate of the payment promotion information is improved.

Description

Technical Field

[0001] This application relates to the field of Internet technology, and in particular to a method and apparatus for sending and processing payment information. Background Technology

[0002] When making online payments, users can often choose from multiple payment channels on the payment page of the product provider (such as a webpage or application page). Different payment channels may be provided by different payment channel providers. To attract users to choose their payment channel, payment channel providers often send payment promotion information (such as payment discount information) to the product provider's server. The product provider's server then simultaneously sends the payment channel and the received payment promotion information to the payment page for display.

[0003] The inventors of this application have discovered that when a product provider's server is unable to receive valid payment promotion information due to some reason (such as incomplete payment promotion information caused by packet loss), the payment promotion information and its payment channels will not be displayed on the product provider's payment page, resulting in some payment channels being unavailable for users to select and use. Summary of the Invention

[0004] In view of the above problems, this application provides a method and related apparatus for sending and processing payment information, so as to improve the transaction success rate and the delivery rate of payment promotion information. The specific solution is as follows:

[0005] The first aspect of this application provides a method for sending payment information, applied to a target electronic device, the method comprising:

[0006] Send a request to the provider of the target payment channel to obtain payment promotion information, wherein 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 sending the payment promotion information acquisition request, the target payment channel will be sent to the user terminal for display.

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

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

[0010] If the target payment promotion information is not received within a preset time after sending the payment promotion information retrieval request, the first payment promotion information is retrieved, and a preset failure flag is added to the first payment promotion information. The preset failure flag is used to indicate that the first payment promotion information is invalid.

[0011] The target payment channel and the first payment promotion information with the preset invalidation identifier are sent to the user terminal so that the user terminal only displays the target payment channel.

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

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

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

[0015] In one 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 promotion information for the target payment channel, so that the user terminal displays the target payment promotion information in the associated area of ​​the target payment channel, where the associated area is an area on the payment page.

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

[0018] 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, wherein the first interface is different from the second interface.

[0019] In one possible implementation, before sending a request to the provider of the target payment channel for payment promotion information, the following steps are also included:

[0020] The target payment channel is determined based on the user's payment association information, which includes at least one of the following: the user's transaction data, the network status of the user's terminal, and the user's membership attributes.

[0021] In one possible implementation, determining the target payment channel based on the user's payment association information includes:

[0022] Based on at least one feature data contained in the target payment association information, the payment channel corresponding to each feature data is determined, and the target payment channel is selected from them. The target payment association information is the user's transaction data, the network status of the user's terminal, or the user's membership attributes.

[0023] In one possible implementation, determining the target payment channel based on the user's payment association information includes:

[0024] Based on at least one feature data contained in the target payment association information, the payment channel corresponding to each feature data is determined, and a candidate payment channel is selected from them. The target payment association information is at least two of the following: the user's transaction data, the network status of the user's terminal, and the user's membership attributes.

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

[0026] In one possible implementation, before sending a request to the provider of the target payment channel for payment promotion information, the following steps are also included:

[0027] Based on the user's transaction data, a target promotion strategy is determined, 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 that matches the target promotion strategy.

[0028] In one possible implementation, the targeted promotion strategy is determined based on the user's transaction data, including:

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

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

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

[0032] The system receives a target payment channel sent by a target electronic device and displays the target payment channel. The target payment channel is sent by the target electronic device after it sends a request to the provider of the target payment channel to obtain payment promotion information, and if it does not receive the target payment promotion information within a preset time.

[0033] The system receives target payment promotion information sent by the target electronic device and displays the target payment promotion information, which is obtained after the target electronic device sends a request to the provider of the target payment channel to obtain the payment promotion information.

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

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

[0036] The payment channel display module is used to send the target payment channel to the user terminal for display if no target payment promotion information is received within a preset time after sending the payment promotion information acquisition request; and,

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

[0038] A fourth aspect of this application provides an electronic device, including 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 configured to execute the computer program to enable the electronic device to implement the payment information sending method as described in the first aspect or any implementation thereof, or the payment information processing method as described in the second aspect.

[0041] The fifth aspect of this application provides a computer storage medium carrying one or more computer programs, which, when executed by an electronic device, enable the electronic device to implement the payment information sending method as described in the first aspect or any implementation thereof, or the payment information processing method as described in the second aspect.

[0042] By employing the above technical solution, the payment information sending method provided in this application sends a payment promotion information retrieval request to the provider of the target payment channel via the target electronic device. If the target payment promotion information is not received within a preset time after sending the request, the target payment channel of the provider is first sent to the user terminal for display and payment. Then, the payment promotion information retrieval request is sent again to the provider of the target payment channel, and upon receiving the target payment promotion information, it is then sent to the user terminal for display. This achieves the goal of prioritizing the display of the target payment channel on the user terminal for payment when the payment promotion information from the provider of the target payment channel is not obtained in a timely manner, thus ensuring the completion of the transaction payment. Simultaneously, the payment promotion information is retrieved again via the payment promotion information retrieval request to improve the success rate of payment promotion information delivery. Therefore, while ensuring the transaction success rate, the success rate of payment promotion information delivery is also improved. Attached Figure Description

[0043] The above and other features, advantages, and aspects of the embodiments of this disclosure will become more apparent from the accompanying drawings and the following detailed description. Throughout the drawings, the same or similar reference numerals denote 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 in this application;

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

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

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

[0048] Figure 5 Signaling flowchart for sending payment information provided in this application;

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

[0050] Figure 7 A structural diagram of the electronic device provided in this application. Detailed Implementation

[0051] The embodiments of this application are described below with reference to the accompanying drawings. The terminology used in the implementation section of this application is for explaining specific embodiments only and is not intended to limit the scope of this application.

[0052] The embodiments of this application will now be described with reference to the accompanying drawings. Those skilled in the art will recognize that, with technological advancements and the emergence of new scenarios, the technical solutions provided in the embodiments of this application are equally applicable to similar technical problems.

[0053] The terms "first," "second," etc., used in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such terms are interchangeable where appropriate; this is merely a way of distinguishing objects with the same attributes in the embodiments of this application. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion, so that a process, method, system, product, or apparatus that comprises a series of elements is not necessarily limited to those elements, but may include other elements not explicitly listed or inherent to those processes, methods, products, or apparatuses.

[0054] See Figure 1 , Figure 1 A schematic diagram of a payment information sending system architecture is shown. The system may include a terminal 100 and a server 200. The server 200 may include one or more servers (…). Figure 1 (The example includes a server). The server 200 can provide the payment information sending method provided in the embodiments of this application to one or more terminals.

[0055] The terminal 100 may have a transaction request initiation application installed on it. The application and the webpage can provide an interface. The terminal 100 can receive a transaction request initiated by the user on the transaction request processing interface and send the transaction request to the server 200. The server 200 can obtain the 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 on its own, without the need for the server to cooperate. This application embodiment is not limited to this.

[0057] The following description Figure 1 The product form of the mid-terminal 100;

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

[0059] Figure 2 A schematic diagram of an optional hardware structure for 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), a headphone jack 163 (optional), a processor 170, an external interface 180, a power supply 190, and other components. Those skilled in the art will understand that... Figure 2 These are merely examples of terminals or multi-functional devices and do not constitute a limitation on terminals or multi-functional devices. They may include more or fewer components than shown in the illustration, or combine certain components, or use different components.

[0061] The input unit 130 can be used to receive input numerical or character information, and to generate key signal inputs related to user settings and function control of the portable multi-functional device. Specifically, the input unit 130 may include a touchscreen 131 (optional) and / or other input devices 132. The touchscreen 131 can collect touch operations performed by the user on or near it (such as operations performed by the user using fingers, knuckles, styluses, or any suitable object on or near the touchscreen), and drive the corresponding connection devices according to a pre-set program. The touchscreen can detect the user's touch actions, convert the touch actions into touch signals and send them to the processor 170, and can receive and execute commands sent by the processor 170; the touch signal includes at least touch point coordinate information. The touchscreen 131 can provide an input interface and an output interface between the terminal 100 and the user. In addition, various types of touchscreens, such as resistive, capacitive, infrared, and surface acoustic wave, can be used to implement the touchscreen. Besides the touchscreen 131, the input unit 130 may also include other input devices. Specifically, other input devices 132 may include, but are not limited to, one or more of the following: physical keyboard, function keys (such as volume control buttons, power buttons, etc.), trackball, mouse, joystick, etc.

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

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

[0064] The memory 120 can be used to store instructions and data. The memory 120 may primarily include an instruction storage area and a data storage area. The data storage area can store various types of data, such as multimedia files and text. The instruction storage area can store software units such as operating systems, applications, and instructions required for at least one function, or subsets or extended sets thereof. It may also include non-volatile random access memory. It provides the processor 170 with hardware, software, and data resources for managing the computing device, supporting control software and applications. It is also used for storing multimedia files, as well as storing running programs and applications.

[0065] The processor 170 is the control center of the terminal 100. It connects various parts of the terminal 100 via various interfaces and lines. By running or executing instructions stored in the memory 120 and calling data stored in the memory 120, it performs various functions and processes data of the terminal 100, 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 handles the operating system, user interface, and applications, and the modem processor mainly handles wireless communication. It is understood that the modem processor may not be integrated into the processor 170. In some embodiments, the processor and memory can be implemented on a single chip; in some embodiments, they can also be implemented separately on independent chips. The processor 170 can also be used to generate corresponding operation control signals, send them to the corresponding components of the computing processing device, read and process data in the software, especially read and process data and programs in the memory 120, so that the various functional modules therein perform corresponding functions, thereby controlling the corresponding components to act according to the instructions.

[0066] The memory 120 can be used to store software code related to the payment information sending method, and 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 achieve the corresponding functions.

[0067] The radio frequency unit 110 (optional) can be used for receiving and transmitting signals during information transmission or calls. For example, it can receive downlink information from the base station and process it for the processor 170; additionally, it can transmit uplink data to the base station. Typically, the RF circuit includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low-noise amplifier (LNA), a duplexer, etc. Furthermore, the radio frequency unit 110 can also communicate wirelessly with network devices and other devices. This wireless communication can use any communication standard or protocol, including but not limited to Global System for Mobile communication (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Long Term Evolution (LTE), email, Short Messaging Service (SMS), etc.

[0068] In this embodiment of the application, the radio frequency unit 110 can send transaction request data to the server 200 and receive the processing results of payment channels 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 with other communication interfaces, such as a network port.

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

[0071] Terminal 100 also includes an external interface 180, which can be a standard Micro USB interface or a multi-pin connector, which can be used to connect terminal 100 to other devices for communication or to connect a charger to charge terminal 100.

[0072] Although not shown, terminal 100 may also include a flash, a wireless fidelity (WiFi) module, a Bluetooth module, sensors with various functions, etc., which will not be described in detail here. Some or all of the methods described below can be applied to, for example... Figure 2 In the terminal 100 shown.

[0073] The following description Figure 1 The product form of the mid-range server 200;

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

[0075] Bus 201 can be a Peripheral Component Interconnect (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of representation, Figure 3 The bus is represented by a single thick line, but this does not mean that there is only one bus or one type of bus.

[0076] The processor 202 can be any one or more of the following processors: central processing unit (CPU), graphics processing unit (GPU), microprocessor (MP), or digital signal processor (DSP).

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

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

[0079] It should be understood that the aforementioned terminal 100 and server 200 can be centralized or distributed devices. The processors (e.g., processor 170 and processor 202) in the aforementioned terminal 100 and server 200 can be hardware circuits (such as application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), general-purpose processors, digital signal processors (DSPs), microprocessors or microcontrollers, etc.) or combinations of these hardware circuits. For example, the processor can be a hardware system with instruction execution capabilities, such as a CPU or DSP, or a hardware system without instruction execution capabilities, such as an ASIC or FPGA, or a combination of the aforementioned hardware systems without instruction execution capabilities and hardware systems with instruction execution capabilities.

[0080] This application provides a method for sending payment information, which can be applied to electronic devices such as servers that have data processing and sending / receiving functions. The method for sending payment information according to this application embodiment will be described in detail below with reference to the accompanying drawings.

[0081] Reference Figure 4 , Figure 4 This application provides a flowchart illustrating a payment information sending method as an embodiment of the present application. Figure 4 As shown in the embodiment of this application, a method for sending payment information may include steps 401 to 403, which are described in detail below.

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

[0083] Specifically, a payment channel is the path through which funds transfer from the payer to the payee during a transaction, providing payment services for transactions between users and merchants. According to certain classification methods, payment channels can be various, such as: offline POS (Point of Sale) machine payments, online banking payments, third-party payment channels (such as Alipay, WeChat Pay, etc.), mobile banking payments, and Near Field Communication (NFC) payments. Of course, payment channels can also be classified in other ways, such as dividing them into online and offline payments, card-based and cardless payments, or password-based payments, facial recognition payments, and password-free payments.

[0084] In one optional implementation, this application may further divide one or more payment channels into more payment channels, such as: **Pay Pay is further divided into: **Pay Password-Free Payment and **Pay Installment Payment, etc.

[0085] Different payment channels can be provided by different or the same providers. For example, a provider may offer both Alipay and Near Field Communication (NFC) payment channels for users. The types of payment channel providers can include banks and non-bank payment companies, and this can be further subdivided; this application does not limit this.

[0086] In one optional implementation, the target payment channel can be one or more payment channels selected from a variety of payment channels based on user transaction data, member attributes, network conditions between the server and the payment channel provider, etc.

[0087] Step 401 can be executed after the target electronic device receives a payment request from the user terminal. The object of the payment request can be a physical item or a virtual item. Virtual items can be of various types, such as playback permission for a video, membership permission, ad-free permission, etc.

[0088] In step 401, a request to obtain payment promotion information may be 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 the server of the target payment channel.

[0089] The target electronic device can be a network-side device, such as a server for a shopping website or a server for a video playback website (which may offer membership purchase services, video playback permission purchase services, etc.).

[0090] Payment promotional information refers to the promotional information set up by payment channel providers to attract users to choose their payment channels, such as payment discount information. This promotional information can take many forms, including discounts, coupons, random instant reductions, and points rewards.

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

[0092] Step 402 may send the target payment channel to the user terminal for display if no target payment promotion information is received within a preset time after sending the payment promotion information acquisition request.

[0093] Specifically, considering that the network connection between the target electronic device and the electronic device of the target payment channel provider may be unstable, which may prevent the timely acquisition of target payment promotion information, if the target payment promotion information is not received from the provider after a preset time (such as tens of milliseconds) after sending the payment promotion information acquisition request, the target payment channel can be sent to the payment page of the user terminal for display, so that the target payment channel remains valid and available for the user to select and use.

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

[0095] The payment information of the target payment channel is sent to the user terminal. The payment information includes at least one of the following: the identifier of the payment channel, the description of the payment channel, the icon of the payment channel, and the payment parameters of the payment channel.

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

[0097] The payment channel identifier is the name or identifier of the payment channel, such as "a**pay" for Alipay and "we**at" for WeChat Pay. The description of the payment channel provides explanatory information to help users understand its features and usage. The payment channel icon in the payment information can be a link to an icon resource corresponding to the payment channel. When the user's terminal loads the payment page, this icon resource link will display the payment channel icon on the payment page. Payment parameters can be additional information related to the payment, such as parameters used to verify the validity of the payment request when subsequently calling the payment interface, for example: public account ID (appId), Unix timestamp (timeStamp), random string (nonceStr), order detail extended string (package), signature method (signType), signature (paySign), etc.

[0098] Optionally, if the target payment promotion information is received within a preset time after sending the payment promotion information retrieval request, both the target payment channel and the target payment promotion information can be sent to the user's terminal for display. In this way, the user's terminal will display the target payment channel and its promotional information, allowing the user to select and use the payment channel based on the promotional information.

[0099] 403. Send a request to the provider of the target payment channel to obtain payment promotion information 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 a preset time after sending the payment promotion information acquisition request, this application can 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] This payment information sending method ensures that even if the target payment channel's promotional information is not immediately available from the provider, the target payment channel is still displayed on the user's terminal, guaranteeing that the target payment channel can be selected and used by the user. Simultaneously, this application can again request and retrieve the target payment promotional information, and upon receiving it, send it to the user's terminal for display. The user's terminal can then display both the target payment channel and the promotional information. This application improves the success rate of payment promotional information delivery and increases the probability that the target payment channel will be selected and used by the user.

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

[0103] If the target payment promotion information is not received within a preset time after sending the payment promotion information retrieval request, the first payment promotion information is retrieved, and a preset failure flag is added to the first payment promotion information. The preset failure flag is used to indicate that the first payment promotion information is invalid.

[0104] The target payment channel and the first payment promotion information with the preset invalidation identifier are sent to the user terminal so that the user terminal only displays the target payment channel.

[0105] Because a preset invalidation flag has been added to the First Payment promotion information, the First Payment promotion information will not be displayed on the user terminal when loading the payment page, regardless of whether the First Payment promotion information is empty or what kind of promotion content it includes. This achieves the goal 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 message for the target payment channel;

[0108] Alternatively, you can search for FirstPay promotional information corresponding to the target payment channel.

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

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

[0111] In one optional implementation, step 402 can send the target payment channel as an optional payment channel on the payment page to the user terminal. In many scenarios, the payment page can display multiple payment channels for the user to choose from. The target payment channel sent in step 402 can 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 one optional embodiment, another specific implementation of step 402 above includes:

[0113] If the target payment promotion information is not received within a preset time after sending the payment promotion information retrieval request, the target payment channel and the 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. In one key-value pair, the key 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. In the other key-value pair, the key is the identifier of payment promotion information, such as "promotion," and the value is empty.

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

[0116] It is understood that those skilled in the art can also use other methods to achieve the separate display of the aforementioned 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 step 403 above may specifically include:

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

[0119] The aforementioned sending the target payment promotion information as the target payment channel's promotion information to the user terminal can be specifically described as sending the target payment promotion information and the target payment channel's identifier together to the user terminal.

[0120] In this way, the user's 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, this application can control the user terminal to refresh the payment page in order to also display the target payment promotion information on the user terminal. When the user terminal refreshes the payment page, it will reload the payment page based on 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 simultaneously display the target payment channel and the target payment promotion information, achieving complete information display. Users can select and use the target payment channel based on the target payment promotion information.

[0122] Of course, in another optional implementation, this application can also avoid page refresh and only refresh the display controls. It is understood that there can be multiple display controls on a page, and different controls can display different content. This application can refresh only the controls used to display the target payment promotion information, thus displaying the target payment promotion information. Since refreshing only one or more controls is faster than refreshing the entire page, this method also improves the refresh speed, allowing the target payment promotion information to be displayed on the user's terminal more quickly.

[0123] In some specific embodiments, steps 401 and 403 above can send payment promotion information acquisition requests through different interfaces. For example, step 401 sends a 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, wherein the first interface and the second interface are different.

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

[0125] The aggregation interface is used to send various types of information, including requests to obtain payment promotion information, while the promotion information query interface is specifically designed for sending such requests. Since the aggregation interface needs to send a large amount of information, a prolonged wait after sending the payment promotion information request may affect the sending and / or receiving of other information. To avoid this, this application sets a preset time. If the aggregation interface does not receive the target payment promotion information within this preset time after sending the payment promotion information request, it can proceed with sending and receiving other information without waiting for the target payment promotion information. Furthermore, this application uses a dedicated promotion information query interface to resend the payment promotion information request, thus eliminating the need for the aggregation interface to resend the request and further reducing the impact on the sending and receiving of other information. In an optional implementation, after sending the payment promotion information request through the promotion information query interface, a preset time can also be set. This preset time for the promotion information query interface can be greater than the preset time used in step 402.

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

[0127] The target payment channel is determined based on the user's payment association information, which includes at least one of the following: the user's transaction data, the network status of the user's terminal, and the user's membership attributes.

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

[0129] The classification model can be constructed using a mean clustering algorithm, such as K-means clustering for user type identification. The required historical transaction data for the user groups may include: transaction amount, transaction frequency, payment channel, and time. The following describes the construction process of the preset classification model using transaction amount, transaction frequency, payment channel, and transaction time as cluster centers. The construction process of the preset classification model may include steps one through four.

[0130] Step 1: Preprocess historical transaction data:

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

[0132] Data cleaning removes missing, duplicate, and outlier values ​​from collected historical transaction data. Data transformation converts categorical data into numerical data (e.g., payment channel identifiers, which are categorical, can be converted into numerical values ​​such as 0, 1, 2, etc.), making them suitable for machine learning algorithms. Data standardization normalizes or standardizes data, ensuring all feature values ​​are on the same scale and preventing certain features from having an unbalanced impact on clustering results.

[0133] Step 2: Feature Selection and Engineering

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

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

[0136] Step 3: Model Training

[0137] Training the K-means model: Train a K-means clustering model using a selected K value to determine the centroid of each cluster. The K value represents the number of cluster centers, i.e., the number of categories. Here, K can be set to 3, dividing users into three types according to their activity level: highly active users, moderately active users, and low-active users. Then, select a data point for each cluster center. This data point includes the values ​​of the four data points mentioned above: transaction amount, transaction frequency, payment channel, and transaction time. Clustering is then performed based on the distances (Euclidean distance, Manhattan distance, etc.) from other data points to this data point.

[0138] Predicting cluster labels: Assign each data point to the nearest cluster center to obtain a 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 selected data point until the obtained cluster centers no longer change significantly, thus obtaining a trained K-means model.

[0139] Step 4: Model Evaluation

[0140] Silhouette coefficient: The silhouette coefficient of the clusters 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] Intra-cluster sum of squared errors (WCSS): This evaluates the distance from data points within a cluster to the cluster center after clustering historical transaction data 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 this preset classification model, the user type is determined as: highly active user, moderately active user, or lowly active user. The activity level of these three user types can be determined by the transaction amount and frequency, the distribution of 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: 24 / 7; corresponding promotional strategies may include: providing exclusive offers and membership activities to enhance user loyalty.

[0144] Moderately active users: Transaction amount: moderate; Transaction frequency: moderate; Payment channel: mainly bank card payment; Transaction time: mainly at night; Corresponding promotional 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 uses the payment channel built into the shopping app; Transaction time: occasional transactions; Corresponding promotional strategies may include: attracting users and increasing activity through instant discounts on payments.

[0146] It is understood that those skilled in the art can select and adjust the type of the above classification model as needed, and reselect the user type, without any restrictions.

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

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

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

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

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

[0152] Transaction frequency: If users frequently make small payments, then application payment is more suitable.

[0153] Product type: Some products may require installment payments; using a credit card or installment payment service may be more suitable.

[0154] When selecting a target payment channel, you can choose the payment channel with the most frequent transactions as the target payment channel. Alternatively, you can determine the most important payment channel as the target payment channel based on its importance. There are no restrictions on the selection method for the target payment channel.

[0155] User membership attributes include three characteristics: credit score, membership level, and user preferences.

[0156] Credit Score: If a user has a high credit score, it can be recommended to use a credit card for payment or to open an installment payment service.

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

[0158] User preferences: Based on the user's payment history, the user's most frequently used payment channels are identified.

[0159] The network status of a user terminal can include two characteristics: low network speed (e.g., below 500kbps) and high network speed (not lower than 500kbps). In cases of low network speed, it is recommended to use payment channels that can reliably complete the transaction at low speeds, such as bank card payments or application password payments. In cases of high network speed, application-based password-free payments are more suitable. In some situations, multiple payment channels may be identified; these can be displayed in a preset order.

[0160] When determining the target payment channel based on any two or three of the user's transaction data, the user's terminal network status, and the user's membership attributes, the payment channel corresponding to each feature data can be determined based on at least one feature data contained in the target payment association information. Candidate payment channels are then selected from these features. The target payment association information comprises at least two of the user's transaction data, the user's terminal network status, and the user's membership attributes. Finally, the target payment channel is determined based on the score of each candidate payment channel.

[0161] Specifically, taking the user's transaction data, the user's terminal network status, and the user's membership attributes as examples, the determination of the target payment channel is based on all three types of information:

[0162] Based on the characteristic data of each type of payment association information to determine the candidate payment channels, each candidate payment channel is scored according to the scoring rules, and then the candidate payment channel with the highest score is selected as the target payment channel.

[0163] The process of determining 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 target payment promotion information that matches the target promotion strategy.

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

[0165] The target promotion strategy can be determined by weighting and fusing the scores of the promotion strategies according to the weight of each transaction feature data, based on the scores of the promotion strategies corresponding to each transaction feature data.

[0166] For example, regarding transaction frequency: a user made 20 transactions in the past month, averaging one transaction every 1-2 days. The corresponding promotional strategy: for high-frequency traders, recommend cumulative transaction cashback or monthly spending rewards such as coupons.

[0167] For transaction amounts: Users whose individual transactions exceed 500 yuan and whose total transaction amount in the past month reaches 10,000 yuan. Corresponding promotional strategy: For users making large transactions, recommend high-amount cashback, installment payment discounts, or large-amount spending reward points.

[0168] Regarding transaction time: Users typically shop between 8 PM and 10 PM. Corresponding promotional strategy: Offer limited-time coupons or cashback promotions during peak user activity periods to increase user willingness to make transactions during those times.

[0169] For transaction categories: users primarily purchase electronics and home appliances. Corresponding promotional strategies: offer exclusive coupons or double points promotions for electronics to attract users to buy related products.

[0170] Regarding payment channel preference: Users primarily use credit cards for most transactions. Corresponding promotional strategies: Offer exclusive cashback or points rewards for credit card payments to encourage users to continue using their preferred payment channels.

[0171] By combining the above indicators and assigning different weights, a weighted average score is calculated to create a personalized strategy.

[0172] If the score is >0.8, we recommend high-value vouchers; if the score is >0.5, we recommend points rewards or instant point discounts; otherwise, we recommend limited-time promotions.

[0173] It is understood that those skilled in the art can adjust the process for determining the above-mentioned promotion strategy as needed, and no restrictions are imposed here.

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

[0175] Interaction Process 1: User initiates transaction: The user initiates a transaction request on the user terminal, and the front-end system receives the transaction request.

[0176] Interaction Flow 2: Front-end system processes requests: The front-end system receives the user's transaction request and displays available payment channels.

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

[0178] Interaction Process 4: Real-time Analysis by the Mid-Platform System: The mid-platform system calls the real-time analysis and dynamic switching module to analyze users' 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 providing payment promotion information is not currently appropriate, this capability will be automatically disabled.

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

[0181] Interaction Process 7: Backend System Calls Payment Enterprise API (Interface): The backend system connects to the payment enterprise API to obtain payment channels and payment promotion information corresponding to payment promotion strategies.

[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 platform system: The backend system transmits the payment promotion information to the middle platform system.

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

[0185] Interaction Process 11: Front-end system displays 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 transaction: The user selects a payment channel and completes the transaction.

[0187] Interaction Process 13, Result Feedback: The front-end system will provide the transaction results to the user and send the result data to the middle platform system for recording and analysis.

[0188] As can be seen from the above, this payment information sending method, by introducing big data analysis and real-time analysis of the transaction environment into the transaction system, dynamically selects and switches suitable payment channels and personalizes payment promotion information recommendations based on different transaction situations, member attributes, and network conditions. It also supports synchronous-to-asynchronous switching capabilities; if it is identified that providing payment promotion information is currently inappropriate, it will then recommend payment promotion information asynchronously. This ensures payment success while improving member conversion rates, increasing transaction success rates, and boosting business revenue.

[0189] Based on the same design concept, embodiments of this application also provide a payment information processing method, applied to a user terminal, including:

[0190] 501. Receive the target payment channel sent by the target electronic device and display the target payment channel. The target payment channel is sent by the target electronic device after it sends a request to the provider of the target payment channel to obtain payment promotion information, and fails to 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 this payment information processing method can be referred to the implementation method of the payment information sending method described above, and will not be repeated here.

[0193] The above describes a payment information sending method provided by the embodiments of this application. The following will describe the apparatus for performing the above payment information sending method.

[0194] Please see Figure 6 , Figure 6 This is a schematic diagram of a payment information sending device provided in an embodiment of this 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, which 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 no target payment promotion information is received within a preset time after sending a payment promotion information retrieval request. Also,

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

[0198] In one possible implementation, the process by which the promotional 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 sending the payment promotion information retrieval request, the first payment promotion information is retrieved and a preset failure flag is added to the first payment promotion information. The preset failure flag is used to indicate that the first payment promotion information is invalid.

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

[0201] In one possible implementation, the process by which the promotional information display module 603 obtains the first payment promotional information includes:

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

[0203] Alternatively, you can search for FirstPay promotional information corresponding to the target payment channel.

[0204] In one possible implementation, the process by which the promotional information display module 603 sends the target payment promotional information to the user terminal for display includes:

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

[0206] In one 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 a payment promotion information acquisition request to the provider of the target payment channel through a first interface;

[0207] Send a request to the provider of the target payment channel to obtain payment promotion information again, including: sending a request to the provider of the target payment channel to obtain payment promotion information again through a second interface, wherein the first interface is different from the second interface.

[0208] In one possible implementation, it also includes: a payment channel determination module, used before sending a payment promotion information acquisition request to the provider of the target payment channel:

[0209] The target payment channel is determined based on the user's payment association information, which includes at least one of the following: the user's transaction data, the network status of the user's terminal, and the user's membership attributes.

[0210] In one possible implementation, the process by which the payment channel determination module determines the target payment channel based on the user's payment association information includes:

[0211] Based on at least one feature data contained in the target payment association information, determine the payment channel corresponding to each feature data, and select the target payment channel from them. The target payment association information is the user's transaction data, the network status of the user's terminal, or the user's membership attributes.

[0212] In one possible implementation, the process by which the payment channel determination module determines the target payment channel based on the user's payment association information includes:

[0213] Based on at least one feature data contained in the target payment association information, determine the payment channel corresponding to each feature data, and select candidate payment channels from them. The target payment association information includes at least two of the following: user transaction data, user terminal network status, and user membership attributes.

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

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

[0216] The target promotion strategy is determined based on the user's transaction data. 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 one possible implementation, the process by which the promotion information acquisition module 601 determines the target promotion strategy based on the user's transaction data includes:

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

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

[0220] This application also provides an electronic device in its embodiments. (See reference...) Figure 7 The diagram illustrates a structural schematic suitable for implementing the electronic device in the embodiments of this application. The electronic device in the embodiments of this 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 impose any limitation on the functionality and scope of use of the embodiments of this application.

[0221] like Figure 7 As shown, the electronic device may include a processing unit (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 into a random access memory (RAM) 703. When the electronic device is powered on, the RAM 703 also stores various programs and data required for the operation of the electronic device. The processing unit 701, ROM 702, and RAM 703 are interconnected via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0222] Typically, the following devices can be connected to I / O interface 705: input devices 706 including, for example, touchscreens, touchpads, keyboards, mice, cameras, microphones, accelerometers, gyroscopes, etc.; output devices 707 including, for example, liquid crystal displays (LCDs), speakers, vibrators, etc.; storage devices 708 including, for example, memory cards, hard drives, etc.; and communication devices 709. Communication device 709 allows electronic devices to communicate wirelessly or wiredly with other devices to exchange data. Although Figure 7Electronic devices with various devices are shown, but it should be understood that it is not required to implement or have all of the devices shown. More or fewer devices may be implemented or have instead.

[0223] This application also provides a computer program product including computer-readable instructions. When the computer-readable instructions are run on an electronic device, the electronic device causes the electronic device to implement any of the payment information sending methods or payment information processing methods provided in this application.

[0224] This application also provides a computer-readable storage medium that 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 of the payment information sending methods or payment information processing methods provided in this application.

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

[0226] It should also be noted that the device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple network units. Some or all of the modules can be selected to achieve the purpose of this embodiment according to actual needs. In addition, in the device embodiment drawings provided in this application, the connection relationship between modules indicates that they have a communication connection, which can be implemented as one or more communication buses or signal lines.

[0227] Through the above description of the embodiments, those skilled in the art can clearly understand that this application can be implemented by means of software plus necessary general-purpose hardware, or it can be implemented by special-purpose hardware including application-specific integrated circuits, special-purpose CPUs, special-purpose memory, special-purpose components, etc. Generally, any function performed by a computer program can be easily implemented by corresponding hardware, and the specific hardware structure used to implement the same function can also be diverse, such as analog circuits, digital circuits, or special-purpose circuits. However, for this application, software program implementation is more often the preferred implementation method. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a readable storage medium, such as a computer floppy disk, USB flash drive, mobile hard disk, ROM, RAM, magnetic disk, or optical disk, etc., and includes several instructions to cause a computer device (which may be a personal computer, training equipment, or network device, etc.) to execute the methods described in the various embodiments of this application.

[0228] In the above embodiments, implementation can be achieved, in whole or in part, through software, hardware, firmware, or any combination thereof. When implemented in software, it can be implemented, in whole or in part, as 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, all or part of the processes or functions described in the embodiments of this application are generated. The computer may be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions may be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions may be transmitted from one website, computer, training device, or data center to another website, computer, training device, or data center via wired (e.g., coaxial cable, fiber optic, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means. 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 or data center that integrates one or more available media. The available media may be magnetic media (e.g., floppy disks, hard disks, magnetic tapes), optical media (e.g., DVDs), or semiconductor media (e.g., solid-state drives (SSDs)).

Claims

1. A method for sending payment information, characterized in that, Applied to a target electronic device, the method includes: Send a request to the provider of the target payment channel to obtain payment promotion information, wherein 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 sending the payment promotion information acquisition request, the target payment channel will be sent to the user terminal for display. The system sends the payment promotion information acquisition request to the provider of the target payment channel again, and after receiving the target payment promotion information, sends the target payment promotion information to the user terminal for display.

2. The payment information sending method according to claim 1, characterized in that, 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 sending the payment promotion information retrieval request, the first payment promotion information is retrieved, and a preset failure flag is added to the first payment promotion information. The preset failure flag is used to indicate that the first payment promotion information is invalid. The target payment channel and the first payment promotion information with the preset invalidation identifier are sent to the 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 acquisition of the first payment promotion information includes: Set the first payment promotion information for the target payment channel; Alternatively, query the first payment promotion information corresponding to the target payment channel.

4. The payment information sending method according to any one of claims 1-3, characterized in that, 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 promotion information for the target payment channel, so that the user terminal displays the target payment promotion information in the associated area of ​​the target payment channel, where the associated area is an area on the payment page.

5. The payment information sending method according to claim 1, characterized in that, Sending a request to the provider of the target payment channel to obtain payment promotion information includes: sending a request to the provider of the target payment channel to obtain payment promotion information through a first interface; 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, wherein 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 request to the provider of the target payment channel for payment promotion information, the process also includes: The target payment channel is determined based on the user's payment association information, which includes at least one of the following: the user's transaction data, the network status of the user's 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 based on the user's payment association information includes: Based on at least one feature data contained in the target payment association information, the payment channel corresponding to each feature data is determined, and the target payment channel is selected from them. The target payment association information is the user's transaction data, the network status of the user's terminal, or the user's membership attributes.

8. The payment information sending method according to claim 6, characterized in that, Determining the target payment channel based on the user's payment association information includes: Based on at least one feature data contained in the target payment association information, the payment channel corresponding to each feature data is determined, and a candidate payment channel is selected from them. The target payment association information is at least two of the following: the user's transaction data, the network status of the user's terminal, and the user's membership attributes. The target payment channel is determined based on 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 request to the provider of the target payment channel for payment promotion information, the process also includes: Based on the user's transaction data, a target promotion strategy is determined, 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 that matches the target promotion strategy.

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

11. A payment information processing method, characterized in that, Applied to user terminals, including: The system receives a target payment channel sent by a target electronic device and displays the target payment channel. The target payment channel is sent by the target electronic device after it sends a request to the provider of the target payment channel to obtain payment promotion information, and if it does not receive the target payment promotion information within a preset time. The system receives target payment promotion information sent by the target electronic device and displays the target payment promotion information, which is obtained after the target electronic device sends a request to the provider of the target payment channel to obtain the payment promotion information.

12. A payment information sending device, characterized in that, include: The promotion information acquisition module is used to send a payment promotion information acquisition request to the provider of the target payment channel, which is used to provide payment services for transactions between users and merchants; The payment channel display module is used to send the target payment channel to the user terminal for display if no target payment promotion information is received within a preset time after sending the payment promotion information acquisition request; and, The promotional information display module is used to send the payment promotional information acquisition request to the provider of the target payment channel again, and after receiving the target payment promotional information, send the target payment promotional information to the user terminal for display.

13. An electronic device, characterized in that, It includes 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 as described in any one of claims 1 to 10, or the payment information processing method as 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 as described in any one of claims 1 to 10, or the payment information processing method as described in claim 11.

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