Payment code display method, payment device and electronic device

Abstract

The embodiment of the invention provides a payment code display method, payment equipment and electronic equipment. The payment code display method comprises the steps that payment equipment scans a graphic code set for collection equipment, and the graphic code comprises information of at least one code system supported by the collection equipment; and the payment device determines a target code system from at least one code system supported by the collection device indicated by the graphic code. The payment device displays the payment code of the target code system, and the payment code is used for payment to the collection device.

Description

Technical Field

[0001] This document relates to the technical field of data processing, and in particular, to a payment code display method, a payment device, and an electronic device. Background Art

[0002] In the application scenario of payment code payment, there are a large number of types of e-wallets supported by the receiving device, and the code systems provided by these e-wallets are also different. For the payer, due to not knowing the code system supported by the receiving device, if the payment code payment is not made by artificially selecting the code system supported by the receiving device, the success rate of payment is relatively low, resulting in a poor user experience.

[0003] In view of this, how to intelligently select the code system supported by the receiving device for payment code payment is a technical problem that urgently needs to be solved at present. Summary of the Invention

[0004] The purpose of the embodiments of this specification is to provide a payment code display method, a payment device, and an electronic device, which can assist the payment device to intelligently select the code system supported by the receiving device for payment code payment, thereby improving the payment success rate.

[0005] To achieve the above object, the embodiments of this specification are implemented as follows:

[0006] In a first aspect, a payment code display method is provided, including:

[0007] The payment device scans a graphic code set for the receiving device, and the graphic code contains information of at least one code system supported by the receiving device;

[0008] The payment device determines a target code system from at least one code system supported by the receiving device indicated by the graphic code;

[0009] The payment device displays a payment code of the target code system, where the payment code is used to make a payment to the receiving device.

[0010] In a second aspect, a payment device is provided, including:

[0011] A graphic code scanning module that scans a graphic code set for the receiving device, and the graphic code contains information of at least one code system supported by the receiving device;

[0012] A code system selection module that determines a target code system from the at least one code system supported by the receiving device;

[0013] A graphic code display module that displays a payment code of the target code system, where the payment code is used to make a payment to the receiving device.

[0014] In a third aspect, an electronic device is provided, including: a memory, a processor, and a computer program stored on the memory and executable on the processor, where the computer program is executed by the processor:

[0015] In a fourth aspect, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0016] Scan a graphic code set for the payment device, where the graphic code contains information of at least one code system supported by the payment device;

[0017] Determine a target code system from at least one code system supported by the payment device indicated by the graphic code;

[0018] Display a payment code of the target code system, where the payment code is used to make a payment to the payment device.

[0019] Based on the solution of the embodiments of this specification, the payment device displays the supported code systems through a graphic code to the payment device. After scanning, the payment device selects a code system supported by the payment device based on the graphic code to generate a payment code, so as to ensure that the payment device can successfully settle the account. Obviously, this can ensure that the user can successfully make a payment once, thus improving the user experience and having higher practical value. Description of the Drawings

[0020] In order to more clearly illustrate the technical solutions in the embodiments of this specification or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments recorded in the embodiments of this specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0021] Figure 1 It is a schematic flowchart of the payment code display method provided by the embodiments of this specification.

[0022] Figure 2 It is a specific schematic flowchart of the payment code display method provided by the embodiments of this specification in Application Scenario 1.

[0023] Figure 3 It is a specific schematic flowchart of the payment code display method provided by the embodiments of this specification in Application Scenario 2.

[0024] Figure 4 It is a specific schematic flowchart of the payment code display method provided by the embodiments of this specification in Application Scenario 3.

[0025] Figure 5Schematic diagram of the payment device for the method provided in the embodiments of this specification.

[0026] Figure 6 Schematic diagram of the electronic device provided in the embodiments of this specification. Detailed implementation manners

[0027] In order to enable those skilled in the art to better understand the technical solutions in this specification, the following will clearly and completely describe the technical solutions in the embodiments of this specification with reference to the accompanying drawings in the embodiments of this specification. Obviously, the described embodiments are only a part of the embodiments of this specification, rather than all the embodiments. Based on the embodiments in this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this specification.

[0028] As mentioned above, in the application scenario of payment code payment, there are a large number of types of e-wallets supported by the receiving device, and the code systems provided by these e-wallets are also different. For the payer, due to not knowing the code systems supported by the receiving device, if the payer does not manually select the code system supported by the receiving device for payment code payment, the success rate of payment is relatively low, resulting in a poor user experience. Therefore, this document aims to provide a technical solution that can assist the payment device to intelligently select the code system supported by the receiving device for payment code payment.

[0029] Figure 1 It is a flowchart of the payment code display method in the embodiments of this specification. Figure 1 The method shown can be executed by the corresponding device below, including:

[0030] Step S102, the payment device scans the graphic code set for the receiving device, and the graphic code contains information of at least one code system supported by the receiving device.

[0031] Among them, the payment device can be, but is not limited to, the personal terminal device of the payer, such as a mobile phone, a smart bracelet or a smart watch, etc.; the receiving device can be, but is not limited to, the checkout terminal of the payee, such as a vending machine, a POS machine, etc.; the graphic code can be a two-dimensional code, a bar code, etc.; the code system of the graphic code is the encoding requirement of the graphic code, and different code systems correspond to different circuit recognition methods.

[0032] In the solution of the embodiments of this specification, the graphic code can be displayed by the receiving device or provided by the user of the receiving device, and no specific limitation is made here.

[0033] Step S104, the payment device determines the target code system from at least one code system supported by the receiving device indicated by the graphic code.

[0034] In the embodiments of this specification, the payment device can select a target code system from at least one code system supported by the receiving device according to its own preference.

[0035] For example, the payment device can select the most recently used one as the target code system from at least one code system indicated by the graphic code and supported by the receiving device based on the payment records of the payment device.

[0036] For another example, the payment device selects the one with the highest usage frequency as the target code system from at least one code system indicated by the graphic code and supported by the receiving device based on the payment records of the payment device.

[0037] Alternatively, the payment device can select a target code system from at least one code system supported by the receiving device according to the requirements of the payment system.

[0038] For example, the graphic code only contains a unique code system determined by the receiving device from the supported code systems, and the unique code system can be an optimal result determined based on the e-wallet policy of the payment system of the receiving device.

[0039] For another example, the graphic code contains information on multiple code systems supported by the receiving device and their corresponding priorities, where the priorities of the multiple code systems can be determined based on the e-wallet policy of the payment system. The payment device needs to select one as the target code system from the multiple code systems supported by the receiving device indicated by the graphic code according to the priority of the code system (other strategies for determining the target code system can also be combined, which will not be elaborated with examples here).

[0040] Step S106, the payment device displays a payment code of the target code system, where the payment code is used to make a payment to the receiving device.

[0041] It should be understood that when the receiving device scans the payment code displayed by the payment device, the payment settlement is completed.

[0042] Based on Figure 1 As can be known from the method shown above, in the solution of the embodiments of this specification, the receiving device displays the supported code systems to the payment device through a graphic code. After the support device scans it, it selects a code system supported by the receiving device based on the graphic code to generate a payment code, so as to ensure that the receiving device can successfully settle the payment, thereby bringing a better user experience, and thus has high practical value.

[0043] Next, the payment code display method of the embodiments of this specification will be introduced in detail in combination with different application scenarios.

[0044] Application Scenario 1

[0045] In this Application Scenario 1, the payment device is the consumer's personal terminal, and the receiving device is the merchant POS machine. Correspondingly, referring toFigure 2 For a consumer to purchase goods from a merchant, the payment process includes the following steps:

[0046] Step S201: The merchant's operator sets the code systems supported by the merchant in the payment system, and the payment system generates a graphic code indicating at least one code system supported by the merchant.

[0047] It should be understood that in the subsequent process, if the merchant's operator subsequently changes the supported code systems, the payment system can be requested to update the graphic again. That is to say, the code systems supported by the merchant can be dynamically configured.

[0048] Step S202: The merchant's operator prints the graphic code generated by the payment system and pastes it in the merchant's store.

[0049] Step S203: When shopping, the consumer scans the graphic code in the merchant's store through the personal terminal.

[0050] Step S204: The consumer's personal terminal analyzes the graphic code, obtains the code systems supported by the merchant, and based on the historical payment records, selects the most frequently used or the most recently used code system as the target code system.

[0051] Step S205: The consumer's personal terminal generates and displays a payment code based on the target code system.

[0052] Step S206: The merchant uses the POS machine to scan the payment code displayed on the consumer's personal terminal to complete the payment settlement.

[0053] Application Scenario 2

[0054] In this Application Scenario 2, the payment device is the consumer's personal terminal, and the receiving device is the merchant's POS machine. Correspondingly, Figure 3 for a consumer to purchase goods from a merchant, the payment process includes the following steps:

[0055] Step S301: The merchant's operator sets the code systems supported by the merchant in the payment system. The payment system directly selects the target code system from the code systems supported by the merchant based on the e-wallet policy and generates a graphic code supporting the target code system.

[0056] Among them, the embodiments of this specification do not specifically limit the e-wallet policy. As an exemplary introduction, the payment system can select a code system with preferential rights and interests from the code systems supported by the merchant according to the e-wallet policy, and use the code system with preferential rights and interests as the target code system.

[0057] In addition, in the subsequent process, if the merchant's operator subsequently changes the supported code systems, the payment system can be requested to update the graphic again. That is to say, the code systems supported by the merchant can be dynamically configured.

[0058] Step S302: When the merchant's operator conducts the shopping settlement for the consumer, the POS machine is used to display the graphic code generated by the payment system.

[0059] Step S303: The consumer scans the graphic code displayed on the POS machine through the personal terminal.

[0060] Step S304: The consumer's personal terminal analyzes the graphic code to obtain the target code system provided by the payment system.

[0061] Step S305: The consumer's personal terminal generates and displays the payment code based on the target code system.

[0062] Step S306: The merchant uses the POS machine to scan the payment code displayed on the consumer's personal terminal to complete the payment settlement.

[0063] Application Scenario Three

[0064] In this Application Scenario Three, the payment device is the consumer's personal terminal, and the receiving device is the merchant's POS machine. Correspondingly, referring to Figure 4 , the payment process required for the consumer to purchase goods from the merchant includes the following steps:

[0065] Step S401: The merchant's operator sets the code systems supported by the merchant in the payment system. The payment system, based on the e-wallet policy, determines the priority for the code systems supported by the merchant and generates a graphic code indicating the code systems supported by the merchant and their corresponding priorities.

[0066] Among them, the embodiments of this specification do not specifically limit the e-wallet policy. As an exemplary introduction, the payment system can, according to the e-wallet policy, first determine whether the e-wallet provides preferential rights and interests for the code systems supported by the merchant, and determine the corresponding priorities based on the preferential rights and interests of the code systems. For example, the greater the preferential rights and interests of the code system, the higher the priority, and the smaller the priority of the code system, the lower the corresponding priority.

[0067] In addition, in the subsequent process, if the merchant's operator changes the supported code systems later, the payment system can be requested to update the graphic again. That is to say, the code systems supported by the merchant can be dynamically configured.

[0068] Step S402: When the merchant's operator conducts the shopping settlement for the consumer, the POS machine is used to display the graphic code generated by the payment system.

[0069] Step S403: The consumer scans the graphic code displayed on the POS machine through the personal terminal.

[0070] Step S404: The consumer's personal terminal parses the graphic code, obtains the code systems supported by the merchant and the corresponding priority graphic codes, and selects the code system with the highest priority as the target code system from them.

[0071] Step S405: The consumer's personal terminal generates and displays a payment code based on the target code system.

[0072] Step S406: The merchant uses the POS machine to scan the payment code displayed on the consumer's personal terminal to complete the payment settlement.

[0073] The above is the introduction of the method of the embodiments of this specification. It should be understood that on the basis of not departing from the above principles of this article, appropriate changes can also be made, and these changes should also be regarded as the protection scope of the embodiments of this specification.

[0074] Correspondingly to the above method, as Figure 5 shown, the embodiments of this specification also provide a payment device 500, including:

[0075] A graphic code scanning module 510 that scans the graphic code set for the receiving device, and the graphic code contains information of at least one code system supported by the receiving device;

[0076] A code system selection module 520 that determines a target code system from the at least one code system supported by the receiving device;

[0077] A graphic code display module 530 that displays the payment code of the target code system, where the payment code is used to make a payment to the receiving device.

[0078] Based on Figure 5 the shown payment device, it can be known that in the solution of the embodiments of this specification, the receiving device displays the supported code systems to the payment device through the graphic code. After the support device scans, it selects a code system supported by the receiving device based on the graphic code to generate a payment code, so as to ensure that the receiving device can successfully settle the account, and thus bring a better user experience. Therefore, it has high practical value.

[0079] Optionally, when the code system selection module 520 executes, it specifically selects the one with the highest usage frequency as the target code system from the at least one code system supported by the receiving device indicated by the graphic code based on the payment record of the payment device.

[0080] Alternatively, when the code system selection module 520 executes, it specifically selects the most recently used one as the target code system from the at least one code system supported by the receiving device indicated by the graphic code based on the payment record of the payment device.

[0081] Optionally, the graphic code includes a unique code system determined by the payment device from the supported code systems. Among them, the unique code system may be determined based on the e-wallet strategy of the payment system of the payment device. Correspondingly, when the code system selection module 520 executes, it may directly determine the unique supported code system of the payment device indicated by the graphic code as the target code system.

[0082] Optionally, the graphic code includes information on multiple code systems supported by the payment device and their corresponding priorities. When the code system selection module 520 executes, it may select one of the multiple code systems supported by the payment device indicated by the graphic code as the target code system according to the priority of the code system. Among them, the priorities of the multiple code systems supported by the payment device may be determined based on the e-wallet strategy of the payment system.

[0083] Optionally, the graphic code is generated by the payment system by setting at least one code system supported by the payment device in the payment system.

[0084] Optionally, the graphic code is displayed by the payment device or provided by the user of the payment device.

[0085] Obviously, the payment device in the embodiments of this specification can be used as the execution subject of the payment code display method shown above. Therefore, this payment device can implement the functions achieved by the method. Since the principle is the same, it will not be elaborated here. Figure 1 As shown, and thus this payment device can implement the functions achieved by the method. Since the principle is the same, it will not be elaborated here. Figures 1 to 4 Since the principle is the same, it will not be elaborated here.

[0086] Figure 6 This is a schematic structural diagram of an electronic device according to an embodiment of this specification. Please refer to Figure 6 . At the hardware level, this electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. Among them, the memory may include a memory, such as a high-speed random access memory (Random-Access Memory, RAM), and may also include a non-volatile memory, such as at least one disk memory, etc. Of course, this electronic device may also include other hardware required for other scenarios.

[0087] The processor, network interface, and memory can be interconnected via an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, etc. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 3 only a bidirectional arrow is used in

[0088] Memory, used to store programs. Specifically, the program can include program code, and the program code includes computer operation instructions. The memory can include a memory and a non-volatile memory, and provide instructions and data to the processor.

[0089] The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming the above payment device at the logical level. The processor executes the program stored in the memory and is specifically used to perform the following operations:

[0090] Scan the graphic code set for the receiving device, where the graphic code contains information of at least one code system supported by the receiving device;

[0091] Determine a target code system from at least one code system supported by the receiving device indicated by the graphic code;

[0092] Display the payment code of the target code system, where the payment code is used to make a payment to the receiving device.

[0093] Based on Figure 6 As can be known from the electronic device shown, in the solution of the embodiments of this specification, the receiving device displays the supported code systems to the electronic device through the graphic code. After the electronic device scans it, it selects a code system supported by the receiving device based on the graphic code to generate a payment code, so as to ensure that the receiving device can successfully settle accounts, thereby bringing a better user experience, and thus has high practical value.

[0094] The above as described in this specification Figure 1The payment code display method disclosed in the illustrated embodiment can be applied to or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, the steps of the above method can be completed by the integrated logic circuit in the hardware of the processor or the instructions in the form of software. The above-mentioned processor may be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it may also be a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field-programmable gate array (FPGA), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. It can implement or execute the various methods, steps, and logic block diagrams disclosed in the embodiments of this specification. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc. The steps of the method disclosed in combination with the embodiments of this specification can be directly embodied as being executed and completed by the hardware decoding processor, or executed and completed by the combination of the hardware and software modules in the decoding processor. The software module may be located in a mature storage medium in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. This storage medium is located in the memory, and the processor reads the information in the memory and combines its hardware to complete the steps of the above method.

[0095] It should be understood that the electronic device in the embodiments of this specification can implement the functions of the above payment device in Figure 1 and Figure 2 the illustrated embodiment, which will not be elaborated herein.

[0096] Of course, in addition to the software implementation method, the electronic device in this specification does not exclude other implementation methods, such as the logical device or the combination of software and hardware, etc. That is to say, the execution subject of the following processing flow is not limited to each logical unit, and may also be hardware or a logical device.

[0097] In addition, the embodiments of this specification also propose a computer-readable storage medium that stores one or more programs. The one or more programs include instructions that, when executed by a portable electronic device including multiple application programs, can enable the portable electronic device to execute Figure 1 the method in the illustrated embodiment, and are specifically used to execute the following method:

[0098] Scan the graphic code set for the payment collection device, where the graphic code contains information on at least one code system supported by the payment collection device;

[0099] Determine a target code system from at least one code system supported by the payment collection device indicated by the graphic code;

[0100] Display the payment code of the target code system, where the payment code is used to make a payment to the payment collection device.

[0101] Based on the computer-readable storage medium of this embodiment, it can be known that the payment collection device displays the supported code systems to the payment device through the graphic code. After the support device scans it, it selects one of the code systems supported by the payment collection device based on the graphic code to generate a payment code, so as to ensure that the payment collection device can successfully settle accounts, thereby bringing a better user experience. Therefore, it has high practical value.

[0102] It should be understood that when the above instructions are executed by a portable electronic device including multiple application programs, the above-mentioned payment device can be enabled to implement Figures 1 to 4 the functions of the illustrated embodiment, which will not be elaborated herein.

[0103] Those skilled in the art should understand that the embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, this specification can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0104] The above specifically describes certain embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be executed in a different order than in the embodiments and still achieve the desired results. Additionally, the processes depicted in the figures do not necessarily require the specific order or sequential order shown to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0105] The above are only the embodiments of this specification and are not intended to limit this specification. For those skilled in the art, this specification can have various changes and modifications. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of this specification shall be included within the scope of the claims of this specification. In addition, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this document.

Claims

1. A payment code payment method, comprising: A payment device scans a graphic code set for a receiving device, where the graphic code is pre-generated by a payment system in response to an operation of a merchant personnel corresponding to the receiving device configuring the code systems supported by the receiving device. The graphic code contains information of at least one code system supported by the receiving device, and the code system is an encoding requirement; The payment device determines a target code system from at least one code system supported by the receiving device indicated by the graphic code; The payment device generates a payment code based on the target code system; And The payment device displays the payment code, where the payment code is used to be scanned by the receiving device and parsed using the target code system so that the payment device completes the payment.

2. The method according to claim 1, The payment device determines a target code system from at least one code system supported by the receiving device indicated by the graphic code, including: The payment device determines the target code system from at least one code system supported by the receiving device indicated by the graphic code based on the payment record of the payment device.

3. The method according to claim 2, The payment device determines a target code system from at least one code system supported by the receiving device indicated by the graphic code, including: The payment device selects the one with the highest usage frequency as the target code system from at least one code system supported by the receiving device indicated by the graphic code based on the payment record of the payment device.

4. The method according to claim 2, The payment device determines a target code system from at least one code system supported by the receiving device indicated by the graphic code, including: The payment device selects the most recently used one as the target code system from at least one code system supported by the receiving device indicated by the graphic code based on the payment record of the payment device.

5. The method according to claim 1, The graphic code contains one of the multiple code systems supported by the receiving device.

6. The method as claimed in claim 5, The one code system is determined based on the e-wallet policy of the payment system.

7. The method according to claim 1, The graphic code contains information of multiple code systems supported by the receiving device and corresponding priorities; The payment device determines a target code system from at least one code system supported by the receiving device indicated by the graphic code, including: The payment device selects the code system with the highest priority as the target code system from the multiple code systems supported by the receiving device indicated by the graphic code.

8. The method as claimed in claim 7, The priorities of the multiple code systems supported by the receiving device are determined based on the preferential rights and interests corresponding to the multiple code systems respectively.

9. The method according to claim 1, The graphic code is updated under target conditions, where the target conditions include: The merchant personnel changes the code systems supported by the receiving device on the payment system.

10. The method according to claim 1, The graphic code is displayed through the receiving device, or the graphic code is posted for display.

11. A payment device, comprising: A graphic code scanning module scans a graphic code set for a payment collection device. The graphic code is generated by the payment system in response to an operation in which the merchant personnel corresponding to the payment collection device configure the code systems supported by the payment collection device. The graphic code contains information on at least one code system supported by the payment collection device, and the code system is an encoding requirement; A code system selection module determines a target code system from the at least one code system supported by the payment collection device; The payment device generates a payment code based on the target code system; And A graphic code display module displays the payment code, where the payment code is used to be scanned by the payment collection device and parsed using the target code system so that the payment device can complete the payment.

12. An electronic device includes: A memory, a processor, and a computer program stored on the memory and executable on the processor, where the computer program is executed by the processor: Scan a graphic code set for a payment collection device. The graphic code is generated by the payment system in response to an operation in which the merchant personnel corresponding to the payment collection device configure the code systems supported by the payment collection device. The graphic code contains information on at least one code system supported by the payment collection device, and the code system is an encoding requirement; Determine a target code system from the at least one code system supported by the payment collection device indicated by the graphic code; Generate a payment code based on the target code system; And Display the payment code, where the payment code is used to be scanned by the payment collection device and parsed using the target code system so that the payment device can complete the payment.

13. A computer-readable storage medium has a computer program stored thereon. When the computer program is executed by a processor, the following steps are implemented: Scan a graphic code set for a payment collection device. The graphic code is generated by the payment system in response to an operation in which the merchant personnel corresponding to the payment collection device configure the code systems supported by the payment collection device. The graphic code contains information on at least one code system supported by the payment collection device, and the code system is an encoding requirement; Determine a target code system from the at least one code system supported by the payment collection device indicated by the graphic code; Generate a payment code based on the target code system; And Display the payment code, where the payment code is used to be scanned by the payment collection device and parsed using the target code system so that the payment device can complete the payment.

Images