Payment service pushing method, wearable device and electronic device

Abstract

The invention provides a payment service pushing method, wearable equipment and electronic equipment, and relates to the technical field of terminals. When the wearable device is in the black screen state, the wearable device detects the first action of the user and indicates that the user possibly needs to use the service of the wearable device, the wearable device can enter the bright screen state, and the prediction instruction is sent to the electronic device to trigger the electronic device to predict the payment intention. And when it is predicted that the user has the payment intention at present, the first information is sent to the wearable device. The wearable device responds to the first information and pushes the payment service, reverse triggering prediction of the payment intention is achieved, the timeliness of payment service pushing is guaranteed, a user can quickly use the payment service of the wearable device, the payment efficiency is improved, and the user experience is high.

Description

Technical Field

[0001] This application relates to the technical field of terminals, and in particular, to a payment service push method, a wearable device, and an electronic device. Background Art

[0002] With the development of electronic device technologies (such as wearable devices, mobile phones, etc.), most electronic devices have payment functions. When a user needs to make a payment, the user can start a relevant payment-enabled application on the electronic device. Subsequently, in response to the user's relevant operations, the electronic device can switch to display a specific payment interface of the application. For example, the electronic device displays an interface including a payment code for the payee to scan the code, thereby completing the payment.

[0003] However, the user may need to perform multiple operations on the electronic device to trigger the electronic device to display the payment interface to implement the payment function, resulting in low payment efficiency. Summary of the Invention

[0004] In view of this, this application provides a payment service push method, a wearable device, and an electronic device, which are used to achieve fast and accurate push of payment services and improve payment efficiency.

[0005] In a first aspect, this application provides a payment service push method applied to a wearable device. The wearable device detects a first action; in response to the first action, the wearable device sends a prediction instruction to the electronic device; wherein, the prediction instruction is used to trigger the electronic device to predict whether to push a payment service.

[0006] In the case of predicting the push of a payment service, the wearable device receives first information (or referred to as payment service collaborative push information) from the electronic device; in response to the first information, the wearable device displays a payment interface.

[0007] In the embodiments of this application, when the wearable device detects a first action (or referred to as action 2) of the user, it indicates that the user may need to use the services of the wearable device. Then the wearable device sends a prediction instruction to the electronic device to trigger the electronic device to predict the payment intention. Thus, when it is predicted that the user currently has a payment intention, the electronic device sends the first information to the wearable device. The wearable device responds to the first information and displays a payment interface to implement the push of the payment service. Moreover, it realizes the reverse trigger prediction of the payment intention, ensures the timeliness of the payment service push, so that the user can quickly use the payment service of the wearable device to complete the payment, simplifies the payment process, and improves the payment efficiency.

[0008] Optionally, the above payment service pushing method is applied to a wearable device in the black screen state. In response to the above first action, the wearable device enters the screen-on state. Based on this, when the user performs the first action and may need to use the services of the wearable device, such as the payment service, the wearable device can turn on the screen to trigger the electronic device to reversely predict whether the payment service needs to be pushed.

[0009] Optionally, the process of the wearable device displaying the payment interface in response to the first information may include:

[0010] In response to the above first information, the wearable device displays the payment service, that is, pushes the payment service.

[0011] After that, in response to the user's triggering operation on the payment service, the wearable device displays the payment interface, avoiding directly displaying the payment interface when the prediction is incorrect and affecting the normal use of the user.

[0012] Among them, the above display of the payment service may mean displaying the entrance of the payment service.

[0013] In a possible design, the wearable device sending a prediction instruction to the electronic device includes:

[0014] The wearable device can determine whether the first preset condition is met.

[0015] When the first preset condition is met, a prediction instruction is sent to the electronic device.

[0016] Among them, the first preset condition includes that when the current time belongs to the first consumption habit time period corresponding to the electronic device, the time interval between the current time and the sending time of the first prediction instruction is greater than or equal to the first preset time interval; or, when the current time does not belong to any of the consumption habit time periods corresponding to the electronic device, the time interval between the current time and the sending time of the second prediction instruction is greater than or equal to the second preset time interval;

[0017] The first prediction instruction or the second prediction instruction represents the most recent prediction instruction sent by the wearable device.

[0018] Based on this, by determining whether the first preset condition (or called the preset trigger condition) is met, the wearable device can avoid frequently triggering the electronic device to predict the payment intention reversely, thereby reducing the waste of resources and reducing the degree of interference to the user.

[0019] In a possible design, the first prediction instruction represents the prediction instruction whose sending time belongs to the second consumption habit time period corresponding to the electronic device; the second consumption habit time period represents any consumption habit time period corresponding to the electronic device;

[0020] The second prediction instruction indicates that the sending time of the most recent transmission by the wearable device does not fall within any of the consumption habit time periods corresponding to the electronic device. Based on this, the wearable device can avoid frequently triggering the electronic device to predict the payment intention during the consumption habit time periods and also avoid frequently triggering the electronic device to predict the payment intention during non-consumption habit time periods, thereby avoiding unnecessary prediction of the payment intention.

[0021] In a possible design, before the wearable device sends a prediction instruction to the electronic device, it further includes:

[0022] The wearable device determines that a second preset condition (or a preset precondition) is met; where the second preset condition includes at least one of the wearable device not receiving the first information from the electronic device, the wearable device and the electronic device being in a connected state, the wearable device being in a worn state, and the wearable device not being in a moving state. Based on this, unnecessary prediction of the payment intention by the wearable device is avoided.

[0023] In addition, when the wearable device determines that the second preset condition is not met, it indicates that the wearable device does not need to trigger the electronic device to predict the payment intention in reverse, so the wearable device may not send a prediction instruction to the electronic device.

[0024] In a possible design, after the wearable device sends a prediction instruction to the electronic device, when it is predicted that the payment service will not be pushed, the wearable device receives second information (or a payment service stop push message) from the electronic device, and the second information instructs the wearable device not to display the payment service; where the payment service is used to trigger the wearable device to display a payment interface.

[0025] Based on this, when the electronic device predicts that the user currently has no payment intention, the electronic device can send the second information to the wearable device. In response to this second information, the wearable device does not push the payment service, avoiding unnecessary pushing of the payment service.

[0026] In a possible design, after the wearable device sends a prediction instruction to the electronic device, when it is predicted that the payment service will not be pushed, the wearable device receives third information (venue-associated service information, or payment service collaborative push information) from the electronic device; in response to the third information, the wearable device displays the venue-associated service, and the venue-associated service represents the service associated with the consumption venue where the wearable device has currently arrived. Based on this, the wearable device can push the service associated with the currently arrived consumption venue to the user, ensuring the richness of the provided service types, achieving precise push of differentiated services, and improving the user experience.

[0027] Optionally, when the electronic device is in the black screen state, it receives a prediction instruction, enabling the electronic device to predict the payment intention in a timely manner, thereby ensuring the timely push of payment services.

[0028] In a possible design, the wearable device can also cooperate with the electronic device to push payment services and / or venue-related services. Specifically, the wearable device receives the fourth information (or payment service collaborative push information) sent by the electronic device; in response to the fourth information, the wearable device displays the payment service and / or venue-related services, realizing the collaborative push of payment services and facilitating user use.

[0029] Optionally, the wearable device turns on the screen and displays the payment service and / or venue-related services.

[0030] Optionally, when the wearable device detects the second action (or Action 1), the wearable device turns on the screen.

[0031] In a possible design, if the current interface displayed by the wearable device is not the payment interface, in response to the above first information, the wearable device displays the payment service, and in response to the user's trigger operation on the payment service, the wearable device displays the payment interface.

[0032] Based on this, when the wearable device itself uses the payment function, the wearable device does not need to push the payment service again, which can avoid the repeated push of payment services.

[0033] In a second aspect, the present application provides a payment service push method applied to an electronic device. When the electronic device arrives at the consumption venue corresponding to the electronic device, the electronic device displays the payment service;

[0034] In response to the user's trigger operation on the payment service, the payment interface is displayed.

[0035] Among them, the consumption venue indicates the first permanent stay venue, and the payment service is correlated with the consumption rule information corresponding to the first permanent stay venue. The first permanent stay venue means a venue where the electronic device has consumed and the stay time of the electronic device is greater than the first preset time;

[0036] Alternatively, the consumption venue indicates the first temporary venue, and the first temporary venue means a venue where the electronic device and / or other devices have consumed and the stay time of the electronic device is less than or equal to the first preset time.

[0037] In an embodiment of the present application, when arriving at the first regular stay place (or referred to as the regular stay place) corresponding to the electronic device, the electronic device pushes a payment service based on the consumption pattern information corresponding to the first regular stay place. When arriving at the first temporary place (or referred to as the target temporary place) corresponding to the electronic device, the electronic device pushes a payment service, achieving accurate pushing of the payment service, enabling the user to use the payment service in a timely manner, simplifying the payment process, and improving the payment efficiency.

[0038] In a possible design, the consumption place indicates the first temporary place, and the electronic device displays the place-associated service corresponding to the first temporary place; wherein, the place-associated service represents the service associated with the first temporary place. Based on this, refined pushing of services is achieved, improving the user experience.

[0039] In a possible design, the place-associated service includes one or more of in-store services, nearby services, membership card services, medical insurance card services, medical treatment card services, and quick payment services.

[0040] In a possible design, the place-associated service includes in-store services; the in-store services are used to trigger the electronic device to display the product information of the first temporary place;

[0041] The electronic device displays the place-associated service corresponding to the first temporary place, including:

[0042] The electronic device determines the similarity between the current movement trajectory and the historical movement trajectory corresponding to the first temporary place; wherein, the historical movement trajectory corresponding to the first temporary place represents the movement trajectory of the device from entering the geographical fence corresponding to the first temporary place until the device completes the payment.

[0043] When the similarity is greater than the preset similarity, it indicates that the electronic device has arrived at the first temporary place, and the electronic device displays the in-store service corresponding to the first temporary place, achieving the pushing of refined services.

[0044] Optionally, the electronic device can also display the place-associated service corresponding to the first regular stay place.

[0045] In a possible design, the consumption pattern information includes the consumption habit time period and the habitual behavior information, and the habitual behavior information represents the regular behaviors performed by the electronic device before completing the payment at the first regular stay place.

[0046] In a third aspect, the present application provides a payment service pushing method, which is applied to an electronic device. The electronic device receives a prediction instruction from a wearable device;

[0047] In response to a prediction instruction, when the electronic device arrives at the consumption place corresponding to the electronic device, the electronic device sends first information to the wearable device; wherein, the first information is used to trigger the wearable device to push a payment service;

[0048] Wherein, the consumption place indicates a first regular stay place, the payment service is correlated with the consumption rule information corresponding to the first regular stay place, and the first regular stay place means a place where the electronic device has consumed and the stay time of the electronic device is greater than a first preset time;

[0049] Alternatively, the consumption place indicates a first temporary place, and the first temporary place means a place where the electronic device and / or other devices have consumed and the stay time of the electronic device is less than or equal to the first preset time.

[0050] Optionally, the above-mentioned electronic device is in a black screen state.

[0051] In a fourth aspect, the present application provides a wearable device, which includes a display screen, a memory, and one or more processors; the display screen, the memory, and the processor are coupled; the display screen is used to display images generated by the processor, the memory is used to store computer program code, and the computer program code includes computer instructions; when the processor executes the computer instructions, the wearable device is caused to execute the payment service pushing method in the first aspect and any possible design manner thereof as above.

[0052] In a fifth aspect, the present application provides an electronic device, the electronic device includes a display screen, a memory, and one or more processors; the display screen, the memory, and the processor are coupled; the display screen is used to display images generated by the processor, the memory is used to store computer program code, and the computer program code includes computer instructions; when the processor executes the computer instructions, the electronic device is caused to execute the payment service pushing method in the second aspect, the third aspect, and any possible design manner thereof as above.

[0053] In a sixth aspect, the present application provides a computer-readable storage medium, including computer instructions, when the computer instructions run on the wearable device, the wearable device is caused to execute the payment service pushing method in the first aspect and any possible design manner thereof as above.

[0054] In a seventh aspect, the present application provides a computer-readable storage medium, including computer instructions, when the computer instructions run on the electronic device, the electronic device is caused to execute the payment service pushing method in the second aspect, the third aspect, and any possible design manner thereof as above.

[0055] In an eighth aspect, the present application provides a computer program product, including a computer program which, when executed by a processor, implements the payment service push method described in the first aspect above and any possible design thereof.

[0056] In a ninth aspect, the present application provides a computer program product, including a computer program which, when executed by a processor, implements the payment service push method described in the second aspect above and any possible design thereof.

[0057] It should be understood that for the beneficial effects that can be achieved by the payment service push method described in the third aspect provided above, the wearable device described in the fourth aspect, the electronic device described in the fifth aspect, the computer-readable storage medium described in the sixth and seventh aspects, and the computer program product described in the eighth and ninth aspects, reference can be made to the beneficial effects in the first aspect or the second aspect and any possible design thereof, which will not be elaborated herein. BRIEF DESCRIPTION OF THE DRAWINGS

[0058] Figure 1 FIG. is a schematic diagram of collaborative push of payment services provided by an embodiment of the present application;

[0059] Figure 2 FIG. is a schematic diagram of a payment scenario provided by an embodiment of the present application;

[0060] Figure 3 FIG. is a schematic structural diagram of an electronic device provided by an embodiment of the present application;

[0061] Figure 4 FIG. is a flowchart of a payment service push method provided by an embodiment of the present application Figure 1 ;

[0062] Figure 5 FIG. is a schematic diagram of determining a consumption place provided by an embodiment of the present application;

[0063] Figure 6A FIG. is a schematic diagram of a payment service push scenario provided by an embodiment of the present application Figure 1 ;

[0064] Figure 6B FIG. is a schematic diagram of a payment service push scenario provided by an embodiment of the present application Figure 2 ;

[0065] Figure 6C FIG. is a schematic diagram of a payment service push scenario provided by an embodiment of the present application Figure 3 ;

[0066] Figure 6D FIG. is a schematic diagram of a payment service push scenario provided by an embodiment of the present application Figure 4 ;

[0067] Figure 7A A schematic diagram of a venue - related service push scenario provided by an embodiment of the present application Figure 1 ;

[0068] Figure 7B A schematic diagram of a venue - related service push scenario provided by an embodiment of the present application Figure 2 ;

[0069] Figure 8A A schematic diagram of a venue - related service push scenario provided by an embodiment of the present application Figure 3 ;

[0070] Figure 8B A schematic diagram of a venue - related service push scenario provided by an embodiment of the present application Figure 4 ;

[0071] Figure 9 A schematic diagram of a venue - related service push scenario provided by an embodiment of the present application Figure 5 ;

[0072] Figure 10A A schematic diagram of a venue - related service push scenario provided by an embodiment of the present application, Figure 6;

[0073] Figure 10B A schematic diagram of a venue - related service push scenario provided by an embodiment of the present application, Figure 7;

[0074] Figure 11 A flowchart of a payment service push method provided by an embodiment of the present application Figure 2 ;

[0075] Figure 12A A schematic diagram of a payment service push scenario provided by an embodiment of the present application Figure 5 ;

[0076] Figure 12B A schematic diagram of a payment service push scenario provided by an embodiment of the present application, Figure 6;

[0077] Figure 13A A schematic diagram of a payment service push scenario provided by an embodiment of the present application, Figure 7;

[0078] Figure 13B A schematic diagram of a payment service push scenario provided by an embodiment of the present application, Figure 8;

[0079] Figure 14 A flowchart of a payment service push method provided by an embodiment of the present application Figure 3 ;

[0080] Figure 15 A flowchart of a payment service push method provided by an embodiment of the present application Figure 4。 Detailed implementation manners

[0081] Hereinafter, the terms "first" and "second" are for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the quantity of the indicated technical features. Thus, features defined with "first" and "second" may explicitly or implicitly include one or more of such features. In the description of this embodiment, unless otherwise specified, the meaning of "a plurality" is two or more than two.

[0082] With the development of electronic device technology, most electronic devices (such as mobile phones) have payment functions. When a user needs to make a payment, the user can launch a relevant application with a payment function on the electronic device. After that, in response to the user's relevant operations on the application, the mobile phone can switch to display a specific payment interface of the application. For example, the mobile phone displays an interface including a payment code for the collection code to scan, so as to complete the payment.

[0083] In some embodiments, in order to improve the payment efficiency, the mobile phone can be provided with a quick payment method. In one case, the mobile phone can display a quick payment icon on specific interfaces such as the AOD interface and the lock screen interface. However, when the interface displayed by the mobile phone is not a specific interface, the user needs to first trigger the mobile phone to display the specific interface. After that, the user clicks on the quick payment icon, and in response to the quick payment icon, the mobile phone displays the corresponding payment interface, resulting in a still relatively cumbersome payment process and low payment efficiency. Moreover, setting a quick payment icon on the specific interface of the mobile phone, that is, continuously displaying the quick payment icon, will pose certain security problems to some extent. In another case, the mobile phone can set a specific payment operation. When receiving the specific payment operation input by the user, it indicates that the user currently wants to use the payment function of the mobile phone. Therefore, the mobile phone can display the payment interface. However, in this case, the user needs to remember the specific payment operation, which causes inconvenience to the user.

[0084] Therefore, in view of the above problems, the present application provides a payment service push method. The present application divides the places where the user consumes into resident places and temporary places. Since the consumption behavior of the user in the temporary place generally does not have regularity, when arriving at the temporary place, the electronic device predicts that the user has a payment intention, and the electronic device can push the payment service so that the user can directly use the payment service to make a payment, simplifying the payment process and achieving fast payment.

[0085] Since the consumption behavior of users in a permanent stay venue generally has regularity, when arriving at the permanent stay venue, the electronic device can predict whether the user currently has a payment intention based on the consumption pattern corresponding to the permanent stay venue (such as the time period of consumption habits). When it is predicted that the user currently has a payment intention, the electronic device can push the payment service, realizing the active push of the payment service. Moreover, the user does not need to trigger the electronic device to display a specific interface, simplifying the payment process and improving the payment efficiency. In addition, it can improve the intelligence of the electronic device and enhance user satisfaction.

[0086] In addition, users sometimes use wearable devices for payment. To facilitate user payment, the electronic device can cooperate with the wearable device to push the payment service. For example, Figure 1 as shown, when the electronic device is in the screen-on state, the electronic device can predict the payment intention, push the payment service, and the electronic device can cooperate with the wearable device to push the payment service, enabling the user to quickly complete the payment using the wearable device. However, if the electronic device is in the screen-off state, the electronic device will no longer predict the payment intention, and then the wearable device will not be able to push the payment service. When the user wants to use the wearable device for payment, the user still needs to trigger the wearable device to start the application with payment function. Then, the user needs to perform relevant operations on the application. In response to the user's relevant operations on the application, the wearable device can switch to display a specific payment interface of the application for the payee to scan the code through a scanning device (such as Figure 2 as shown, scanning the code with a barcode scanner) to complete the payment, resulting in a relatively cumbersome payment process and low payment efficiency.

[0087] For example, taking the electronic device as a mobile phone, when the mobile phone is held in the user's hand, hung around the user's neck, placed in the user's clothes pocket, or placed in the bag carried by the user, the mobile phone is in the screen-off state, then the mobile phone will no longer cooperate to push the payment service. Correspondingly, the wearable device will not need to actively push the payment service to the user.

[0088] Therefore, the wearable device receives the user's first action, which is used to trigger the wearable device to turn on the screen. After that, the wearable device responds to the first action, enters the screen-on state, and sends a prediction instruction to the electronic device to reverse-trigger the electronic device to predict the payment intention. Thus, when it is predicted that the user currently has a payment intention, the electronic device can trigger the wearable device to push the payment service. Based on this, even when the electronic device is in the screen-off state, the wearable device can reverse-trigger the electronic device to predict the payment intention. Thus, when it is predicted that the user currently has a payment intention, the wearable device can also actively push the payment service without being restricted by the screen-off of the electronic device, improving the user's payment efficiency and user experience.

[0089] Exemplarily, the above electronic device is a device configured with a display screen. For example, the electronic device can be a mobile phone, a wearable device (such as a smart watch, a smart bracelet), a tablet computer, a desktop computer, a laptop computer, a handheld computer, a notebook computer, an ultra-mobile personal computer (UMPC), a netbook, as well as a cellular phone, a personal digital assistant (PDA), a media player, etc., which have a screen (or called a display screen). The embodiments of the present application do not impose special restrictions on the specific form of the electronic device.

[0090] Exemplarily, Figure 3 shows a schematic structural diagram of the electronic device 200. As Figure 3 shown, the electronic device 200 may include a processor 210, an external memory interface 220, an internal memory 221, a universal serial bus (USB) interface 230, a charging management module 211, a power management module 212, a battery 213, an antenna 1, an antenna 2, a mobile communication module 240, a wireless communication module 250, an audio module 270, a speaker 270A, a receiver 270B, a microphone 270C, a headphone interface 270D, a sensor module 280, a button 290, a motor 291, an indicator 292, a camera 293, a display screen 294, and a subscriber identification module (SIM) card interface 295, etc.

[0091] It can be understood that the structure schematically shown in the embodiments of the present invention does not constitute a specific limitation on the electronic device 200. In other embodiments of the present application, the electronic device 200 may include more or fewer components than shown in the figure, or combine certain components, or split certain components, or have different component arrangements. The components shown in the figure may be implemented in hardware, software, or a combination of software and hardware.

[0092] The processor 210 may include one or more processing units. For example, the processor 210 may include an application processor (AP), a modem processor, a graphics processing unit (GPU), an image signal processor (ISP), a controller, a memory, a video codec, a digital signal processor (DSP), a baseband processor, and / or a neural-network processing unit (NPU), etc. Among them, different processing units may be independent devices or integrated in one or more processors.

[0093] Among them, the controller may be the nerve center and command center of the electronic device 200. The controller may generate operation control signals according to the instruction operation code and timing signal to complete the control of fetching and executing instructions.

[0094] A memory may also be provided in the processor 210 for storing instructions and data. In some embodiments, the memory in the processor 210 is a cache memory. This memory may save the instructions or data that the processor 210 has just used or recycled. If the processor 210 needs to use the instruction or data again, it can directly call it from the memory. This avoids repeated accesses, reduces the waiting time of the processor 210, and thus improves the efficiency of the system.

[0095] In some embodiments, the processor 210 may include one or more interfaces. The interfaces may include an inter-integrated circuit (I2C) interface, an inter-integrated circuit sound (I2S) interface, a pulse code modulation (PCM) interface, a universal asynchronous receiver / transmitter (UART) interface, a mobile industry processor interface (MIPI), a general-purpose input / output (GPIO) interface, a subscriber identity module (SIM) interface, and / or a universal serial bus (USB) interface, etc.

[0096] It can be understood that the interface connection relationships shown among the various modules in the embodiments of the present invention are only illustrative and do not constitute a structural limitation on the electronic device 200. In other embodiments of the present application, the electronic device 200 may also adopt different interface connection methods in the above embodiments, or a combination of multiple interface connection methods.

[0097] The charging management module 211 is configured to receive a charging input from a charger. Among them, the charger may be a wireless charger or a wired charger. In some embodiments of wired charging, the charging management module 211 may receive the charging input of the wired charger through the USB interface 230. In some embodiments of wireless charging, the charging management module 211 may receive the wireless charging input through the wireless charging coil of the electronic device 200. While charging the battery 213, the charging management module 211 may also supply power to the electronic device through the power management module 212.

[0098] The wireless communication function of the electronic device 200 may be implemented through antenna 1, antenna 2, the mobile communication module 240, the wireless communication module 250, the modulation and demodulation processor, and the baseband processor, etc.

[0099] Antenna 1 and antenna 2 are used to transmit and receive electromagnetic wave signals. Each antenna in the electronic device 200 can be used to cover a single or multiple communication frequency bands. Different antennas can also be multiplexed to improve the utilization rate of the antennas. For example: Antenna 1 can be multiplexed as the diversity antenna of the wireless local area network. In some other embodiments, the antenna can be used in combination with a tuning switch.

[0100] The mobile communication module 240 can provide solutions for wireless communications such as 2G / 3G / 4G / 5G applied to the electronic device 200. The mobile communication module 240 may include at least one filter, switch, power amplifier, low noise amplifier (LNA), etc. The mobile communication module 240 can receive electromagnetic waves through antenna 1, and perform filtering, amplification, etc. on the received electromagnetic waves, and transmit them to the modulation and demodulation processor for demodulation. The mobile communication module 240 can also amplify the signal modulated by the modulation and demodulation processor, and convert it into electromagnetic waves through antenna 1 and radiate it out. In some embodiments, at least some functional modules of the mobile communication module 240 may be provided in the processor 210. In some embodiments, at least some functional modules of the mobile communication module 240 and at least some modules of the processor 210 may be provided in the same device.

[0101] The modem processor may include a modulator and a demodulator. Among them, the modulator is used to modulate the low-frequency baseband signal to be transmitted into a medium-high frequency signal. The demodulator is used to demodulate the received electromagnetic wave signal into a low-frequency baseband signal. Subsequently, the demodulator transmits the demodulated low-frequency baseband signal to the baseband processor for processing. After being processed by the baseband processor, the low-frequency baseband signal is transmitted to the application processor. The application processor outputs a sound signal through an audio device (not limited to the speaker 270A, the receiver 270B, etc.), or displays an image or video through the display screen 294. In some embodiments, the modem processor may be an independent device. In other embodiments, the modem processor may be independent of the processor 210 and be provided in the same device as the mobile communication module 240 or other functional modules.

[0102] The wireless communication module 250 may provide solutions for wireless communications applied to the electronic device 200, including wireless local area networks (WLANs) (such as wireless fidelity (Wi-Fi) networks), Bluetooth (BT), global navigation satellite systems (GNSSs), frequency modulation (FM), near field communication (NFC), infrared technology (IR), etc. The wireless communication module 250 may be one or more devices integrating at least one communication processing module. The wireless communication module 250 receives electromagnetic waves via the antenna 2, performs frequency modulation and filtering processing on the electromagnetic wave signals, and transmits the processed signals to the processor 210. The wireless communication module 250 may also receive the signal to be transmitted from the processor 210, perform frequency modulation and amplification on it, and convert it into electromagnetic waves through the antenna 2 for radiation.

[0103] The electronic device 200 realizes the display function through the GPU, the display screen 294, and the application processor, etc. The GPU is a microprocessor for image processing, connected to the display screen 294 and the application processor. The GPU is used to execute mathematical and geometric calculations for graphics rendering. The processor 210 may include one or more GPUs, which execute program instructions to generate or change the display information.

[0104] The display screen (or simply screen) 294 is used to display images, videos, etc. The display screen 294 includes a display panel. The display panel can be a liquid crystal display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode (AMOLED), a flexible light-emitting diode (FLED), a MiniLED, a MicroLED, a Micro-OLED, a quantum dot light-emitting diode (QLED), etc. In some embodiments, the electronic device 200 may include one or N display screens 294, where N is a positive integer greater than 1.

[0105] The external memory interface 220 can be used to connect an external memory card, such as a Micro SD card, to expand the storage capacity of the electronic device 200.

[0106] The internal memory 221 can be used to store computer-executable program code, and the executable program code includes instructions. The processor 210 executes various functional applications and data processing of the electronic device 200 by running the instructions stored in the internal memory 221. The internal memory 221 can include a program storage area and a data storage area. Among them, the program storage area can store an operating system, application programs required for at least one function (such as a sound playback function, an image playback function, etc.). The data storage area can store data created during the use of the electronic device 200 (such as audio data, a phone book, etc.). In addition, the internal memory 221 can include high-speed random access memory and can also include non-volatile memory, such as at least one disk storage device, a flash memory device, a universal flash storage (UFS), etc.

[0107] The electronic device 200 can implement audio functions through the audio module 270, the speaker 270A, the receiver 270B, the microphone 270C, the headphone jack 270D, and the application processor, etc. For example, music playback, recording, etc.

[0108] The keys 290 include a power-on key, volume keys, etc. The keys 290 can be mechanical keys or touch keys.

[0109] The indicator 292 can be an indicator light, which can be used to indicate the charging state, the change in battery level, and can also be used to indicate messages, missed calls, notifications, etc.

[0110] The sensor module 280 may include a pressure sensor, a gyroscope sensor, a barometric pressure sensor, a magnetic sensor, an acceleration sensor, a distance sensor, a proximity light sensor, a fingerprint sensor, a temperature sensor, a touch sensor, an ambient light sensor, a bone conduction sensor, etc.

[0111] Among them, the software system of the above-mentioned electronic device 200 may adopt a layered architecture, an event-driven architecture, a microkernel architecture, a microservices architecture, or a cloud architecture. In the embodiments of the present application, taking the Android system with a layered architecture as an example, the software structure of the electronic device 200 is exemplarily described.

[0112] The present application provides a method for pushing payment services. An electronic device may, based on the consumption behavior data collected thereby, combine the associated point of interest (POI) types to expand the coverage of consumption places, so as to determine the information of the consumption place corresponding to the electronic device, where the consumption place includes a temporary place and a permanent stay place. After that, the electronic device uses the information of its corresponding consumption place to predict the payment intention, so as to realize the active push of payment services. Taking the electronic device as a mobile phone as an example below, in combination with the attached Figure 4 , the determination of the information of the consumption place and the push process of the payment service are introduced. As Figure 4 shown, the process may include:

[0113] S201. The mobile phone obtains consumption behavior data.

[0114] Among them, the consumption behavior data refers to the consumption data collected during mobile phone payment, such as the data collected when the mobile phone makes a payment by scanning (i.e., barcode scanning), or the data collected when the mobile phone makes a payment by a payment code. The payment code represents a digital code that can be used for payment, and may include at least one of a bus code, a payment code, and an electronic voucher (such as a verification code for a group buying voucher, a coupon, etc.).

[0115] Optionally, the above-mentioned consumption behavior data at least includes a consumption time, a consumption location (such as the location of the store where the consumption occurs), and a consumption place name. In addition, the consumption behavior data may further include other data, such as a payment tool, a payment method, a consumption amount, a payment method, a place-associated service, etc. Among them, the payment tool indicates barcode scanning or a payment code, which represents whether the mobile phone makes a payment by scanning a barcode or displaying a payment code.

[0116] The payment method represents a payment method, such as the identifier of the payment application used for payment, and the payment application represents an application with a payment function.

[0117] Location - related services include services representing the association with consumption locations corresponding to consumption behavior data, such as membership card services, medical insurance card services, medical treatment card services, quick payment services (such as quick parking payment services), in - store services, etc. Among them, the membership card service represents the membership card used by the mobile phone to complete payment at the consumption location. The in - store service represents the commodity information of the consumption location, that is, the scope of services provided. In addition, location - related services can also include other types of services, such as nearby services (such as nearby food services), and electronic voucher services. It should be understood that if the location - related services include electronic voucher services, then the payment services may not include electronic voucher services.

[0118] S202. Based on the consumption behavior data, the mobile phone determines the information of the consumption location corresponding to the mobile phone by combining the residence time corresponding to the consumption location in the consumption behavior data. Among them, the consumption location includes a permanent residence location and a temporary location 1.

[0119] Among them, the permanent residence location represents a location where the mobile phone stays for a long time and there is a certain pattern of consumption, such as a company, home, etc. The information of the permanent residence location includes at least one of the location, name of the permanent residence location, and the consumption pattern of the permanent residence location.

[0120] Optionally, the above - mentioned consumption pattern may include, for example, a habitual consumption time period. The habitual consumption time period represents the time period when the mobile phone is accustomed to making payments. For example, if the permanent residence location is a company, and the user generally has lunch in the cafeteria from 12:00 to 12:30, and the user also uses the mobile phone to pay for lunch from 12:00 to 12:30, then the cloud can determine that the habitual consumption time period corresponding to this company is from 12:00 to 12:30.

[0121] In addition, the above - mentioned consumption pattern can also include user habitual behaviors (or called habitual behavior information), which represent the behaviors that the mobile phone often performs before consuming at the permanent residence location. In one case, the user habitual behavior indicates disconnecting a specific WIFI and / or connecting to a specific WIFI. For example, if the permanent residence location is a company, when the user leaves the work station to have lunch in the cafeteria, the mobile phone will disconnect a certain WIFI corresponding to the work station, and the WIFI corresponding to the work station can be a specific WIFI. Another example is that if the permanent residence location is a company, before consuming at the breakfast shop near the company, the mobile phone often connects to the WIFI of the breakfast shop, and the WIFI of the breakfast shop is a specific WIFI.

[0122] In another case, the user habitual behavior indicates the behavior of taking the elevator. For example, when the user leaves the work station and goes to the cafeteria, the user often needs to take the elevator. Therefore, the user habitual behavior can include the behavior of taking the elevator.

[0123] Among them, the above-mentioned temporary place 1 represents a place where the mobile phone stays for a short time and has made a payment. For example, the temporary place 1 includes public places such as shopping malls, hotels, cinemas, and theaters. The information of the temporary place 1 may include the location of the temporary place and the type of the temporary place (such as shopping mall, hotel, cinema, theater, etc.).

[0124] It should be noted that the location of the above-mentioned consumption place may include the WIFI information, base station cell information, and indoor and outdoor service information corresponding to the consumption place. Exemplarily, the location of the consumption place may be represented by a geographical fence corresponding to the consumption place.

[0125] In the embodiments of the present application, the mobile phone can determine the permanent stay place and the temporary place 1 corresponding to the mobile phone according to the consumption frequency and the stay time. If the stay time corresponding to the consumption place indicated by the consumption behavior data is greater than the preset stay time (or referred to as the first preset time), and the consumption frequency is greater than the preset frequency 1, then the mobile phone can determine that the consumption place is a permanent stay place. If the stay time corresponding to the consumption place indicated by the consumption behavior data is less than or equal to the preset stay time, or the consumption frequency is less than or equal to the preset frequency 1, then the mobile phone can determine that the consumption place is a temporary place 1.

[0126] Among them, optionally, the above-mentioned stay time may be the stay time of the mobile phone within a continuous time period. For example, when the mobile phone stays at a certain place for more than 8 hours continuously for 5 working days, and the consumption frequency at this place is greater than 4 times, it can be determined that this place is a permanent stay place.

[0127] It should be noted that the mobile phone can record the stay time (or referred to as the residence time) of the place. When the stay time of the place is greater than the preset stay time, the mobile phone can determine that this place is a candidate permanent stay place. Then, the mobile phone can use the consumption behavior data whose location of the consumption place belongs to this candidate permanent stay place to determine the consumption frequency corresponding to this candidate permanent stay place. When the consumption frequency is greater than the preset frequency 1, the mobile phone can determine that this candidate permanent stay place is the permanent stay place corresponding to the mobile phone. Among them, this location may be a geographical fence. For example, the mobile phone determines that the company belongs to the candidate permanent stay place, the user has consumed at store 1 and store 2, and the mobile phone determines that the geographical fences corresponding to store 1 and store 2 belong to the geographical fence corresponding to the company, then the mobile phone can determine that store 1 and store 2 belong to the company, and the mobile phone can use the consumption times corresponding to store 1 and store 2 to determine the consumption frequency corresponding to the company. When the consumption frequency is greater than the preset frequency 1, the mobile phone determines that this company is the permanent stay place corresponding to the mobile phone. In addition, the mobile phone can determine the consumption pattern corresponding to the company based on the consumption behavior data corresponding to store 1 and store 2, such as the habitual consumption time period, user's habitual behavior, etc.

[0128] In some embodiments, after determining the permanent residence place and the temporary place 1 corresponding to the mobile phone, the mobile phone can associate the POI type corresponding to the temporary place 1 to expand the temporary place, so as to obtain the temporary place 2 corresponding to the mobile phone. The temporary place 2 includes the temporary place 1 and places of the same type as the temporary place 1, thereby realizing the expansion of personal consumption places of the same type (such as Figure 5 as shown). For example, if the temporary place 1 includes the XX gas station in area 1 and the type of the temporary place 1 is a gas station, then the temporary place 2 can include gas stations in any area, such as the gas station in area 2. When the mobile phone arrives at the gas station in area 2, although the mobile phone has not consumed at this gas station, the mobile phone will still actively push the payment service.

[0129] S203. The mobile phone determines the consumption pattern corresponding to the permanent residence place based on the consumption behavior data corresponding to the permanent residence place.

[0130] In some embodiments, after the mobile phone determines the permanent residence place corresponding to it, for each permanent residence place, it can learn the consumption pattern corresponding to the permanent residence place based on the consumption behavior data corresponding to the permanent residence place to determine the user's consumption habit in this permanent residence place, so as to ensure that the payment service conforms to the user's consumption habit, and further ensure the accuracy of the payment service push.

[0131] S204. The mobile phone obtains the information of the consumption places corresponding to other users sent by the cloud.

[0132] Wherein, the information of the consumption places corresponding to other users represents the information of the places where the devices of other users have consumed.

[0133] S205. The mobile phone fuses the information of the temporary place 1 and the information of the consumption places corresponding to other users to obtain the information of the target temporary place corresponding to the mobile phone.

[0134] In the embodiments of the present application, since there is also a possibility of consumption when the user of the mobile phone arrives at the places where other users have consumed, the mobile phone can regard both the consumption places corresponding to other users and the temporary place 1 as the temporary places corresponding to the mobile phone, that is, the target temporary places, which are also the group temporary places (such as the above Figure 5 as shown), to realize the expansion of the consumption places, so that the covered consumption places are more comprehensive, and thus when the mobile phone arrives at the consumption places of other users, it can also actively push the payment service. For example, although the user has not consumed at store A, other users have consumed at store A. Therefore, the target temporary place corresponding to this user includes store A, so that when the mobile phone arrives at store A, it can still actively push the payment service.

[0135] Optionally, the consumption places corresponding to other users may include the permanent residence places and / or temporary places corresponding to other users. The temporary place may be Temporary Place 1 or Temporary Place 2.

[0136] In addition, optionally, to ensure the comprehensiveness of the coverage of the consumption places, the mobile phone may fuse the information of Temporary Place 2 and the information of the consumption places corresponding to other users to obtain the information of the target temporary place corresponding to the mobile phone.

[0137] In some embodiments, after determining the information of the consumption place corresponding to the mobile phone, the mobile phone may send the others to the cloud. The cloud may use the information of the consumption place corresponding to the mobile phone as the information of the consumption places corresponding to other users of devices other than the mobile phone, so that the device can determine the information of its corresponding target temporary place. For example, the device includes Device 1, and the information of the consumption places corresponding to other users of Device 1 may include the information of the consumption place corresponding to the mobile phone.

[0138] It should be noted that the above takes the mobile phone determining the consumption place corresponding to the mobile phone as an example to introduce the determination process of the consumption place. Of course, it may also be that the cloud determines the information of the consumption places corresponding to each device based on the crowdsourced consumption behavior data, that is, the consumption behavior data sent by each device. Then, the cloud may send the information of the consumption places corresponding to each device to the corresponding device respectively. Among them, the process of the cloud determining the information of the consumption place corresponding to the device is similar to the process of the mobile phone determining the information of the consumption place corresponding to the mobile phone above, and will not be elaborated here. It should be understood that the consumption place information here includes the information of the permanent residence place and the information of the target temporary place.

[0139] The above S201 - S205 introduced the determination process of the consumption place. Next, the process of the mobile phone pushing the payment service when arriving at the consumption place will be continued.

[0140] S206. The mobile phone determines whether it has arrived at the consumption place corresponding to the mobile phone.

[0141] In the embodiments of the present application, the mobile phone determines whether the mobile phone has arrived at the consumption place corresponding to the mobile phone. In the case of not arriving at the consumption place, the mobile phone may predict that the user currently has no payment intention, and the mobile phone does not need to push the payment service, so the mobile phone may execute S207.

[0142] In the case of arriving at the consumption place, if the arrived consumption place is the target temporary place, the mobile phone may predict that the user currently has a payment intention, and the mobile phone may actively push the payment service, that is, it may execute S208.

[0143] If the arrival consumption place is a permanent stay place, the mobile phone can continue to combine the consumption pattern corresponding to the permanent stay place to predict the payment intention, and then the mobile phone can execute S209.

[0144] S207. The mobile phone does not push the payment service.

[0145] S208. The mobile phone pushes the payment service.

[0146] Among them, when the mobile phone pushes the payment service, it can push (i.e., display) the entrance of the payment service. When the user triggers this entrance, the mobile phone can display the corresponding payment interface, and this payment interface indicates an application interface including a payment code. Exemplarily, the payment service can include one or more of a ride code, a payment code, and an electronic voucher service. Among them, the ride code service is used to trigger the display of an application interface including a ride code, and the payment code service is used to trigger the display of an application interface including a payment code. The electronic voucher service is used to trigger the mobile phone to display an application interface including an electronic voucher.

[0147] Alternatively, the above payment interface can be a scanning code interface, enabling the user to quickly complete the payment using the scanning code function. Correspondingly, the above payment service can include a scanning code service.

[0148] Alternatively, the above payment interface can also be an application interface including payment key information.

[0149] In the embodiments of the present application, the mobile phone can push the payment service to the user through one or more push forms to ensure that the information can effectively reach the user. For example, the push forms include cards, icons, capsules, etc.

[0150] Among them, the above cards and capsules can display text content related to the payment service (such as displaying the key content of the payment service) or graphic identifiers (graphic identifiers related to the payment service, such as the icon of the payment application). For example, as Figure 6A shown in the card, it includes a graphic identifier 10 and key content 11 (i.e., including the text "payment code" and the identifier of application 1). When the user triggers this card, the mobile phone can display the interface of application 1 as Figure 6B shown, and this interface includes a payment code. Another example is that as Figure 6C shown in the card, it includes key content 12 and key content 13. The key content 12 is used to trigger the mobile phone to display an interface including a payment code, and the key content 13 is used to trigger the mobile phone to display a scanning code interface (as Figure 6D shown).

[0151] Optionally, the above-mentioned card can be displayed on the main interface, the negative first screen, the always-on display (AOD) interface, the lock screen interface, the notification bar interface, and other application interfaces. It should be understood that the AOD interface can be the interface displayed on a mobile phone with the AOD function after the lock screen and the screen-off. The card displayed on the AOD interface can be called an AOD card, and the user can view the information pushed by the mobile phone through the AOD card when the mobile phone is not unlocked.

[0152] The above-mentioned graphic identifier can display a graphic identifier related to the payment service. For example, the icon is the application icon that provides the payment service.

[0153] The above-mentioned capsule can be displayed on any display interface. Among them, the capsule can include a status bar capsule and a floating capsule. The status bar capsule and the floating capsule will be introduced below.

[0154] Status bar capsule

[0155] Exemplarily, the above-mentioned status bar capsule can be displayed on the signal bar. Among them, the layer corresponding to the signal bar is located above the layer corresponding to the real-time display interface. During the process of the mobile phone switching the display interface, the display position of the signal bar remains unchanged. Of course, when the mobile phone enables the full-screen display mode (such as, displaying the game interface provided by the game application), the mobile phone can hide the signal bar. When the display mode of the mobile phone switches between the landscape display mode and the portrait display mode, the display position of the signal bar can change. The user can click on the status bar capsule to indicate switching to the payment interface corresponding to the payment service.

[0156] Floating capsule

[0157] Exemplarily, the above-mentioned floating capsule can be displayed at any position on the display interface, such as the right edge of the display interface. The user can click on the floating capsule to indicate that the mobile phone displays the payment interface corresponding to the payment service. In addition, the floating capsule can have an expanded state and a folded state. The expanded floating capsule occupies more display space, can display more content, and can display more relevant information than the folded floating capsule. The mobile phone defaults to displaying the floating capsule in the folded state. In response to the user's operation on the floating capsule, the expanded floating capsule is displayed. For example, the mobile phone uses the folded floating capsule to display the icon of the payment application to implement the push of the payment service. Then, in response to the user's operation, the expanded floating capsule can be displayed. The above-mentioned expanded floating capsule includes multiple configuration items, and each configuration item corresponds to an entrance to the payment service, such as an entrance to the application service in the payment application (such as, the entrance to the code scanning service, the entrance to the payment service).

[0158] It should be noted that if the payment interface is currently displayed on the mobile phone, the mobile phone does not need to push the payment service again to avoid unnecessary pushing of the payment service.

[0159] In some embodiments, considering that the user may save a picture including a verification code (or referred to as a verification code picture), therefore, after obtaining the verification code picture, the mobile phone can parse the verification code picture to determine the corresponding usage location. When the usage location belongs to the target temporary location corresponding to the mobile phone, when arriving at the usage location, the mobile phone predicts that the user currently has the intention to use the verification code. Therefore, the mobile phone can push an electronic voucher service. When the user clicks on the electronic voucher service, the mobile phone can display an application interface including the verification code picture. Among them, the verification code picture is saved in the gallery application. Here, the application interface displayed on the mobile phone is the gallery application interface, realizing the quick display of the verification code, shortening the verification time of the verification code, improving the verification efficiency of the verification code, that is, realizing the payment efficiency.

[0160] In some embodiments, the information of the above-mentioned target temporary location further includes location-associated service information. The electronic device can also push the location-associated service corresponding to the location according to the type of the arrived location. Exemplarily, the location-associated service can include one or more of a membership card service, a medical insurance card service, and a quick payment service (such as a parking quick payment service). For example, when arriving at Supermarket A, since the user has a membership card of Supermarket A, the mobile phone can push a payment service and a membership card service. The membership card service is used to trigger the mobile phone to display the membership card of Supermarket A, such as Figure 7A shown, the mobile phone pushes a payment service 20 and a membership card service 21 on the main interface, or as Figure 7B shown, the mobile phone pushes a payment service 22 and a membership card service 23 on the interface of the map application. Among them, Supermarket A belongs to the target temporary location corresponding to the mobile phone.

[0161] Again, for example, when arriving at Hospital A, since the user has used a medical insurance card in the hospital, the mobile phone can push a payment service and a medical insurance card service. The medical insurance card service is used to trigger the mobile phone to display the user's electronic medical insurance card, such as Figure 8A shown, the mobile phone pushes a payment service 30 and a medical insurance card service 31 on the main interface, or as Figure 8B shown, the mobile phone pushes a payment service 32 and a medical insurance card service 33 on the interface of the map application. Among them, Supermarket A belongs to the target temporary location corresponding to the mobile phone.

[0162] Again, for example, when arriving at Parking Lot A, which supports touchless parking, the mobile phone can push a payment service and a touchless parking payment service, such as Figure 9 shown as a payment service 34 and a parking quick payment service 35. In response to a click operation on the payment departure control in the parking quick payment service 35, the mobile phone makes an automatic payment.

[0163] Optionally, the above venue-related services may further include nearby services, such as Figure 10A the nearby food service shown, or nearby shopping services, nearby leisure services, etc.

[0164] In addition, determining whether the user has reached the consumption venue may refer to whether the user has entered the geographical fence corresponding to the consumption venue. When the user enters the geographical fence corresponding to the consumption venue, it indicates that the user has reached the vicinity of the consumption venue, and the mobile phone can push nearby services to enable the user to understand the nearby merchants of the consumption venue. Among them, the higher the accuracy of the geographical fence corresponding to the consumption venue, when the mobile phone enters the geographical fence corresponding to the consumption venue, it indicates that the mobile phone is closer to the consumption venue, and thus the recommended nearby services are more accurate.

[0165] Optionally, the above venue-related services may further include in-store services, which are used to trigger the electronic device to display the product information of the consumption venue where the user has arrived, such as the latest new product information (as Figure 10B shown).

[0166] Optionally, the information of the above target temporary venue may further include the historical walking trajectory (or referred to as the historical movement trajectory) corresponding to the target temporary venue. For the target temporary venue that the user often visits, the mobile phone can start from the moment when the mobile phone enters the geographical fence corresponding to the target temporary venue until the mobile phone completes the payment, record the walking trajectory of the user during this stage, so as to obtain the historical walking trajectory corresponding to the target temporary venue. After that, when the mobile phone enters the geographical fence corresponding to the target temporary venue again, the mobile phone records the current walking trajectory and compares the current walking trajectory with the historical walking trajectory. If the similarity between the two is greater than the preset similarity, the mobile phone can determine that the mobile phone has entered the target temporary venue, realize the accurate judgment of whether the user has arrived at the store, so as to accurately push the in-store service to the user, realize the push of differentiated services, and further provide more refined services.

[0167] Among them, the current walking trajectory (or referred to as the current movement trajectory) represents the movement trajectory from the moment when the mobile phone enters the geographical fence corresponding to the target temporary venue until the current time.

[0168] S209. The mobile phone pushes payment services based on the consumption pattern corresponding to the reached permanent stay venue and in combination with the information of the mobile phone.

[0169] In some embodiments, the above consumption pattern includes a consumption habit time period. The information of the mobile phone includes the current time of the mobile phone. When entering the geographical fence corresponding to the permanent residence place, it indicates that the mobile phone has arrived at the permanent residence place. The mobile phone can continue to determine whether the current time belongs to the consumption habit time period corresponding to the permanent residence place. When the current time belongs to the consumption habit time period, it indicates that the current time has reached the time when the user is used to consuming at the permanent residence place. The mobile phone predicts that the user currently has a payment intention, and then the mobile phone can push the payment service. When the current time does not belong to the consumption habit time period, the mobile phone predicts that the user currently does not have a payment intention, and then the mobile phone can not push the payment service.

[0170] In other embodiments, the above consumption pattern includes a consumption habit time period and habitual behavior information. For example, before the user consumes at the permanent residence place, the mobile phone is used to disconnecting WIFI1. Therefore, the mobile phone can determine whether the current time belongs to the consumption habit time period and whether the mobile phone has disconnected the WIFI1. When the current time belongs to the consumption habit time period corresponding to the permanent residence place and the mobile phone has disconnected the WIFI1, the mobile phone predicts that the user currently has a payment intention, and then the mobile phone can push the payment service. When the current time does not belong to the consumption habit time period, or the mobile phone has not disconnected the WIFI1, the mobile phone predicts that the user currently does not have a payment intention, and then the mobile phone can not push the payment service.

[0171] In some embodiments, the geographical fence corresponding to the permanent residence place may include multiple levels of geographical fences. The higher the level of the geographical fence, the higher the accuracy of the geographical fence. When it is determined that the mobile phone has reached the high-level geographical fence corresponding to the permanent residence place, it indicates that it has been accurately determined that the user has reached a certain consumption place in the permanent residence place, and the possibility that the user has a payment intention in the consumption place is relatively high. Therefore, the mobile phone can push the payment service without further combining the consumption pattern for judgment, so as to realize the timely push of the payment service.

[0172] Among them, the above high-level geographical fence may be a geographical fence other than the first-level geographical fence corresponding to the permanent residence place, such as a second-level geographical fence. For example, the permanent residence place includes a company, and the geographical fence of the company includes the geographical fence of a breakfast shop. When the mobile phone reaches the geographical fence of the breakfast shop, it indicates that the mobile phone has reached the high-level geographical fence corresponding to the company, and the mobile phone can push the payment service.

[0173] In some embodiments, the electronic device can also push the place-related service corresponding to the permanent residence place according to the type of the permanent residence place reached. The process of the mobile phone pushing the place-related service corresponding to the permanent residence place is similar to the process of the mobile phone pushing the place-related service corresponding to the target temporary place, and will not be elaborated here.

[0174] In the embodiments of the present application, when the user does not show the intention to use the payment service, but the mobile phone predicts that the user may need to use the payment service, the mobile phone can actively push the payment service to the user, without the user having to perform multiple steps to use the payment service of the mobile phone, improving the payment efficiency and the human-computer interaction efficiency.

[0175] In some embodiments, although the mobile phone pushes the payment service, whether it can effectively reach the user is also affected by other factors. For example, whether the user is using the mobile phone. To improve the efficiency of information reaching the user during the period when the user does not use the mobile phone, the mobile phone can also cooperate with the user's wearable device, such as a smart watch, to push the payment service to the user, so that the smart watch can display a floating capsule for pushing the payment service, ensuring that the payment service information reaches the user while reducing interference to the user and also improving the human-computer interaction efficiency of the user processing the payment service information through the smart watch. The following will take the smart watch with a circular dial as the wearable device as an example, and combine the attached Figure 11 to introduce the implementation process of the mobile phone cooperating with the smart watch to push the payment service to the user. Of course, the smart watch can also be a smart watch with a square dial, and the embodiments of the present application do not make specific limitations in this regard. Exemplarily, as Figure 11 shown, the implementation process may include:

[0176] S301. The mobile phone sends payment service collaborative push information to the smart watch.

[0177] Among them, the payment service collaborative push information is used to trigger the smart watch to push the payment service and display the entry of the payment service, which represents the information of the payment service pushed by the mobile phone to achieve the synchronous push of the payment service. Exemplarily, the payment service collaborative push information may include at least one of the payment service type, the application identifier corresponding to the payment service, and the electronic voucher information (such as the above-mentioned verification code picture).

[0178] The payment service may include one or more types of services such as a ride code service, a payment code service, an electronic voucher service, and a scan code service. The ride code service is used to trigger the smart watch to display an application interface including the ride code. The payment code service is used to trigger the smart watch to display an application interface including the payment code. The electronic voucher service is used to trigger the smart watch to display an application interface including the electronic voucher. The scan code service is used to trigger the smart watch to display an application interface including the scan function.

[0179] The application identifier corresponding to the payment service may represent the identifier of the application providing the payment service. Exemplarily, the application identifier corresponding to the payment service may be the identifier of the application providing the payment service on the mobile phone. For example, the above-mentioned payment service collaborative push information is used to trigger the smart watch to push the payment code service, and the identifier of the application providing the payment service on the mobile phone is the identifier of Application 1 (such as the above Figure 7AAs shown in [figure number], correspondingly, the application identifier corresponding to the payment service is the identifier of Application 1. Another example is that the above payment service collaborative push information is used to trigger the smartwatch to push the electronic voucher service. The identifier of the application on the mobile phone that provides the payment service is the identifier of the gallery application. Correspondingly, the application identifier corresponding to the payment service is the identifier of the gallery application. It should be understood that if the above payment service collaborative push information is used to trigger the smartwatch to push the electronic voucher service, the payment service collaborative push information may include the electronic voucher.

[0180] It should be noted that the above information such as the application identifier and payment type corresponding to the payment service may be the identifier of the application and the payment service type that the mobile phone is used to pay at the consumption place.

[0181] Optionally, the above payment service collaborative push information may further include other types of information, such as venue-associated services (or venue-associated service information), and the present application does not limit it.

[0182] S302. The smartwatch receives the payment service collaborative push information.

[0183] Among them, the payment service collaborative push information (or the first information) is used to trigger the smartwatch to push the payment service.

[0184] S303. In response to the above payment service collaborative push information, the smartwatch displays the transient floating capsule 1. Among them, the transient floating capsule 1 is used to push the payment service.

[0185] Among them, the transient floating capsule 1 may refer to the function entry for the user to quickly process the payment service collaborative push information, that is, the entry for the payment service.

[0186] In the embodiment of the present application, when receiving the payment service collaborative push information, if the smartwatch itself is in the screen-on state, the smartwatch predicts that the user currently has the intention to use the smartwatch for payment, then the smartwatch can directly display the transient floating capsule 1.

[0187] If the smartwatch itself is in the screen-off state, the smartwatch can enter the screen-on state when detecting Action 1. Then, the smartwatch can display the above transient floating capsule 1. Without detecting Action 1, the smartwatch does not display the above transient floating capsule 1.

[0188] Among them, Action 1 is used to trigger the smartwatch to turn on the screen. For example, Action 1 is the wrist-lifting action of the user wearing the smartwatch. Considering that the user generally raises the wrist to view the information displayed on the smartwatch, therefore, when detecting the wrist-lifting action, the smartwatch can turn on the screen. Another example is that Dynamic 1 can be the operation of the user on the smartwatch, such as the operation of the relevant buttons on the smartwatch. In response to the operation of the user on the relevant buttons, the smartwatch can turn on the screen.

[0189] In some embodiments, the above-mentioned transient suspension capsule 1 can be displayed on a part of the user interface of the smartwatch, such as the negative first screen, the intelligent interface, the dial interface, etc. Among them, the dial interface can be a dial interface generated by the smartwatch according to the image (background image), function controls, and time display mode (time in digital form, or time in pointer form) selected by the user, or a dial interface provided by a third-party application to avoid excessive interference to the user. For example, as Figure 12A shown, the mobile phone pushes the payment service 50 and sends payment service collaborative push information to the smartwatch. The smartwatch displays the dial interface 51. The smartwatch can, in response to the payment service collaborative push information, display the transient suspension capsule 52 on the dial interface 51, and the transient suspension capsule 52 serves as an entry for the payment service.

[0190] In addition, the smartwatch can also display the above-mentioned transient suspension capsule on all user interfaces of the smartwatch.

[0191] Optionally, when receiving the payment service collaborative push information, if the payment interface currently displayed on the smartwatch, then the smartwatch may not display the transient suspension capsule 1 to avoid repeated pushing.

[0192] S304. The smartwatch, in response to the user's click operation on the transient suspension capsule 1, displays the payment interface.

[0193] In the embodiments of the present application, when the smartwatch receives the user's click operation on the transient suspension capsule 1, it indicates that the user wants to make a payment, then the smartwatch can display the payment interface. For example, the user clicks on the transient suspension capsule 52 as shown above Figure 12A and the payment interface 53 as shown in Figure 12B is displayed.

[0194] Among them, the payment interface displayed by the above-mentioned smartwatch can be the interface of the application corresponding to the application identifier of the payment service pushed by the mobile phone. When the smartwatch has installed the application corresponding to the application identifier of the payment service, the smartwatch can directly display the payment interface of the application to be consistent with the payment service pushed by the mobile phone. For example, the application identifier for the mobile phone to provide the payment service is the identifier of Application 1. If the smartwatch has also installed Application 1, then the smartwatch, in response to the user's click operation on the transient suspension capsule 1, can display the payment interface of Application 1.

[0195] When the smartwatch does not have the application corresponding to the application identifier of the payment service installed, the smartwatch can directly display the payment interfaces of other payment applications installed on the smartwatch to implement the push of the payment service. For example, the identifier of the application that provides the payment service on the mobile phone is the identifier of Application 1, and the payment service is the payment code service. If the smartwatch does not have Application 1 installed but has Application 2 installed, then in response to the user's click operation on the transient floating capsule 1, the smartwatch can display the interface of Application 2 that includes the payment code.

[0196] Optionally, when the smartwatch already has the application corresponding to the application identifier of the payment service installed and the application has been authorized for binding, then the smartwatch can directly display the payment interface of the application. When the smartwatch already has the application corresponding to the application identifier of the payment service installed, but the application has not been authorized for binding, the smartwatch can output guiding information to guide the user to authorize the binding so that the smartwatch can use the application.

[0197] In some embodiments, the above transient floating capsule 1 includes at least one payment service control, and the payment service control can be a graphic identifier and / or text content. In one case, the transient floating capsule 1 includes one payment service control (such as the transient floating capsule shown above Figure 12A which only includes the payment code control). When the smartwatch receives the user's click operation on the payment service control, it can display the corresponding payment interface.

[0198] In another case, the transient floating capsule 1 includes multiple payment service controls. When the smartwatch receives the user's click operation on the target payment service control among the multiple payment service controls, it displays the payment interface corresponding to the target payment service control. For example, the smartwatch displays a payment code control and a scanning code control. When the user clicks the scanning code control, the smartwatch, in response to the click operation on the scanning code control, displays the scanning code interface.

[0199] In some embodiments, the above collaborative push service information may further include venue-associated service information. Correspondingly, the above smartwatch can also push venue-associated services. The above transient floating capsule 1 can include a venue-associated service control, and the form of the venue-associated service control can be text or a graphic identifier. When the user clicks the venue-associated service control, the smartwatch, in response to the click on the venue-associated service control, can display venue-associated service information, such as nearby service information (such as nearby food information) and in-store service information.

[0200] In some embodiments, after displaying the above transient floating capsule 1, the smartwatch can cancel the display of the transient floating capsule 1 according to the set disappearance rules. Several possible disappearance rules will be introduced below.

[0201] In one implementation, the smartwatch can cancel the display of the transient floating capsule 1 when the user does not process it, that is, the transient floating capsule 1 can disappear automatically. When the smartwatch displays the transient floating capsule 1, it counts the display duration of the transient floating capsule. After the display duration of the transient floating capsule 1 reaches the preset duration 1, the smartwatch 1 can cancel the display of the transient floating capsule 1. As Figure 13A shown, when the smartwatch displays the dial interface 71, for example, at time T0, in response to the payment service notification information from the mobile phone, it can display the transient floating capsule 72, which includes a payment code service control (i.e., the graphical identifier and key content of the payment service). When the display duration of the transient floating capsule 72 reaches the preset duration 1 and no operation of the user on the transient floating capsule 72 is received, for example, at time T3, the smartwatch cancels the display of the transient floating capsule 72. Among them, Figure 13A the transient floating capsule 72 in

[0202] can be the above transient floating capsule 1.

[0203] Based on this, if the time for the smartwatch to display the transient floating capsule 1 reaches the preset time 1, it indicates that the user may not have a current payment intention. Therefore, the smartwatch can cancel the display of the transient floating capsule 1 to prevent the transient floating capsule 1 from affecting the normal use of the smartwatch by the user.

[0204] In some other embodiments, the smartwatch can cancel the display of the transient floating capsule 1 after detecting the user's operation on the transient floating capsule 1. Before the display duration of the transient floating capsule reaches the preset duration 1, if the smartwatch detects the user's operation on the transient floating capsule 1, it can also cancel the display of the above transient floating capsule 1. If the user processes the payment service corresponding to the transient floating capsule 1 through the mobile phone or the smartwatch, the smartwatch can also cancel the display of the above transient floating capsule 1.

[0205] For example, as described above Figure 13AAs shown, during the display of the watch face interface 71 on the smartwatch, for example, at time T0, in response to the payment service collaboration push information from the mobile phone, the smartwatch can display the transient floating capsule 72. Before the display duration of the transient floating capsule 72 reaches the preset duration 1, for example, at time T1 on the smartwatch, it detects the user's operation on the transient floating capsule 72, such as clicking on the transient floating capsule 72, and the smartwatch can display the application interface 74 corresponding to the payment service. After displaying the application interface 74, for example, at time T2, in response to the user's operation indicating to exit (or return), the watch face interface 71 is displayed again. Among them, the watch face interface 71 displayed again does not contain the transient floating capsule 72. Among them, here the transient floating capsule 72 can be the above-mentioned transient floating capsule 1.

[0206] In addition, the above operation on the transient floating capsule 1 can also include an operation to indicate canceling the transient floating capsule 1. For example, during the display of the transient floating capsule 1 on the smartwatch, in response to the user's operation, the display of the transient floating capsule 1 can be canceled, enabling the user to manually remove the transient floating capsule 1. Among them, the operation to indicate canceling the display of the transient floating capsule can be a downward sliding operation, and the starting point of the sliding trajectory of this downward sliding operation is within the display space of the transient floating capsule 1, which can be called a downward sliding operation relative to the transient floating capsule 1. For example, Figure 13B For example, during the display of the watch face interface containing the transient floating capsule 80 on the smartwatch, in response to the user's downward sliding operation relative to the transient floating capsule 80, the transient floating capsule 80 in the watch face interface is canceled from display.

[0207] Among them, optionally, if the user manually removes the above-mentioned transient floating capsule 1 displayed on the smartwatch, then within the entire payment intention cycle, the smartwatch will no longer display the transient floating capsule 1, that is, the smartwatch will no longer push the payment service. This payment intention cycle represents the period from when the mobile phone starts to display the payment service until the mobile phone cancels the display of the payment service. Among them, the cancellation rule used by the mobile phone to cancel the display of the payment service is similar to the disappearance rule used by the above-mentioned smartwatch, and will not be elaborated here.

[0208] Optionally, after the end of the payment intention cycle, the mobile phone can notify the smartwatch to cancel the display of the payment service to ensure the synchronization of the payment service.

[0209] In addition, the smartwatch can also stop displaying the transient floating capsule 1 according to other disappearance rules. For example, if the number of times the smartwatch pushes the payment service through the transient floating capsule 1 reaches N times and no operation of the user on the transient floating capsule 1 is detected, the smartwatch will no longer display the transient capsule corresponding to the target information within a preset time interval, where N is a pre-configured positive integer, such as N = 3. The preset time interval can be the time interval between the current time point and 12 o'clock at night. Of course, the smartwatch can also lift the limit on the number of times of pushing the payment service, that is, when the smartwatch receives the payment service collaborative push information sent by the mobile phone, if the smartwatch lights up the screen, it can display the above transient floating capsule 1 to prevent the user from being unable to quickly use the payment service.

[0210] In the embodiments of the present application, during the entire payment intention cycle of the mobile phone, when the smartwatch detects an action 1 (such as raising the wrist), the smartwatch can light up the screen and push the payment service to ensure the timeliness of pushing the payment service.

[0211] It should be noted that the above takes the transient floating capsule as an example to introduce how the smartwatch pushes the payment service. The smartwatch can also push the payment service in the form of a permanent floating capsule, that is, when the smartwatch receives the payment service collaborative push information, it can display the permanent floating capsule, and the permanent floating capsule is used to push the payment service. Generally speaking, when the smartwatch receives the payment service collaborative push information, it can display a floating capsule, and the floating capsule is used to push the payment service.

[0212] Among them, the permanent floating capsule means that if no operation of the user on the permanent floating capsule is received, the smartwatch can always display the floating capsule. In addition, when the smartwatch detects an operation on the permanent floating capsule, it can cancel the display of the permanent floating capsule. Among them, the above operation on the permanent floating capsule can include an operation indicating the processing of the payment service corresponding to the permanent floating capsule, or the operation on the permanent floating capsule can include an operation indicating the cancellation of the display of the permanent floating capsule, such as the operation of the user removing the permanent floating capsule.

[0213] In some embodiments, the smartwatch displays a floating capsule for indicating a push service according to the principle of later arrival first. When the smartwatch stops displaying the above transient floating capsule 1, the smartphone can continue to display a floating capsule for indicating the push of other services. The time point for indicating the push of other services is earlier than the time point for indicating the push of the payment service. That is to say, the time point when the smartwatch receives the service collaboration push information corresponding to other services is earlier than the time point when it receives the payment service collaboration push information. For example, the smartwatch receives a ride-hailing service collaboration push message from the mobile phone at time point 1. The ride-hailing service collaboration push message includes a ride-hailing notification message, such as a ride-hailing notification indicating that the vehicle has arrived at the user-specified departure location. In response to the ride-hailing service collaboration push message, the smartwatch displays a floating capsule corresponding to the ride-hailing service. After that, the smartwatch receives a payment service collaboration push message from the mobile phone at time point 2. This time point 2 is later than time point 1. The smartwatch stops displaying the floating capsule corresponding to the ride-hailing service and displays a floating capsule corresponding to the payment service, such as the above transient floating capsule 1.

[0214] Optionally, the above other services may include ride-hailing services, navigation services, food delivery services, game services, itinerary reminder services, earthquake warning services, access control services, attendance reminder services, express pick-up services, etc.

[0215] In addition, the above floating capsule is only one form of pushing the payment service (or the touch entry for describing the payment service). The smartwatch can also push the payment service in other forms, such as pushing the payment service in the form of notification messages, icons, cards, etc. The present application does not limit the push form of the payment service. That is to say, the present application does not limit the specific display method of the entry of the payment service.

[0216] The above S301-S304 introduced the process of how the mobile phone collaborates with the smartwatch to push the payment service when predicting the user's current payment intention. However, when the mobile phone is in the black screen state, in order to reduce power consumption, the mobile phone no longer predicts the payment intention. Therefore, the mobile phone no longer triggers the smartwatch to collaborate in pushing the payment service, and the smartwatch will also be unable to actively push the payment service, resulting in the user still needing to perform relevant operations before being able to trigger the smartwatch to display the corresponding payment interface, resulting in low payment efficiency. Based on this, in order to enable the smartwatch to still actively push the payment service when the mobile phone is in the black screen state, the smartwatch can trigger the mobile phone to predict the payment intention in reverse. The reverse trigger process will be described below in combination with Figure 14 introduce the reverse trigger process, as Figure 14 shown, this process includes:

[0217] S401. When the smartwatch detects action 2, it enters the screen-on state.

[0218] Among them, the above-mentioned action 2 is used to trigger the smartwatch to turn on the screen. This action 2 is similar to the above-mentioned action 1 and may include a wrist-lifting action or other operations that can trigger the smartwatch to turn on the screen. It should be understood that when a user wants to use the smartwatch for payment, the user generally makes a wrist-lifting action. Therefore, when the wrist-lifting action of the user is detected, it indicates that there is a possibility that the user uses the payment function. Therefore, the smartwatch can use the mobile phone to further predict whether there is a payment intention.

[0219] S402. The smartwatch determines whether a preset trigger condition is met.

[0220] In the embodiment of the present application, the smartwatch can determine whether the smartwatch meets the preset trigger condition, that is, determine whether it is necessary to reverse-trigger the mobile phone to predict the payment intention. When the preset trigger condition is met, it indicates that there is a possibility that the user currently uses the smartwatch for payment, so it is necessary to reverse-trigger the mobile phone to predict the payment intention, and the smartwatch can execute S403.

[0221] When the preset trigger condition is not met, it indicates that there is no possibility that the user currently uses the smartwatch for payment, so it is not necessary to reverse-trigger the mobile phone to predict the payment intention, and the smartwatch can execute S410.

[0222] In some embodiments, the above-mentioned preset trigger condition may include that when the current time belongs to a certain consumption habit time period corresponding to the mobile phone, the time interval between the current time and the sending time of the previous prediction instruction (here or referred to as the first prediction instruction) is greater than or equal to the preset interval time 1, and / or when the current time does not belong to each consumption habit time period corresponding to the mobile phone, the time interval between the current time and the sending time of the previous prediction instruction (here or referred to as the second prediction instruction) is greater than or equal to the preset interval time 2. Based on this, within the user's consumption habit time period, the time interval between two reverse-triggerings of the mobile phone to predict the payment intention is not less than the preset interval time 1. Within the user's non-consumption habit time period, the time interval between two reverse-triggerings of the mobile phone to predict the payment intention is not less than the preset interval time 2. Thus, frequent reverse-triggerings are avoided, the power consumption loss of the mobile phone is avoided, and the user is not disturbed due to frequent reverse-triggerings.

[0223] Among them, the sending time of the above-mentioned previous prediction instruction (such as the above-mentioned first prediction instruction or second prediction instruction) represents the time when the smartwatch sent the prediction instruction last time. The above-mentioned consumption time period may be the consumption habit time periods corresponding to each resident place of the mobile phone sent by the mobile phone or the cloud.

[0224] Optionally, the above preset interval time 1 and preset interval time 2 can be set according to actual needs, and the two can be the same or different. Generally speaking, the above preset interval time 1 is less than preset interval time 2.

[0225] For example, the preset interval time 1 is 5 minutes, and the preset interval time 2 is 20 minutes. Taking the permanent stay place as the company and the preset interval time 1 as 5 minutes, and the corresponding consumption habit time period of the company including 12:30 to 1:00 noon as an example, the smart watch sent a prediction instruction to the mobile phone at 12:31. The user lifted the wrist at 12:35, and the smart watch detected Action 2 and entered the screen-on state. After the user looked at the time displayed on the smart watch, and did not perform other operations, the smart watch re-entered the black screen state. Since the time difference between the current time and the time when the previous prediction instruction was sent is less than 5 minutes, the smart watch does not meet the preset trigger condition and does not reverse-trigger the mobile phone to predict the payment intention. After that, the user lifted the wrist again at 12:45, and the smart phone detected Action 2 again. Since the current time belongs to the consumption habit time period and the interval time from 12:31 is greater than 5 minutes, the smart watch determines that the preset trigger condition is met.

[0226] Optionally, when the current time belongs to a certain consumption habit time period (or called consumption habit time period 1, the first consumption habit time period), the previous prediction instruction (i.e., the first prediction instruction) used by the smart watch refers to the sending time belonging to the consumption habit time period 2 (or called the second consumption habit time period), and is the most recently sent prediction instruction. The second consumption habit time period is any consumption habit time period corresponding to the mobile phone (i.e., the consumption habit time period corresponding to any permanent stay place of the mobile phone).

[0227] For example, the consumption habit time period of the smart watch includes 12:30 to 1:00 noon, and 8:30 to 9:30 in the morning. The smart watch sent a prediction instruction to the mobile phone at 9:25, and sent a prediction instruction to the mobile phone at 11:50. The current time is 12:31. Then the first prediction instruction can be the prediction instruction sent by the smart watch at 9:25.

[0228] Similarly, when the current time does not belong to all the consumption habit time periods corresponding to the electronic device, the previous prediction instruction (i.e., the second prediction instruction) used by the smart watch refers to the sending time not belonging to all the consumption habit time periods corresponding to the mobile phone, and is the most recently sent prediction instruction.

[0229] It should be noted that when the smart watch detects Action 2, it can also directly predict the payment intention without judging whether the preset trigger condition is met.

[0230] In some embodiments, to avoid predicting unnecessary payment intentions, the smartwatch can also determine whether a preset precondition is met before executing S402 above. The preset precondition includes at least one of the smartwatch not receiving the payment service collaboration push message sent by the mobile phone, the smartwatch being in a connected state with the mobile phone, the smartwatch being in a worn state, and the smartwatch not being in a motion state.

[0231] It can be understood that if the smartwatch receives the payment service collaboration push message sent by the mobile phone, it indicates that the mobile phone can predict the payment intention, and the smartwatch does not need to trigger the mobile phone to make a prediction anymore. If the smartwatch is not in a connected state with the mobile phone, then the smartwatch will not be able to communicate with the mobile phone, and there is no need to trigger the mobile phone to make a prediction anymore. If the smartwatch is not in a worn state, such as the watch being placed in a bag, the possibility of the user using the payment function of the smartwatch is relatively small, and the smartwatch does not need to trigger the mobile phone to make a prediction anymore. If the smartwatch is in a motion state, the possibility of the user using the payment function of the smartwatch is also relatively small, and the smartwatch does not need to trigger the mobile phone to make a prediction anymore.

[0232] Optionally, the smartwatch not receiving the payment service collaboration push message sent by the mobile phone means that the mobile phone has not synchronized the payment intention. Specifically, when the smartwatch has not received the payment service collaboration push message sent by the mobile phone within the preset time 2 before the current time, the smartwatch can determine that the mobile phone has not received the payment service collaboration push message sent by the mobile phone.

[0233] In the case where the preset precondition is not met, the mobile phone can skip the above S402 and directly execute S410 below, that is, there is no need to predict the payment intention. In the case where the preset precondition is met, the mobile phone can continue to execute the above S402.

[0234] It can be understood that if the above preset precondition includes one condition, then the smartwatch can determine that the preset precondition is not met when it determines that the one condition is not met. For example, if the above preset precondition includes the smartwatch being in a connected state with the mobile phone, then when the smartwatch determines that it is not in a connected state with the mobile phone, it determines that the preset precondition is not met.

[0235] If the above preset precondition includes multiple conditions, then the smartwatch can determine that the preset precondition is not met when it determines that any one of the multiple conditions is not met. For example, if the above preset precondition includes the smartwatch being in a connected state with the mobile phone and the smartwatch not being in a motion state, then when the smartwatch determines that it is not in a connected state with the mobile phone, or the smartwatch is in a motion state, it determines that the preset precondition is not met.

[0236] Alternatively, when it is determined that not all of the multiple conditions are met, it is determined that a preset precondition is not met.

[0237] In some embodiments, the above-described execution order of the preset precondition and the preset trigger condition is only an example, and the present application does not limit their execution order, as long as both are executed before S403 below. Additionally, the smartwatch can also only determine whether the preset precondition is met.

[0238] S403. The smartwatch sends a prediction instruction to the mobile phone.

[0239] Among them, the prediction instruction is used to trigger the mobile phone to predict the payment intention, that is, to determine whether to push the payment service.

[0240] S404. In response to the above prediction instruction, the mobile phone determines whether it has reached the consumption place corresponding to the mobile phone.

[0241] In the embodiments of the present application, the mobile phone determines whether it has reached the consumption place corresponding to the mobile phone. In the case where it has not reached the consumption place, the mobile phone can predict that the user currently has no payment intention, and the smartwatch does not need to push the payment service, so the mobile phone can execute S405.

[0242] In the case where it has reached the consumption place, if the reached consumption place is the target temporary place, the mobile phone can predict that the user currently has a payment intention, and the mobile phone can actively push the payment service, that is, it can execute S406.

[0243] If the reached consumption place is a permanent stay place, the mobile phone can continue to combine the consumption rules corresponding to the permanent stay place to predict the payment intention, so the mobile phone can execute S408.

[0244] S405. The mobile phone sends a payment service stop push message to the smartwatch.

[0245] Among them, the payment service stop push message instructs the smartwatch not to push the payment service. For example, there is no need to display the transient floating capsule 1, and the normal interface can be continued to be displayed.

[0246] S406. The mobile phone sends a payment service collaborative push message to the smartwatch.

[0247] S407. The smartwatch displays the transient floating capsule 1 in response to the above payment service collaborative push message.

[0248] In some embodiments, in the case of reaching the target temporary place, the mobile phone can trigger the smartwatch to push the payment service, and, in order to enable the user to use mobile payment, the mobile phone can also push the payment service.

[0249] S408. The mobile phone sends payment service collaborative push information to the smart watch based on the consumption pattern corresponding to the resident staying place it arrives at and in combination with the information of the mobile phone.

[0250] S409. The smart watch responds to the above payment service collaborative push information and displays the transient suspension capsule 1.

[0251] In some embodiments, similar to the situation of pushing the payment service when arriving at the target temporary place mentioned above, when the mobile phone predicts that there is also a payment intention of the mobile phone at the resident staying place, not only can it trigger the smart watch to push the payment service, but the mobile phone can also push the payment service, so that the user can use mobile phone payment and reduce the payment restrictions.

[0252] The above S403 - S409 introduce the process in which the smart watch meets the preset trigger condition and the smart watch reversely triggers the mobile phone to predict the payment intention. In addition, there is also a situation where the smart watch does not meet the preset trigger condition, and the situation where the smart watch does not meet the preset trigger condition will be introduced below.

[0253] In some embodiments, there is no sequential execution order between the above entering the lit screen state and the smart watch pushing the payment service (such as displaying the transient suspension capsule 1). The smart watch can enter the lit screen state first and then push the payment service, or it can enter the lit screen state and push the payment service at the same time. This application does not limit it.

[0254] S410. The smart watch does not send a prediction instruction to the mobile phone.

[0255] In the embodiments of this application, when the smart watch does not meet the preset trigger condition, the smart watch does not need to push the payment service, that is, it does not need to reversely trigger the mobile phone to predict the payment intention, avoiding unnecessary pushing of the payment service and reducing the waste of resources.

[0256] In the embodiments of this application, when the smart watch is blacked out, if it detects the user's action 2, the smart watch lights up. If the smart watch predicts that the user wants to use the service of the smart watch, the smart watch can reversely trigger the mobile phone to predict whether the user wants the payment service of the smart watch, so as to realize the timely push of the payment service, simplify the process of the user using the electronic device for payment, and enable the smart watch to still push the payment service even when the mobile phone is blacked out. For example Figure 15 As shown, when the mobile phone is held in the user's hand, hung around the user's neck, placed in the user's clothes pocket, or placed in the bag carried by the user, the mobile phone is in the blacked - out state, but the smart watch can still push the payment service.

[0257] In some embodiments, the smart watch or the mobile phone can also directly display the payment interface without first displaying the payment service. When the user triggers the payment service (such as clicking on the payment service), the payment interface is displayed.

[0258] It should be noted that the information about the user obtained by the above-mentioned mobile phone and smart watch (such as the above-mentioned consumption behavior data, information about the consumption places corresponding to other users, the current location information of the mobile phone, etc.) and the operations performed (such as the push of payment services, the push of venue-related services) are all carried out under the authorization of the user.

[0259] In some embodiments, the present application provides a computer-readable storage medium, including computer instructions, which when running on an electronic device, cause the electronic device to execute the payment service push method as described above.

[0260] In some embodiments, the present application provides a computer program product, which when running on an electronic device, causes the electronic device to execute the payment service push method as described above.

[0261] Through the description of the above embodiments, those skilled in the art can clearly understand that for the convenience and simplicity of description, only the above-mentioned division of each functional module is used as an example. In actual applications, the above functions can be allocated to different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above.

[0262] In several embodiments provided by the present application, it should be understood that the disclosed device and method can be implemented in other ways. For example, the device embodiments described above are only illustrative. For example, the division of the module or unit is only a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components can be combined or integrated into another device, or some features can be ignored or not executed. Another point, the displayed or discussed coupling or direct coupling or communication connection between each other can be through some interfaces. The indirect coupling or communication connection of the device or unit can be in an electrical, mechanical or other form.

[0263] The unit described as a separated component may or may not be physically separated. The component displayed as a unit may be a physical unit or multiple physical units, that is, it can be located in one place, or it can be distributed to multiple different places. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0264] In addition, each functional unit in various embodiments of the present application can be integrated in a processing unit, or each unit can exist physically alone, or two or more units can be integrated in one unit. The above-mentioned integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

[0265] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a readable storage medium. Based on such understanding, the technical solution of the embodiments of the present application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. The software product is stored in a storage medium and includes several instructions for causing a device (which can be a single-chip microcomputer, a chip, etc.) or a processor to execute all or part of the steps of the methods described in the embodiments of the present application. The foregoing storage medium includes: various media such as USB flash drives, mobile hard disks, read only memory (ROM), random access memory (RAM), magnetic disks, or optical discs that can store program codes.

[0266] The above content is only the specific implementation manner of the present application, but the protection scope of the present application is not limited thereto. Any changes or substitutions within the technical scope disclosed in the present application should be covered by the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the protection scope of the claims.

Claims

1. A payment service push method, characterized in that, Applied to a wearable device, the method includes: The wearable device detects a first action; In response to the first action, the wearable device sends a prediction instruction to the electronic device; wherein, the prediction instruction is used to trigger the electronic device to predict whether to push a payment service; The wearable device receives a first piece of information from the electronic device; In response to the first piece of information, the wearable device displays a payment interface.

2. The method according to claim 1, wherein Before the wearable device sends a prediction instruction to the electronic device, the method further includes: The wearable device determines that a first preset condition is met; wherein, the first preset condition includes that when the current time belongs to the first consumption habit time period corresponding to the electronic device, the time interval between the current time and the sending time of the first prediction instruction is greater than or equal to a first preset time interval; or, when the current time does not belong to any of the consumption habit time periods corresponding to the electronic device, the time interval between the current time and the sending time of the second prediction instruction is greater than or equal to a second preset time interval; The first prediction instruction or the second prediction instruction represents the most recently sent prediction instruction by the wearable device.

3. The method according to claim 2, wherein The first prediction instruction represents the prediction instruction whose sending time of the most recently sent by the wearable device belongs to the second consumption habit time period corresponding to the electronic device; the second consumption habit time period represents any consumption habit time period corresponding to the electronic device; The second prediction instruction represents the prediction instruction whose sending time of the most recently sent by the wearable device does not belong to any of the consumption habit time periods corresponding to the electronic device.

4. The method according to any one of claims 1 to 3, characterized in that, Before the wearable device sends a prediction instruction to the electronic device, the method further includes: The wearable device determines that a second preset condition is met; wherein, the second preset condition includes that the wearable device has not received the first piece of information from the electronic device, the wearable device is in a connected state with the electronic device, the wearable device is in a worn state, and the wearable device is not in a moving state, at least one of them.

5. The method according to any one of claims 1 to 4, characterized in that, After the wearable device sends a prediction instruction to the electronic device, the method further includes: The wearable device receives a second piece of information from the electronic device, and the second piece of information instructs the wearable device not to display a payment service; wherein, the payment service is used to trigger the wearable device to display a payment interface.

6. The method according to any one of claims 1 to 4, characterized in that, After the wearable device sends a prediction instruction to the electronic device, the method further includes: The wearable device receives a third piece of information from the electronic device; In response to the third piece of information, the wearable device displays a venue-related service, and the venue-related service represents the service associated with the consumption venue where the wearable device currently arrives.

7. The method according to any one of claims 1 to 6, characterized in that, The method further includes: The wearable device receives a fourth piece of information sent by the electronic device; In response to the fourth piece of information, the wearable device displays a payment service and / or a venue-related service.

8. The method according to any one of claims 1 to 7, characterized in that Applied to a wearable device in a black screen state, the first action is used to trigger the wearable device to enter a lit screen state.

9. A payment service push method, characterized in that, Applied to an electronic device, the method includes: When the electronic device arrives at the consumption place corresponding to the electronic device, the electronic device displays a payment service; In response to a triggering operation of the user on the payment service, a payment interface is displayed; Wherein, the consumption place indicates a first regular stay place, the payment service is correlated with consumption pattern information corresponding to the first regular stay place, and the first regular stay place means a place where the electronic device has consumed and the stay time of the electronic device is greater than a first preset time; Or, the consumption place indicates a first temporary place, and the first temporary place means a place where the electronic device and / or other devices have consumed and the stay time of the electronic device is less than or equal to the first preset time.

10. The method according to claim 9, wherein The consumption place indicates a first temporary place, and the method further includes: The electronic device displays a place-associated service corresponding to the first temporary place; wherein, the place-associated service means a service associated with the first temporary place.

11. The method according to claim 10, characterized in that, The place-associated service includes one or more of in-store services, nearby services, membership card services, medical insurance card services, medical treatment card services, and quick payment services.

12. The method according to claim 10 or 11, characterized in that, The place-associated service includes an in-store service; the in-store service is used to trigger the electronic device to display product information of the first temporary place; The electronic device displays a place-associated service corresponding to the first temporary place, including: The electronic device determines the similarity between the current movement trajectory and the historical movement trajectory corresponding to the first temporary place; wherein, the historical movement trajectory corresponding to the first temporary place means the movement trajectory of the device from entering the geographical fence corresponding to the first temporary place until the device completes payment; When the similarity is greater than a preset similarity, the electronic device displays the in-store service corresponding to the first temporary place.

13. The method according to any one of claims 9 to 12, characterized in that The consumption pattern information includes a consumption habit time period and habit behavior information, and the habit behavior information means a regular behavior performed by the electronic device before completing payment at the first regular stay place.

14. A payment service push method, characterized in that, Applied to an electronic device, the method includes: The electronic device receives a prediction instruction from a wearable device; In response to the prediction instruction, when the electronic device arrives at the consumption place corresponding to the electronic device, the electronic device sends a first message to the wearable device; wherein, the first message is used to trigger the wearable device to push a payment service; Wherein, the consumption place indicates a first regular stay place, the payment service is correlated with consumption pattern information corresponding to the first regular stay place, and the first regular stay place means a place where the electronic device has consumed and the stay time of the electronic device is greater than a first preset time; Or, the consumption place indicates a first temporary place, and the first temporary place means a place where the electronic device and / or other devices have consumed and the stay time of the electronic device is less than or equal to the first preset time.

15. A wearable device, characterized in that, The wearable device includes a display screen, a memory, and one or more processors; the display screen, the memory, and the processors are coupled; the display screen is configured to display an image generated by the processors, the memory is configured to store computer program code, and the computer program code includes computer instructions; when the processors execute the computer instructions, the wearable device is caused to perform the method according to any one of claims 1 to 8.

16. An electronic device, characterized in that, The electronic device includes a display screen, a memory, and one or more processors; the display screen, the memory, and the processors are coupled; the display screen is configured to display an image generated by the processors, the memory is configured to store computer program code, and the computer program code includes computer instructions; when the processors execute the computer instructions, the electronic device is caused to perform the method according to any one of claims 9 to 14.

17. A computer-readable storage medium, characterized in that, It includes computer instructions that, when running on a wearable device, cause the wearable device to perform the method according to any one of claims 1 to 8.

18. A computer-readable storage medium, characterized in that, It includes computer instructions that, when running on an electronic device, cause the electronic device to perform the method according to any one of claims 9 to 14.

19. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, the method according to any one of claims 1 to 14 is implemented.

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