Electronic payment processing method and device, electronic equipment, computer readable storage medium and computer program product

Abstract

The invention provides an electronic payment processing method and device, electronic equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: establishing near field communication connection with a second terminal; receiving a payment mode indication signal sent by the second terminal based on the near field communication connection, wherein the payment mode indication signal indicates a first payment mode to be used by the second terminal; and in response to the payment mode indication signal, outputting payment service information related to the first payment mode. According to the invention, the processing efficiency of electronic payment can be improved.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to an electronic payment processing method, device, electronic device, computer-readable storage medium, and computer program product. Background Art

[0002] Applying biometrics to electronic payment scenarios in applications can improve the convenience of payment.

[0003] For example, palm-swipe payment terminals support multiple payment methods, including payment by code, scan code, palm-swipe payment, and verification of related coupon packages on the merchant platform. Supporting multiple payment methods requires switching between payment service modes based on the user's preferred payment method, significantly impacting payment processing efficiency. Summary of the Invention

[0004] The embodiments of the present application provide an electronic payment processing method, device, electronic device, computer-readable storage medium, and computer program product, which can improve the processing efficiency of electronic payments.

[0005] The technical solution of the embodiment of the present application is implemented as follows:

[0006] The present embodiment provides an electronic payment processing method, applied to a first terminal, comprising:

[0007] establishing a short-range communication connection with a second terminal;

[0008] receiving a payment method indication signal sent by the second terminal based on the near field communication connection, the payment method indication signal indicating a first payment method to be used by the second terminal;

[0009] In response to the payment method indication signal, payment service information related to the first payment method is output.

[0010] The present application also provides an electronic payment processing method, which is applied to a second terminal and includes:

[0011] Establishing a short-range communication connection with the first terminal;

[0012] determining a first payment method to be used by the second terminal, and sending a payment method indication signal, wherein the payment method indication signal instructs the second terminal to use the first payment method to complete an electronic payment;

[0013] The payment method indication signal is used for the first terminal to perform the following processing: in response to the payment method indication signal, output payment service information related to the first payment method.

[0014] The present application also provides an electronic payment processing device, applied to a first terminal, including:

[0015] An establishing module, configured to establish a short-range communication connection with a second terminal;

[0016] a receiving module, configured to receive a payment method indication signal sent by the second terminal based on the near field communication connection, wherein the payment method indication signal indicates a first payment method to be used by the second terminal;

[0017] An output module is configured to output payment service information related to the first payment method in response to the payment method indication signal.

[0018] In the above scheme, the output module is also used to display a mode switching control for at least one second payment method different from the first payment method; based on the mode switching control, a mode switching instruction for the target second payment method is received, and the at least one second payment method includes the target second payment method; in response to the mode switching instruction, the output payment service information related to the first payment method is switched to payment service information related to the target second payment method.

[0019] In the above scheme, the output module is also used to display the at least one second payment method in response to the trigger operation of the method switching control; and receive the method switching instruction for the target second payment method in response to the confirmation selection operation for the target second payment method.

[0020] In the above scheme, the output module is also used to display the mode switching control of each second payment method, and the mode switching control corresponds to the second payment method one by one; the output module is also used to respond to the triggering operation of the mode switching control for the target second payment method and receive the mode switching instruction for the target second payment method.

[0021] In the above scheme, the output module is also used to output payment service information related to the first payment method, of at least one of the following types: voice type, text type, image type, video type, payment service interface type, and device prompt element output type.

[0022] In the above solution, the output module is further configured to output payment guidance information related to the first payment method when the target object corresponding to the second terminal belongs to the target group of the first payment method.

[0023] In the above solution, the output module is further used to obtain the electronic payment characteristics of the target object corresponding to the second terminal; based on the electronic payment characteristics, determine a third payment method to be recommended that is different from the first payment method; and output recommendation information of the third payment method.

[0024] In the above scheme, the establishment module is also used to identify at least one target terminal whose distance is less than a distance threshold, where the distance is the distance between the target terminal and the first terminal, and the at least one target terminal includes the second terminal; when the number of the target terminals is one, establish a short-range communication connection with the target terminal; when the number of the target terminals is multiple, perform one of the following processes: establish a short-range communication connection with each of the target terminals; establish a short-range communication connection with the second terminal with the strongest short-range communication signal among the multiple target terminals.

[0025] In the above scheme, the establishment module is also used to send a payment method acquisition signal to the second terminal in response to the second terminal having the strongest short-range communication signal among the multiple target terminals when establishing a short-range communication connection with each of the target terminals; the receiving module is also used to receive a payment method indication signal sent by the second terminal based on the short-range communication connection in response to the payment method acquisition signal.

[0026] In the above scheme, the establishment module is also used to obtain the signal indication parameters of the short-range communication signals of each of the target terminals; wherein the signal indication parameters include at least one of the signal strength indication parameters, the communication link quality parameters, and the communication link quality indication parameters; based on the signal indication parameters corresponding to each of the target terminals, the target terminal with the strongest short-range communication signal among the multiple target terminals is determined.

[0027] In the above scheme, when the first payment method is a biometric payment method, the output module is also used to control the first terminal to switch from a low-power mode to an activation mode in response to the payment method indication signal, and the activation mode is used to collect the biometric characteristics of the target object corresponding to the second terminal; in the activation mode, payment service information related to the biometric payment method is output.

[0028] In the above solution, the output module is also used to collect biometric features, wherein the biometric features are used for identification and authentication of electronic payments, and the biometric features include one of the following features: iris features, palm print features, facial features, and fingerprint features; in response to the biometric features matching the target account and the second terminal being associated with the electronic payment service in the target application, prompt information related to the electronic payment is output, wherein the target account is the account used to log in to the target application.

[0029] In the above scheme, the output module is further used to collect streaming data through a camera, wherein the streaming data includes multiple biometric images; based on comprehensive factors, the target biometric image is screened out from the streaming data, and the biometric feature is extracted from the target biometric image; wherein the comprehensive factors include at least one of the following: the size of the biometric feature in the biometric image, the angle of the biometric feature in the biometric image, the contrast of the biometric image, the brightness of the biometric image, and the clarity of the biometric image.

[0030] In the above solution, the output module is also used to control the application interface of the first terminal to be in silent mode, wherein the silent mode is used to shield the output of prompt information related to the biometric collection operation; and the biometric collection operation is performed based on the silent mode.

[0031] The embodiment of the present application further provides an electronic payment processing device, applied to a second terminal, comprising:

[0032] A communication establishing module, configured to establish a short-range communication connection with the first terminal;

[0033] a sending module, configured to determine a first payment method to be used by the second terminal, and send a payment method indication signal, wherein the payment method indication signal indicates that the second terminal is to use the first payment method to complete an electronic payment;

[0034] The payment method indication signal is used for the first terminal to perform the following processing: in response to the payment method indication signal, output payment service information related to the first payment method.

[0035] In the above solution, the sending module is further used to identify the change path of the human-computer interaction interface of the second terminal within the target time period; and determine the first payment method to be used by the second terminal based on the change path of the human-computer interaction interface.

[0036] An embodiment of the present application further provides an electronic device, including:

[0037] a memory for storing computer-executable instructions;

[0038] The processor is used to implement the electronic payment processing method provided in the embodiment of the present application when executing the computer-executable instructions stored in the memory.

[0039] An embodiment of the present application also provides a computer-readable storage medium storing computer-executable instructions or a computer program. When the computer-executable instructions or the computer program are executed by a processor, the electronic payment processing method provided in the embodiment of the present application is implemented.

[0040] An embodiment of the present application also provides a computer program product, including computer-executable instructions or a computer program. When the computer-executable instructions or the computer program are executed by a processor, the electronic payment processing method provided in the embodiment of the present application is implemented.

[0041] The embodiments of the present application have the following beneficial effects:

[0042] Applying the above-described embodiment of the present application, a short-range communication connection is first established with a second terminal; then, a payment method indication signal is received from the second terminal based on the short-range communication connection, wherein the payment method indication signal indicates the first payment method to be used by the second terminal; and then, in response to the payment method indication signal, payment service information related to the first payment method to be used by the second terminal is output. In this way, after the short-range communication connection is successfully established, the payment service information related to the first payment method to be used by the second terminal can be output in advance based on the payment method indication signal, thereby ensuring that the user can quickly make electronic payments based on the first payment method, thereby improving the processing efficiency of electronic payments. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] Figure 1 This is a schematic diagram of the architecture of the electronic payment processing system provided in an embodiment of the present application;

[0044] Figure 2 is a schematic structural diagram of an electronic device provided in an embodiment of the present application;

[0045] Figure 3A This is a flowchart of the electronic payment processing method provided in an embodiment of the present application;

[0046] Figure 3B This is a flow chart of the electronic payment processing method provided in the embodiment of the present application.

[0047] Figure 4 This is a schematic diagram of the architecture of the electronic payment processing system provided in an embodiment of the present application;

[0048] Figure 5 This is a schematic diagram of the architecture of the electronic payment processing system provided in an embodiment of the present application;

[0049] Figure 6 This is a schematic diagram of determining the payment method provided in the embodiment of the present application;

[0050] Figure 7 is a schematic diagram of a palm brushing device provided in an embodiment of the present application;

[0051] Figure 8A This is a schematic diagram of the payment method switching provided in the embodiment of the present application. Figure 1 ;

[0052] Figure 8B This is a schematic diagram of the payment method switching provided in the embodiment of the present application. Figure 2 . DETAILED DESCRIPTION

[0053] In order to make the purpose, technical solutions and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings. The described embodiments should not be regarded as limiting this application. All other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0054] In the following description, reference is made to “some embodiments”, which describes a subset of all possible embodiments, but it will be understood that “some embodiments” may be the same subset or different subsets of all possible embodiments and may be combined with each other without conflict.

[0055] In the following description, the terms "first\second\third" involved are merely used to distinguish similar objects and do not represent a specific ordering of the objects. It can be understood that "first\second\third" can be interchanged with a specific order or sequence where permitted, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein.

[0056] In the embodiments of the present application, the term "module" or "unit" refers to a computer program or a part of a computer program that has a predetermined function and works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as processing circuits or memories) or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be part of an overall module or unit that includes the function of the module or unit.

[0057] Unless otherwise defined, all technical and scientific terms used in the embodiments of the present application have the same meanings as those commonly understood by those skilled in the art. The terms used in the embodiments of the present application are only for the purpose of describing the embodiments of the present application and are not intended to limit the present application.

[0058] The relevant data collection and processing in the embodiments of this application should be strictly in accordance with the requirements of relevant laws and regulations when applied in examples, and the informed consent or separate consent of the personal information subject should be obtained. Subsequent data use and processing should be carried out within the scope of authorization of laws and regulations and the personal information subject.

[0059] Before further describing the embodiments of the present application in detail, the nouns and terms involved in the embodiments of the present application are explained. The nouns and terms involved in the embodiments of the present application are subject to the following interpretations.

[0060] 1) Client: An application running in a terminal to provide various services, such as an instant messaging client, an electronic payment client, etc.

[0061] 2) In response to: used to indicate the conditions or states on which the executed operations depend. When the dependent conditions or states are met, one or more operations executed can be in real time or with a set delay. Unless otherwise specified, there is no restriction on the order in which the multiple operations executed are executed.

[0062] 3) 3D camera: Compared with traditional cameras, it adds depth cameras, infrared cameras and other hardware and software to ensure information security.

[0063] 4) Serial Number (SN): It is an ID (identification) that uniquely identifies a device.

[0064] 5) Biometrics: These are the unique physiological characteristics or behaviors of each organism that can be measured, automatically identified, and verified. Biometrics can be divided into physiological characteristics (such as fingerprints, faces, irises, palm prints, etc.) and behavioral characteristics (such as gait, voice, handwriting, etc.).

[0065] 6) Biometric recognition: refers to the technology of using computers to use the physiological or behavioral characteristics inherent in organisms to authenticate personal identity, including palm recognition, face recognition, fingerprint recognition, retinal recognition, etc. Among them, palm recognition is a technology that exchanges identity information through palm multimedia information. For example, identification can be achieved by measuring the physical characteristics of the palm and fingers of an organism; face recognition is a technology that exchanges identity information through facial multimedia information. Face recognition includes facial recognition and facial authentication.

[0066] The embodiments of the present application provide an electronic payment processing method, apparatus, electronic device, computer-readable storage medium, and computer program product, which can improve the processing efficiency of electronic payments. Next, based on the above description of the nouns and terms involved in the embodiments of the present application, the embodiments of the present application are described in detail.

[0067] The following describes the electronic payment processing system provided by the embodiment of the present application. Figure 1 , Figure 11 is a schematic diagram of the architecture of an electronic payment processing system provided in an embodiment of the present application. To support an exemplary application, the electronic payment processing system 100 includes a server 200, a network 300, and terminals. The terminals (including a first terminal 400-1 and a second terminal 400-2) are connected to the server 200 via the network 300. The network 300 can be a wide area network (WAN), a local area network (LAN), or a combination of the two, using wireless or wired links for data transmission.

[0068] Here, a second terminal 400-2 (e.g., running a payment client) and a first terminal 400-1 (e.g., a palm-swipe terminal) establish a near-field communication connection; the second terminal determines a first payment method to be used and sends a payment method indication signal to the first terminal, indicating the first payment method to be used by the second terminal; the first terminal 400-1 receives the payment method indication signal sent by the second terminal over the near-field communication connection; and in response to the payment method indication signal, outputs payment service information related to the first payment method. Continuing, when a user makes a payment using the first payment method, the first terminal 400-1 obtains authentication information for payment authentication and sends the authentication information to the server 200; the server 200 receives the authentication information and verifies the authentication information to obtain a verification result; if the verification result indicates that the verification has passed, a payment success notification message is returned to the first terminal 400-1; if the verification result indicates that the verification has failed, a payment failure notification message is returned to the first terminal 400-1; the terminal 400-1 receives and outputs the notification message.

[0069] In some embodiments, the electronic payment processing method provided in the embodiments of the present application is implemented by an electronic device, for example, by a terminal alone, by a server alone, or by a terminal and a server in collaboration. The embodiments of the present application can be applied to various scenarios, including but not limited to cloud technology, artificial intelligence, smart transportation, assisted driving, instant messaging, electronic payment, etc.

[0070] In some embodiments, the electronic device for implementing the electronic payment processing method provided in the embodiments of the present application may be various types of terminals or servers. Among them, the server may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers. The first terminal may be a payment terminal that supports payment, such as a palm-swiping payment terminal, a face-swiping payment terminal, etc.; the second terminal may be a laptop computer, a tablet computer, a smart phone, an intelligent voice interaction device (such as a smart speaker), a smart watch, a car terminal, a wearable device, a virtual reality (VR) device, etc., but is not limited thereto. Each terminal (including the first terminal and the second terminal) and the server may be directly or indirectly connected via wired or wireless communication, and the embodiments of the present application do not limit this.

[0071] In some embodiments, the electronic payment processing method provided in the embodiments of the present application can be implemented with the help of artificial intelligence (AI) technology. Artificial intelligence is a comprehensive technology in computer science. By studying the design principles and implementation methods of various intelligent machines, the machine is given the functions of perception, reasoning and decision-making. Artificial intelligence technology is an interdisciplinary subject, generally including sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technology, pre-trained model technology, operation / interaction systems, mechatronics, etc. Among them, the pre-trained model is also called a large model or a basic model. After fine-tuning, it can be widely used in downstream tasks in various major directions of artificial intelligence. For example, for biometric recognition verification during electronic payment, such as palm print recognition verification during palm payment, face recognition verification during face payment, iris recognition verification during eye payment, etc., all can be implemented using pre-trained machine learning models (such as palm print recognition models, face recognition models, iris recognition models and other biometric recognition models).

[0072] In some embodiments, the electronic payment processing method provided in the embodiments of the present application can be implemented with the aid of cloud technology. Cloud technology refers to a hosting technology that unifies a series of resources such as hardware, software, and network within a wide area network or a local area network to realize the calculation, storage, processing, and sharing of data. Cloud technology is a general term for network technology, information technology, integration technology, management platform technology, and application technology based on the cloud computing business model application. It can form a resource pool that can be used on demand and is flexible and convenient. Cloud computing technology will become an important support. The background services of the technical network system require a large amount of computing resources and storage resources. As an example, the server (such as server 200) can also be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms.

[0073] In some embodiments, the terminal or server can implement the electronic payment processing method provided in the embodiment of the present application by running various computer executable instructions or computer programs. For example, computer executable instructions can be microprogram-level commands, machine instructions or software instructions. The computer program can be a native program or software module in the operating system; it can be a local (Native) application (Application, APP), that is, a program that needs to be installed in the operating system to run, such as an instant messaging APP, an electronic payment APP; it can also be a small program that can be embedded in any APP, that is, a program that can be run only by downloading it to a browser environment. In short, the above-mentioned computer executable instructions can be instructions in any form, and the above-mentioned computer program can be an application, module or plug-in in any form.

[0074] The following describes an electronic device that implements an electronic payment processing method provided by an embodiment of the present application. Figure 2 , Figure 2 Schematic diagram of the structure of the electronic device provided in the embodiment of the present application. The electronic device 500 provided in the embodiment of the present application can be a terminal or a server. Figure 2 As shown, the electronic device 500 includes: at least one processor 510, a memory 550, at least one network interface 520 and a user interface 530. The various components in the electronic device 500 are coupled together via a bus system 540. It is understood that the bus system 540 is used to achieve connection and communication between these components. In addition to the data bus, the bus system 540 also includes a power bus, a control bus and a status signal bus. However, for the sake of clarity, the bus system 540 is not described in detail. Figure 2 Various buses are labeled as bus system 540 .

[0075] The processor 510 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., where the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0076] The user interface 530 includes one or more output devices 531 that enable presentation of media content, including one or more speakers and / or one or more visual display screens. The user interface 530 also includes one or more input devices 532, including user interface components that facilitate user input, such as a keyboard, mouse, microphone, touch screen display, camera, other input buttons and controls.

[0077] The memory 550 may be removable, non-removable, or a combination thereof. The memory 550 may include one or more storage devices physically remote from the processor 510. The memory 550 includes volatile memory or non-volatile memory, or may include both volatile memory and non-volatile memory. The non-volatile memory may be a read-only memory (ROM), and the volatile memory may be a random access memory (RAM). The memory 550 described in the embodiments of the present application is intended to include any suitable type of memory.

[0078] In some embodiments, the memory 550 can store data to support various operations, examples of which include programs, modules, and data structures, or a subset or superset thereof, as exemplified below.

[0079] Operating system 551, including system programs for processing various basic system services and performing hardware-related tasks, such as the framework layer, core library layer, driver layer, etc., for implementing various basic services and processing hardware-based tasks;

[0080] A network communication module 552 for reaching other electronic devices via one or more (wired or wireless) network interfaces 520 , exemplary network interfaces 520 including Bluetooth, Wi-Fi, and Universal Serial Bus (USB);

[0081] a presentation module 553 for enabling presentation of information via one or more output devices 531 (e.g., a display screen, a speaker, etc.) associated with the user interface 530 (e.g., a user interface for operating peripheral devices and displaying content and information);

[0082] The input processing module 554 is configured to detect one or more user inputs or interactions from one of the one or more input devices 532 and to translate the detected inputs or interactions.

[0083] In some embodiments, the electronic payment processing device provided in the embodiments of the present application can be implemented in software. Figure 2 An electronic payment processing device 555 stored in a memory 550 is shown, which can be software in the form of a program and a plug-in, including the following software modules: an establishment module 5551, a receiving module 5552 and an output module 5553. These modules are logical, and therefore can be arbitrarily combined or further split according to the functions implemented. The functions of each module will be explained below.

[0084] The following describes the electronic payment processing method provided by the embodiment of the present application. As mentioned above, the electronic payment processing method provided by the embodiment of the present application is implemented by an electronic device, for example, it can be implemented by a server or a terminal alone, or by a server and a terminal in collaboration. Therefore, the execution entity of each step will not be repeated below. Figure 3A , Figure 3A : is a flow chart of an electronic payment processing method provided in an embodiment of the present application. The electronic payment processing method provided in an embodiment of the present application includes:

[0085] Step 101: Establish a short-range communication connection with a second terminal.

[0086] Here, it refers to a short-range communication connection between a first terminal and a second terminal. This short-range communication connection can be implemented based on near-field communication technologies such as Bluetooth. The first terminal can be a terminal used for electronic payment, such as a palm-scanning terminal, a face-scanning terminal, a QR code scanning terminal, etc. The second terminal is a user terminal and can be equipped with a client that supports electronic payment.

[0087] In some embodiments, a short-range communication connection with a second terminal can be established by executing the following steps: identifying at least one target terminal whose distance is less than a distance threshold, where the distance is the distance between the target terminal and the first terminal, and the at least one target terminal includes the second terminal; when the number of target terminals is one, establishing a short-range communication connection with the target terminal; when the number of target terminals is multiple, performing one of the following processes: establishing a short-range communication connection with each target terminal; establishing a short-range communication connection with the second terminal with the strongest short-range communication signal among multiple target terminals.

[0088] Here, a short-range communication connection is achieved by determining at least one target terminal whose distance is less than a distance threshold. If there is only one target terminal, a short-range communication connection is established with the target terminal; if there are multiple target terminals, (1) a short-range communication connection is established with each target terminal; or (2) a short-range communication connection is established with the second terminal with the strongest short-range communication signal among the multiple target terminals to reduce the occupation of communication resources.

[0089] Step 102: Receive a payment method indication signal sent by the second terminal based on the near field communication connection.

[0090] The payment method indication signal indicates the first payment method to be used by the second terminal.

[0091] Here, after the first terminal establishes a short-range communication connection with the second terminal, the second terminal will notify the first terminal of the first payment method to be used, that is, the second terminal sends a payment method indication signal to the first terminal based on the short-range communication connection, and the first terminal receives the payment method indication signal sent by the second terminal, and the payment method indication signal indicates the first payment method to be used by the second terminal.

[0092] In some embodiments, when establishing a short-range communication connection with each target terminal, before receiving the payment method indication signal sent by the second terminal based on the short-range communication connection, the following steps may also be performed: in response to the second terminal having the strongest short-range communication signal among multiple target terminals, a payment method acquisition signal is sent to the second terminal; based on this, the payment method indication signal sent by the second terminal based on the short-range communication connection may be received by performing the following steps: receiving the payment method indication signal sent by the second terminal based on the short-range communication connection in response to the payment method acquisition signal.

[0093] Here, if the first terminal has established a short-range communication connection with multiple target terminals, the first terminal needs to determine the target terminal with the strongest short-range communication signal and select the target terminal with the strongest short-range communication signal as the second terminal. In some embodiments, the following steps may also be performed: obtaining a signal indication parameter of the short-range communication signal of each target terminal; wherein the signal indication parameter includes at least one of a signal strength indication parameter (Received Signal Strength Indication, RSSI), a communication link quality parameter (Link Quality), and a communication link quality indicator parameter (Link Quality Indicator, LQI); based on the signal indication parameter corresponding to each target terminal, determining the target terminal with the strongest short-range communication signal among the multiple target terminals. In actual application, if there are multiple signal indication parameters (for example, including a signal strength indication parameter and a communication link quality parameter), a corresponding weight can be set for each signal indication parameter, so that the total parameter value of the signal indication parameter of the short-range communication signal of the target terminal is determined by weighting the parameter values ​​of each signal indication parameter, and then based on the size of the total parameter value corresponding to each target terminal, determining the target terminal with the strongest short-range communication signal among the multiple target terminals, for example, the target terminal with the largest total parameter value is the target terminal with the strongest short-range communication signal.

[0094] Based on this, the first terminal can send a payment method acquisition signal to the target terminal (i.e., the second terminal) with the strongest short-range communication signal, thereby obtaining the first payment method to be used by the second terminal from the second terminal. At this time, the second terminal receives the payment method acquisition signal and, in response to the payment method acquisition signal, sends a payment method indication signal to the first terminal.

[0095] Step 103: In response to the payment method indication signal, output payment service information related to the first payment method.

[0096] In some embodiments, when the first payment method is a biometric payment method, in response to a payment method indication signal, payment service information related to the first payment method can be output by executing the following steps: in response to the payment method indication signal, the first terminal is controlled to switch from a low power mode to an activation mode, and the activation mode is used to collect the biometric characteristics of the target object corresponding to the second terminal; in the activation mode, the payment service information related to the biometric payment method is output.

[0097] Here, when in service mode for a non-biometric payment method (e.g., a payment code payment method), the first terminal is actually in a low-power mode. In this low-power mode, the first terminal remains dormant, with only the color camera enabled and the infrared camera (i.e., the device for collecting biometric features) disabled. This further reduces the device's power consumption and extends its lifespan. Therefore, when the first payment method is a biometric payment method, the first terminal controls itself to switch from low-power mode to active mode. This active mode is used to collect the biometric features of the target object corresponding to the second terminal, thereby outputting payment service information related to the biometric payment method in the active mode.

[0098] In some embodiments, when the first payment method is a biometric payment method, the following steps may also be performed: collecting biometrics, wherein the biometrics are used for identification and authentication of electronic payments, and the biometrics include one of the following features: iris features, palm print features, facial features, and fingerprint features; in response to the biometrics matching the target account and the second terminal being associated with the electronic payment service in the target application, outputting prompt information related to the electronic payment, wherein the target account is the account used to log in to the target application.

[0099] Here, when the biometric feature is an iris feature, the biometric feature is used for payment authentication of eye-swiping payment; when the biometric feature is a palmprint feature, the biometric feature is used for payment authentication of palm-swiping payment; when the biometric feature is a facial feature, the biometric feature is used for payment authentication of face-swiping payment; when the biometric feature is a fingerprint feature, the biometric feature is used for payment authentication of fingerprint payment. The target application is an application that supports electronic payment, such as instant messaging APP, payment APP, etc. In actual application, the user (that is, the user corresponding to the account that logs into the target application) can manually bind the first terminal with the electronic payment service in the target application through a user terminal (any terminal different from the first terminal) to associate the first terminal with the electronic payment service in the target application. The association of the first terminal with the electronic payment service in the target application is achieved in the following manner: in response to receiving association information sent by the user terminal, the first terminal is associated with the electronic payment service in the target application, wherein the user terminal is a terminal running the target application, the association information is generated by the user terminal in response to an association operation, and the association operation is used to associate the first terminal with the electronic payment service, that is, through the association operation, the first terminal is associated with the electronic payment service in the target application to open up the electronic payment service in the first terminal and the target application.

[0100] In some embodiments, the background program of the target application or the background program of the first terminal may pre-bind the first terminal with the electronic payment service in the target application to pre-establish the connection between the first terminal and the electronic payment service in the target application. In this regard, the association between the first terminal and the electronic payment service in the target application is achieved by: determining the association between the first terminal and the electronic payment service in the target application in response to a configuration file including the electronic payment service. The configuration file is pre-configured and used to pre-establish the connection between the first terminal and the electronic payment service in the target application.

[0101] After associating the first terminal with the electronic payment service in the target application in the above manner, the first terminal adopts the user's biometrics and can match the collected biometrics with the login account corresponding to the target application pre-associated with the first terminal. When the login account corresponding to the target application associated with the first terminal (such as the target account) is matched, the recognition result prompt information corresponding to the second identification information can be output.

[0102] In some embodiments, biometrics can be collected by performing the following steps: collecting streaming data through a camera, wherein the streaming data includes multiple biometric images; based on comprehensive factors, screening out target biometric images from the streaming data, and extracting biometrics from the target biometric images; wherein the comprehensive factors include at least one of the following: the size of the biometric features in the biometric image, the angle of the biometric features in the biometric image, the contrast of the biometric image, the brightness of the biometric image, and the clarity of the biometric image.

[0103] Taking palm prints as an example, a biometric image (i.e., a palm image) of a user is captured via a camera on a first terminal. Since the quality of captured biometric images varies, to facilitate accurate biometric capture, a target biometric image can be selected from multiple biometric images based on comprehensive factors. For example, taking size as an example, the biometric image with the largest palm can be selected from multiple biometric images as the target biometric image. The target biometric image is the optimal biometric image among the multiple biometric images. Biometric features representing the user are then extracted from the target biometric image, allowing subsequent biometric recognition based on the accurate biometric features to accurately identify the user corresponding to the biometric features.

[0104] In some embodiments, the first terminal may collect biometric features in the following manner: periodically performing biometric feature collection operations. For example, taking the first terminal as a palm-scanning device and the biometric feature as a palm print feature, the palm-scanning device may periodically perform palm print feature collection operations, for example, performing palm print feature collection operations once every 10 seconds.

[0105] In other embodiments, the first terminal may also collect biometric features in the following manner: in response to a trigger operation on a collection entry in the first terminal, the biometric features are collected. In actual applications, a collection entry may be displayed on the screen of the first terminal (i.e., a human-computer interaction interface). When a user triggers the collection entry, the first terminal may call a built-in (or external) camera to perform the biometric feature collection operation. For example, if the first terminal is a palm scanning device and the biometric feature is a palm print feature, when the palm scanning device receives a user click operation on the collection entry, the palm scanning device may control the camera in the palm print recognition area to switch from an off state to an on state to perform the palm print feature collection operation.

[0106] In some other embodiments, the first terminal may also collect biometric features in the following manner: in response to detecting a living body and the distance between the living body and the first terminal being less than a distance threshold, collecting the biometric features of the living body.

[0107] Here, when the first terminal detects a living body and before collecting the biological characteristics of the living body, the distance between the first terminal and the living body can be detected first. When the distance between the living body and the first terminal is relatively close, the biological characteristics of the living body are collected. For example, taking the first terminal as a palm-scanning device as an example, the palm-scanning device can call a built-in (or external) sensor (such as a distance sensor) to detect whether there is a living body in an environment where the distance between the palm-scanning device and the living body is less than a distance threshold (such as 1 meter). If there is a living body, the palm print feature collection operation is performed. For example, the palm-scanning device can control the built-in (or external) camera to enter the working state to perform the palm print feature collection operation. In this way, it can be avoided that the palm-scanning device still performs the palm print feature collection operation when there is no one nearby, thereby wasting the resources of the palm-scanning device.

[0108] In some embodiments, biometrics can be collected by performing the following steps: controlling the application interface of the first terminal to be in silent mode, wherein the silent mode is used to block the output of prompt information related to the biometric collection operation; and performing the biometric collection operation in silent mode. For example, during the biometric collection process, the payment terminal can block the output of prompt information related to the biometric collection operation to prevent user information leakage and improve the security of the collection process.

[0109] In some embodiments, the payment service information related to the first payment method can be output by executing the following steps: outputting payment service information related to the first payment method of at least one of the following types: voice type, text type, image type, video type, payment service interface type, and device prompt element output type (such as light, flashing light, etc.). Here, the payment service information is used for the holder of the second terminal to complete electronic payment based on the first payment method. For example, the payment service information can be prompt information that prompts the user on how to operate, can be a human-computer interaction interface that provides the user with the first payment method, can be indication information indicating that the currently enabled payment method is the first payment method, can be enabled for the first payment method required device elements (such as device elements for collecting biometrics (such as cameras, fingerprint recognition elements), lighting devices), etc.

[0110] In some embodiments, the following step may also be performed: when the target object corresponding to the second terminal belongs to the target group of the first payment method, payment guidance information related to the first payment method is output. Here, the target group can be a group of new users who use the first payment method for electronic payment, a group that has not used the first payment method for electronic payment for a long time (a time period greater than a time threshold, such as 3 months), a group within a target age range, and so on. The target group can be set as needed. In this way, the user experience of electronic payment can be improved.

[0111] In some embodiments, the following steps may also be performed: a mode switching control for at least one second payment method different from the first payment method is displayed; based on the mode switching control, a mode switching instruction for the target second payment method is received, the at least one second payment method includes the target second payment method; in response to the mode switching instruction, the payment service information outputted and related to the first payment method is switched to the payment service information related to the target second payment method. Here, after controlling the first terminal to support the first payment method, a mode switching control for at least one second payment method different from the first payment method may also be provided, so that the user can choose whether to switch the payment method as needed, or modify the payment method in the event of a misjudgment of the payment method, thereby improving the user experience of electronic payment. When a mode switching instruction for the target second payment method is received based on the mode switching control, the payment service information outputted and related to the first payment method is switched to the payment service information related to the target second payment method in response to the mode switching instruction.

[0112] In some embodiments, based on the method switching control, a method switching instruction for the target second payment method may be received by executing the following steps: in response to a triggering operation on the method switching control, displaying at least one second payment method; in response to a confirmation selection operation on the target second payment method, receiving a method switching instruction for the target second payment method. For example, see Figure 8A , Figure 8A This is a schematic diagram of the payment method switching provided in the embodiment of the present application. Figure 1 Here, as Figure 8A As shown in (1), the display mode switch control "switch payment method"; Figure 8A As shown in (2), in response to a trigger operation on the method switching control "switch payment method", at least one second payment method is displayed, including payment methods 1 and 2. At this time, in response to a confirmation selection operation on the target second payment method "payment method 2", a method switching instruction for the target second payment method "payment method 2" is received.

[0113] In some embodiments, the following steps may be performed to display a mode switching control for at least one second payment method different from the first payment method: display a mode switching control for each second payment method, with the mode switching control corresponding to the second payment method; based on this, the following steps may be performed to receive a mode switching instruction for the target second payment method based on the mode switching control: in response to a triggering operation for the mode switching control for the target second payment method, a mode switching instruction for the target second payment method is received. For example, see Figure 8B , Figure 8B This is a schematic diagram of the payment method switching provided in the embodiment of the present application. Figure 2Here, the mode switching controls for each second payment method are displayed, including the mode switching controls for payment method 1 and payment method 2; in response to the triggering operation of the mode switching control for the target second payment method "payment method 2", a mode switching instruction for the target second payment method "payment method 2" is received.

[0114] In some embodiments, the electronic payment characteristics of the target object corresponding to the second terminal are obtained; based on the electronic payment characteristics, a third payment method to be recommended that is different from the first payment method is determined; and recommendation information for the third payment method is output. Here, a third payment method different from the first payment method can also be recommended. The recommended third payment method can be determined based on the electronic payment characteristics of the target object. For example, a pre-trained machine learning model can be called to make a prediction based on the electronic payment characteristics of the target object to obtain the third payment method to be recommended for the target object, and then recommendation information for the third payment method can be output, such as text, voice, image, video, etc. In this way, the promotion of the third payment method can be achieved and the promotion effect of the payment method can be improved.

[0115] Applying the above-described embodiment of the present application, a short-range communication connection is first established with a second terminal; then, a payment method indication signal is received from the second terminal based on the short-range communication connection, wherein the payment method indication signal indicates the first payment method to be used by the second terminal; and then, in response to the payment method indication signal, payment service information related to the first payment method to be used by the second terminal is output. In this way, after the short-range communication connection is successfully established, the payment service information related to the first payment method to be used by the second terminal can be output in advance based on the payment method indication signal, thereby ensuring that the user can quickly make electronic payments based on the first payment method, thereby improving the processing efficiency of electronic payments.

[0116] The following will continue to describe the electronic payment processing method provided by the embodiment of the present application. The electronic payment processing method provided by the embodiment of the present application is implemented by an electronic device, for example, it can be implemented by a server or a terminal alone, or by a server and a terminal in collaboration. Therefore, the execution entity of each step will not be repeated below. Figure 3B , Figure 3B : is a flow chart of an electronic payment processing method provided in an embodiment of the present application. The electronic payment processing method provided in an embodiment of the present application includes:

[0117] Step 201: Establish a short-range communication connection with a first terminal.

[0118] Here, it refers to a short-range communication connection between a first terminal and a second terminal. This short-range communication connection can be implemented based on near-field communication technologies such as Bluetooth. The first terminal can be a terminal used for electronic payment, such as a palm-scanning terminal, a face-scanning terminal, a QR code scanning terminal, etc. The second terminal is a user terminal and can be equipped with a client that supports electronic payment.

[0119] Step 202: Determine a first payment method to be used by the second terminal, and send a payment method indication signal.

[0120] The payment method indication signal indicates that the second terminal is to use the first payment method to complete the electronic payment.

[0121] The payment method indication signal is used for the first terminal to perform the following processing: in response to the payment method indication signal, output payment service information related to the first payment method.

[0122] In some embodiments, the first payment method to be used by the second terminal can be determined by performing the following steps: identifying the change path of the human-computer interaction interface of the second terminal within the target duration; based on the change path of the human-computer interaction interface, determining the first payment method to be used by the second terminal. Here, the target duration is a period of time after the short-range communication connection; by obtaining the current activity of the human-computer interaction interface of the second terminal within the target duration, the client currently running in the foreground of the second terminal and the displayed human-computer interaction interface can be determined, thereby forming the change path of the human-computer interaction interface within the target duration. Then, based on the change path of the human-computer interaction interface, the first payment method to be used by the second terminal is determined. For example, when a user opens the change path of the human-computer interaction interface of the payment code interface, the first payment method is payment code payment; when a user opens the change path of the human-computer interaction interface of the group purchase voucher, the first payment method is group purchase voucher payment, and so on.

[0123] Applying the above-described embodiment of the present application, a short-range communication connection is first established with a first terminal; then, a first payment method to be used by a second terminal is determined, and a payment method indication signal is sent to the second terminal. The payment method indication signal indicates the first payment method to be used by the second terminal; thereby, the first terminal outputs payment service information related to the first payment method in response to the payment method indication signal. In this way, after successfully establishing a short-range communication connection, payment service information related to the first payment method to be used by the second terminal can be output in advance based on the payment method indication signal, thereby ensuring that the user can quickly make electronic payments based on the first payment method, thereby improving the processing efficiency of electronic payments.

[0124] The following uses the example of a first terminal being a palm-swipe terminal (or palm-swipe device) and a second terminal being a user terminal running a payment client to illustrate an exemplary application of the present invention in a practical application scenario. The palm-swipe terminal has the ability to support multiple payment methods (such as Figure 7 For example, it supports payment by code, scan code, and palm payment, as well as other merchant platform-side related coupon package verification capabilities. When supporting multiple payment methods, the payment service mode needs to be switched according to the payment method used by the user, which greatly affects payment processing efficiency.

[0125] Based on this, an embodiment of the present application provides an electronic payment processing method to at least solve the above-mentioned problems. In an embodiment of the present application, with the user's authorization, the payment client turns on the Bluetooth capability or other near-field communication capability of the user terminal, thereby establishing a short-range communication connection with the palm-swiping terminal. The palm-swiping terminal can identify the user terminal with the strongest short-range communication signal as the target user terminal (i.e., the user terminal to be paid). The payment client of the user terminal will call the system capability to obtain the current foreground process and record the relevant interface change information, thereby confirming the first payment method of the current user, and sending the indication signal carrying the first payment method to the palm-swiping terminal. After receiving the indication signal, the palm-swiping device will switch the payment service mode, thereby outputting the payment service information related to the first payment method, so as to ensure that the current interface, interaction, etc. of the palm-swiping terminal are simple and easy to understand for users and merchants, helping users to complete payments quickly and improve the processing efficiency of electronic payments.

[0126] See also Figure 4 , Figure 4 This is a schematic diagram of the architecture of the electronic payment processing system provided by the embodiment of the present application. Here, it includes three parts: user terminal, payment backend service, and palm-swipe terminal. Figure 5 , Figure 5 It is a schematic diagram of the architecture of the electronic payment processing system provided by the embodiment of the present application. Here, the user terminal runs a payment client, which mainly includes a network module, a system path classification module, an encryption and decryption module, an authentication module, Bluetooth or other near-field models, and other functional modules. In the present invention, the user is required to pre-set the relevant authorization in the payment client settings, that is, turn on the switch of Bluetooth or other near-field communication to ensure that the user can establish relevant local communication capabilities when approaching the palm-swiping device. At the same time, the user is required to authorize the payment client when installing the payment client to allow the payment client to read the interface name of the current foreground process. The payment back-end services include: palm-swiping recognition service, instruction mode management service, payment service, and push service. The palm-swiping terminal includes: palm-swiping recognition module, 3D camera, instruction mode management module, first screen / electronic poster module, Bluetooth, etc.

[0127] Next, we will explain the selection of target users with willingness to pay. In a scenario where there are multiple people at the checkout counter, the palm-swiping device will establish Bluetooth connections with multiple user terminals at the same time, but only the user with the strongest Bluetooth signal will be used as the user whose willingness to pay will be judged. In actual applications, the technical solutions for judging the strength of Bluetooth signals include: (1) RSSI (Received Signal Strength Indicator): This is the most commonly used technical solution, which measures the strength of the signal received by the Bluetooth device to determine the strength of the signal. The RSSI value is usually expressed as a negative number, and the larger the value, the weaker the signal. The accuracy of the RSSI value depends on the quality of the hardware device and software algorithm, and is usually between -100 and 0. (2) Link Quality: This technical solution is also based on the RSSI value. In addition to considering signal strength, factors such as signal interference and noise are also considered to evaluate the signal quality between Bluetooth devices. The Link Quality value is usually expressed as a percentage, and the higher the value, the better the signal. (3) LQI (Link Quality Indicator): This technical solution is mainly used for Bluetooth low-power devices. It evaluates signal quality by measuring the error rate of received data packets. The LQI value is usually expressed as an integer between 0 and 255, and the higher the value, the better the signal quality.

[0128] Next, we will explain user terminal authorization and path collection. After the user authorization is passed, the payment app can obtain the Activity name of the APP process currently running in the foreground. The following takes the Android operating system as an example to introduce how to obtain the name and path of the foreground interface. Figure 6 , one of the ways to get the currently running top-level Activity. Other methods are also possible. The core needs to obtain the activity name of the current interface. Call the getRunningTasks method of ActivityManager to perform the following processing:

[0129] 1) Add permissions in the AndroidManifest file:

[0130] <uses-permission android:name="android.permission.GET_TASKS" / >

[0131] 2) Get the top-level activity reference code:

[0132] private String getTopActivityByActivityManager()

[0133] {

[0134] ActivityManager activityManager=(ActivityManager)getSystemService(Context.ACTIVITY_SERVICE);

[0135] List<ActivityManager.RunningTaskInfo> listTask=activityManager.getRunningTasks(0);

[0136] String activityName = "";

[0137] if(listTask!=null&&!listTask.isEmpty()){

[0138] ActivityManager.RunningTaskInfo runningTaskInfo=listTask.get(1);

[0139] activityName=runningTaskInfo.topActivity.getClassName();

[0140] }

[0141] return activityName;

[0142] }

[0143] Next, let's take the example of maintaining low power consumption mode. Users who pay with a payment code will first be taken to the main payment interface, then click "Me," then go to the service interface, and finally to the wallet interface.

[0144] The system path collection and classification module will continue to perform relevant analysis of the meeting names on the above interfaces, and generate paths, such as com.tencent.mm.main.TabUI->com.tencent.mm.me.serviceUI->com.tencent.mm.plugin.offline.ui.WalletOfflineCoinPurseUI. Based on the above path, it can be confirmed that the user is a user who pays with the payment code. At this time, the palm-swiping terminal does not need to switch to the activation mode, but continues to maintain the low-power mode by default. Payment code payment can be realized in this low-power mode. It should be noted that when the palm-swiping terminal is activated, that is, when the current user needs to swipe the palm, both the infrared and color cameras are turned on. At this time, the power consumption is relatively high, which is likely to affect the life of the device. Therefore, this application proposes a low-power mode, that is, the device remains dormant in non-palm-swiping mode, only the color camera is enabled and the infrared camera is not enabled, further reducing the power consumption of the device and extending the life of the device.

[0145] Next, we'll analyze the group purchase voucher verification model as an example. If the payment method is the group purchase voucher verification model, that is, the user is a group purchase voucher verification user. Taking the group purchase app as an example, the user's operation path is the group purchase app main interface -> My -> To be used -> Voucher code and other related paths. When the user is identified as verifying a group purchase voucher, the palm-swiping device needs to further enhance the verification of the group purchase voucher code. This means enhancing the camera's location information to make it easier for the user to verify by aligning the QR code. At the same time, a voice broadcast reminds the cashier that the current user may be a group purchase voucher user and the corresponding platform information, and the cashier then switches the payment mode.

[0146] Next, we'll explain the palm-swiping capabilities. The palm-swiping module runs a palm-swiping app, which collects and identifies palms. The app uses a 3D camera to collect the user's current palm streaming data. After acquiring the streaming media, the terminal optimizes the streaming media. The optimization process selects the optimal palm image based on a comprehensive evaluation of factors such as palm size, angle, image contrast, image brightness, and clarity. At the same time, the payment backend service receives the palm data uploaded by the terminal palm-swiping module, extracts features, and then searches the entire database to identify the user. After acquiring user information through biometric identification, the payment code information corresponding to the user is further obtained.

[0147] Next, the near-field communication capability is explained. In this application, the palm-brush device and the user's mobile phone are securely communicated based on the asymmetric key encryption algorithm and the Bluetooth Low Energy (BLE) protocol to obtain specific operating instructions from the user terminal. The palm-brush device and the user terminal each generate a pair of asymmetric keys, including a public key and a private key. The palm-brush device and the user terminal establish a connection through the BLE protocol so that they can communicate with each other. The palm-brush device sends its public key to the user's mobile phone, and the user terminal uses the public key of the palm-brush device to encrypt the data to be transmitted, and sends the encrypted data to the palm-brush device. The palm-brush device uses its own private key to decrypt the data. The received data will be verified to ensure the integrity and accuracy of the data. After the data transmission is completed, the palm-brush device and the user terminal disconnect through the BLE protocol.

[0148] The current protocol mainly uses {action:"",extrainfo:""}. The action is the target action that the palm-swipe device must handle after path resolution. For example, the action can be "keep_low_en" or "plat_qr." "keep_low_en" means maintaining low power consumption, and "plat_qr" refers to platform merchant group purchase coupons. When the action is plat_qr, the extrainfo field will also include the current platform's ID information, such as the group purchase app. The action here can be continuously expanded.

[0149] Applying the above-mentioned embodiment of the present application, with the user's authorization, the payment client turns on the Bluetooth capability or other near-field communication capability of the user terminal, thereby establishing a short-range communication connection with the palm-swiping terminal. The palm-swiping terminal can identify the user terminal with the strongest short-range communication signal as the target user terminal (i.e., the user terminal to be paid). The payment client of the user terminal will call the system capability to obtain the current foreground process and record the relevant interface change information, thereby confirming the first payment method of the current user, and sending the indication signal carrying the first payment method to the palm-swiping terminal. After receiving the indication signal, the palm-swiping device will switch the payment service mode, thereby outputting the payment service information related to the first payment method, so as to ensure that the current interface, interaction, etc. of the palm-swiping terminal are simple and easy to understand for users and merchants, helping users to complete payments quickly and improving the processing efficiency of electronic payments.

[0150] The following further describes an exemplary structure of the electronic payment processing device 555 provided in the embodiment of the present application as a software module, and the electronic payment processing device 555 is applied to the first terminal. Figure 2As shown, the software modules stored in the electronic payment processing device 555 of the memory 550 may include: an establishing module 5551, used to establish a short-range communication connection with the second terminal; a receiving module 5552, used to receive a payment method indication signal sent by the second terminal based on the short-range communication connection, the payment method indication signal indicating the first payment method to be used by the second terminal; an output module 5553, used to output payment service information related to the first payment method in response to the payment method indication signal.

[0151] In some embodiments, the output module 5553 is also used to display a mode switching control for at least one second payment method different from the first payment method; based on the mode switching control, a mode switching instruction for the target second payment method is received, and the at least one second payment method includes the target second payment method; in response to the mode switching instruction, the payment service information related to the first payment method output is switched to the payment service information related to the target second payment method.

[0152] In some embodiments, the output module 5553 is also used to display the at least one second payment method in response to a trigger operation on the method switching control; and receive a method switching instruction for the target second payment method in response to a confirmation selection operation on the target second payment method.

[0153] In some embodiments, the output module 5553 is also used to display the mode switching controls of each second payment method, and the mode switching controls correspond to the second payment methods one-to-one; the output module 5553 is also used to respond to the triggering operation of the mode switching control for the target second payment method, and receive the mode switching instruction for the target second payment method.

[0154] In some embodiments, the output module 5553 is also used to output payment service information related to the first payment method, of at least one of the following types: voice type, text type, image type, video type, payment service interface type, and device prompt element output type.

[0155] In some embodiments, the output module 5553 is further configured to output payment guidance information related to the first payment method when the target object corresponding to the second terminal belongs to the target group of the first payment method.

[0156] In some embodiments, the output module 5553 is further used to obtain the electronic payment characteristics of the target object corresponding to the second terminal; based on the electronic payment characteristics, determine a third payment method to be recommended that is different from the first payment method; and output recommendation information of the third payment method.

[0157] In some embodiments, the establishment module 5551 is also used to identify at least one target terminal whose distance is less than a distance threshold, where the distance is the distance between the target terminal and the first terminal, and the at least one target terminal includes the second terminal; when the number of the target terminals is one, establish a short-range communication connection with the target terminal; when the number of the target terminals is multiple, perform one of the following processes: establish a short-range communication connection with each of the target terminals; establish a short-range communication connection with the second terminal with the strongest short-range communication signal among the multiple target terminals.

[0158] In some embodiments, the establishment module 5551 is also used to send a payment method acquisition signal to the second terminal in response to the second terminal having the strongest short-range communication signal among the multiple target terminals when establishing a short-range communication connection with each of the target terminals; the receiving module 5552 is also used to receive a payment method indication signal sent by the second terminal based on the short-range communication connection in response to the payment method acquisition signal.

[0159] In some embodiments, the establishment module 5551 is also used to obtain the signal indication parameters of the short-range communication signals of each of the target terminals; wherein the signal indication parameters include at least one of the signal strength indication parameters, the communication link quality parameters, and the communication link quality indication parameters; based on the signal indication parameters corresponding to each of the target terminals, the target terminal with the strongest short-range communication signal among the multiple target terminals is determined.

[0160] In some embodiments, when the first payment method is a biometric payment method, the output module 5553 is also used to control the first terminal to switch from a low-power mode to an activation mode in response to the payment method indication signal, and the activation mode is used to collect the biometric characteristics of the target object corresponding to the second terminal; in the activation mode, payment service information related to the biometric payment method is output.

[0161] In some embodiments, the output module 5553 is also used to collect biometric features, wherein the biometric features are used for identification and authentication of electronic payments, and the biometric features include one of the following features: iris features, palm print features, facial features, and fingerprint features; in response to the biometric features matching the target account and the second terminal being associated with the electronic payment service in the target application, prompt information related to the electronic payment is output, wherein the target account is the account used to log in to the target application.

[0162] In some embodiments, the output module 5553 is also used to collect streaming data through a camera, wherein the streaming data includes multiple biometric images; based on comprehensive factors, the target biometric image is screened out from the streaming data, and the biometric feature is extracted from the target biometric image; wherein the comprehensive factors include at least one of the following: the size of the biometric feature in the biometric image, the angle of the biometric feature in the biometric image, the contrast of the biometric image, the brightness of the biometric image, and the clarity of the biometric image.

[0163] In some embodiments, the output module 5553 is further used to control the application interface of the first terminal to be in silent mode, wherein the silent mode is used to shield the output of prompt information related to the biometric collection operation; and the biometric collection operation is performed based on the silent mode.

[0164] An embodiment of the present application also provides an electronic payment processing device, which is applied to a second terminal, and includes: a communication establishment module, which is used to establish a short-range communication connection with a first terminal; a sending module, which is used to determine a first payment method to be used by the second terminal, and send a payment method indication signal, wherein the payment method indication signal indicates that the second terminal is to use the first payment method to complete the electronic payment; wherein the payment method indication signal is used for the first terminal to perform the following processing: in response to the payment method indication signal, output payment service information related to the first payment method.

[0165] In some embodiments, the sending module is further used to identify a change path of the human-computer interaction interface of the second terminal within a target time period; and determine a first payment method to be used by the second terminal based on the change path of the human-computer interaction interface.

[0166] It should be noted that the description of the device embodiment in this application is similar to the description of the method embodiment described above, and has similar beneficial effects as the method embodiment, and is not repeated here. Any unfinished technical details of the electronic payment processing device provided in the embodiment of this application can be understood based on the description of the technical details in the method embodiment described above.

[0167] The present application also provides a computer program product, which includes computer-executable instructions or a computer program stored in a computer-readable storage medium. A processor of an electronic device reads the computer-executable instructions or the computer program from the computer-readable storage medium and executes the computer-executable instructions or the computer program, causing the electronic device to perform the electronic payment processing method provided in the present application.

[0168] An embodiment of the present application also provides a computer-readable storage medium, which stores computer-executable instructions or a computer program. When the computer-executable instructions or the computer program are executed by a processor, the processor will execute the electronic payment processing method provided in the embodiment of the present application.

[0169] In some embodiments, the computer-readable storage medium may be a memory such as RAM, ROM, flash memory, magnetic surface memory, optical disk, or CD-ROM; or may be various devices including one or any combination of the above memories.

[0170] In some embodiments, computer-executable instructions may be in the form of a program, software, software module, script, or code, written in any form of programming language (including compiled or interpreted languages, or declarative or procedural languages), and may be deployed in any form, including as a stand-alone program or as a module, component, subroutine, or other unit suitable for use in a computing environment.

[0171] As an example, computer-executable instructions may, but need not, correspond to a file in a file system, may be stored as part of a file that stores other programs or data, such as in one or more scripts in a HyperText Markup Language (HTML) document, in a single file dedicated to the program in question, or in multiple coordinating files (e.g., files storing one or more modules, subroutines, or code portions).

[0172] By way of example, computer-executable instructions may be deployed to be executed on one electronic device, or on multiple electronic devices located at one site, or on multiple electronic devices distributed across multiple sites and interconnected by a communication network.

[0173] The above description is merely an embodiment of the present application and is not intended to limit the scope of protection of the present application. Any modifications, equivalent replacements, and improvements made within the spirit and scope of the present application are included in the scope of protection of the present application.

Claims

1. An electronic payment processing method, characterized in that: Applied to a first terminal, the method includes: establishing a short-range communication connection with a second terminal; receiving a payment method indication signal sent by the second terminal based on the near field communication connection, the payment method indication signal indicating a first payment method to be used by the second terminal; In response to the payment method indication signal, payment service information related to the first payment method is output.

2. The method according to claim 1, wherein The method further comprises: Displaying a mode switching control for at least one second payment mode different from the first payment mode; receiving, based on the mode switching control, a mode switching instruction for a target second payment mode, wherein the at least one second payment mode includes the target second payment mode; In response to the method switching instruction, the output payment service information related to the first payment method is switched to payment service information related to the target second payment method.

3. The method according to claim 2, wherein The receiving, based on the mode switching control, a mode switching instruction for a target second payment mode, includes: In response to a triggering operation on the mode switching control, displaying the at least one second payment mode; In response to the confirmation selection operation for the target second payment method, a method switching instruction for the target second payment method is received.

4. The method according to claim 2, wherein The method switching control for displaying at least one second payment method different from the first payment method includes: Displaying a mode switch control for each of the second payment methods, wherein the mode switch control corresponds to each of the second payment methods; The receiving, based on the mode switching control, a mode switching instruction for a target second payment mode, includes: In response to a triggering operation of a mode switching control for the target second payment mode, a mode switching instruction for the target second payment mode is received.

5. The method according to claim 1, wherein The outputting of payment service information related to the first payment method includes: Outputting payment service information of at least one of the following types related to the first payment method: Voice type, text type, image type, video type, payment service interface type, and device prompt element output type.

6. The method according to claim 1, wherein The method further comprises: When the target object corresponding to the second terminal belongs to the target group of the first payment method, payment guidance information related to the first payment method is output.

7. The method according to claim 1, wherein The method further comprises: Obtaining electronic payment characteristics of a target object corresponding to the second terminal; determining, based on the electronic payment feature, a third payment method to be recommended that is different from the first payment method; Output the recommendation information of the third payment method.

8. The method according to claim 1, wherein The establishing of a short-range communication connection with the second terminal includes: identifying at least one target terminal whose distance is less than a distance threshold, where the distance is a distance between the target terminal and the first terminal, and the at least one target terminal includes the second terminal; When the number of the target terminal is one, establishing a short-range communication connection with the target terminal; When there are multiple target terminals, one of the following processes is performed: Establishing a short-range communication connection with each of the target terminals; Establish a short-range communication connection with a second terminal having the strongest short-range communication signal among the multiple target terminals.

9. The method according to claim 8, wherein In the case of establishing a short-range communication connection with each of the target terminals, before receiving the payment method indication signal sent by the second terminal based on the short-range communication connection, the method further includes: In response to the second terminal having the strongest short-range communication signal among the multiple target terminals, sending a payment method acquisition signal to the second terminal; The receiving the payment method indication signal sent by the second terminal based on the near field communication connection includes: Receive a payment method indication signal sent by the second terminal based on the short-range communication connection in response to the payment method acquisition signal.

10. The method according to claim 8 or 9, characterized in that The method further comprises: Obtaining a signal indication parameter of a short-range communication signal of each of the target terminals; The signal indication parameter includes at least one of a signal strength indication parameter, a communication link quality parameter, and a communication link quality indication parameter; Based on the signal indication parameters corresponding to the target terminals, a target terminal with the strongest short-range communication signal among the multiple target terminals is determined.

11. The method according to claim 1, wherein When the first payment method is a biometric payment method, the outputting payment service information related to the first payment method in response to the payment method indication signal includes: In response to the payment method indication signal, controlling the first terminal to switch from a low power consumption mode to an active mode, the active mode being used for collecting a biometric feature of a target object corresponding to the second terminal; Payment service information related to the biometric payment method is output in the activation mode.

12. The method according to claim 11, wherein The method further comprises: Collecting biometric features, wherein the biometric features are used for identification and authentication of electronic payments, and the biometric features include one of the following features: iris features, palm print features, facial features, and fingerprint features; In response to the biometric feature matching the target account and the second terminal being associated with the electronic payment service in the target application, prompt information related to electronic payment is output, wherein the target account is the account used to log in to the target application.

13. The method according to claim 12, wherein: The biometric collection includes: Collecting streaming media data through a camera, wherein the streaming media data includes a plurality of biometric images; Based on comprehensive factors, screening a target biometric image from the streaming media data, and extracting the biometric feature from the target biometric image; The comprehensive factors include at least one of the following: the size of the biometric feature in the biometric image, the angle of the biometric feature in the biometric image, the contrast of the biometric image, the brightness of the biometric image, and the clarity of the biometric image.

14. The method according to claim 12, wherein: The biometric collection includes: Controlling the application interface of the first terminal to be in a silent mode, wherein the silent mode is used to shield the output of prompt information related to the biometric feature collection operation; The biometric feature collection operation is performed based on the silent mode.

15. An electronic payment processing method, characterized in that: Applied to the second terminal, the method includes: Establishing a short-range communication connection with the first terminal; determining a first payment method to be used by the second terminal, and sending a payment method indication signal, wherein the payment method indication signal instructs the second terminal to use the first payment method to complete an electronic payment; The payment method indication signal is used for the first terminal to perform the following processing: in response to the payment method indication signal, output payment service information related to the first payment method.

16. The method according to claim 15, wherein The determining the first payment method to be used by the second terminal includes: Identifying a change path of a human-computer interaction interface of the second terminal within a target duration; Based on the change path of the human-computer interaction interface, a first payment method to be used by the second terminal is determined.

17. An electronic payment processing device, characterized in that: The device comprises: An establishing module, configured to establish a short-range communication connection with a second terminal; a receiving module, configured to receive a payment method indication signal sent by the second terminal based on the near field communication connection, wherein the payment method indication signal indicates a first payment method to be used by the second terminal; An output module is configured to output payment service information related to the first payment method in response to the payment method indication signal.

18. An electronic device, characterized in that: The electronic device comprises: a memory for storing computer-executable instructions; The processor is configured to implement the electronic payment processing method according to any one of claims 1 to 16 when executing the computer-executable instructions stored in the memory.

19. A computer-readable storage medium storing computer-executable instructions or a computer program, characterized in that: When the computer executable instructions or computer program are executed by a processor, the electronic payment processing method according to any one of claims 1 to 16 is implemented.

20. A computer program product comprising computer executable instructions or a computer program, characterized in that When the computer executable instructions or computer program are executed by a processor, the electronic payment processing method according to any one of claims 1 to 16 is implemented.

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