Payment method, electronic equipment and communication system

Abstract

The embodiment of the invention provides a payment method, electronic equipment and a communication system. The agent can obtain authorization of a plurality of shopping applications on the payment side, and then agent the shopping applications on the payment side to collect money. The agent can also obtain payment authorization of the user on the payment side, and then agent the user for payment on the payment side. Wherein the payment side can comprise a plurality of payment applications and servers thereof. Therefore, after receiving the user instruction for purchasing the commodity, the intelligent agent can autonomously create the order, complete the payment of the order and feed back the payment result to the user, so that the whole process automation is realized, and the user experience is improved.

Description

Technical Field

[0001] The present application relates to the field of electronic technology, and in particular to payment methods, electronic devices, and communication systems. Background Art

[0002] With the development of artificial intelligence (AI) technology, some applications or features on electronic devices, such as voice assistants, can automatically help users complete various tasks based on their instructions, such as ordering food and hailing a taxi. However, these applications or features still have gaps in the payment process and are unable to automatically help users complete payments. Summary of the Invention

[0003] The embodiments of the present application provide a payment method, electronic device, and communication system. An intelligent agent can obtain authorization from multiple shopping applications on the payment side and then act as an agent for the shopping applications to collect payments. The intelligent agent can also obtain payment authorization from the user on the payment side and then act as an agent for the user to make payments on the payment side. The payment side may include multiple payment applications and their servers. In this way, after receiving a user instruction to purchase a product, the intelligent agent can autonomously create an order, complete payment for the order, and provide feedback on the payment result to the user, achieving full process automation and thus improving the user experience.

[0004] In a first aspect, embodiments of the present application provide a payment method for an electronic device. The electronic device may include a first application. The first application may deploy an agent, or may call an agent. The electronic device may also include one or more payment applications and one or more shopping applications. A payment application may refer to an application or platform that provides payment services. A shopping application may refer to an application or platform that provides online shopping services for users. The one or more payment applications may include a first payment application. The one or more shopping applications may include a first shopping application.

[0005] The payment method may include: first, the electronic device may receive a first user instruction to purchase a first product through a first application. Then, the electronic device may send an order request to a first shopping application to purchase the first product through the first application in response to the first user instruction. The electronic device may generate a first order to purchase the first product through the first shopping application in response to the order request, and send information about the first order to the first application. Finally, after receiving the information about the first order through the first application, the electronic device may complete payment for the first order.

[0006] The first user instruction may be a user instruction in various forms, such as a voice instruction, a text instruction, an image instruction, or an action instruction. The first user instruction may include information about the first product, including but not limited to one or more of the following: the name, specifications, and quantity of the first product. The order request may include information about the first product. The information about the first product may include but is not limited to the name, specifications, and quantity of the first product.

[0007] Through the payment method provided in this application, users can input user instructions for purchasing goods through the intelligent agent, and then view the order information and complete the payment through the intelligent agent, reducing user operation steps and interface jump processes, thereby reducing disturbances to users and improving the user experience.

[0008] In conjunction with the first aspect, in some embodiments, after the electronic device receives the first order information via the first application, the method for completing payment for the first order may specifically include: after the electronic device receives the first order information via the first application, sending a payment request to a first payment application via the first application to request payment for the first order. The electronic device may then complete payment for the first order in response to the payment request via the first payment application.

[0009] In combination with the first aspect, in some embodiments, the first user instruction is used to immediately purchase the first product.

[0010] In conjunction with the first aspect, in some embodiments, after an electronic device receives information about a first order via a first application, a method for completing payment for the first order may specifically include: after the electronic device receives information about the first order via the first application, sending, via the first application, a payment request to a server of the first payment application requesting the server of the first payment application to pay the first order. The electronic device may then receive a first payment message from the server of the first payment application indicating that payment for the first order has been completed.

[0011] In conjunction with the first aspect, in some embodiments, the first user instruction may be used to purchase the first commodity at a scheduled time.

[0012] In conjunction with the first aspect, in some embodiments, the payment request may include a payment token. The payment token may be a credential used by a user to authorize the first payment application and its server to make payments on their behalf, enabling the first application to act on behalf of the user in payment interactions with the first payment application or its server. The payment token may take various forms, for example, a unique identifier generated by the first payment application's server. Upon receiving the payment token sent by the first application, the first payment application or its server may determine the user's identity based on the payment token and complete the payment.

[0013] In combination with the first aspect, in some embodiments, the electronic device may obtain a payment token through the first application.

[0014] In combination with the first aspect, in some embodiments, the method for an electronic device to obtain a payment token through a first application may specifically include: the electronic device displays a first user interface through the first payment application, and the first user interface is used to prompt the user to enter identity authentication information. The electronic device can receive the first identity authentication information in the first user interface. The electronic device then receives a verification result from the first payment application through the first application, indicating that the first identity authentication information has been verified. After the verification is passed, the electronic device can send a second authorization request for requesting a payment token to the server of the first payment application through the first application, and then receive the payment token from the server of the first payment application through the first application.

[0015] In combination with the first aspect, in some embodiments, before the electronic device displays the first user interface through the first payment application, it may also include: the electronic device sends a first authorization request to the server of the first payment application through the first application, and the electronic device can receive a first authorization identifier from the server of the first payment application through the first application.

[0016] In conjunction with the first aspect, in some embodiments, the payment token may include a first payment token. The first payment token is obtained by the electronic device through the first application before receiving the first user instruction. The first payment token may correspond to a first authorized amount. Before sending the payment request, if the first application detects that the amount of the first order is less than the first authorized amount, the payment request includes the first payment token.

[0017] In conjunction with the first aspect, in some embodiments, the payment token may include a second payment token, which is obtained after receiving the first user instruction through the first application. Before sending the payment request, if the first application detects that the amount of the first order is greater than the first authorized amount, or if the first user instruction includes a preset amount, the payment request includes the second payment token. The second authorized amount corresponding to the second payment token is the amount of the first order or the preset amount.

[0018] In combination with the first aspect, in some embodiments, the first payment token becomes invalid after the first authorization validity period expires.

[0019] In combination with the first aspect, in some embodiments, the second payment token becomes invalid after the number of uses reaches a preset number of uses or the second authorization validity period expires.

[0020] In conjunction with the first aspect, in some embodiments, the method further includes: the electronic device may receive a third user instruction via the first application. In response to the third user instruction, the electronic device displays one or more of the following via the first application: the authorization time of the payment token, the authorization validity period, the authorized amount, and the corresponding payment application. This allows the user to comprehensively and intuitively understand and manage the authorization status of the payment token.

[0021] In conjunction with the first aspect, in some embodiments, before the electronic device receives the first user instruction via the first application, the process further includes: the electronic device sending first registration information to a server of the first payment application via the first application. The electronic device sending second registration information to the server of the first payment application via the first shopping application. The first shopping application integrates shopping information from one or more merchants, and the second registration information may include registration information for the one or more merchants.

[0022] In conjunction with the first aspect, in some embodiments, after the electronic device receives the first order information via the first application, the method further includes: the electronic device displays the first order information via the first application. In this way, the user can understand the order status and details in real time, thereby improving the user experience.

[0023] In conjunction with the first aspect, in some embodiments, after the electronic device receives information about the first order through the first application and completes payment for the first order, the process further includes: the electronic device outputting a first prompt message through the first application, the first prompt message being used to notify the user that payment for the first order has been completed. This allows the user to understand the payment status of the order in real time, improving the user experience.

[0024] In combination with the first aspect, in some embodiments, after the electronic device receives the information of the first order through the first application and before completing the payment of the first order, it also includes: the electronic device outputs a second prompt information through the first payment application, and the second prompt information is used to prompt the user to perform a risk check.

[0025] In conjunction with the first aspect, in some embodiments, after sending the payment request, the electronic device may further receive a fourth user instruction, where the fourth user instruction is used to confirm payment of the first order. This allows the user to independently decide whether to actually make the payment. The user can confirm the order information is correct and their funds are sufficient before issuing a payment confirmation instruction, thereby enhancing payment security and improving the user experience.

[0026] In combination with the first aspect, in some embodiments, the first application may be a voice assistant application.

[0027] In a second aspect, embodiments of the present application provide an electronic device, which may include a memory and a processor. The memory may store a computer program, and when the processor executes the computer program, the method described in the first aspect and any possible implementation of the first aspect may be performed.

[0028] In a third aspect, an embodiment of the present application provides a communication system, which may include an electronic device and a server; wherein the electronic device may be an electronic device in the first aspect and any possible implementation of the first aspect, and the server may be a server in the first aspect and any possible implementation of the first aspect.

[0029] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the method described in the first aspect and any possible implementation of the first aspect can be executed.

[0030] In a fifth aspect, an embodiment of the present application provides a computer program product. When the computer program is executed by a processor, it can execute the method described in the first aspect and any possible implementation method of the first aspect.

[0031] In the sixth aspect, an embodiment of the present application provides a chip system, which is applied to an electronic device, and the chip system includes one or more processors, which are used to call a computer program so that the electronic device can execute the method described in the first aspect and any possible implementation method in the first aspect. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the background technology, the drawings required for use in the embodiments of the present application or the background technology will be described below.

[0033] Figure 1 An example of an interactive process in which an intelligent agent assists a user in placing an order is shown; Figure 2 A method of password-free payment is exemplified; Figure 3 An example of a method in which an intelligent agent assists a user in completing payment is shown; Figure 4 The system architecture for implementing the payment method provided in the embodiments of the present application is exemplified; Figure 5 The interactive process of the payment method provided in the embodiment of the present application is exemplified; Figure 6 The implementation process of the payment method provided in the embodiment of the present application is exemplified; Figure 7The following example shows the process of the first application corresponding to the payment token of the first payment application; Figure 8 The first user interface provided by the embodiment of the present application is exemplarily shown; Figure 9 An exemplary user interface for displaying authorization records is shown; Figure 10 The process of embodiment 1 is exemplarily shown; Figure 11 Two user interfaces for prompting the user to confirm payment for the first order are shown as examples; Figure 12 The process of the second embodiment is exemplified; Figure 13 This is an interactive diagram of the payment method provided in Example 2; Figure 14 The electronic device 100 provided in an embodiment of the present application is exemplarily shown; Figure 15 The server 200 provided in the embodiment of the present application is exemplarily shown; Figure 16 The communication system 300 provided in an embodiment of the present application is exemplarily shown. DETAILED DESCRIPTION

[0034] The terms used in the following embodiments of the present application are only for the purpose of describing specific embodiments and are not intended to limit the present application.

[0035] In an embodiment of the present application, the electronic device may include a first application. The first application may integrate an artificial intelligence agent (AI agent) or may call an AI agent.

[0036] An AI agent is an intelligent entity capable of autonomously perceiving its environment, making independent decisions, and executing tasks. It possesses autonomy, adaptability, and interaction. AI agents deeply couple the cognitive capabilities of large language models (LLMs) with tool-invoking capabilities. Through a closed "perception-planning-action" loop, they automate tasks, enabling them to not only answer questions but also proactively complete a range of tasks.

[0037] The intelligent agent can include a memory module, a tool module, and an action module.

[0038] The memory module can be responsible for storing and / or organizing acquired information to assist in driving the agent's decision-making. The tool module is used to implement the invocation of tools and is the final executor of decisions. The tools invoked by the tool module may be external or internal to the agent. The action module can convert the agent's plans into specific actions. In some cases, the action module's output includes the invocation of tools. In these cases, the action module can use the tool module to implement the invocation of tools.

[0039] An agent can be software, hardware, or a system. It can be deployed on electronic devices that integrate hardware and computing resources, enabling the agent to perceive the environment, process data, make decisions, and take corresponding actions in real time.

[0040] In an embodiment of the present application, the electronic device may include one or more shopping applications.

[0041] A shopping app is a software program that runs on electronic devices such as smartphones and tablets. Each shopping app can have a corresponding server. Together, the shopping app on the electronic device and its server can provide users with an online shopping experience, allowing them to browse, select, and purchase goods or services on their electronic devices.

[0042] In embodiments of the present application, the electronic device may also include one or more payment applications. A payment application may refer to an application or platform that provides payment services. Each payment application may have a corresponding server. The payment application and its server may jointly support users in making electronic payments and may be responsible for processing core functions such as payment transactions, fund settlement, and risk management. Payment applications may include mobile payment applications, online payment gateways, bank payment applications, third-party payment platforms, and the like.

[0043] The first application, the shopping application, the payment application on the electronic device, and the server of the shopping application and the server of the payment application can jointly complete the payment function.

[0044] The following first introduces a method in which an intelligent agent assists users in placing orders.

[0045] An agent on an electronic device can receive a user input for purchasing a product. The agent can then utilize the natural language capabilities of a large language model to parse the user instruction and identify key information within the instruction, such as the store name and product name. Based on this information, the agent can then orchestrate a task to be performed, such as opening a shopping app on the electronic device, searching for the product within the app, and creating an order to purchase the product.

[0046] Figure 1An example of an interactive process in which an intelligent agent assists a user in placing an order is shown.

[0047] Figure 1 The interactive process shown may include the following three steps: receiving instructions, placing an order, and paying.

[0048] in, Figure 1 (a) in the above can correspond to the instruction receiving link. Figure 1 As shown in (a) in the figure, the agent can receive the user's voice command "Please help me buy product a" through voice interaction.

[0049] Figure 1 (b)-(e) in the figure can correspond to the ordering phase. In the ordering phase, the agent can search and open a shopping application A on the electronic device that can be used to purchase product a. The agent can simulate the user's operation behavior in the shopping application A to quickly generate an order for purchasing product a, such as Figure 1 Search and select product a in the interface shown in (c) Figure 1 In the interface shown in (d), select the specifications of product a. Figure 1 In the interface shown in (e) of the figure, the agent can fill in the delivery address and click the "Submit Order" button. The agent can simulate the user's actions to create order a1 for item a in shopping app A and then proceed to the payment stage. For example, the agent simulates the user clicking the "Submit Order" button and then proceeding to the payment stage.

[0050] Figure 1 (f) in the figure can correspond to the payment phase. In the payment phase, the agent no longer participates in the interaction, but the user manually triggers the payment of the order. For example, the user can Figure 1 Click "Confirm Payment" on the payment interface of the payment application B shown in (f) in the figure, and then trigger the payment order a1. In some embodiments, in order to reduce the disturbance to the user, the payment of the order can be realized by a password-free payment method.

[0051] Figure 2 A method of password-free payment is exemplified.

[0052] like Figure 2 As shown, this password-free payment method may include a signing phase and a payment phase. The signing phase may specifically include the following steps: 1. Shopping application A requests its server to create a contract order.

[0053] 2. The server of shopping application A calls the pre-signing interface of the server of payment application B.

[0054] 3. Payment application B's server returns the pre-signing number (preSignNo) to shopping application A's server.

[0055] 4. Shopping application A's server constructs the contract parameters (contractStr) and returns them to shopping application A.

[0056] 5. Shopping application A calls the formal signing interface through contractStr to launch the signing checkout counter.

[0057] 6. Payment application B displays the contract-related information through the contract checkout counter.

[0058] 7. The user completes the signing operation at the checkout counter of payment application B.

[0059] 8. Payment application B’s server processes the contract.

[0060] 9. After successfully accepting the contract, the server of payment application B returns the contract result to payment application B.

[0061] 10. Payment application B displays the signing result page.

[0062] 11. After the user closes the signing result page, payment application B returns the signing result to shopping application A.

[0063] 12. When shopping app A's server calls the pre-signing API on payment app B's server, it can pass a callback API address. Once the signing process is complete, payment app B's server can asynchronously notify shopping app A's server of the signing result through this callback API.

[0064] Once the contract is signed, the payment phase begins. During this phase, Shopping App A's server can directly call the password-free payment API on Payment App B's server to complete the deduction. Payment App B's server can then return the result of the password-free payment request to Shopping App A's server. After successfully processing the password-free payment deduction, Payment App B's server can asynchronously notify Shopping App A's server of the payment result by calling the callback API address provided by Shopping App A's server when requesting the password-free payment API.

[0065] exist Figure 1 and Figure 2 In the illustrated method, because the payment app doesn't provide an open interface to the agent, the agent can only help users open the shopping app and place orders within it, but it can't help users complete payment within the payment app. Therefore, even after a user enters a purchase instruction into the agent, they still need to manually complete the payment process.

[0066] And, in Figure 1In the method described above where an agent assists users in placing orders, after the user enters a command through the agent, the electronic device's interface undergoes multiple transitions, including but not limited to transitioning from the agent's interface to the shopping app's interface, transitioning between multiple interfaces within the shopping app, and transitioning from the shopping app's interface to the payment interface. This transition wastes power consumption in the electronic device and makes the ordering process redundant and time-consuming, resulting in a poor user experience.

[0067] With the development of intelligent agent technology, some researchers have proposed new methods for intelligent agents to assist users in making payments. The following describes a method for intelligent agents to assist users in making payments.

[0068] Figure 3 A method for an intelligent agent to assist a user in completing payment is exemplified.

[0069] exist Figure 3 In the method shown, the agent can be integrated with a shopping function. That is, the agent can act as a shopping application, selling goods or services to users, generating orders and collecting payments. For example, agent A can be a poetry writing assistant that can create poetry according to user instructions and then generate payment orders for this poetry creation. Furthermore, the agent can interact with the payment application server through a series of open interfaces to complete the payment of the order. Figure 3 As shown, the agent can send a payment request to the payment application's server based on the generated order. After receiving the payment request, the payment application's server can return a payment link to the agent. The agent can then use the payment link to navigate to the payment interface to complete the payment. Finally, the payment application's server returns the payment result to the agent.

[0070] However, in Figure 3 In the payment method shown, different agents can provide different shopping functions or services. An agent can only realize the payment of orders related to the shopping functions provided by this agent. For example, agent A can be a poetry singer, providing poetry writing services to users and collecting payments. Agent B can be an airline ticket booking assistant, helping users book flights and collect payments, etc. Therefore, Figure 3 In this way, an intelligent agent cannot assist users in ordering and paying for multiple shopping applications, and has high limitations.

[0071] Embodiments of the present application provide a payment method, an electronic device, and a communication system.

[0072] The following first introduces the system architecture for implementing the payment method provided in the embodiment of the present application.

[0073] Figure 4The system architecture for implementing the payment method provided in the embodiments of the present application is exemplified.

[0074] like Figure 4 As shown, the system architecture may include a user side, a merchant side, a payment side, and an intelligent agent.

[0075] The user side includes the user. As the payment subject, the user can authorize an agent to perform relevant payment operations on their behalf on the payment side. For example, the agent can access the user's payment information and send payment requests to the payment application on the payment side. The details of user authorization of an agent to perform payment operations on their behalf will be discussed in detail later and will not be elaborated here.

[0076] The merchant side may include one or more shopping applications, such as Figure 4 As shown in Figure 1, there are shopping applications A, B, and C. The merchant-side shopping application, acting as the payment recipient, can establish an authorization relationship with the agent on the payment side. The merchant-side shopping application can send information about pending orders to the agent, which then sends a payment request for the order to the payment side, where the payment side completes the payment on behalf of the shopping application.

[0077] The payment side may include multiple payment applications and their servers, such as Figure 4 The shown payment application 1 and its server 1, payment application 2 and its server 2, payment application 3 and its server 3, and so on.

[0078] Intelligent agent in Figure 4 The system architecture shown acts as an intermediary to establish connections between multiple shopping applications on the merchant side and multiple payment applications and their servers on the payment side. In an embodiment of the present application, both shopping applications and agents can be registered on the payment application server on the payment side, and then the agent can act as an agent on behalf of the registered shopping applications to collect payments on the payment application and its server. For example, the agent can be registered on the server of payment application 1 on the payment side, and shopping applications A, B, and C on the merchant side can also be registered on the server of payment application 1. In this way, the agent can collect payments on behalf of the registered shopping applications A, B, and C on the payment application 1 and its server. It can be understood that after the agent is registered on the payment application server, it can serve as the largest merchant that uses the payment application to collect payments. The agent can serve as the payee for all orders, and then deliver the received order amount to the corresponding shopping application or the corresponding merchant entity in the shopping application.

[0079] In this way, through the payment method provided in the embodiments of the present application, the intelligent agent can obtain authorization from multiple shopping applications on the payment side, and then act as an agent for the shopping applications to collect payments on the payment side. The intelligent agent can also obtain authorization from the user on the payment side, and then act as an agent for the user to make payments on the payment side. The payment side may include multiple payment applications and their servers. In this way, after receiving a user instruction to purchase goods, the intelligent agent can independently create an order, complete the payment of the order, and feedback the payment result to the user, achieving full process automation and thus improving the user experience.

[0080] Figure 5 The interactive process of the payment method provided in the embodiment of the present application is exemplified.

[0081] like Figure 5 As shown in (a) in FIG, the electronic device can receive the user instruction "Please buy me a cup of iced Americano" through the agent and display the above user instruction through the agent. Then, as Figure 5 As shown in (b) in the figure, in response to the received user instruction, the electronic device can continue to display the prompt text "An order has been generated for you" in the dialogue interface of the intelligent agent, prompting the user that an order has been generated for purchasing the specified product (i.e., a cup of iced Americano). The electronic device can also display the order information in the dialogue interface through the intelligent agent, including but not limited to: the picture, name, specifications, quantity and order amount of the ordered product, etc. Finally, the electronic device can Figure 5 The dialogue interface of the intelligent agent shown in (c) displays prompt information such as "Order payment completed" and "A cup of iced American coffee has been purchased for you", prompting the user that the payment of the order has been completed.

[0082] It can be seen that through the payment method provided in the embodiment of the present application, users can input user instructions for purchasing goods through the intelligent agent, and then view the order information and complete the payment through the intelligent agent, reducing user operation steps and interface jump processes, thereby reducing disturbances to users and improving the user experience.

[0083] Figure 5 This is merely an illustrative introduction to the interactive process of the payment method provided in the embodiments of the present application and is not intended to be limiting. For example, in some embodiments, the electronic device may display the order process through a shopping application, display the payment page through a payment application, and return to the dialogue interface of the agent after payment is completed.

[0084] The following describes the implementation process of the payment method provided in the embodiment of the present application.

[0085] Figure 6 The following is an example of the implementation process of the payment method provided in the embodiment of the present application. S101. An electronic device receives a first user instruction through a first application, where the first user instruction is for purchasing a first product.

[0086] The first application is an agent application, that is, the first application can be deployed with an agent, or can call an agent.

[0087] In some embodiments, the first application may be a voice assistant application. The first application may provide a voice interaction function for the user. For example, the first application may have a preset wake-up command. When the electronic device detects the wake-up command input by the user, it may wake up the first application and then interact with the user by voice to receive the first user's command.

[0088] The first user instruction is a request or operation issued by the user to the first application to trigger the purchase of the first product. The first user instruction can be a user instruction in various forms such as a voice instruction, a text instruction, an image instruction, an action instruction, etc. The first user instruction may include information about the first product, including but not limited to one or more of the following: the name of the first product, the product specifications, the quantity, etc. The first application can determine the first product based on the information about the first product. For example, the first user instruction can be "Buy me a large cup of iced Americano", which can determine that the name of the first product is iced Americano, the specifications of the first product are large, and the quantity of the first product is one cup.

[0089] The first commodity can be a physical commodity, a virtual commodity, a service or a function, etc.

[0090] In some embodiments, the first user instruction may be a single user instruction. For example, the electronic device may receive the following user instruction via a first application: "Please buy me a large iced Americano." In this case, the electronic device may parse the single user instruction via the first application to determine that the first item the user intends to purchase is "a large iced Americano."

[0091] In some embodiments, the first user instruction may also consist of multiple user instructions. These multiple user instructions can be used to refine the user's shopping intent and collectively reflect the user's intention to purchase the first product. For example, the electronic device may first receive the following user instruction via a first application: "Please buy me a cup of coffee." At this point, the electronic device cannot determine the specific information about the first product the user intends to purchase based on the single received user instruction, or cannot determine the first product the user intends to purchase. To further clarify the user's purchase intent, the electronic device may guide the user to enter more user instructions via the first application. For example, the electronic device may continue to display prompts to the user via the first application: "What flavor of coffee do you want?", "What cup size do you want?", etc. The electronic device may then receive one or more user instructions, such as "Iced Americano" or "Large." Based on these multiple user instructions, the electronic device may determine, via the first application, that the user intends to purchase the first product as "a large iced Americano." In other words, the electronic device may guide the user to enter multiple user instructions via the first application to obtain more purchase information, including but not limited to: the first product, its specifications, purchase time, delivery address, etc.

[0092] In other embodiments, the first user instruction may include information about the first product, such as "Please buy me coffee." In this case, the first application may determine the first product based on specific rules. Alternatively, the first application may pass the product-related information (e.g., "coffee") in the first user instruction to the shopping application, which then determines the first product based on the received product-related information in the first user instruction and the specific rules. For example, the first application may determine the user's frequently purchased "Iced Americano" as the first product based on the "coffee" in the first user instruction and historical user instructions.

[0093] S102. The electronic device sends an order request to the first shopping application via the first application in response to the first user instruction, where the order request is used to request the purchase of the first product.

[0094] The first shopping application is a shopping application used to purchase the first product.

[0095] The electronic device may determine the first shopping application according to the first user instruction through the first application.

[0096] In some embodiments, the first user instruction may include information indicating the first shopping application, such as the name of the first shopping application. The electronic device may parse the first shopping application's name from the first user instruction through the first application and determine the first shopping application based on the name of the first shopping application. For example, the first user instruction may be "Please purchase an iced Americano in shopping application A." The electronic device may determine that the first shopping application is shopping application A through the first application.

[0097] In other embodiments, the first user instruction may not include information indicating the first shopping application. The electronic device may query one or more shopping applications that can be used to purchase the first product on the electronic device through the first application. If there is only one shopping application found for purchasing the first product, the found shopping application may be used as the first shopping application. If there are multiple shopping applications found for purchasing the first product, the electronic device may prompt the user to select the first shopping application from the multiple shopping applications found through the first application, or the electronic device may directly select a shopping application from the multiple shopping applications found through the first application according to certain rules as the first shopping application, such as selecting the shopping application that the user has used the most times as the first shopping application.

[0098] S103. The electronic device generates a first order in response to the order request through the first shopping application, and sends information about the first order to the first application. The first order is used to purchase the first product.

[0099] The order request may include information about the first product. This information may include, but is not limited to, the name, specifications, and quantity of the first product. The first shopping application may create a first order based on the information about the first product in the order request. The first order is for purchasing the first product. For example, the first order may be for a large iced Americano.

[0100] In some embodiments, after receiving an order request, the first shopping application may first parse the request to extract information about the first product. Then, based on the information about the first product, it may perform product checks, including but not limited to one or more of the following: checking whether the first shopping application sells the first product, whether the first product is in sufficient stock, etc. If any of these checks fail, the first shopping application may return a prompt to the first application, informing the first application that the first shopping application does not sell the first product or that the first product is sold out. The second application may further prompt the user that the order creation failed. If these checks pass, the first shopping application may create the first order, generate information about the first order, and send the information to the first application.

[0101] The information of the first order may include but is not limited to one or more of the following: the order amount of the first order, the identifier of the first order (such as the order number, etc.), the product details of the first order (such as product pictures, etc.), the status of the first order (such as being created, being paid, etc.), etc.

[0102] S104. After receiving the information of the first order through the first application, the electronic device completes the payment of the first order.

[0103] In an embodiment of the present application, after receiving information about the first order, the first application may send a payment request to the first payment application or the server of the first payment application, requesting payment for the first order. The first payment application or the server of the first payment application may respond to the payment request, pay the first order, and return the payment result to the first application. The payment request may include, but is not limited to, one or more of the following: the identifier of the first order, the identifier of the first shopping application, the amount of the first order, the identifier of the acquiring merchant in the first shopping application, and the like.

[0104] The first payment application can be any one of the one or more payment applications installed on the electronic device. For example, the first payment application can be Figure 4 Any one of payment application 1, payment application 2 or payment application 3 in.

[0105] In some embodiments, the first payment application may be determined by the first application. The first user instruction may include information indicating the first payment application. For example, the first user instruction may be "Please buy me a large iced Americano and pay using payment application 1." The first application may then determine that the first payment application is payment application 1 based on the first user instruction. The first user instruction may also not include information indicating the first payment application. In this case, after receiving the first order information sent by the first shopping application, the first application may prompt the user to select the first payment application from multiple payment applications, or may autonomously select the first payment application according to preset rules.

[0106] In other embodiments, the first payment application may also be determined by the first shopping application. For example, the first shopping application may establish an association or binding relationship with one or more payment applications. When the first shopping application generates an order, it may specify the payment application with which it has established an association or binding relationship as the first payment application. For another example, the first shopping application may use the payment application used for the last purchase as the first payment application, and so on. In this case, when the first shopping application sends the first order information to the first application, it may also send the identifier of the first payment application, such as the name, serial number, or other unique identifier of the first payment application.

[0107] In some embodiments, the payment request sent by the first application to the first payment application or the server of the first payment application may also include a payment token corresponding to the first payment application. The payment token may be obtained by the first application from the server of the first payment application. In an embodiment of the present application, the payment token may be a credential that the user authorizes the first application to make payments on its behalf in the first payment application and its server, and is used to support the first application to act as an agent for the user to make payments in interaction with the first payment application or its server. The payment token can take many forms. For example, the payment token may be a string of unique identifiers generated by the server of the first payment application, etc. After the first payment application or its server receives the payment token sent by the first application, it can determine the user's identity based on the payment token and then complete the payment.

[0108] The following describes a method for the first application to obtain the payment token corresponding to the first payment application.

[0109] Figure 7 The following example shows the process of the first application corresponding to the payment token of the first payment application. S201. The first application registers on the server of the first payment application.

[0110] The electronic device can send first registration information to the server of the first payment application through the first application. The first registration information may include the first application's agent qualification information, such as corporate certification, service scope, security certificate, etc. After receiving the first registration information, the first payment application server can complete the registration of the first application based on the first registration information. The first application can then obtain legal agent qualifications from the first payment application server, including the ability to make payments on behalf of users and receive payments on behalf of shopping applications.

[0111] S202. The first shopping application registers on the server of the first payment application.

[0112] Specifically, the first shopping application may send a second registration message to the server of the first payment application. The first shopping application may integrate shopping information from one or more merchants, and the second registration message may further include the registration information of the one or more merchants. The second registration message may include, but is not limited to, one or more of the following: merchant number, business license, payment account, etc.

[0113] S203. The first application establishes an agency relationship with the first shopping application on the server of the first payment application.

[0114] After registering on the server of the first payment application, the first shopping application can establish an agent relationship with the first application. The first application can legally act as an agent for the first shopping application to perform payment-related operations.

[0115] S204. The first application sends a first authorization request to the server of the first payment application.

[0116] S205. The first application receives a first authorization identifier from the server of the first payment application.

[0117] The first application can call the pre-authorization interface provided by the first payment application's server and send a pre-authorization request, i.e., a first authorization request, to the first payment application's server through the pre-authorization interface. The first authorization request may include parameters such as the user ID, the first application ID, and the electronic device ID. Pre-authorization can be used to initially verify the user's legitimacy and avoid wasting resources or security risks by directly requesting a payment token.

[0118] If the pre-authorization is successful, the electronic device may receive a pre-authorization success message, such as "Pre-authorization successful," and a pre-authorization identifier from the server of the first payment application through the first application, and then proceed to S206. The pre-authorization identifier may be a unique identifier, such as presig_123456. The pre-authorization identifier is the first authorization identifier.

[0119] If the pre-authorization fails, the electronic device may receive a pre-authorization failure message from the server of the first payment application through the first application, such as "application does not have permission", "user is not registered", "user ID is empty", etc., and then terminate the process of obtaining the payment token. In the embodiment of the present application, the reasons for the failure of pre-authorization may include but are not limited to the following: the first application is not registered with the server of the first payment application, the user has not opened an account in the first payment application, the first application has not obtained payment agent permission, etc.

[0120] In some embodiments, when the electronic device obtains the payment token corresponding to the first payment application through the first application, S204 and S205 may not be executed.

[0121] S206. The first application notifies the first payment application to display a first user interface, where the first user interface is used to prompt the user to enter identity authentication information.

[0122] S207: Receive first identity authentication information on the first user interface.

[0123] After the pre-authorization is passed, the first application can open the first user interface of the first payment application through the interface or jump link provided by the first payment application.

[0124] Figure 8 The first user interface provided by an embodiment of the present application is exemplarily shown.

[0125] like Figure 8As shown, the first user interface may include an authorization information display area 10, an identity verification information input area 11, and a confirmation control 12. The authorization information display area 10 may be used to display current authorization information to the user, such as the authorized object, authorization validity period, and authorization description. The identity verification information input area 11 may include a text input box for obtaining the user's identity verification information. Upon detecting that the user clicks the confirmation control 12 on the first user interface, the electronic device may trigger execution of S208.

[0126] Figure 8 This is only one example of the first user interface. In other embodiments, the first user interface may be displayed in a variety of different ways. For example, the authentication information input area 11 of the first user interface may also include a voice input control, a facial recognition control, a fingerprint collection control, and other controls for receiving the user's authentication information.

[0127] In an embodiment of the present application, identity authentication information may include but is not limited to one or more of the following: payment account and payment password, user fingerprint information, user face information, SMS verification code, etc.

[0128] In some embodiments, the electronic device may further prompt the user to confirm authorization before displaying the first user interface. For example, a prompt message may be displayed on the interface prompting the user to confirm authorization. After the electronic device detects that the user has confirmed authorization, it displays the first user interface and receives the first identity verification information input by the user.

[0129] S208. The first payment application sends the first identity verification information to the server of the first payment application.

[0130] S209. The first payment application receives the verification result from the server of the first payment application.

[0131] S210. The first application receives a verification result from the first payment application, where the verification result indicates that the first identity verification information has passed. The server of the first payment application can verify the user's identity based on the first identity authentication information, such as comparing the payment password in the first identity authentication information with the payment password stored when the user registered to see if they match, comparing the SMS verification code in the first identity authentication information with the random code generated by the server to see if they match, and checking whether the biometric features (such as fingerprint information, facial information, etc.) match.

[0132] If the two devices match, the electronic device can confirm that the verification has passed and then send a message such as "Verification Passed" to the first payment application, indicating that the first identity verification information has passed. If the two devices do not match, the electronic device can confirm that the verification has failed and then send a message such as "Verification Failed" to the first payment application, indicating that the first identity verification information has failed. The electronic device can then notify the user of the authorization failure through the first application or the first payment application, or prompt the user to re-enter the first identity verification information.

[0133] S211. The first application sends a second authorization request to the server of the first payment application, where the second authorization request is used to request a payment token.

[0134] S212. The first application receives a payment token from the server of the first payment application.

[0135] After the user identity verification is passed, the electronic device can formally apply for a payment token from the first payment application's server through the first application. In response to the second authorization request, the first payment application's server can generate a payment token and send the generated payment token to the first application on the electronic device.

[0136] The second authorization request may include the first authorization identifier obtained in S205. The server of the first payment application may associate the first authorization identifier with the previous pre-authorization record to confirm that the current authorization has passed the user's legitimacy verification. If the electronic device does not perform the pre-authorization in S204-S205, the second authorization request may include parameters such as the user identifier for verifying the user's legitimacy, the identifier of the first application, and the identifier of the electronic device.

[0137] A payment token can have an authorization validity period and / or an authorization amount. The authorization validity period is the time window during which the payment token can be used, after which it will automatically expire. The authorization amount can be the maximum transaction amount allowed by the payment token; transactions exceeding this amount will be rejected.

[0138] In some embodiments, the authorization validity period and authorization amount corresponding to the payment token may be determined by the first application, for example, they may be determined by the first application based on user instructions. The first application may receive user instructions for indicating the authorization validity period and authorization amount, such as "Please activate the password-free payment of payment application A, the authorization validity period is 1 month, and the authorization amount is 200 yuan." At this time, the second authorization request may also include the authorization validity period, authorization amount, etc. In other embodiments, the authorization validity period and authorization amount corresponding to the payment token may also be determined by the server of the first payment application. For example, the server of the first payment application may dynamically generate the authorization validity period and authorization amount based on payment business rules, risk control strategies and other information.

[0139] S213. The first application receives payment token status change prompt information from the server of the first payment application.

[0140] The server of the first payment application can proactively notify the first application of changes in the payment token status through a callback interface, such as when the payment token is about to expire or when the payment token is revoked by the user. This ensures that the first application can perceive the status of the payment token in real time and avoid payment failures due to payment token expiration.

[0141] In the embodiment of the present application, payment tokens can be divided into two categories: one can be called a first payment token, and the other can be called a second payment token.

[0142] The first payment token may be a long-term authorization token, and the first payment token may have no limit on the number of uses. In other words, the first payment token may be used an unlimited number of times within its authorization validity period. The first payment token may correspond to the first authorization validity period and the first authorization amount. The first payment token expires after the first authorization validity period ends. In an embodiment of the present application, the first payment token may be obtained by the electronic device through the first application before receiving the first user instruction to purchase the first product.

[0143] The second payment token may correspond to a preset number of uses. That is, the second payment token cannot be used indefinitely. For example, the valid number of uses of the second payment token can be exemplified as once, and the second payment token can only be used once. The second payment token may correspond to a second authorization validity period and a second authorization amount. The second payment token may become invalid after the number of uses reaches a preset number of uses or the second authorization validity period expires. In an embodiment of the present application, the second payment token may be obtained after the electronic device receives a first user instruction for purchasing the first product through the first application, or after the first application receives information about the first order sent by the first shopping application.

[0144] In an embodiment of the present application, the electronic device may also receive a user instruction for viewing the authorization record through the first application, which may be referred to as a third user instruction. The third user instruction may be a voice instruction, such as "view authorization record." The third user instruction may also be an action instruction or a gesture instruction, etc., such as clicking a control for viewing the authorization record on the interface of the first application, etc. In response to the third user instruction, the electronic device may display the authorization record through the first application. The authorization record may include, but is not limited to, one or more of the following: the authorization time of the payment token, the authorization validity period, the authorized amount, the corresponding payment application, etc.

[0145] Figure 9 A user interface for displaying authorization records is exemplarily shown.

[0146] like Figure 9As shown in (a) and (b) of FIG. 1 , the user interface for displaying the authorization record may include controls 21 and 22. When the electronic device detects that the user selects control 21, it may display the following: Figure 9 The interface shown in (a) in FIG. 1 shows the authorization record of the first payment token to the user. When the electronic device detects that the user selects the control 22, it can display the following information: Figure 9 The interface shown in (b) displays the authorization record of the second payment token to the user.

[0147] Figure 9 Both (a) and (b) can include multiple authorization records, and the display area corresponding to each authorization record can include a "view" control. The user can click the "view" control to view more detailed authorization information corresponding to the authorization record. For example, when the electronic device detects that the user clicks the "view" control 23 corresponding to the authorization record 1, it can display Figure 9 The interface shown in (c) shows the detailed information of authorization record 1 to the user. Authorization record 1 corresponds to the first payment token, which can be exemplified as payment token 1. Figure 9 As shown in (c) in the figure, the electronic device can display that the status of payment token 1 is within the validity period, the corresponding payment application is payment application 1, the authorization validity period is from March 1, 2025 to June 1, 2025, and the authorized amount is RMB 200, etc. If the status of the payment token is within the validity period, then Figure 9 (c) in the figure may also include a control 25. When the electronic device detects that the user clicks the control 25, it may actively revoke the payment token 1. For another example, when the electronic device detects that the user clicks the "view" control 24 corresponding to the authorization record 4, it may display Figure 9 The interface shown in (c) shows the detailed information of the authorization record 4 to the user. The authorization record 4 corresponds to the second payment token, which can be exemplified as payment token 2. Figure 9 As shown in (d), the electronic device can display that the status of payment token 2 is expired, the corresponding payment application is payment application 2, the authorization validity period is from 12:00 to 24:00 on March 10, 2025, the authorized amount is 1,000 yuan, the authorized number of uses is 1, and it has been used once.

[0148] The foregoing describes a method for a first application to obtain a payment token from a first payment application. The following describes in detail a method for implementing payment using a payment token through two embodiments.

[0149] Example 1 In the first embodiment, the first user instruction may be used to instantly purchase a first product. After the electronic device receives the first order information through the first application, it may send a payment request to the first payment application through the first application. The payment request may be used to request payment for the first order. The electronic device may then complete payment for the first order in response to the payment request through the first payment application.

[0150] Figure 10 The process of Example 1 is exemplified below. S301. The electronic device receives a second user instruction through the first application, where the second user instruction is used to obtain a first payment token.

[0151] The second user instruction may be a user instruction in various forms such as a voice instruction, a text instruction, etc.

[0152] The second user instruction may include information indicating the first payment application, such as the name of the first payment application. For example, the second user instruction may be "Enable password-free payment for payment application 1," where the first payment application is payment application 1. In response to the second user instruction, the electronic device may obtain the first payment token from the server of payment application 1 through the first application.

[0153] The second user instruction may include the authorization validity period and the authorized amount. For example, the second user instruction may be "Activate password-free payment for payment application 1, with an authorization validity period of one month and an authorized amount of 200 yuan." The first application may then obtain a first payment token from the payment application 1 server, with an authorization validity period of one month and an authorized amount of 200 yuan. Specifically, during the process of obtaining the first payment token, the second authorization request sent by the first application to the payment application 1 server may include the authorization validity period and the authorized amount.

[0154] S302. The electronic device obtains a first payment token from a server of a first payment application through the first application.

[0155] The specific content of S302 can be found in S204-S212 above, which will not be expanded here.

[0156] S303. The electronic device receives a first user instruction through a first application, where the first user instruction is used to instantly purchase a first product.

[0157] Instant purchase of the first product refers to immediate purchase of the first product. For example, the first user instruction may be "Please buy me an iced Americano." In response to the first user instruction, the electronic device immediately sends an order request to the first shopping application, executing S304.

[0158] S304. The electronic device sends an order request to the first shopping application via the first application in response to the first user instruction.

[0159] The order request is used to request the purchase of the first product.

[0160] S305. The electronic device generates a first order in response to the order request through the first shopping application, and sends information about the first order to the first application. The first order is used to purchase the first product.

[0161] The specific contents of S303-S305 can be found in S101-S103 and will not be expanded here.

[0162] S306. The electronic device displays information about the first order through the first application.

[0163] The method for an electronic device to display information about a first order through a first application can be found in Figure 5 (b) in the figure will not be expanded here.

[0164] S307. The electronic device sends a payment request to the first payment application through the first application.

[0165] In the first embodiment, the payment request includes a payment token corresponding to the first payment application.

[0166] Specifically, before sending a payment request, the first application can first check whether the first payment token is within the authorization validity period. If not, the first application can prompt the user to obtain the first payment token again or cancel the payment. If so, the first application can continue to check whether the amount of the first order is less than the first authorization amount corresponding to the first payment token.

[0167] If the first application detects that the amount of the first order is less than the first authorized amount of the first payment token, the payment request sent by the first application to the first payment application may include the first payment token. If the first application detects that the amount of the first order is greater than the first authorized amount, the electronic device may obtain a second payment token from the first payment application's server through the first application. The second authorized amount corresponding to the second payment token may be the amount of the first order. In this case, the payment request sent by the first application to the first payment application includes the second payment token.

[0168] In some implementations, the first user instruction may also include a preset amount for purchasing the first product. In this case, the electronic device may obtain a second payment token from the server of the first payment application through the first application before sending the payment request, and the authorized amount corresponding to the second payment token may be the preset amount included in the first user instruction. The payment request sent by the first application to the first payment application may include the second payment token. For example, the first user instruction may be "Please help me book a double room with a price of less than 500 yuan." Then, the electronic device may obtain a payment token 2 with an authorized amount of 500 yuan from the first payment application through the first application. The preset number of uses of payment token 2 is 1. After receiving the information of the first order, the first application sends a payment request containing payment token 2 to the first payment application.

[0169] The payment request may further include an identifier of the first order, an identifier of the first shopping application, an amount of the first order, an identifier of an acquiring merchant in the first shopping application, and the like.

[0170] S308. The electronic device detects that the user confirms payment for the first order.

[0171] In the first embodiment, the electronic device may also prompt the user via the first application or the first payment application whether to confirm payment of the first order. The electronic device may then receive a fourth user instruction for confirming payment of the first order via the first application or the first payment application.

[0172] The fourth user instruction may be a voice instruction. For example, the electronic device may receive a voice instruction such as "confirm payment" or "cancel order" through the first user.

[0173] The fourth user instruction may also be a gesture instruction. Specifically, the electronic device may display a user interface for prompting the user to confirm payment of the first order through the first application or the first payment application, see Figure 11 , and then detecting the user's operation of confirming payment for the first order on the user interface prompting the user to confirm payment for the first order.

[0174] Figure 11 Two user interfaces for prompting the user to confirm payment for the first order are exemplarily shown.

[0175] like Figure 11As shown in (a) of FIG, the electronic device may display a dialog box 30 in the dialogue interface of the first application. Dialog box 30 may display the prompt text "Please confirm payment" and may also display a "Cancel Order" control 31 and a "Confirm Payment" control 32. The "Cancel Order" control 31 is used to cancel payment of the first order, and the "Confirm Payment" control 32 can be used to pay the first order. For example, the electronic device may detect that the user has clicked the "Confirm Payment" control 32, and then the electronic device may send a prompt message to the first payment application through the first application, and continue to complete the payment of the first payment order through the first payment application.

[0176] like Figure 11 As shown in (b) of the figure, the electronic device can also use the first application to open a payment window 33 of the first payment application. Payment window 33 may include a "Cancel Order" control 34 and a "Confirm Payment" control 35. The "Cancel Order" control 34 is used to cancel payment of the first order, while the "Confirm Payment" control 35 can be used to pay the first order. For example, the electronic device may detect that the user has clicked the "Confirm Payment" control 35, and the first payment application may proceed with completing the payment of the first payment order.

[0177] In the interactive process of the payment method provided in Example 1, Figure 11 The user interface shown can be exemplarily Figure 5 (b) is shown after.

[0178] It should be noted that S308 is an optional step in the payment method provided in the first embodiment. In some implementations, S308 may not be performed.

[0179] S309. The electronic device sends an identity verification request to the server of the first payment application through the first payment application.

[0180] S310. The electronic device receives the identity verification result from the server of the first payment application through the first payment application.

[0181] The identity verification request may include a payment token. Upon receiving the identity verification request, the server of the first payment application may verify the legitimacy and validity of the payment token. Legitimacy refers to whether the payment token is generated by the server of the first payment application. Validity refers to whether the payment token is within its authorized validity period, whether the amount of the first order is less than the authorized amount corresponding to the payment token, and other factors.

[0182] If the verification passes, the first payment application's server may return an indication message, such as "Verification Passed," to the first payment application, and then continue with the subsequent payment process. If the verification fails, the first payment application's server may return a warning message to the first payment application based on the specific reason for the verification failure, such as "Payment Token Expired," "Order Amount Exceeds Authorized Amount," etc.

[0183] In some implementations, the electronic device can also perform risk control (i.e., risk management) on the payment for the first order through the first payment application to further enhance payment security. Risk control involves real-time monitoring and intervention of transaction behavior through technical means, rule engines, and data analysis to identify, assess, and intercept potential risks, thereby maintaining the legitimacy of the transaction.

[0184] S311-S313 are the steps for implementing risk control.

[0185] S311. The electronic device detects the user through the first payment application and performs risk control confirmation.

[0186] The first payment application may detect, based on risk control rules, that there are risks associated with the payment of the first order. Examples include remote login, high-frequency trading alerts, and so on. The electronic device may then prompt the user to confirm the risk control via the first payment application or the first application. Specifically, the electronic device may output a second prompt message through the first payment application prompting the user to confirm the risk control. User risk control confirmation methods may include, but are not limited to, entering a verification code, answering security questions, and biometric verification. Through these methods, the first payment application can obtain the risk control confirmation information entered by the user.

[0187] S312. The electronic device sends a risk control verification request to the server of the first payment application through the first payment application.

[0188] S313. The electronic device receives the risk control verification result from the server of the first payment application through the first payment application.

[0189] The risk control verification request may include risk control confirmation information input by the user. The server of the first payment application may perform a risk control verification based on the risk control confirmation information to determine whether to allow payment of the first order to proceed. If the risk control verification passes, an indication message such as "Verification Passed" may be returned to the first payment application, instructing the first payment application to complete payment of the first order. If the risk control verification fails, an indication message such as "Verification Failed" may be returned to the first payment application, instructing the first payment application to terminate payment of the first order.

[0190] In some implementations, S311 - S313 may not be performed, that is, risk detection and risk control confirmation may not be performed.

[0191] S314. The electronic device completes payment for the first order through the first payment application.

[0192] S315. The electronic device receives the payment result from the first payment application through the first application.

[0193] S316. The electronic device displays the payment result through the first application.

[0194] The electronic device can output a first prompt message through the first application according to the payment result to prompt the user that the payment of the first order has been completed. The first prompt message can be a voice prompt message or an interface prompt message. Figure 5 As shown in (c), the electronic device can display prompt information such as "Order payment completed", "A cup of iced American coffee has been purchased for you", etc. on the chat interface of the first application.

[0195] After completing the payment for the first order, the server of the first payment application may also send the payment result to the first shopping application. The first shopping application may process the first order based on the payment result, such as preparing for shipment, recording the transaction, and so on.

[0196] In the first embodiment, a user can open an agent (i.e., a first application) on an electronic device and enter a purchase instruction into the agent. Once a payment token is obtained, the agent can orchestrate tasks to directly complete the order and payment, or simply require a simple user confirmation to complete the order and payment, effectively reducing user interruption and improving convenience.

[0197] Example 2 In a second embodiment, a first user instruction may be used to schedule a purchase of a first product. In response to the first user instruction, the electronic device may create a scheduled task through a first application, and then generate a first order through the first shopping application at a predetermined time. After receiving information about the first order through the first application, the electronic device may send a payment request to the server of the first payment application through the first application. The payment request may be used to request the server of the first payment application to pay for the first order. The electronic device may then receive a first message from the server of the first payment application. The first message may be used to indicate that payment for the first order has been completed.

[0198] Figure 12 The process of Example 2 is exemplified below. S401. The electronic device receives a second user instruction through the first application, where the second user instruction is used to obtain a first payment token.

[0199] S402. The electronic device obtains a first payment token from a server of a first payment application through the first application.

[0200] The specific content of S401-S402 can be found in S301-302, which will not be expanded here.

[0201] S403. The electronic device receives a first user instruction through a first application, where the first user instruction is used to purchase a first product at a scheduled time.

[0202] S404. The electronic device creates a scheduled order task through the first application.

[0203] The scheduled purchase of the first product refers to purchasing the first product at a specific time point or within a time period. In other words, the first user instruction can be used to purchase the first product at a specific time point in the future, or can be used to purchase the first product within a certain time period in the future.

[0204] Figure 13 This is an interactive diagram of the payment method provided in Example 2.

[0205] like Figure 13 As shown in (a) in the figure, the first user instruction received by the first application may be "Please buy me a cup of iced American coffee at 8 o'clock tomorrow morning". The first application may create a first scheduled task based on the first user instruction, and the first scheduled task is used to instruct the first application to send an order request to the first shopping application to purchase a large cup of iced American coffee at 8 o'clock tomorrow morning. The electronic device may also display the created first scheduled task in the dialogue interface of the first application. Figure 13 As shown in (a), the dialogue interface of the first application may display that the execution time of the first scheduled task is "June 1, 2025 8:00", and the content of the first scheduled task is "buy a cup of iced American coffee".

[0206] like Figure 13 As shown in (b), the first user instruction received by the first application may be "Please help me book a hotel with a price less than 1,000 yuan before 8 o'clock tomorrow night." The first application can create a second scheduled task based on the first user instruction. The second scheduled task is used to instruct the first application to monitor the hotel price before 8 o'clock tomorrow night, and send an order request to the first shopping application when the hotel price is less than 1,000 yuan. Specifically, the first application can send the information of the created second scheduled task to the first shopping application. The first shopping application can continuously monitor the price of goods, that is, the hotel price, within a specified time period. When it is detected that the hotel price is less than 1,000 yuan, the first shopping application can send an instruction information to the first application, instructing the first application to send an order request to the first shopping application. As shown in FIG. Figure 13As shown in (b) above, the electronic device can display information about the second scheduled task on the first app's dialog interface, including the execution time "before 20:00 on June 1, 2025" and the task content "book a hotel priced at 1,000 yuan." After the first app sends the second scheduled task information to the first shopping app, the electronic device can also display the text "Shopping app notified of scheduled task" on the first app's dialog interface.

[0207] It should be noted that in Figure 13 In the scenario shown in (b), after receiving the first user's instruction, the first application can obtain a second payment token with an authorization amount of 1,000 yuan and an authorization validity period before 20:00 on June 1, 2025 from the first payment application.

[0208] S405. The electronic device sends an order request to the first shopping application through the first application, where the order request is used to request to purchase the first product.

[0209] S406. The electronic device generates first order information in response to the order request through the first shopping application, and sends the first order information to the first application. The first order is used to purchase the first product.

[0210] The specific content of S405-S406 can be referred to S304-S305 and will not be expanded here.

[0211] S407. The electronic device sends a payment request to the server of the first payment application through the first application.

[0212] In the timed purchase scenario of the second embodiment, the first application may send a payment request to the server of the first payment application. The payment request may include the first payment token or the second payment token according to the circumstances. For details, see S307.

[0213] In the second embodiment, the electronic device may further perform risk control (i.e., risk control) on the payment of the first order through the server of the first payment application. Specifically, steps S408-S413 are included.

[0214] S408. The server of the first payment application identifies the transaction risk.

[0215] The server of the first payment application may detect, based on risk control rules, that there is a risk in the payment of the first order, and trigger a user transaction risk control process.

[0216] S409. The server of the first payment application suspends payment for the first order.

[0217] S410. The electronic device notifies the user to confirm the risk control.

[0218] In the second embodiment, the server of the first payment application can send a risk warning message to the first application, which then notifies the user to confirm the risk control via voice or user interface display. The electronic device can also notify the user to confirm the risk control via system notification (such as push notification) or SMS verification code.

[0219] S411. The electronic device detects the user through the first payment application and performs risk control confirmation.

[0220] S412. The electronic device sends a risk control verification request to the server of the first payment application through the first payment application.

[0221] S413. The electronic device receives the risk control verification result from the server of the first payment application through the first payment application.

[0222] For the specific content of S411-S413, please refer to S311-S312 and will not be expanded here.

[0223] In some implementations, S408-S413 may not be performed, that is, risk detection and risk control confirmation may not be performed.

[0224] S414. The electronic device completes payment for the first order through the server of the first payment application.

[0225] S415. The electronic device receives the payment result from the server of the first payment application through the first application.

[0226] In other embodiments, when the first user instruction is for immediate purchase of the first product, the electronic device may also execute S301-S306 in Example 1 and then execute S407-S415 in Example 2 to complete payment for the order. That is, when the first user instruction is for immediate purchase of the first product, the first application may immediately send an order request to the first shopping application and receive information about the first order. The first application may then send a payment request to the server of the first payment application to complete payment for the first order.

[0227] In other embodiments, when the first user instruction is for a scheduled purchase of a first product, the electronic device may also execute S401-S406 in Example 2 and then execute S307-S316 in Example 1 to complete payment for the order. That is, when the first user instruction is for a scheduled purchase of a first product, the first application may construct a scheduled task to periodically send an order request to the first shopping application and receive information about the first order. The first application may then send a payment request to the first payment application to complete payment for the first order.

[0228] The embodiment of the present application also provides an electronic device 100.

[0229] Figure 14 An electronic device 100 provided in an embodiment of the present application is exemplarily shown.

[0230] The electronic device 100 may be implemented as the electronic device mentioned above.

[0231] The device type of the electronic device 100 can be any of a smartphone, a tablet computer, a handheld computer, a desktop computer, a laptop computer, an ultra-mobile personal computer (UMPC), a personal digital assistant (PDA), wearable devices such as smart bracelets, smart watches, smart glasses, extended reality (XR) devices such as augmented reality (AR), virtual reality (VR), and mixed reality (MR), in-vehicle devices or smart city devices, etc.

[0232] The electronic device 100 may include a processor 110, an external memory interface 120, an internal memory 121, a universal serial bus (USB) interface 130, a charging management module 140, a power management module 141, a battery 142, an antenna 1, an antenna 2, a mobile communication module 150, a wireless communication module 160, an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, an earphone interface 170D, a sensor module 180, a button 190, a motor 191, an indicator 192, a camera 193, a display 194, and a subscriber identification module (SIM) card interface 195. The sensor module 180 may include a pressure sensor 180A, a magnetic sensor 180D, a proximity light sensor 180G, a fingerprint sensor 180H, a touch sensor 180K, an ambient light sensor 180L, a bone conduction sensor 180M, and the like.

[0233] The processor 110 may be one or more processors, which may be integrated within a system-on-chip (SOC) integrated circuit. An SOC is a system-on-chip (SoC). The processor 110 may include a central processing unit (CPU), a graphics processing unit (GPU), a neural-network processing unit (NPU), etc. The CPU may include an application processor (AP) and a baseband processor (BP). The AP is responsible for running the operating system, user interface, and applications on the terminal device; the BP is responsible for transmitting and receiving wireless signals and managing radio frequency services. The GPU is responsible for graphics rendering, shading based on rendering instructions and data from the CPU, and for filling, rendering, and outputting materials. The NPU draws on the structure of biological neural networks, such as the transmission patterns between neurons in the human brain, to rapidly process input information and is capable of continuous self-learning. The NPU can be used to run artificial intelligence algorithms, such as editing instruction recommendation algorithms, image processing algorithms, and image understanding algorithms. The CPU and GPU are used to render and synthesize images to be displayed on the display screen 194.

[0234] The external memory interface 120 can be used to connect an external memory card, such as a Micro SD card, to expand the storage capacity of the electronic device 100. The external memory card communicates with the processor 110 via the external memory interface 120 to implement data storage functions. For example, data such as music, photos, and videos can be stored on the external memory card.

[0235] The internal memory 121 can be used to store one or more computer programs. The processor 110 can execute the payment methods provided in some embodiments of the present application, as well as various functional applications and data processing, by running the computer programs stored in the internal memory 121. In an embodiment of the present application, the internal memory 121 can store the program code of the first application, the program code of the first shopping application, and the program code of the first payment application. The processor 110 can implement functions such as receiving user instructions, parsing user instructions, sending order requests to the first shopping application, and sending payment requests to the first payment application or its server by running the program code of the first application. The processor 110 can implement functions such as receiving order requests, generating a first order, and sending information about the first order to the first application by running the program code of the first shopping application. The processor 110 can implement functions such as receiving order requests, completing payment for the first order, and so on by running the program code of the first payment application.

[0236] The wireless communication function of the electronic device 100 can be implemented through the antenna 1, the antenna 2, the mobile communication module 150, the wireless communication module 160, the modem processor and the baseband processor.

[0237] Antenna 1 and antenna 2 are used to transmit and receive electromagnetic wave signals. Each antenna in electronic device 100 can be used to cover a single or multiple communication frequency bands. Different antennas can also be reused to improve antenna utilization. In other embodiments, the antenna can be used in conjunction with a tuning switch.

[0238] The mobile communication module 150 can provide solutions for wireless communications including 2G / 3G / 4G / 5G, etc., applied to the electronic device 100. The mobile communication module 150 can receive electromagnetic waves through the antenna 1, filter, amplify and other processing on the received electromagnetic waves, and transmit them to the modulation and demodulation processor for demodulation. The mobile communication module 150 can also amplify the signal modulated by the modulation and demodulation processor, and convert it into electromagnetic waves for radiation through the antenna 1. In some embodiments, at least some of the functional modules of the mobile communication module 150 can be set in the processor 110. In some embodiments, at least some of the functional modules of the mobile communication module 150 can be set in the same device as at least some of the modules of the processor 110.

[0239] The wireless communication module 160 can provide wireless communication solutions for electronic device 100, including wireless local area network (WLAN), Bluetooth, global navigation satellite system (GNSS), frequency modulation (FM), short-range wireless communication (NFC), infrared technology, and other technologies. The wireless communication module 160 can be one or more devices integrating at least one communication processing module. The wireless communication module 160 receives electromagnetic waves via antenna 2, frequency modulates and filters the electromagnetic wave signals, and transmits the processed signals to processor 110. The wireless communication module 160 can also receive signals to be transmitted from processor 110, frequency modulate and amplify them, and then convert them into electromagnetic waves for radiation via antenna 2.

[0240] In some embodiments, antenna 1 of electronic device 100 is coupled to mobile communication module 150 , and antenna 2 is coupled to wireless communication module 160 , so that electronic device 100 can communicate with the network and other devices through wireless communication technology.

[0241] The electronic device can implement audio functions such as music playback and recording through the audio module 170, the speaker 170A, the receiver 170B, the microphone 170C, the headphone jack 170D, and the application processor.

[0242] The audio module 170 is used to convert digital audio information into analog audio signal output, and is also used to convert analog audio input into digital audio signals. The audio module 170 can also be used to encode and decode audio signals. In some embodiments, the audio module 170 can be provided in the processor 110, or some functional modules of the audio module 170 can be provided in the processor 110.

[0243] The speaker 170A, also called a "speaker," is used to convert audio electrical signals into sound signals. The electronic device can listen to music or make hands-free calls through the speaker 170A.

[0244] The receiver 170B, also called a "handset", is used to convert audio electrical signals into sound signals. When the electronic device receives a call or voice message, the voice can be heard by placing the receiver 170B close to the human ear.

[0245] Microphone 170C, also known as "microphone" or "microphone", is used to convert sound signals into electrical signals. When making a call or sending a voice message, the user can speak by putting their mouth close to the microphone 170C to input the sound signal into the microphone 170C. The electronic device can be provided with at least one microphone 170C. In other embodiments, the electronic device can be provided with two microphones 170C, which can not only collect sound signals but also realize noise reduction function. In other embodiments, the electronic device can also be provided with three, four or more microphones 170C to realize sound signal collection, noise reduction, and identification of sound sources, and realize directional recording function, etc.

[0246] The earphone jack 170D is used to connect a wired earphone and can be a USB interface 130 or a 3.5mm open mobile terminal platform (OMTP) standard interface.

[0247] Electronic device 100 implements display functionality through a GPU, display screen 194, and an application processor. A GPU is a microprocessor for image processing that connects display screen 194 and the application processor. The GPU is used to perform mathematical and geometric calculations for graphics rendering. Processor 110 may include one or more GPUs that execute instructions to generate or modify display information.

[0248] The display screen 194 is used to display images, videos, etc. The display screen 194 includes a display panel. In some embodiments, the electronic device 100 may include one or N display screens 194, where N is a positive integer greater than one.

[0249] A touch sensor may be provided in the display screen 194. The touch sensor is used to detect a touch operation applied thereto or in the vicinity thereof. The touch sensor may transmit the detected touch operation to the application processor to determine the type of touch event. Furthermore, the electronic device may provide a visual output related to the touch operation through the display screen 194. The electronic device may implement a display function through a GPU, the display screen 194, a touch sensor, and an application processor. In an embodiment of the present application, the electronic device may display a dialog interface of the first application, etc., to the user through the display function provided by the GPU, the display screen 194, the touch sensor, and the application processor, and may perform user interaction with the electronic device through the above-mentioned display screen 194.

[0250] The components in the electronic device 100 may be implemented as hardware modules, or as software modules, or as a combination of software and hardware modules. Figure 14 The device structure shown does not constitute a specific limitation on the electronic device 100. In other embodiments of the present application, the electronic device 100 may include more or fewer components than shown, or combine or separate some components, or arrange the components differently.

[0251] The embodiment of the present application further provides a server 200. The server 200 can be implemented as the server of the first payment application in the above method embodiment.

[0252] Figure 15 The server 200 provided in an embodiment of the present application is exemplarily shown.

[0253] like Figure 15 As shown, the server 200 may include: a processor 210, a memory 220, an input and output device 230, a communication module 240, etc. These components may be coupled via a bus.

[0254] The server 200 may have powerful computing resources, and the processor 210 thereon may include one or more processors with powerful computing power, such as a central processing unit (CPU), a neural network processing unit (NPU), a graphics processing unit (GPU), etc.

[0255] The processor 210 may include one or more interfaces, such as an inter-integrated circuit (I2C) interface, an inter-integrated circuit sound (I2S) interface, a pulse code modulation (PCM) interface, a universal asynchronous receiver / transmitter (UART) interface, a mobile industry processor interface (MIPI), a general-purpose input and output (GPIO) interface, a subscriber identity module (SIM) interface, and / or a universal serial bus (USB) interface.

[0256] The processor 210 may be provided with a cache memory for storing instructions or data that have just been used or are cyclically used by the processor 210. If the processor 210 needs to use the instruction or data again, it can be directly called from the cache memory, which can reduce the waiting time of the processor 210 and improve the efficiency of program operation.

[0257] The processor 210 may also be connected to an external memory. The memory may be a high-speed random access memory or a non-volatile memory, such as a disk, flash memory, universal flash memory (UFS), etc. The memory may also be an external memory card, such as a Micro SD card.

[0258] Processor 210 is the computing core of server 200 and possesses powerful computing capabilities. It is coupled to memory 220 and can be used to read and execute computer-readable instructions stored in memory 220, running an operating system and various programs. Specifically, CPU 210 can be used to call programs stored in memory 220, such as the payment method implementation program provided in the embodiments of this application, and execute the instructions contained in the program.

[0259] The memory 220 may include a high-speed random access memory, a non-volatile memory, such as a disk, a flash memory or other non-volatile solid-state storage device. The memory 220 can be used to store various software programs and multiple sets of instructions. The memory 220 can store an operating system, such as an operating system such as Linux. The memory 220 can also store one or more programs, such as programs involved in patch production, such as a compiler and a linker. The memory 220 can also store an implementation program of the payment method provided in the embodiment of the present application. In the embodiment of the present application, the processor 210 can receive the authorization request and order request sent by the electronic device 100 by running the program in the memory 220, and can also perform user identity authentication and generate a payment token, complete the payment of the first order, and so on.

[0260] The input and output devices 230 may include a display screen, a keyboard, a mouse and other devices, which can be used to receive user input and output program execution results to the user.

[0261] The communication module 240 may include a wired communication module and a wireless communication module. The wired communication module may support wired communication protocols such as Universal Serial Bus (USB), serial port, and Ethernet, communicating with other devices via physical communication cables. The wireless communication module may include 2G / 3G / 4G / 5G wireless communication modules and Wi-Fi communication modules. The wireless communication module receives electromagnetic waves via an antenna, frequency-modulates and filters the electromagnetic wave signals, and transmits the processed signals to the processor 210. The wireless communication module may also receive signals to be transmitted from the processor 210, frequency-modulate and amplify them, and then convert them into electromagnetic waves for radiation via the antenna.

[0262] Figure 15 The illustrated structure does not limit the server 200. The server 200 may include more or fewer components than shown, or may combine or separate some components, or arrange the components differently. The components shown in the figure may be implemented in hardware, software, or a combination of software and hardware.

[0263] The embodiment of the present application also provides a communication system 300.

[0264] Figure 16 The communication system 300 provided in an embodiment of the present application is exemplarily shown.

[0265] like Figure 16 As shown, the communication system 300 may include an electronic device 100 and a server 200 .

[0266] Among them, the electronic device may include a first application, a payment application, and a shopping application.

[0267] The first application may include an agent, or may call an agent. The first application may receive user instructions. In response to the user instructions, the first application may send an order request to the shopping application, send an authorization request to server 200, and then obtain a payment token, etc. After receiving the order request sent by the first application, the shopping application may generate order information and send the order information to the first application. Based on the order information, the first application may send a payment request carrying a payment token to the payment application or server 200. In some embodiments, the first application may also display order information, payment results, risk warnings, authorization records for obtaining payment tokens, etc. to the user.

[0268] The server 200 may be a server for a payment application. In an embodiment of the present application, the server 200 may receive the registration information of the first application and the registration information of the shopping application, and establish an agency relationship between the first application and the shopping application, that is, the first application may act as an agent for the shopping application to complete the payment of the order on the server 200. The server 200 may also receive an authorization request sent by the first application, and then generate a payment token and return the payment token to the first application on the electronic device 100. The server 200 may receive a payment request from the first application, and then complete the payment of the order based on the payment token included in the payment request, and return the payment result to the first application and the shopping application. In some embodiments, the server 200 may also perform risk control and risk verification to ensure the security of the payment transaction.

[0269] An embodiment of the present application further provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the payment method provided in the embodiment of the present application can be implemented.

[0270] The embodiment of the present application also provides a computer program product, which, when executed, can implement the payment method provided in the embodiment of the present application.

[0271] The present application also provides a chip system, which includes a processor coupled to a memory, and the processor executes a computer program stored in the memory to implement the payment method provided in the present application. The chip system can be a single chip or a chip module composed of multiple chips.

[0272] Those skilled in the art will appreciate that in one or more of the above examples, the functions described in the embodiments of the present application can be implemented using hardware, software, firmware, or any combination thereof. When implemented using software, these functions can be stored in a computer-readable medium or transmitted as one or more instructions or codes on a computer-readable medium. Computer-readable media include computer storage media and communication media, wherein communication media include any media that facilitates the transmission of computer programs from one place to another. The storage medium can be any available medium that can be accessed by a general-purpose or special-purpose computer.

[0273] The terms "first" and "second" in the embodiments of this application are used for descriptive purposes only and should not be understood to imply or suggest relative importance or implicitly indicate the number of technical features indicated. Therefore, features defined as "first" or "second" may explicitly or implicitly include one or more of the features. In the description of the embodiments of this application, unless otherwise specified, "plurality" means two or more.

[0274] The above specific implementation methods further explain in detail the purpose, technical solutions and beneficial effects of the embodiments of the present application. It should be understood that the above are only specific implementation methods of the embodiments of the present application and are not intended to limit the scope of protection of the embodiments of the present application. Any modifications, equivalent replacements, improvements, etc. made on the basis of the technical solutions of the embodiments of the present application should be included in the scope of protection of the embodiments of the present application.

Claims

1. A payment method, characterized in that: The method comprises: The electronic device receives a first user instruction through a first application, where the first user instruction is for purchasing a first product; The electronic device sends an order request to a first shopping application via the first application in response to the first user instruction, wherein the order request is used to request the purchase of the first product and includes an identifier of the first product; The electronic device generates, through the first shopping application, first order information in response to the order request, and sends the first order information to the first application, where the first order is for purchasing the first product and the first order information includes the amount of the first order; After the electronic device receives the information of the first order through the first application, it completes the payment of the first order.

2. The method according to claim 1, wherein After the electronic device receives the information of the first order through the first application, completing the payment of the first order includes: After receiving the information of the first order through the first application, the electronic device sends a payment request to a first payment application through the first application, where the payment request is used to request payment for the first order; The electronic device completes the payment of the first order in response to the payment request through the first payment application.

3. The method according to claim 2, wherein The first user instruction is used to immediately purchase the first commodity.

4. The method according to claim 1, wherein After the electronic device receives the information of the first order through the first application, completing the payment of the first order includes: After receiving the information of the first order through the first application, the electronic device sends a payment request to the server of the first payment application through the first application, wherein the payment request is used to request the server of the first payment application to pay the first order; The electronic device receives a first message from a server of the first payment application, where the first message is used to indicate that payment for the first order has been completed.

5. The method according to claim 4, wherein The first user instruction is used to purchase the first commodity at a scheduled time.

6. The method according to any one of claims 2 to 5, characterized in that The payment request includes a payment token.

7. The method according to claim 6, wherein The method further comprises: The electronic device obtains the payment token through the first application.

8. The method according to claim 7, wherein The electronic device obtaining the payment token through the first application includes: The electronic device displays a first user interface through the first payment application, where the first user interface is used to prompt the user to enter identity verification information; The electronic device receives first identity authentication information in the first user interface; The electronic device receives, through the first application, a verification result from the first payment application, where the verification result indicates that the first identity verification information has passed; The electronic device sends a second authorization request to the server of the first payment application through the first application, where the second authorization request is used to request a payment token; The electronic device receives the payment token from the server of the first payment application through the first application.

9. The method according to claim 8, wherein Before the electronic device displays the first user interface through the first payment application, the method further includes: The electronic device sends a first authorization request to the server of the first payment application through the first application; The electronic device receives a first authorization identifier from a server of the first payment application through the first application.

10. The method according to claim 8 or 9, characterized in that The payment token includes a first payment token, which is obtained by the electronic device through the first application before receiving the first user instruction, and corresponds to a first authorized amount; Before sending the payment request, the method further includes: If it is detected through the first application that the amount of the first order is less than the first authorized amount, the payment request includes the first payment token.

11. The method according to claim 10, wherein The payment token includes a second payment token, and the second payment token is obtained after the first user instruction is received through the first application; Before sending the payment request, the method further includes: If it is detected through the first application that the amount of the first order is greater than the first authorization amount, or the first user instruction includes a preset amount, the payment request includes the second payment token, and the second authorization amount corresponding to the second payment token is the amount of the first order or the preset amount.

12. The method according to claim 11, wherein The first payment token becomes invalid after the first authorization validity period ends.

13. The method according to claim 11 or 12, wherein: The second payment token becomes invalid when the number of uses reaches a preset number of uses or the second authorization validity period expires.

14. The method according to claim 13, wherein The method further comprises: The electronic device receives a third user instruction through the first application; In response to the third user instruction, the electronic device displays one or more of the following through the first application: the authorization time of the payment token, the authorization validity period, the authorization amount, and the corresponding payment application.

15. The method according to claim 14, wherein Before the electronic device receives the first user instruction through the first application, the method further includes: The electronic device sends first registration information to the server of the first payment application through the first application; The electronic device sends second registration information to the server of the first payment application through the first shopping application, the first shopping application integrates shopping information of one or more merchants, and the second registration information includes registration information of the one or more merchants.

16. The method according to claim 14 or 15, characterized in that After the electronic device receives the information of the first order through the first application, the method further includes: The electronic device displays information about the first order through the first application.

17. The method according to claim 16, wherein After the electronic device receives the information of the first order through the first application and completes the payment of the first order, the method further includes: The electronic device outputs a first prompt message through the first application, where the first prompt message is used to prompt the user that payment for the first order has been completed.

18. The method according to claim 17, wherein After the electronic device receives the information of the first order through the first application and before completing the payment of the first order, the method further includes: The electronic device outputs second prompt information through the first payment application, where the second prompt information is used to prompt the user to perform risk verification.

19. The method according to claim 17 or 18, wherein: After sending the payment request, the method further includes: The electronic device receives a fourth user instruction, where the fourth user instruction is used to confirm payment of the first order.

20. The method according to claim 19, wherein The first application is a voice assistant application.

21. An electronic device, characterized in that: The electronic device is installed with a first application, a first shopping application, and a first payment application. The electronic device also includes a memory, a processor, and a computer program stored in the memory. The processor executes the computer program to implement the steps of the method described in any one of claims 1-20.

22. A communication system comprising: An electronic device and a server, wherein the electronic device is the electronic device according to any one of claims 1 to 21; The server is the server according to any one of claims 4 to 15.

23. A computer-readable storage medium, characterized in that A computer program is stored thereon, and when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 20 are implemented.

24. A computer program product, characterized in that The invention comprises a computer program, which implements the steps of the method according to any one of claims 1 to 20 when executed by a processor.

25. A chip system, characterized in that: The chip system includes one or more processors, and the processors are used to call computer instructions to execute the method according to any one of claims 1 to 20.

Images