Payment processing method and device, equipment, medium and program product

Abstract

The embodiment of the invention provides a payment processing method and device, equipment, a medium and a program product, and can relate to the Internet technology, and the method comprises the steps that a background server receives current express order information corresponding to a target user sent by a first terminal; wherein the first terminal is arranged at a destination corresponding to the current express; sending a candidate payment mode corresponding to the current express order information to the first terminal; receiving first indication information sent by the first terminal; wherein the first indication information is used for indicating a target payment mode selected by the courier in the candidate payment modes; and pushing a payment page corresponding to the target payment mode to a second terminal corresponding to the target user, so that the target user completes payment of the current express. The first terminal is located at the destination corresponding to the current express, so that the delivery can be realized, the wrong delivery condition is avoided, and the user experience can be improved.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of Internet technology, and in particular to a payment processing method, apparatus, device, medium, and program product. Background Art

[0002] Express payment methods include cash on delivery, online payment, bank transfer, etc. Among them, cash on delivery is a payment method with a higher frequency of use.

[0003] Currently, with cash on delivery (COD) options, if the recipient is not at the destination, payment may not be completed. Alternatively, if the recipient is not at the destination, payment can be made through a bank transfer or other methods, but the recipient has no way of knowing whether the package has actually arrived, and bears the risk of misdelivery. In short, the current COD method suffers from a poor user experience. Summary of the Invention

[0004] The embodiments of the present application provide a payment processing method, apparatus, device, medium, and program product, thereby improving user experience.

[0005] In a first aspect, an embodiment of the present application provides a payment processing method, which is applied to a background server corresponding to an instant messaging client, and the method includes: receiving current express order information corresponding to a target user sent by a first terminal; wherein the first terminal is set at a destination corresponding to the current express; sending a candidate payment mode corresponding to the current express order information to the first terminal; receiving a first indication message sent by the first terminal; wherein the first indication message is used to indicate the target payment mode selected by the courier from the candidate payment modes; and pushing a payment page corresponding to the target payment mode to a second terminal corresponding to the target user, so that the target user can complete the payment for the current express.

[0006] In a second aspect, an embodiment of the present application provides a payment processing method, which is applied to a first terminal, wherein the first terminal is set at a destination corresponding to the current express delivery; the method includes: sending the current express delivery order information corresponding to the target user to the background server corresponding to the instant messaging client; receiving the candidate payment mode corresponding to the current express delivery order information sent by the background server; receiving a selection operation for the target payment mode among the candidate payment modes; generating a first indication information in response to the selection operation; wherein the first indication information is used to indicate the target payment mode selected by the courier among the candidate payment modes; sending the first indication information to the background server so that the background server pushes the payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery.

[0007] In a third aspect, an embodiment of the present application provides a payment processing device, comprising: a communication module, configured to: receive current express order information corresponding to a target user sent by a first terminal; wherein the first terminal is set at a destination corresponding to the current express; send a candidate payment mode corresponding to the current express order information to the first terminal; receive a first indication message sent by the first terminal; wherein the first indication message is used to indicate the target payment mode selected by the courier from the candidate payment modes; and push a payment page corresponding to the target payment mode to a second terminal corresponding to the target user, so that the target user can complete payment for the current express.

[0008] In some implementations, the communication module is specifically configured to: upon determining that there is a first association relationship between the identifier of the first terminal and the current express order information, send the candidate payment mode to the first terminal.

[0009] In some implementations, the communication module is further used to: when the communication module determines that there is a first association relationship between the identifier of the first terminal and the current express order information, before sending the candidate payment mode to the first terminal, receive the first association relationship sent by the second terminal.

[0010] In some possible implementations, the communication module is specifically used to: upon determining a specific second association relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client, push the payment page corresponding to the target payment mode to the second terminal, so that the target user can complete the payment for the current express delivery.

[0011] In some possible implementations, the communication module is also used to: when the communication module determines a specific second association relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client, push the payment page corresponding to the target payment mode to the second terminal, so that the target user receives the second association relationship sent by the first terminal before completing the payment for the current express delivery.

[0012] In some possible implementations, the communication module is further used to: receive a first terminal management page display request sent by the second terminal before the communication module receives the second association relationship sent by the first terminal; send a first terminal management page display response to the second terminal, so that the second terminal displays the first terminal management page based on the first terminal management page display response; receive an authorization request sent by the second terminal; wherein the authorization request is generated based on the authorization operation of the target user on the first terminal management page; send an authorization response to the second terminal; wherein the authorization response is used to indicate that the second terminal is allowed to initiate a payment operation for the related order through the first terminal.

[0013] In some implementations, the communication module is specifically configured to: if the target payment mode is the direct debit mode, push the direct debit payment page to the second terminal so that the target user can complete the payment for the current express delivery.

[0014] In some possible implementations, the payment processing device also includes: a processing module, which is used to: before the communication module pushes the payment page corresponding to the target payment mode to the second terminal corresponding to the target user so that the target user completes the payment for the current express, if the target payment mode is a transfer mode, obtain the courier account information of the courier on the instant messaging client; accordingly, the communication module is specifically used to: push the transfer payment page to the second terminal so that the target user completes the payment for the current express; wherein, the transfer payment page includes: courier account information.

[0015] In some possible implementations, the communication module is also used to: send a second indication message to the first terminal; wherein the second indication message is used to instruct the first terminal to collect the courier's biometric image; receive the courier's biometric image sent for the first time by the first terminal; push a registration QR code to the first terminal; receive a registration request sent by a third terminal corresponding to the courier by scanning the registration QR code; wherein the registration request includes: courier account information; the processing module is used to extract features from the courier's biometric image received for the first time, obtain the courier's biometric features, and generate a third association relationship between the courier's biometric features and the courier's account information; the communication module is also used to receive the courier's biometric image sent again by the first terminal; the processing module is also used to: extract features from the courier's biometric image received again, obtain the courier's biometric features, and determine the courier's account information based on the courier's biometric features and the third association relationship.

[0016] In some possible implementations, the communication module is further used to send a third indication message to the first terminal; wherein the third indication message is used to instruct the first terminal to collect the courier's biometric image; receive the courier's biometric image sent by the first terminal; the processing module is used to: extract features from the courier's biometric image to obtain the courier's biometric features, and determine the courier's identity information based on a fourth association relationship between the courier's biometric features and the courier's identity information and the courier's biometric features; determine the courier's account information based on a fifth association relationship between the courier's identity information and the courier's account information and the courier's identity information.

[0017] In a fourth aspect, an embodiment of the present application provides a payment processing device, which is set at the destination corresponding to the current express delivery; the payment processing device includes: a communication module and a processing module. The communication module is used to send the current express delivery order information corresponding to the target user to the background server corresponding to the instant messaging client; the communication module is also used to receive the candidate payment mode corresponding to the current express delivery order information sent by the background server; the communication module is also used to receive the selection operation for the target payment mode among the candidate payment modes; the processing module is used to generate a first indication information in response to the selection operation; wherein the first indication information is used to indicate the target payment mode selected by the courier among the candidate payment modes; the communication module is also used to send the first indication information to the background server, so that the background server pushes the payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery.

[0018] In some implementations, the communication module is further configured to send a second association between the identifier of the payment processing apparatus and the user account information of the target user on the instant messaging client to the backend server.

[0019] In some possible implementations, the communication module is also used to receive a second indication message sent by the background server; the processing module is also used to collect the courier's biometric image in response to the second indication message; the communication module is also used to: send the courier's biometric image to the background server for the first time; receive the registration QR code sent by the background server; so that the third terminal corresponding to the courier sends a registration request to the background server by scanning the registration QR code; wherein the registration request includes: courier account information; so that the background server performs feature extraction on the courier's biometric image received for the first time, obtains the courier's biometric features, and generates a third association relationship between the courier's biometric features and the courier's account information on the courier's on the instant messaging client; the processing module is also used to collect the courier's biometric image again; the communication module is also used to send the courier's biometric image to the background server again; so that the background server performs feature extraction on the courier's biometric image received again, obtains the courier's biometric features, and determines the courier's account information based on the courier's biometric features and the third association relationship.

[0020] In some possible implementations, the communication module is further used to receive a third indication message sent by the background server; the processing module is further used to collect the courier's biometric image in response to the third indication message; the communication module is further used to send the courier's biometric image to the background server; so that the background server performs feature extraction on the courier's biometric image to obtain the courier's biometric features, and determines the courier's identity information based on the fourth association relationship between the courier's biometric features and the courier's identity information and the courier's biometric features; and determines the courier's account information based on the fifth association relationship between the courier's identity information and the courier's account information and the courier's identity information.

[0021] In some possible implementations, before the communication module sends the current express order information corresponding to the target user to the background server corresponding to the instant messaging client, the communication module is also used to obtain the barcode image of the current express; the processing module is also used to: perform image processing on the barcode image to obtain multiple bar blocks; based on the barcode encoding rules, decode the width of each bar block to obtain the corresponding number or character; based on the order information rules, determine the current express order information among the numbers or characters corresponding to the multiple bar blocks.

[0022] In a fifth aspect, an electronic device is provided, comprising: a processor and a memory, the memory being used to store a computer program, the processor being used to call and run the computer program stored in the memory, and executing the methods as described in the first aspect to the second aspect or their respective implementations.

[0023] In a sixth aspect, a computer-readable storage medium is provided for storing a computer program, wherein the computer program enables a computer to execute the method as described in the first aspect to the second aspect or their respective implementations.

[0024] In a seventh aspect, a computer program product is provided, comprising computer program instructions, which enable a computer to execute the method as described in the first aspect to the second aspect or their respective implementations.

[0025] In an eighth aspect, a computer program is provided, which enables a computer to execute the method in the first aspect to the second aspect or their respective implementations.

[0026] Through the technical solution provided by this application, the embodiment of this application proposes to realize cash on delivery by setting a first terminal at the destination corresponding to the current express delivery. Since the first terminal is located at the destination corresponding to the current express delivery, not only can cash on delivery be realized, but also misdelivery will not occur. In short, the user experience can be improved. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0028] Figure 1 A schematic diagram of a system architecture involved in an embodiment of the present application;

[0029] Figure 2 An interactive flow chart of a payment processing method provided in an embodiment of the present application;

[0030] Figure 3 A schematic diagram of an interface provided in an embodiment of the present application;

[0031] Figure 4 Another interface diagram provided in an embodiment of the present application;

[0032] Figure 5 A schematic diagram of another interface provided in an embodiment of the present application;

[0033] Figure 6 Another interface diagram provided in an embodiment of the present application;

[0034] Figure 7 A schematic diagram of a payment processing device 700 provided in an embodiment of the present application;

[0035] Figure 8 A schematic diagram of a payment processing device 800 provided in an embodiment of the present application;

[0036] Figure 9 is a schematic block diagram of a terminal device 900 provided in an embodiment of the present application;

[0037] Figure 10 It is a schematic block diagram of the background server 1000 provided in an embodiment of the present application. DETAILED DESCRIPTION

[0038] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making any creative efforts shall fall within the scope of protection of the present invention.

[0039] It should be noted that the terms "first", "second", etc. in the description and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that the numbers used in this way are interchangeable where appropriate so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or server that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0040] In the embodiments of the present application, the term "module" or "unit" refers to a computer program or a part of a computer program that has a predetermined function and works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as processing circuits or memories) or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be part of an overall module or unit that includes the function of the module or unit.

[0041] The embodiments of the present application may relate to mobile payment in Internet technology.

[0042] Among them, Internet technology refers to an information technology developed and established on the basis of computer technology. It connects individual computers or networks together to form a specific network system and realizes the transmission and sharing of information.

[0043] Mobile payment refers to electronic currency payments made by mobile clients using electronic devices such as mobile phones. Mobile payment effectively integrates the internet, terminal devices, and financial institutions to form a new payment system. Mobile payment has created a new payment method and promoted the popularization of electronic currency.

[0044] Among them, in the embodiment of the present application, a first terminal set at the destination corresponding to the current express delivery, a second terminal installed with an instant messaging client, and a background server corresponding to the instant messaging client can realize mobile payment.

[0045] The following is an explanation of the relevant knowledge involved in this application:

[0046] 1. An instant messaging client is an internet-based communication tool that allows users to communicate in real time through text, voice, video, and other means. Common instant messaging clients include, but are not limited to, WeChat, QQ, and WeChat for Business. These communication tools typically provide instant messaging, voice calls, video calls, file transfers, and other features, enabling users to communicate and collaborate conveniently.

[0047] 2. Biometric recognition technology is a technology that uses the user's biological characteristics to authenticate identity. Among them, biometric characteristics include at least one of the following: the user's fingerprint, palm print, face, iris, voice print, etc.

[0048] 3. Serial Number (SN) is a unique number used to identify an item or device.

[0049] The following describes the technical problems, inventive concepts, and system architecture to be solved by the embodiments of the present application:

[0050] As mentioned above, with current cash on delivery (COD) options, if the recipient is not at the destination, payment may not be completed. Alternatively, if the recipient is not at the destination, payment can be made through a bank transfer or other methods, but the recipient has no way of knowing whether the package has actually arrived at the destination, and bears the risk of misdelivery. In short, current COD options suffer from a poor user experience.

[0051] In order to solve the above technical problems, the embodiment of the present application proposes to realize cash on delivery by setting a first terminal at the destination corresponding to the current express delivery. Since the first terminal is located at the destination corresponding to the current express delivery, not only can cash on delivery be realized, but also misdelivery will not occur. In short, the user experience can be improved.

[0052] In some implementations, the system architecture of the embodiment of the present application is as follows: Figure 1 shown.

[0053] Figure 1 Schematic diagram of a system architecture involved in an embodiment of the present application, including a first terminal 110, a backend server 120 corresponding to an instant messaging client, and a second terminal 130.

[0054] The first terminal 110 is set at the destination corresponding to the current express delivery. The first terminal 110 can be a biometric recognition device, but is not limited thereto, and can be, for example, a palm print recognition device, a face recognition device, a fingerprint recognition device, etc.

[0055] In some possible implementations, in addition to implementing the payment processing function provided in the embodiments of the present application, the first terminal 110 may also implement other functions, such as an access control function. For example, the first terminal 110 may be a palm-swipe access control device.

[0056] In some possible implementations, the backend server 120 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers. It can also be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms.

[0057] The second terminal 130 corresponds to the target user (ie, the recipient of the current express delivery). The second terminal 130 may be installed with an instant messaging client to perform mobile payment, such as transfer, deduction, etc., through the instant messaging client.

[0058] It should be understood that the instant messaging client can be any communication tool based on Internet technology that allows users to communicate with each other in real time through text, voice, video, etc., such as WeChat, QQ, Enterprise WeChat, etc., but not limited to these.

[0059] In some implementations, the second terminal 130 may be a smart phone, a tablet computer, a smart watch, virtual reality (VR), augmented reality (AR), etc., but is not limited thereto.

[0060] The first terminal 110 and the backend server 120 may be connected directly or indirectly via wired or wireless communication, which is not limited in this application.

[0061] The second terminal 130 and the backend server 120 may be connected directly or indirectly via wired or wireless communication, which is not limited in this application.

[0062] Among them, the first terminal 110 is used to send the current express order information corresponding to the target user to the backend server 120; the backend server 120 is used to send the candidate payment mode corresponding to the current express order information to the first terminal; the first terminal 110 is also used to send a first indication message to the backend server 120; wherein, the first indication message is used to indicate the target payment mode selected by the courier from the candidate payment modes; the backend server 120 is also used to push the payment page corresponding to the target payment mode to the second terminal 130 corresponding to the target user, so that the target user can complete the payment for the current express.

[0063] It should be noted that Figure 1 This is only a schematic diagram of a system architecture provided by the embodiment of the present application. The system architecture involved in the embodiment of the present application is not limited to Figure 1 The system architecture shown, for example, in some implementations, Figure 1 On the basis of the system architecture shown, the system architecture involved in the embodiment of the present application may further include: a third terminal corresponding to the courier, which may be connected to the backend server 120 to implement mobile payment.

[0064] Before introducing the embodiments of the present application, it should be noted that the information involved in the embodiments of the present application, including: information interacting between the first terminal and the backend server, information interacting between the second terminal and the backend server, and information interacting between the third terminal and the backend server, are all authorized by the relevant objects or fully authorized by all parties, and the collection, use and processing of relevant information comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0065] The following is a detailed description of the embodiments of the present application:

[0066] Figure 2 An interactive flow chart of a payment processing method provided in an embodiment of the present application, wherein the execution entities involved in the method include: a first terminal, a background server corresponding to an instant messaging client, and a second terminal corresponding to a target user, but not limited thereto, wherein the first terminal is set at the destination corresponding to the current express delivery; the background server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. Figure 2 As shown, the method may include:

[0067] S210: The first terminal sends the current express order information corresponding to the target user to the backend server;

[0068] In some implementations, the first terminal may be a biometric recognition device, but is not limited thereto, and may be, for example, a palm print recognition device, a face recognition device, a fingerprint recognition device, etc.

[0069] In some possible implementations, in addition to being used to implement the payment processing function provided in the embodiments of the present application, the first terminal can also implement other functions, such as having an access control function. For example, the first terminal can be a palm-swipe access control device.

[0070] It should be understood that the target user refers to the recipient of the current express delivery, wherein the current express delivery order information refers to the order information of the current express delivery.

[0071] In some implementations, the current express order information includes at least one of the following, but is not limited to: the sender of the current express, the shipping address, the sender's contact information, the recipient, the recipient's address, the recipient's contact information, and the name of the current express.

[0072] In some possible implementations, the first terminal can obtain a barcode image of the current express delivery; perform image processing on the barcode image to obtain multiple bar blocks; based on the barcode encoding rules, decode the width of each bar block to obtain the corresponding number or character; based on the order information rules, determine the current express delivery order information from the numbers or characters corresponding to the multiple bar blocks.

[0073] In some implementations, a camera may be installed on the first terminal, and the barcode of the current express delivery may be photographed by the camera to obtain a barcode image of the current express delivery.

[0074] In some implementations, the first terminal can use an external camera to capture the barcode of the current express delivery to obtain the barcode image of the current express delivery. The external camera can be an independent camera or a camera on a device other than the first terminal, and this embodiment of the application does not limit this.

[0075] In some implementations, in the embodiments of the present application, the camera may be a three-dimensional (3D) camera or a traditional camera.

[0076] It should be understood that a 3D camera may include a depth camera and an infrared camera, but is not limited thereto. A depth camera is a camera that can obtain depth information about an object. It obtains the object's three-dimensional coordinates by measuring the distance, or depth, between the object and the camera, thereby obtaining the object's three-dimensional shape and size information. An infrared camera is a special camera that can capture infrared spectrum images that are invisible to the human eye. The infrared spectrum refers to electromagnetic waves with wavelengths between 700 nanometers and 1 millimeter, located between visible light and microwaves. Infrared cameras use special lenses and photosensitive elements to capture these electromagnetic waves emitted or reflected by objects, thereby forming images that are invisible to the naked eye.

[0077] It should be understood that the traditional camera refers to a camera other than a 3D camera, and therefore, is also called a non-3D camera.

[0078] In some possible implementations, the first terminal performs image processing on the barcode image to obtain multiple bar blocks, including: the first terminal preprocesses the barcode image, performs region recognition on the preprocessed barcode image to identify the region containing the barcode, and then divides the region based on the characteristics of the bar blocks to obtain multiple bar blocks.

[0079] In other possible implementations, the first terminal performs image processing on the barcode image to obtain multiple bar blocks, including: the first terminal performs region recognition on the barcode image to identify the region containing the barcode, and then divides the region based on the characteristics of the bar blocks to obtain multiple bar blocks.

[0080] It should be understood that the embodiments of the present application do not limit the image processing method for barcode images.

[0081] In some implementations, the first terminal pre-processes the barcode image, including at least one of the following, but not limited to: gray-scaling, binarization, and denoising the barcode image.

[0082] It should be understood that image grayscale processing is a process of converting a color image into a black and white image.

[0083] It should be understood that image binarization is a process of converting an image into a binary image, that is, converting the grayscale value of each pixel from the original 256 levels of 0 to 255 to two levels of 0 or 255, usually expressed as black and white.

[0084] It should be understood that image denoising is a process of removing noise from an image to improve the clarity and quality of the image.

[0085] In some implementations, the first terminal performs region recognition on the preprocessed barcode image, including: the first terminal uses any of the following algorithms on the preprocessed barcode image to identify the area containing the barcode, but is not limited to: threshold processing algorithm, edge detection algorithm, morphological operation, and region growing algorithm.

[0086] It should be understood that thresholding is a simple and commonly used image segmentation method that divides image pixels into two or more categories by setting a threshold. This method is suitable for situations where there is a significant difference in brightness or color between the background and the target object.

[0087] It should be understood that an edge is a boundary between an object and the background or between different objects in an image. Edge detection algorithms can identify and locate these boundaries. Commonly used edge detection operators include, but are not limited to, the Sobel operator, Canny, Prewitt, and Roberts.

[0088] It should be understood that morphological operations are methods of analyzing and processing images using shape and structural information. In image region recognition, morphological operations can be used to remove noise, connect broken boundaries, fill holes, and more.

[0089] It should be understood that region growing is a segmentation method based on pixel similarity, which achieves region segmentation by selecting one or more seed points and then assigning the pixels around them to the same region.

[0090] It should be understood that the region recognition method for the barcode image is similar to the region recognition method for the pre-processed barcode image, and the embodiment of the present application will not elaborate on the region recognition method for the barcode image.

[0091] In some implementations, the first terminal divides the area containing the barcode based on the characteristics of the bar blocks, including: the first terminal divides the area containing the barcode based on the width characteristic of each bar block and the interval characteristic of any two adjacent bar blocks.

[0092] For example, assuming that the length of the barcode is 20 mm, the bar blocks in the barcode are evenly distributed, the width of each bar block is 1 mm, and the interval between two adjacent bar blocks is 1 mm, then the first terminal may divide the barcode into 10 bar blocks.

[0093] In some implementations, each bar width corresponds to a unique number or character. For example, assuming a bar width of 1 mm corresponds to the number 1, then continuing with the above example, if the barcode area of ​​the first terminal is divided into 10 1 mm wide bars, then the digital code corresponding to these bars is 1111111111.

[0094] In some implementations, the order information rule may specify which numbers or characters, among the numbers or characters corresponding to the multiple bar blocks, constitute the current express order information. For example, suppose the order information rule specifies that the last five numbers or characters, among the numbers or characters corresponding to the multiple bar blocks, constitute the current express order information. Continuing with the above example, assuming the digital code corresponding to the ten bar blocks is 1111111111, according to the order information rule, the current express order information can be determined to be 11111.

[0095] S220: The backend server sends a candidate payment mode corresponding to the current express order information to the first terminal;

[0096] In some implementations, the backend server may send the current express order information to the first terminal at the same time as sending the candidate payment mode corresponding to the current express order information to the first terminal.

[0097] In some implementations, the candidate payment modes include at least one of the following, but are not limited to: a deduction mode and a transfer mode.

[0098] It should be understood that, in order to improve payment security, the embodiments of the present application propose that the second terminal can pre-bind the current express order information with the first terminal. That is, the second terminal pre-establishes a first association between the first terminal's identifier and the current express order information, and sends this first association to the backend server. Based on this, the backend server can send a candidate payment mode to the first terminal if it determines that there is a first association between the first terminal's identifier and the current express order information.

[0099] For example, after the target user completes an order on a shopping application (Application, APP) / mini program or completes an order through a third-party express APP / mini program, the background server corresponding to the shopping APP / mini program or the third-party express APP / mini program generates the current express order information and triggers the second terminal corresponding to the target user to jump from the shopping APP / mini program or the third-party express APP / mini program to the first terminal management page of the instant messaging client. The page can be a mini program page or an APP page, so that the second terminal establishes a first association relationship between the identifier of the first terminal and the current express order information on the page, and sends the first association relationship to the background server corresponding to the instant messaging client.

[0100] In some implementations, the identifier of the first terminal may be the SN of the first terminal, but is not limited thereto.

[0101] In some possible implementations, the relationship between the identifier of the first terminal and the current express order information may be a one-to-one relationship, that is, the current express order information can only be paid for by the first terminal.

[0102] In some possible implementations, the current express order information is valid for one payment. In other words, the backend server only allows one payment for the current express order information, thereby avoiding order fraud.

[0103] It should be noted that the first association relationship can also be established by other devices, such as the first terminal, and sent to the background server. The embodiment of the present application does not limit which device establishes and sends the first association relationship, as long as the background server can obtain the first association relationship.

[0104] It should be understood that the background server sends the candidate payment mode to the first terminal only when it determines that there is a first association relationship between the identifier of the first terminal and the current express order information, so that the payment of the current express can only be completed through the first terminal when the current express order information is bound to the first terminal, thereby improving security.

[0105] It should be understood that since the second terminal is pre-bound to the first terminal and the current express order information, after the background server receives the current express order information through the first terminal, payment can be made directly, thereby improving the efficiency of cash on delivery.

[0106] S230: The first terminal receives a selection operation for a target payment mode among the candidate payment modes;

[0107] It should be understood that the target payment mode is the payment mode selected by the courier from the candidate payment modes. For example, if the courier selects the purchasing mode, the target payment mode is the purchasing mode; if the courier selects the transfer mode, the target payment mode is the transfer mode.

[0108] Figure 3 This is a schematic diagram of an interface provided in an embodiment of the present application, such as Figure 3 As shown, the current express order information and candidate payment modes can be displayed on the interface of the first terminal, and the courier can select a payment mode from the candidate payment modes as the target payment mode.

[0109] In some implementations, the selection operation may be any of the following operations, but is not limited thereto: a click operation, a touch operation, a slide operation, and the like.

[0110] Of course, the first terminal may also have a voice recognition function, which can receive the courier's voice instruction to select a target payment mode from the candidate payment modes.

[0111] It should be understood that the embodiments of the present application do not limit the method of selecting the target payment mode.

[0112] S240: The first terminal generates first indication information in response to the selection operation;

[0113] The first indication information is used to indicate the target payment mode selected by the courier from the candidate payment modes.

[0114] S250: The first terminal sends first instruction information to the backend server;

[0115] S260: The backend server pushes a payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery.

[0116] It should be understood that, in order to improve payment security, the embodiments of the present application propose that the first terminal can bind the first terminal to the user account information of the target user on the instant messaging client, that is, the first terminal establishes a second association relationship between the first terminal's identifier and the user account information of the target user on the instant messaging client, and sends the second association relationship to the backend server. Based on this, the backend server can, upon determining the specific second association relationship between the first terminal's identifier and the user account information of the target user on the instant messaging client, push the payment page corresponding to the target payment mode to the second terminal, so that the target user can complete the payment for the current express delivery.

[0117] In some implementations, there may be a one-to-one relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client. That is, only one user account information can be bound to one first terminal to implement payment.

[0118] In some implementations, there may be a one-to-many relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client. That is, only multiple user account information can be bound to one first terminal to implement payment.

[0119] It should be understood that the embodiment of the present application does not limit the relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client.

[0120] It should be noted that the second association relationship can also be established by other devices, such as a second terminal, and sent to the background server. The embodiment of the present application does not limit which device establishes and sends the second association relationship, as long as the background server can obtain the second association relationship.

[0121] It should be understood that the background server can push the payment page corresponding to the target payment mode to the second terminal only when it determines the specific second association relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client, so that the target user can complete the payment for the current express delivery. This allows the payment page corresponding to the target payment mode to be pushed to the second terminal only when the first terminal is bound to the user account information of the target user on the instant messaging client, thereby improving security.

[0122] It should be understood that in order to improve payment security, the second terminal needs to authorize the first terminal to allow the first terminal to initiate payment operations for related orders.

[0123] In some possible implementations, before receiving the second association relationship sent by the first terminal, the backend server corresponding to the instant messaging client may receive a first terminal management page display request sent by the second terminal; send a first terminal management page display response to the second terminal, so that the second terminal displays the first terminal management page based on the first terminal management page display response; receive an authorization request sent by the second terminal; wherein the authorization request is generated based on the authorization operation of the target user on the first terminal management page; and send an authorization response to the second terminal; wherein the authorization response is used to indicate that the second terminal is allowed to initiate a payment operation for the related order through the first terminal.

[0124] For example, the first terminal has a unique QR code, and the second terminal can scan the QR code of the first terminal through the instant messaging client on it. After the scanning is successful, a first terminal management page display request will be generated. The first terminal management page display request is used to request the display of the first terminal management page. The request can carry the Uniform Resource Locator (URL) of the first terminal, wherein the URL is obtained based on the QR code of the first terminal. Furthermore, the backend server sends a first terminal management page display response to the second terminal. The response can carry the data of the first terminal management page, so that the second terminal can display the first terminal management page based on the first terminal management page display response. The first terminal management page may include: a prompt whether authorization is allowed, Figure 4 Another interface diagram provided in the embodiment of the present application is as follows: Figure 4 As shown, when the target user selects "Yes", it means that the first terminal is allowed to initiate the payment operation of the relevant order. Based on this selection operation, the second terminal can generate the above-mentioned authorization request, and then the backend server can send a prompt of successful authorization to the second terminal, that is, an authorization response, for example, Figure 5 Another interface diagram provided in the embodiment of the present application is as follows: Figure 5 As shown, the second terminal can display a prompt indicating that the authorization is successful on the interface, thereby completing the authorization process of the second terminal to the first terminal.

[0125] In some implementations, if the target payment mode is the direct debit mode, the backend server corresponding to the instant messaging client pushes a direct debit payment page to the second terminal, so that the target user completes the payment for the current express delivery.

[0126] In some possible implementations, if the target payment mode is a direct deduction mode, the target user can complete the payment of the current express delivery by deducting the amount from the bank account or the wallet, etc.

[0127] In some possible implementations, if the target payment mode is a transfer mode, the backend server needs to obtain the courier's account information on the instant messaging client and push a transfer payment page to the second terminal so that the target user can complete the payment for the current express delivery; wherein, the transfer payment page includes: courier account information.

[0128] In the embodiment of the present application, the backend server may obtain the courier account information of the courier on the instant messaging client through any of the following feasible methods, but not limited to:

[0129] A first implementation method is that the background server sends a second indication message to the first terminal; wherein the second indication message is used to instruct the first terminal to collect the courier's biometric image; the first terminal collects the courier's biometric image in response to the second indication message; the first terminal sends the courier's biometric image to the background server for the first time; the background server pushes a registration QR code to the first terminal; the third terminal corresponding to the courier sends a registration request to the background server by scanning the registration QR code; wherein the registration request includes: the courier's account information; the background server extracts features from the courier's biometric image received for the first time, obtains the courier's biometric features, and generates a third association relationship between the courier's biometric features and the courier's account information; the first terminal collects the courier's biometric image again; and sends the courier's biometric image to the background server again; the background server extracts features from the courier's biometric image received again, obtains the courier's biometric features, and determines the courier's account information based on the courier's biometric features and the third association relationship.

[0130] In some implementations, the first terminal may collect the courier's biometric image through its camera to form a streaming media. The first terminal selects the best biometric image from the streaming media and sends the best biometric image to the backend server.

[0131] For example, assuming that the courier's biometric feature is the courier's palm print, the first terminal can collect the courier's palm image through the camera on it to form a streaming media. The first terminal selects the optimal palm image in the streaming media based on at least one indicator of palm size, palm angle, image contrast, image brightness and image clarity, and sends the optimal palm image to the background server.

[0132] It should be understood that the registration QR code is used to bind the first terminal to the courier account information. In fact, when the target user uses the first terminal for the first time, he or she also needs to scan the registration QR code to bind the first terminal to the target user's user account information.

[0133] It should be understood that after the courier completes registration, the background server can perform feature extraction on the courier's biometric image received for the first time, obtain the courier's biometric features, and generate a third association relationship between the courier's biometric features and the courier's account information. Based on this, when the background server obtains the courier's biometric features again, it can determine the courier's account information in combination with the third association relationship, and then push the transfer payment page containing the courier's account information to the second terminal.

[0134] In some implementations, the backend server may use any of the following feature extraction algorithms to extract features from the courier's biometric image, but not limited to: edge detection algorithm, corner detection algorithm, feature point detection algorithm, region segmentation algorithm, texture analysis algorithm.

[0135] It should be understood that the explanation of the edge detection algorithm can be referred to above, and the embodiments of the present application will not be repeated here.

[0136] It should be understood that corner points are points in a local area of ​​an image where the brightness changes dramatically, and the corner detection algorithm can find these points in the image.

[0137] It should be understood that feature points are points with obvious characteristics in an image, such as Scale-Invariant Feature Transform (SIFT), Speeded Up Robust Features (SURF), and Oriented FAST and Rotated BRIEF (ORB). Feature point detection algorithms can detect key points in an image and extract their feature descriptors.

[0138] It should be understood that the region segmentation algorithm is a method of dividing an image into multiple regions, such as threshold segmentation, region growing, clustering, etc.

[0139] It should be understood that texture is an inherent characteristic of the surface of an object in an image. Texture analysis algorithms can describe and classify texture in an image.

[0140] A second implementation method is that the background server can send a third indication message to the first terminal; wherein the third indication message is used to instruct the first terminal to collect the courier's biometric image; the first terminal collects the courier's biometric image in response to the third indication message; the first terminal sends the courier's biometric image to the background server; the background server extracts features from the courier's biometric image to obtain the courier's biometrics, and determines the courier's identity information based on the fourth association between the courier's biometrics and the courier's identity information and the courier's biometrics; the background server determines the courier's account information based on the fifth association between the courier's identity information and the courier's account information and the courier's identity information.

[0141] It should be understood that the method and examples of the first terminal collecting the biometric image can be referred to above, and the embodiments of the present application will not be described in detail.

[0142] In some implementations, a fourth association between the courier's biometrics and the courier's identity information may be pre-stored in the database. Based on this, the backend server may search the database for the courier's identity information based on the courier's biometrics.

[0143] In some implementations, the courier's identity information includes at least one of the following, but is not limited to: the courier's name, contact information, home address, ID number, etc.

[0144] A third implementation method is that the background server may send a third indication message to the first terminal; wherein the third indication message is used to instruct the first terminal to collect the courier's biometric image; the first terminal collects the courier's biometric image in response to the third indication message; the first terminal sends the courier's biometric image to the background server; the background server extracts features from the courier's biometric image to obtain the courier's biometric features, and determines the courier's identity information based on the fourth association relationship between the courier's biometric features and the courier's identity information and the courier's biometric features; the background server parses the courier's identity information to obtain the courier's account information.

[0145] It should be understood that the difference between the third implementation method and the second implementation method is that in the third implementation method, the courier's identity information includes the courier's account information, while in the second implementation method, the courier's identity information does not include the courier's account information, but the two are associated.

[0146] In some implementations, after the target user completes payment for the current express delivery, the backend server may push the current express delivery order information and payment status to the first terminal and / or the second terminal so that the courier and the target user can be informed of the payment result.

[0147] For example, Figure 6 Another interface diagram provided in the embodiment of the present application is as follows: Figure 6 As shown, the interface on the first terminal and / or the second terminal can display the current express order information, such as 11111, and display "Payment completed".

[0148] In an embodiment of the present application, cash on delivery is achieved by setting up a first terminal at the destination corresponding to the current express delivery. Since the first terminal is located at the destination corresponding to the current express delivery, not only can cash on delivery be achieved, but also misdelivery will not occur, thereby improving the user experience.

[0149] Figure 7 A schematic diagram of a payment processing device 700 provided in an embodiment of the present application is shown as follows: Figure 7 As shown, the payment processing device 700 includes: a communication module 710, used to: receive current express order information corresponding to the target user sent by the first terminal; wherein the first terminal is set at the destination corresponding to the current express; send the candidate payment mode corresponding to the current express order information to the first terminal; receive the first indication information sent by the first terminal; wherein the first indication information is used to indicate the target payment mode selected by the courier from the candidate payment modes; push the payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user can complete the payment for the current express.

[0150] In some implementations, the communication module 710 is specifically configured to: upon determining that there is a first association relationship between the identifier of the first terminal and the current express order information, send the candidate payment mode to the first terminal.

[0151] In some implementations, the communication module 710 is further used to: when the communication module 710 determines that there is a first association relationship between the identifier of the first terminal and the current express order information, before sending the candidate payment mode to the first terminal, receive the first association relationship sent by the second terminal.

[0152] In some possible implementations, the communication module 710 is specifically used to: upon determining a specific second association relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client, push the payment page corresponding to the target payment mode to the second terminal, so that the target user can complete the payment for the current express delivery.

[0153] In some possible implementations, the communication module 710 is also used to: when the communication module 710 determines a specific second association relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client, push the payment page corresponding to the target payment mode to the second terminal, so that the target user receives the second association relationship sent by the first terminal before completing the payment for the current express delivery.

[0154] In some implementations, the communication module 710 is further used to: receive a first terminal management page display request sent by the second terminal before the communication module 710 receives the second association relationship sent by the first terminal; send a first terminal management page display response to the second terminal, so that the second terminal displays the first terminal management page based on the first terminal management page display response; receive an authorization request sent by the second terminal; wherein the authorization request is generated based on the authorization operation of the target user on the first terminal management page; send an authorization response to the second terminal; wherein the authorization response is used to indicate that the second terminal is allowed to initiate a payment operation for the related order through the first terminal.

[0155] In some implementations, the communication module 710 is specifically configured to: if the target payment mode is the direct debit mode, push the direct debit payment page to the second terminal so that the target user can complete the payment for the current express delivery.

[0156] In some possible implementations, the payment processing device 700 also includes: a processing module 720, which is used to: before the communication module 710 pushes the payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express, if the target payment mode is a transfer mode, obtain the courier account information of the courier on the instant messaging client; accordingly, the communication module 710 is specifically used to: push the transfer payment page to the second terminal, so that the target user completes the payment for the current express; wherein, the transfer payment page includes: courier account information.

[0157] In some possible implementations, the communication module 710 is also used to: send a second indication message to the first terminal; wherein the second indication message is used to instruct the first terminal to collect the courier's biometric image; receive the courier's biometric image sent for the first time by the first terminal; push a registration QR code to the first terminal; receive a registration request sent by a third terminal corresponding to the courier by scanning the registration QR code; wherein the registration request includes: courier account information; the processing module 720 is used to extract features from the courier's biometric image received for the first time, obtain the courier's biometric features, and generate a third association relationship between the courier's biometric features and the courier's account information; the communication module 710 is also used to receive the courier's biometric image sent again by the first terminal; the processing module 720 is also used to: extract features from the courier's biometric image received again, obtain the courier's biometric features, and determine the courier's account information based on the courier's biometric features and the third association relationship.

[0158] In some possible implementations, the communication module 710 is further used to send a third indication message to the first terminal; wherein the third indication message is used to instruct the first terminal to collect the courier's biometric image; receive the courier's biometric image sent by the first terminal; the processing module 720 is used to: perform feature extraction on the courier's biometric image to obtain the courier's biometric features, and determine the courier's identity information based on the fourth association relationship between the courier's biometric features and the courier's identity information and the courier's biometric features; determine the courier's account information based on the fifth association relationship between the courier's identity information and the courier's account information and the courier's identity information.

[0159] It should be understood that the device embodiment and the method embodiment may correspond to each other, and similar descriptions may refer to the method embodiment. To avoid repetition, they will not be described here. Specifically, Figure 7 The payment processing device 700 shown can execute the method embodiment corresponding to the above-mentioned background server side, and the aforementioned and other operations and / or functions of each module in the payment processing device 700 are respectively for implementing the corresponding processes in each method in the method embodiment corresponding to the above-mentioned background server side. For the sake of brevity, they will not be repeated here.

[0160] The payment processing device 700 of the embodiment of the present application is described above from the perspective of functional modules in conjunction with the accompanying drawings. It should be understood that the functional module can be implemented in the form of hardware, can be implemented by instructions in the form of software, or can be implemented by a combination of hardware and software modules. Specifically, the steps of the method embodiment in the embodiment of the present application can be completed by the hardware integrated logic circuit and / or software instructions in the processor, and the steps of the method disclosed in the embodiment of the present application can be directly reflected as being executed by a hardware decoding processor, or can be executed by a combination of hardware and software modules in the decoding processor. Optionally, the software module can be located in a mature storage medium in the art such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, registers, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps in the above method embodiment in combination with its hardware.

[0161] Figure 8A schematic diagram of a payment processing device 800 provided in an embodiment of the present application, wherein the payment processing device 800 is set at the destination corresponding to the current express delivery; the payment processing device 800 includes: a communication module 810 and a processing module 820. The communication module 810 is used to send the current express delivery order information corresponding to the target user to the backend server corresponding to the instant messaging client; the communication module 810 is also used to receive candidate payment modes corresponding to the current express delivery order information sent by the backend server; the communication module 810 is also used to receive a selection operation for a target payment mode among the candidate payment modes; the processing module 820 is used to generate first indication information in response to the selection operation; wherein the first indication information is used to indicate the target payment mode selected by the courier among the candidate payment modes; the communication module 810 is also used to send the first indication information to the backend server, so that the backend server pushes the payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery.

[0162] In some implementations, the communication module 810 is further configured to send a second association between the identifier of the payment processing apparatus and the user account information of the target user on the instant messaging client to the backend server.

[0163] In some implementations, the communication module 810 is further used to receive a second indication message sent by the background server; the processing module 820 is further used to collect the courier's biometric image in response to the second indication message; the communication module 810 is further used to: send the courier's biometric image to the background server for the first time; receive the registration QR code sent by the background server; so that the third terminal corresponding to the courier sends a registration request to the background server by scanning the registration QR code; wherein the registration request includes: courier account information; so that the background server extracts features from the courier's biometric image received for the first time, obtains the courier's biometric features, and generates a third association relationship between the courier's biometric features and the courier account information of the courier on the instant messaging client; the processing module 820 is further used to collect the courier's biometric image again; the communication module 810 is further used to send the courier's biometric image to the background server again; so that the background server extracts features from the courier's biometric image received again, obtains the courier's biometric features, and determines the courier account information based on the courier's biometric features and the third association relationship.

[0164] In some possible implementations, the communication module 810 is further used to receive a third indication message sent by the background server; the processing module 820 is further used to collect the courier's biometric image in response to the third indication message; the communication module 810 is further used to send the courier's biometric image to the background server; so that the background server performs feature extraction on the courier's biometric image to obtain the courier's biometric features, and determines the courier's identity information based on the fourth association between the courier's biometric features and the courier's identity information and the courier's biometric features; and determines the courier's account information based on the fifth association between the courier's identity information and the courier's account information and the courier's identity information.

[0165] In some possible implementations, before the communication module 810 sends the current express order information corresponding to the target user to the background server corresponding to the instant messaging client, the communication module 810 is also used to obtain the barcode image of the current express; the processing module 820 is also used to: perform image processing on the barcode image to obtain multiple bar blocks; based on the barcode encoding rules, decode the width of each bar block to obtain the corresponding number or character; based on the order information rules, determine the current express order information among the numbers or characters corresponding to the multiple bar blocks.

[0166] It should be understood that the device embodiment and the method embodiment may correspond to each other, and similar descriptions may refer to the method embodiment. To avoid repetition, they will not be described here. Specifically, Figure 8 The payment processing device 800 shown can execute the method embodiment corresponding to the above-mentioned first terminal side, and the aforementioned and other operations and / or functions of each module in the payment processing device 800 are respectively for implementing the corresponding processes in each method in the method embodiment corresponding to the above-mentioned first terminal side. For the sake of brevity, they will not be repeated here.

[0167] The payment processing device 800 of the embodiment of the present application is described above from the perspective of functional modules in conjunction with the accompanying drawings. It should be understood that the functional module can be implemented in the form of hardware, can be implemented by instructions in the form of software, or can be implemented by a combination of hardware and software modules. Specifically, the various steps of the method embodiment in the embodiment of the present application can be completed by the hardware integrated logic circuit and / or software instructions in the processor, and the steps of the method disclosed in the embodiment of the present application can be directly reflected as being executed by a hardware decoding processor, or can be executed by a combination of hardware and software modules in the decoding processor. Optionally, the software module can be located in a mature storage medium in the art such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, registers, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps in the above method embodiment in combination with its hardware.

[0168] Figure 9 It is a schematic block diagram of the terminal device 900 provided in an embodiment of the present application.

[0169] like Figure 9 As shown, the terminal device 900 may include, but is not limited to: a radio frequency unit 901, a network unit 902, an audio circuit 903, a sensor 904, a display unit 905, an input unit 906, a user input unit 907, a power supply 908, a memory 909 and a processor 910, etc.

[0170] The RF unit 901 is used to receive data from other devices and send data to other devices. The RF unit 901 may include, but is not limited to, an antenna, an amplifier, a tuner, an oscillator, a transceiver, a coupler, a duplexer, a low noise amplifier (LNA), etc.

[0171] The network unit 902 may be a network unit that uses any one or more wireless communication methods. The terminal device 900 can help users send and receive emails, browse web pages, and access streaming media through the network unit 902, providing users with wireless broadband Internet access.

[0172] The audio circuit 903 is the audio interface between the user and the terminal device 900. The audio circuit 903 can convert the received audio data into an electrical signal and transmit it to the speaker, which converts it into a sound signal for output. On the other hand, the microphone converts the collected sound signal into an electrical signal, which is received by the audio circuit 903 and converted into audio data. The audio data is then output to the processor 910 for processing and sent to other devices through the RF unit 901.

[0173] The sensor 904 may include at least one of the following, but is not limited thereto: a light sensor, a distance sensor, a gravity sensor, an acceleration sensor, a magnetic field sensor, a temperature sensor, a fingerprint sensor, a gyroscope, and the like.

[0174] Among them, the light sensor is used to sense the intensity of ambient light and adjust the screen brightness to extend battery life. The distance sensor is used to sense the distance of objects through infrared LED lights and infrared detectors. The gravity sensor is used to use the piezoelectric effect to switch between landscape and portrait screen orientations. The acceleration sensor is used to use the piezoelectric effect to determine the direction of acceleration through three dimensions, which can be used to count steps and determine the orientation of the terminal. The magnetic field sensor is used to measure the strength of the magnetic field and is mostly used in compasses and map navigation. The temperature sensor is used to detect temperature changes of the terminal itself, such as thermal imaging tests. The fingerprint sensor is used for fingerprint recognition. The gyroscope is used to measure angular velocity and is often used to provide a more realistic user experience, accurate navigation systems, and adjustment and detection of VR perspectives.

[0175] The display unit 905 may include a display panel 9051 , wherein the display panel 9051 may be configured in the form of a liquid crystal display, an organic light emitting diode, or the like.

[0176] The input unit 906 may include a microphone 9061 and a graphics processing unit 9062 , wherein the graphics processing unit 9062 processes image data collected by an image collection device such as a camera.

[0177] The user input unit 907 includes at least one of a touch panel 9071 and other input devices 9072. The touch panel 9071 is also called a touch screen or a touch-sensitive surface. The touch panel 9071 may include two parts: a touch detection device and a touch controller. The touch detection device detects the touch position of the user and detects the signal generated based on the touch operation, and sends the signal to the touch controller. The touch controller converts the received signal into the coordinates of the touch point and sends the coordinates to the processor 910 so that the processor 910 processes it. Other input devices 9072 may include but are not limited to a physical keyboard, function keys (such as volume control buttons, switch buttons, etc.), a trackball, a mouse, and a joystick, which will not be repeated here.

[0178] The power supply 908 can be logically connected to the processor 910 through a power management system, so that functions such as charging, discharging, and power consumption management can be implemented through the power management system.

[0179] Memory 909 includes, but is not limited to, volatile memory and / or non-volatile memory. Non-volatile memory may be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. Volatile memory may be random access memory (RAM), which serves as an external cache. By way of example and not limitation, many forms of RAM are available, such as static random access memory (SRAM), dynamic random access memory (DRAM), synchronous dynamic random access memory (SDRAM), double data rate synchronous dynamic random access memory (DDR SDRAM), enhanced synchronous dynamic random access memory (ESDRAM), synchronous link DRAM (SLDRAM), and direct RAM bus random access memory (DR RAM).

[0180] The processor 520 may include, but is not limited to, a general-purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like.

[0181] It should be noted that Figure 9 The terminal structure shown in the figure does not constitute a limitation on the terminal. The terminal may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently, which will not be repeated here.

[0182] It should be understood that the various components in the terminal device are connected via a bus system, wherein the bus system includes not only a data bus but also a power bus, a control bus and a status signal bus.

[0183] It should be understood that the terminal device can execute the method embodiment corresponding to the above-mentioned first terminal, and its content and effects are not described in detail here.

[0184] Figure 10 It is a schematic block diagram of the background server 1000 provided in an embodiment of the present application.

[0185] Reference Figure 10 The backend server 1000 includes a processor 1010 , a memory 1020 , a network interface 1030 , an input / output interface 1040 , and a power supply component 1050 .

[0186] The processor 1010 may include but is not limited to: a general-purpose processor, a DSP, an ASIC, an FPGA or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.

[0187] Memory 1020 includes, but is not limited to, volatile memory and / or nonvolatile memory. Nonvolatile memory may include ROM, PROM, EPROM, electrically erasable programmable read-only memory (EEPROM), or flash memory. Volatile memory may include RAM, which serves as an external cache. By way of example and not limitation, many forms of RAM are available, such as SRAM, DRAM, SDRAM, DDR SDRAM, ESDRAM, SLDRAM, and DR RAM.

[0188] The memory 1020 is used to store instructions, such as applications, that can be executed by the processor 1010. The application stored in the memory 1032 may include one or more modules, each of which corresponds to a set of instructions.

[0189] The backend server 1000 may be configured with a wired or wireless network interface 1030 to enable the backend server 1000 to connect to a network.

[0190] The backend server 1000 may be configured with one or more input and output interfaces 1040 for connecting to other input devices, such as a keyboard, a mouse, and the like.

[0191] The power supply component 1050 can be logically connected to the processor 1010 through a power management system, so that the power management system can manage charging, discharging, power consumption and other functions.

[0192] It should be understood that the various components in the background server are connected via a bus system, wherein the bus system includes not only a data bus but also a power bus, a control bus and a status signal bus.

[0193] It should be understood that the background server can execute the method embodiment corresponding to the above background server, and its content and effect will not be described in detail here.

[0194] The present application also provides a computer storage medium having a computer program stored thereon, which, when executed by a computer, enables the computer to perform the method of the above-mentioned method embodiment. In other words, the present application also provides a computer program product containing instructions, which, when executed by a computer, enables the computer to perform the method of the above-mentioned method embodiment.

[0195] When software is used for implementation, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function according to the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from one website, computer, backend server or data center to another website, computer, backend server or data center via a wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) method. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a backend server or data center that includes one or more available media. The available medium can be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a digital video disc (DVD)), or a semiconductor medium (e.g., a solid state drive (SSD)).

[0196] Those skilled in the art will appreciate that the modules and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0197] In the several embodiments provided in this application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are merely schematic. For example, the division of the modules is merely a logical function division. In actual implementation, there may be other division methods, such as multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or modules, which can be electrical, mechanical or other forms.

[0198] Modules described as separate components may or may not be physically separate, and components displayed as modules may or may not be physical modules, i.e., they may be located in one place or distributed across multiple network elements. Some or all of the modules may be selected based on actual needs to achieve the purpose of the present embodiment. For example, the functional modules in the various embodiments of the present application may be integrated into a processing module, or each module may exist physically separately, or two or more modules may be integrated into a single module.

[0199] The above content is merely a specific embodiment of the present application, but the scope of protection of the present application is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in the present application should be included in the scope of protection of the present application. Therefore, the scope of protection of the present application should be based on the scope of protection of the claims.

Claims

1. A payment processing method, characterized in that: The method is applied to a backend server corresponding to an instant messaging client, and the method includes: Receiving current express order information corresponding to a target user sent by a first terminal; wherein the first terminal is set at a destination corresponding to the current express; Sending a candidate payment mode corresponding to the current express order information to the first terminal; Receiving first indication information sent by the first terminal; wherein the first indication information is used to indicate a target payment mode selected by the courier from the candidate payment modes; Push a payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery.

2. The method according to claim 1, characterized in that The sending the candidate payment mode to the first terminal includes: In a case where it is determined that there is a first association relationship between the identifier of the first terminal and the current express order information, the candidate payment mode is sent to the first terminal.

3. The method according to claim 2, characterized in that In the case where it is determined that there is a first association relationship between the identifier of the first terminal and the current express order information, before sending the candidate payment mode to the first terminal, the method further includes: Receive the first association relationship sent by the second terminal.

4. The method according to any one of claims 1 to 3, characterized in that The pushing a payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery, includes: When a specific second association relationship is determined between the identifier of the first terminal and the user account information of the target user on the instant messaging client, a payment page corresponding to the target payment mode is pushed to the second terminal so that the target user completes payment for the current express delivery.

5. The method according to claim 4, characterized in that Before pushing a payment page corresponding to the target payment mode to the second terminal so that the target user completes payment for the current express delivery after determining the specific second association relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client, the method further includes: Receive the second association relationship sent by the first terminal.

6. The method according to claim 5, characterized in that Before receiving the second association relationship sent by the first terminal, the method further includes: receiving a first terminal management page display request sent by the second terminal; sending a first terminal management page display response to the second terminal, so that the second terminal displays the first terminal management page based on the first terminal management page display response; receiving an authorization request sent by the second terminal; wherein the authorization request is generated based on an authorization operation performed by the target user on a management page of the first terminal; Sending an authorization response to the second terminal; wherein the authorization response is used to indicate that the second terminal is allowed to initiate a payment operation for the related order through the first terminal.

7. The method according to any one of claims 1 to 3, characterized in that The pushing a payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery, includes: If the target payment mode is the direct deduction mode, a direct deduction payment page is pushed to the second terminal so that the target user completes the payment for the current express delivery.

8. The method according to any one of claims 1 to 3, characterized in that Before pushing the payment page corresponding to the target payment mode to the second terminal corresponding to the target user so that the target user completes the payment for the current express delivery, the method further includes: If the target payment mode is a transfer mode, obtaining the courier account information of the courier on the instant messaging client; The pushing a payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery, includes: Pushing a transfer payment page to the second terminal so that the target user can complete the payment for the current express delivery; wherein the transfer payment page includes: the courier account information.

9. The method according to claim 8, characterized in that The obtaining of the courier account information of the courier on the instant messaging client includes: Sending second instruction information to the first terminal; wherein the second instruction information is used to instruct the first terminal to collect the biometric image of the courier; receiving the biometric image of the courier sent for the first time by the first terminal; Pushing a registration QR code to the first terminal; Receiving a registration request sent by a third terminal corresponding to the courier by scanning the registration QR code; wherein the registration request includes: the courier account information; performing feature extraction on the biometric image of the courier received for the first time to obtain the biometric features of the courier, and generating a third association relationship between the biometric features of the courier and the courier account information; receiving the biometric image of the courier sent again by the first terminal; Feature extraction is performed on the biometric image of the courier received again to obtain the biometric features of the courier, and the courier account information is determined based on the biometric features of the courier and the third association relationship.

10. The method according to claim 8, characterized in that The obtaining of the courier account information of the courier on the instant messaging client includes: Sending third instruction information to the first terminal; wherein the third instruction information is used to instruct the first terminal to collect the biometric image of the courier; receiving a biometric image of the courier sent by the first terminal; performing feature extraction on the biometric image of the courier to obtain the biometric features of the courier, and determining the identity information of the courier based on the fourth association between the biometric features of the courier and the identity information of the courier and the biometric features of the courier; The courier account information is determined based on the fifth association relationship between the courier's identity information and the courier's account information and the courier's identity information.

11. A payment processing method, characterized in that: The method is applied to a first terminal, wherein the first terminal is set to a destination corresponding to a current express delivery; the method includes: Send the current express order information corresponding to the target user to the backend server corresponding to the instant messaging client; Receive the candidate payment mode corresponding to the current express order information sent by the backend server; receiving a selection operation for a target payment mode from among the candidate payment modes; In response to the selection operation, generating first indication information; wherein the first indication information is used to indicate the target payment mode selected by the courier from the candidate payment modes; The first indication information is sent to the backend server so that the backend server pushes the payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery.

12. The method according to claim 11, characterized in that Also includes: A second association relationship between the identifier of the first terminal and the user account information of the target user on the instant messaging client is sent to the backend server.

13. The method according to claim 11 or 12, characterized in that Also includes: Receiving second indication information sent by the backend server; In response to the second instruction information, collecting a biometric image of the courier; Sending the courier's biometric image to the backend server for the first time; Receive the registration QR code sent by the backend server; The third terminal corresponding to the courier scans the registration QR code to send a registration request to the backend server; wherein the registration request includes the courier's account information; the backend server extracts features from the first received biometric image of the courier to obtain the courier's biometric features, and generates a third association between the courier's biometric features and the courier's account information on the instant messaging client; The courier's biometric image is collected again; and the courier's biometric image is sent to the backend server again; so that the backend server extracts features from the courier's biometric image received again to obtain the courier's biometric features, and determines the courier's account information based on the courier's biometric features and the third association relationship.

14. The method according to claim 11 or 12, characterized in that Also includes: Receiving third indication information sent by the backend server; In response to the third instruction information, collecting a biometric image of the courier; Sending the courier's biometric image to the backend server; so that the backend server extracts features from the courier's biometric image to obtain the courier's biometric features, and determines the courier's identity information based on a fourth association between the courier's biometric features and the courier's identity information and the courier's biometric features; and determining the courier's account information based on a fifth association between the courier's identity information and the courier's account information and the courier's identity information.

15. The method according to claim 11 or 12, characterized in that Before sending the current express order information corresponding to the target user to the backend server corresponding to the instant messaging client, the method further includes: Obtain the barcode image of the current express delivery; Performing image processing on the barcode image to obtain a plurality of bar blocks; Based on the barcode encoding rules, the width of each bar block is decoded to obtain a corresponding number or character; Based on the order information rule, the current express order information is determined from the numbers or characters corresponding to the multiple bar blocks.

16. A payment processing device, characterized in that: include: Communication modules for: Receiving current express order information corresponding to a target user sent by a first terminal; wherein the first terminal is set at a destination corresponding to the current express; Sending a candidate payment mode corresponding to the current express order information to the first terminal; Receiving first indication information sent by the first terminal; wherein the first indication information is used to indicate a target payment mode selected by the courier from the candidate payment modes; Push a payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery.

17. A payment processing device, characterized in that: in, The payment processing device is set at the destination corresponding to the current express delivery; the payment processing device includes: a communication module and a processing module; The communication module is used to send the current express order information corresponding to the target user to the background server corresponding to the instant messaging client; The communication module is also used to receive the candidate payment mode corresponding to the current express order information sent by the backend server; The communication module is further configured to receive a selection operation for a target payment mode among the candidate payment modes; The processing module is used to generate first indication information in response to the selection operation; wherein the first indication information is used to indicate the target payment mode selected by the courier from the candidate payment modes; The communication module is also used to send the first indication information to the background server, so that the background server pushes the payment page corresponding to the target payment mode to the second terminal corresponding to the target user, so that the target user completes the payment for the current express delivery.

18. An electronic device, characterized in that: include: A processor and a memory, the memory being used to store a computer program, and the processor being used to call and run the computer program stored in the memory to execute the method according to any one of claims 1 to 15.

19. A computer-readable storage medium, characterized in that Used to store a computer program, wherein the computer program causes a computer to execute the method according to any one of claims 1 to 15.

20. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the method according to any one of claims 1 to 15 is implemented.

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