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

Abstract

The invention provides an electronic payment processing method, device and equipment, a readable storage medium and a computer program product. The method comprises the steps that biological characteristics are collected, and the biological characteristics are used for payment authentication of electronic payment; and outputting prompt information in response to association between the biological feature and a first account number and association between the collection terminal and a target service in the instant messaging application, the first account number being an account number logging in the instant messaging application, and the prompt information being information related to the target service.

Description

Technical Field

[0001] The present application relates to Internet technology, and in particular to a method, apparatus, device, readable storage medium, and computer program product for processing electronic payments. Background Art

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

[0003] For example, when a user swipes their palm at a payment terminal, the terminal verifies the user's identity based on the palm print obtained. Once the verification is successful, electronic payment is processed at the terminal. However, these terminals are only used for electronic payments, resulting in weak user engagement. Summary of the Invention

[0004] The embodiments of the present application provide a method, device, electronic device, computer-readable storage medium, and computer program product for processing electronic payments, which can link a payment terminal with an instant messaging application to improve user stickiness.

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

[0006] The present invention provides an electronic payment processing method, which is applied to a payment terminal. The method includes:

[0007] Collecting biometrics, where the biometrics are used for payment authentication for electronic payments;

[0008] In response to the biometric feature being associated with a first account and the payment terminal being associated with a target service in an instant messaging application, a prompt message is output, wherein the first account is an account for logging into the instant messaging application, and the prompt message is information related to the target service.

[0009] In the above technical solution, the biometrics collection includes:

[0010] Collecting streaming media data through a camera, wherein the streaming media data includes a plurality of biometric images;

[0011] Based on comprehensive factors, a target biometric image is screened from the streaming media data, and the biometric feature is extracted from the target biometric image, wherein the comprehensive factors include at least one of the following: a size of the biometric feature in the biometric image, an angle of the biometric feature in the biometric image, a contrast of the biometric image, a brightness of the biometric image, and a clarity of the biometric image.

[0012] In the above technical solution, after collecting the biometrics, the method further includes:

[0013] In response to the biometric feature passing the payment authentication, payment information is output, wherein the payment information is information related to the electronic payment.

[0014] In the above technical solution, the target service is a message reminder service, and in response to the biometric feature being associated with the first account and the payment terminal being associated with the target service in the instant messaging application, outputting the reminder information includes:

[0015] In response to the biometric being associated with the first account, the payment terminal being associated with the message reminder service, and the reminder conditions set by the message reminder service being met, the prompt information set by the message reminder service is obtained from the user terminal running the instant messaging application, and the prompt information is output, wherein the reminder conditions include at least one of the following: the time when the prompt information is output, and the location of the payment terminal when the prompt information is output.

[0016] In the above technical solution, the target service is a check-in service, and in response to the biometric feature being associated with the first account and the payment terminal being associated with the target service in the instant messaging application, outputting prompt information includes:

[0017] In response to the biometric feature being associated with the first account, the payment terminal being associated with the check-in service, and the chain list corresponding to the check-in service including the first account, the prompt information indicating that the first account has successfully checked in is output.

[0018] The present invention provides an electronic payment processing method, which is applied to a user terminal running an instant messaging application. The method includes:

[0019] An application interface of the instant messaging application is displayed, wherein the instant messaging application is logged in with a first account, and a target service in the instant messaging application is associated with a payment terminal, wherein the association is used for the payment terminal to perform the following processing:

[0020] In response to the association between the biometric feature collected by the payment terminal and the first account, prompt information is output, wherein the prompt information is information related to the target service.

[0021] An embodiment of the present application provides an electronic payment processing device, which is applied to a payment terminal. The device includes:

[0022] A collection module, configured to collect biometric features, wherein the biometric features are used for payment authentication for electronic payment;

[0023] An output module is used to output prompt information in response to the biometric feature being associated with a first account and the payment terminal being associated with a target service in an instant messaging application, wherein the first account is an account for logging into the instant messaging application, and the prompt information is information related to the target service.

[0024] In the above technical solution, before outputting the prompt information, the output module is also used to associate the payment terminal with the target service in the instant messaging application in response to receiving the association information sent by the user terminal, wherein the user terminal is a terminal running the instant messaging application, and the association information is generated by the user terminal in response to the association operation, and the association operation is used to associate the payment terminal with the target service.

[0025] In the above technical solution, before outputting the prompt information, the output module is also used to determine that the payment terminal is associated with the target service in the instant messaging application in response to the configuration file including the target service, wherein the configuration file includes at least one service in the instant messaging application, and the target service is any of the services in the instant messaging application.

[0026] In the above technical solution, the configuration file includes the association relationship between different types of biometrics and different services; the output module is also used to query the configuration file based on the type of the collected biometrics; when the service associated with the type of the biometric is queried, the service associated with the type of the biometric is determined as the target service, and the payment terminal is determined to be associated with the target service in the instant messaging application.

[0027] In the above technical solution, before outputting the prompt information, the output module is also used to receive a data stream sent by the instant messaging application in response to the payment terminal being associated with the instant messaging application, wherein the data stream includes at least one piece of data; and determine the service corresponding to the data in the data stream that meets the filtering conditions as the target service.

[0028] In the above technical solution, the screening conditions include at least one of the following: the target data is the most recent data among the at least one data; the target data is unread data; the target data is data that the first account pays attention to; the target data is data whose relevance to the first account is greater than a relevance threshold; the target data is data whose popularity is greater than a popularity threshold; the target data is the data that is most relevant to the payment scenario among the at least one data.

[0029] In the above technical solution, the popularity is positively correlated with the following parameters: the positive emotion type expressed by the positive feedback on the target data, and the number of positive feedback on the target data.

[0030] In the above technical solution, when there are multiple prompt messages, the output module is further used to output the multiple prompt messages in sequence, wherein the sequence includes one of the following: the order of the timestamps carried by the multiple prompt messages from early to late; the order of the first account's attention to the multiple prompt messages from high to low; the order of the relevance of the multiple prompt messages to the first account from high to low; the order of the popularity of the multiple prompt messages from high to low; the order of the similarity of the multiple prompt messages to the payment scenarios from high to low.

[0031] In the above technical solution, before outputting the prompt information, the output module is also used to determine multiple candidate information; in response to any of the candidate information meeting the output conditions, any of the candidate information is determined as the prompt information, wherein the output conditions include at least one of the following: any of the candidate information is the candidate information with the latest time among the multiple candidate information; any of the candidate information is unread data; any of the candidate information is information that the first account pays attention to; any of the candidate information is candidate information whose relevance to the first account is greater than the relevance threshold; any of the candidate information is candidate information whose popularity is greater than the popularity threshold; any of the candidate information is candidate information that is most relevant to the payment scenario among the multiple candidate information.

[0032] In the above technical solution, before outputting the prompt information, the output module is further used to display the types corresponding to multiple candidate information respectively; in response to the selection operation for the type, the candidate information corresponding to the selected type is determined as the prompt information.

[0033] In the above technical solution, the biometric feature is one of the following features: iris feature, palm print feature, facial feature, fingerprint feature; after outputting the prompt information, the output module is also used to stop outputting the prompt information in response to the biometric feature not being collected or the new biometric feature collected being not associated with the first account.

[0034] In the above technical solution, the output module is also used to output reminder information in response to the prompt information involving privacy information, wherein the reminder information is used to prompt whether to confirm the output of the prompt information; in response to the confirmation operation on the reminder information, the prompt information is output.

[0035] In the above technical solution, before outputting the prompt information, the output module is also used to determine the similarity between the biometric feature and multiple authorized biometric features; in response to the maximum similarity being greater than the similarity threshold, the account bound to the authorized biometric feature corresponding to the maximum similarity is determined as the first account.

[0036] In the above technical solution, the acquisition module is also used to collect streaming data through a camera, wherein the streaming data includes multiple biometric images; based on comprehensive factors, the target biometric image is screened out from the streaming data, and the biometric feature is extracted from the target biometric image, wherein the comprehensive factors include at least one of the following: the size of the biometric feature in the biometric image, the angle of the biometric feature in the biometric image, the contrast of the biometric image, the brightness of the biometric image, and the clarity of the biometric image.

[0037] In the above technical solution, after the biometric features are collected, the output module is further used to output payment information in response to the biometric features passing the payment authentication, wherein the payment information is information related to the electronic payment.

[0038] In the above technical solution, the target service is a message reminder service, and the output module is also used to obtain the prompt information set by the message reminder service from the user terminal running the instant messaging application in response to the biometric feature being associated with the first account, the payment terminal being associated with the message reminder service, and the reminder conditions set by the message reminder service being met, and output the prompt information, wherein the reminder conditions include at least one of the following: the time when the prompt information is output, and the location of the payment terminal when the prompt information is output.

[0039] In the above technical solution, the target service is a sign-in service, and the output module is also used to output the prompt information that the first account has successfully signed in in response to the biometric being associated with the first account, the payment terminal being associated with the sign-in service, and the chain list corresponding to the sign-in service including the first account.

[0040] An embodiment of the present application provides an electronic payment processing device, which is applied to a user terminal running an instant messaging application. The method includes:

[0041] The display module is configured to display an application interface of the instant messaging application, wherein the instant messaging application is logged in with a first account, and a target service in the instant messaging application is associated with a payment terminal, wherein the association is used for the payment terminal to perform the following processing:

[0042] In response to the association between the biometric feature collected by the payment terminal and the first account, prompt information is output, wherein the prompt information is information related to the target service.

[0043] In the above technical solution, the display module is further configured to establish an association relationship between the target service and the payment terminal in response to an association operation between the payment application and the target service, wherein the payment terminal runs the payment application.

[0044] In the above technical solution, after the association relationship between the target service and the payment terminal is established, the display module is also used to display the identifier of the target service in the application management interface in the application interface, wherein the application management interface is used to manage the services associated with the payment terminal in the instant messaging application; in response to the removal operation of the identifier of the target service in the application management interface, the association relationship between the target service and the payment terminal is disconnected.

[0045] An embodiment of the present application provides an electronic device, comprising:

[0046] Memory for storing computer programs or computer-executable instructions;

[0047] The processor is used to implement the electronic payment processing method provided in the embodiment of the present application when executing the computer program or computer executable instructions stored in the memory.

[0048] An embodiment of the present application provides a computer-readable storage medium storing a computer program or computer-executable instructions. When the computer program or computer-executable instructions are executed by a processor, the electronic payment processing method provided in the embodiment of the present application is implemented.

[0049] An embodiment of the present application provides a computer program product, including a computer program or computer-executable instructions, which, when executed by a processor, implements the electronic payment processing method provided in the embodiment of the present application.

[0050] The embodiments of the present application have the following beneficial effects:

[0051] When the collected biometric features are associated with the first account used to log into the instant messaging application, and the payment terminal is associated with the target service in the instant messaging application, information related to the target service is output, and the payment terminal is linked to the instant messaging application, so that the payment terminal integrates some services of the instant messaging application to meet more diverse scenario needs and improve user stickiness. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] Figure 1 This is a schematic diagram of the architecture of the electronic payment processing system provided in an embodiment of the present application;

[0053] Figure 2A This is a first structural diagram of an electronic device provided in an embodiment of the present application;

[0054] Figure 2B is a second structural diagram of an electronic device provided in an embodiment of the present application;

[0055] Figure 3 This is a first flow chart of the electronic payment processing method provided in an embodiment of the present application;

[0056] Figure 4 This is a second flow chart of the electronic payment processing method provided in an embodiment of the present application;

[0057] Figure 5 This is a schematic diagram of a location dimension reminder provided by an embodiment of the present application;

[0058] Figure 6 This is a flowchart of the electronic payment processing method provided in the embodiment of the present application;

[0059] Figure 7 Schematic diagram of a solitaire control provided in an embodiment of the present application;

[0060] Figure 8 Schematic diagram of a palm-swipe payment terminal provided in an embodiment of the present application;

[0061] Figure 9 This is a schematic diagram of a time dimension reminder provided by an embodiment of the present application;

[0062] Figure 10 This is a user interface diagram of the management applet provided in an embodiment of the present application. DETAILED DESCRIPTION

[0063] In order to make the purpose, technical solutions and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings. The described embodiments should not be regarded as limiting this application. All other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0064] In the following description, the terms "first\second" are only used to distinguish similar objects and do not represent a specific order for the objects. It can be understood that "first\second" can be interchanged with a specific order or sequence where permitted, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein.

[0065] In the following description, reference is made to “some embodiments”, which describes a subset of all possible embodiments, but it will be understood that “some embodiments” may be the same subset or different subsets of all possible embodiments and may be combined with each other without conflict.

[0066] 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.

[0067] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by those skilled in the art to which this application pertains. The terms used herein are for the purpose of describing the embodiments of this application only and are not intended to limit this application.

[0068] Before further describing the embodiments of the present application in detail, the nouns and terms involved in the embodiments of the present application are explained. The nouns and terms involved in the embodiments of the present application are subject to the following interpretations.

[0069] 1) In response to: used to indicate the conditions or states on which the executed operations depend. When the dependent conditions or states are met, one or more operations executed can be in real time or with a set delay. Unless otherwise specified, there is no restriction on the order in which the multiple operations executed are executed.

[0070] 2) Client: An application running on a terminal device to provide various services, such as an instant messaging client.

[0071] 3) Instant Messaging Applications: These applications enable instant sending and receiving of internet messages. The functionality of instant messaging applications is growing, gradually integrating email, blogging, music, television, games, and search. Instant messaging is no longer simply a chat tool; it has evolved into a comprehensive information platform integrating communication, information, entertainment, search, e-commerce, office collaboration, and enterprise customer service.

[0072] 4) 3D camera: Compared with traditional cameras, it adds depth cameras, infrared cameras and other hardware and software to ensure information security.

[0073] 5) Serial Number (SN): It is an ID that uniquely identifies a device.

[0074] 6) SQLite: A lightweight database that complies with ACID relational database management system.

[0075] The embodiments of the present application provide a method, apparatus, electronic device, computer-readable storage medium, and computer program product for processing electronic payments, which can link a payment terminal with an instant messaging application to improve user stickiness. The electronic device provided in the embodiments of the present application is described below. The electronic device provided in the embodiments of the present application can be implemented as a terminal device, or can be implemented collaboratively by a server and a terminal device. The following description uses the method for processing electronic payments provided in the embodiments of the present application, implemented collaboratively by a server and a terminal device, as an example.

[0076] See also Figure 1 , Figure 1 This is a schematic diagram of the architecture of the electronic payment processing system 100 provided in an embodiment of the present application. The payment terminal 200-1 and the user terminal 200-2 are connected to the server 100 through the network 300, wherein the network 300 can be a wide area network or a local area network, or a combination of the two, and the server 100 can be the background server of the live broadcast platform.

[0077] In some embodiments, payment terminal 200-1 (running a payment application) collects biometrics, which are used for payment authentication for electronic payments. User terminal 200-2 (running an instant messaging application) sends information related to a target service through server 100, with the instant messaging application logged in with a first account. In response to the biometrics being associated with the first account and the payment terminal being associated with the target service in the instant messaging application, payment terminal 200-1 outputs a prompt message related to the target service. In this way, linking the payment terminal with the instant messaging application allows the payment terminal to integrate some of the instant messaging application's services, meeting more diverse scenarios and improving user engagement. Users can also access information from the instant messaging application through the payment terminal.

[0078] In some embodiments, the terminal or server can implement the electronic payment processing method provided by the embodiment of the present application by running various computer executable instructions or computer programs. For example, the computer executable instructions can be microprogram-level commands, machine instructions or software instructions. The computer program can be a native program or software module in the operating system; it can be a local (Native) application (APP, Application), that is, a program that needs to be installed in the operating system to run, such as an instant messaging application; it can also be a small program embedded in any APP, that is, a program that can be run only by downloading it to a browser environment. In short, the above-mentioned computer executable instructions can be instructions in any form, and the above-mentioned computer program can be an application, module or plug-in in any form.

[0079] In some embodiments, server 100 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. Among them, the cloud service can be a live cover processing service for terminals to call.

[0080] In some embodiments, the terminal provided in the embodiments of the present application can be implemented as various types of user terminals such as laptops, tablet computers, desktop computers, set-top boxes, mobile devices (for example, mobile phones, portable music players, personal digital assistants, dedicated messaging devices, portable gaming devices, vehicle-mounted devices), smart phones, smart speakers, smart watches, smart TVs, vehicle-mounted terminals, etc.

[0081] In some embodiments, multiple servers may form a blockchain, with server 100 being a node on the blockchain. Information connections may exist between each node in the blockchain, and information may be transmitted between nodes via the information connections. Data related to the electronic payment processing method provided in embodiments of the present application (e.g., electronic payment processing logic and prompt information) may be stored on the blockchain.

[0082] The structure of the electronic device provided by the embodiment of the present application is described below. Figure 2A , Figure 2A Schematic diagram of the structure of the electronic device 500 provided in the embodiment of the present application. Take the electronic device 500 as an example, which is the payment terminal 200-1. Figure 2A The electronic device 500 shown includes: at least one processor 510, a memory 550, at least one network interface 520 and a user interface 530. The various components in the electronic device 500 are coupled together via a bus system 540. It is understood that the bus system 540 is used to achieve connection and communication between these components. In addition to including a data bus, the bus system 540 also includes a power bus, a control bus and a status signal bus. However, for the sake of clarity, the bus system 540 is not shown in FIG. Figure 2A Various buses are labeled as bus system 540 .

[0083] The processor 510 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., where the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0084] The memory 550 includes a volatile memory or a non-volatile memory, or may include both volatile and non-volatile memories. The non-volatile memory may be a read-only memory (ROM), and the volatile memory may be a random access memory (RAM). The memory 550 described in the embodiments of the present application is intended to include any suitable type of memory. The memory 550 may optionally include one or more storage devices physically remote from the processor 510.

[0085] In some embodiments, the memory 550 can store data to support various operations, examples of which include programs, modules, and data structures, or a subset or superset thereof, as exemplified below.

[0086] Operating system 551, including system programs for processing various basic system services and performing hardware-related tasks, such as the framework layer, core library layer, driver layer, etc., for implementing various basic services and processing hardware-based tasks;

[0087] A network communication module 552 for reaching other electronic devices via one or more (wired or wireless) network interfaces 520 . Exemplary network interfaces 520 include Bluetooth, WiFi, and USB.

[0088] In some embodiments, the electronic payment processing device provided in the embodiments of the present application can be implemented in software. The electronic payment processing device provided in the embodiments of the present application can be provided as various software embodiments, including various forms including applications, software, software modules, scripts or codes.

[0089] Figure 2A An electronic payment processing device 555 stored in a memory 550 is shown, which can be software in the form of programs and plug-ins, and includes a series of modules, including an acquisition module 5551 and an output module 5552. These modules are logical, so they can be arbitrarily combined or further split according to the functions implemented. The functions of each module will be explained below.

[0090] See also Figure 2B , Figure 2B 1 is a structural diagram of an electronic device 600 provided in an embodiment of the present application, and takes the electronic device 600 as a user terminal 200-2 as an example. Figure 2BThe electronic device 600 shown includes: at least one processor 610, a memory 650, at least one network interface 620 and a user interface 630. The various components in the electronic device 600 are coupled together via a bus system 640. The memory 650 includes an operating system 651 and a network communication module 652. It should be noted that Figure 2B The function of the structure in Figure 2A The electronic payment processing device provided in the embodiment of the present application can be implemented in software. Figure 2B A processing device 655 for electronic payment stored in a memory 650 is shown, which may be software in the form of programs and plug-ins, etc., including the following software modules: a display module 6551, which are logical and can therefore be arbitrarily combined or further split according to the functions implemented.

[0091] As mentioned above, the electronic payment processing method provided in the embodiment of the present application can be implemented by various types of electronic devices, such as terminals, servers, or a combination of the two. Therefore, the execution entities of each step will not be repeated below. Figure 3 , Figure 3 This is a flow chart of the electronic payment processing method provided by the embodiment of the present application, combined with Figure 3 The steps shown are explained, Figure 3 The execution subject of the electronic payment processing method shown is a payment terminal.

[0092] In step 101 , biometrics are collected, wherein the biometrics are used for payment authentication for electronic payment.

[0093] The biometric feature is one of the following: iris, palm print, facial, or fingerprint. When the biometric feature is an iris feature, it is used for payment authentication via eye scan; when the biometric feature is a palm print, it is used for payment authentication via palm scan; when the biometric feature is a facial feature, it is used for payment authentication via face scan; and when the biometric feature is a fingerprint, it is used for payment authentication via fingerprint.

[0094] In some embodiments, step 101 can be implemented by: collecting streaming data through a camera, wherein the streaming data includes multiple biometric images; based on comprehensive factors, screening out a target biometric image from the streaming data, and extracting biometric features from the target biometric image, wherein the comprehensive factors include at least one of the following: the size of the biometric features in the biometric image, the angle of the biometric features in the biometric image, the contrast of the biometric image, the brightness of the biometric image, and the clarity of the biometric image.

[0095] Taking palm prints as an example, a user's biometric image (i.e., a palm image) is captured by a payment terminal camera. Since the quality of captured biometric images varies, to accurately capture the biometric features, a target biometric image can be selected from multiple biometric images based on comprehensive factors. For example, using size as a comprehensive factor, the biometric image with the largest palm can be selected from multiple biometric images as the target biometric image. The target biometric image is the optimal biometric image among the multiple biometric images. The biometric features representing the user are then extracted from the target biometric image, allowing for subsequent biometric recognition based on the accurate biometric features to accurately identify the user corresponding to the biometric features.

[0096] In step 102, in response to the biometric feature being associated with the first account and the payment terminal being associated with the target service in the instant messaging application, prompt information is output, wherein the first account is the account for logging into the instant messaging application and the prompt information is information related to the target service.

[0097] The target service represents any functional service in the instant messaging application, which may be a service related to the conversation function (such as a conversation service or a group conversation service) or a service unrelated to the conversation function. The prompt information may also be information related to the first account in the instant messaging application.

[0098] In some embodiments, after step 101 , payment information is output in response to the biometric feature passing payment authentication, wherein the payment information is information related to electronic payment.

[0099] It should be noted that the embodiments of the present application are not limited to the order of outputting payment information and outputting prompt information. For example, the payment terminal can output payment information and prompt information at the same time, or it can output payment information first and then output prompt information, or it can output prompt information first and then output payment information. Of course, it is also possible not to output payment information after outputting prompt information, that is, first determine whether it is necessary to output prompt information. When the biometric feature is associated with the first account and the payment terminal is associated with the target service in the instant messaging application, it is determined that the prompt information needs to be output and the payment information is not output. When the biometric feature is not associated with the first account, or the payment terminal is not associated with all services in the instant messaging application, it is determined that it is not necessary to output prompt information, and then determine whether the biometric feature has passed payment authentication. When the biometric feature has passed payment authentication, it is necessary to output payment information.

[0100] In some embodiments, before outputting the prompt information in step 102, the user may manually bind the payment terminal to the target service in the instant messaging application on the user terminal to associate the payment terminal with the target service in the instant messaging application. Association of the payment terminal with the target service in the instant messaging application is achieved by associating the payment terminal with the target service in the instant messaging application in response to receiving association information sent by the user terminal. The user terminal is a terminal running the instant messaging application, and the association information is generated by the user terminal in response to an association operation. The association operation is used to associate the payment terminal with the target service. Specifically, the association operation is used to establish a connection between the payment terminal and the target service in the instant messaging application.

[0101] Here, different association operations are bound to different services in the instant messaging application. For example, the palm-swiping association operation is bound to the session service in the instant messaging application, and the face-swiping association operation is bound to the subscription service in the instant messaging application.

[0102] In some embodiments, the background program of the instant messaging application or the background program of the payment terminal binds the payment terminal to a target service in the instant messaging application to pre-establish a connection between the payment terminal and the target service in the instant messaging application. To this end, before outputting the prompt message in step 102, in response to the configuration file including the target service, the association between the payment terminal and the target service in the instant messaging application is determined, wherein the configuration file includes at least one service in the instant messaging application, and the target service can be any service in the instant messaging application.

[0103] In some embodiments, the configuration file includes the association relationship between different types of biometrics and different services; in response to the configuration file including the target service, determining the association between the payment terminal and the target service in the instant messaging application can be achieved in the following way: based on the type of the collected biometric, query the configuration file; when the service associated with the type of the biometric is queried, the service associated with the type of the biometric is determined as the target service, and determining the association between the payment terminal and the target service in the instant messaging application.

[0104] For example, different types of biometrics can be associated with different services, such as palm prints associated with conversation services in instant messaging applications, and facial features associated with subscription services in instant messaging applications. Therefore, the association between different types of biometrics and different services can be queried based on the type of biometrics collected. When a service associated with the type of biometric is found, the service associated with the biometric type is identified as the target service, and the payment terminal is automatically associated with the target service in the instant messaging application.

[0105] In some embodiments, before outputting the prompt information in step 102, in response to the payment terminal being associated with the instant messaging application, a data stream sent by the instant messaging application is received, wherein the data stream includes at least one piece of data; and the service corresponding to the data in the data stream that meets the screening conditions is determined as the target service.

[0106] The data in the data stream that meets the screening criteria can be prompt information. The data is a data packet sent by each service of the instant messaging application. When the biometric feature is associated with the first account and the payment terminal is associated with the target service in the instant messaging application, the instant messaging application sends the data stream to the payment terminal, which then identifies the service corresponding to the data in the data stream that meets the screening criteria as the target service.

[0107] Among them, the screening conditions include at least one of the following: the target data is the most recent data in at least one data; the target data is unread data, for example, when there is an unread conversation message (i.e., unread data) in the data stream, the payment terminal outputs the unread conversation message to promptly notify the user; the target data is data that the first account is concerned about, for example, when there is information that the user is concerned about (i.e., data that the first account is concerned about) in the data stream, the payment terminal outputs the information that the user is concerned about to promptly inform the user; the target data is data whose relevance to the first account is greater than a relevance threshold, for example, the data stream includes a first message sent by the first account in the conversation group and a second message sent by other accounts, then the relevance of the first message to the first account is greater than the relevance of the second message to the first account, and the relevance of the first message to the first account is greater than the relevance of the first message to the first account, and the relevance of the first message to the first account is greater than the relevance threshold, then the payment terminal outputs the first message; the target data is data whose popularity is greater than the popularity threshold; the target data is the data that is most relevant to the payment scenario in at least one data.

[0108] Popularity is positively correlated with the following parameters: the type of positive sentiment expressed in the positive feedback on the target data and the number of positive feedback received. For example, positive feedback can be expressed through likes, rewards, and other positive feedback on the target data. The stronger the positive sentiment expressed in the positive feedback, the higher the popularity; the more positive feedback received, the higher the popularity.

[0109] In some embodiments and in which, when the number of prompt information is multiple, the output prompt information in step 102 can be implemented in the following way: output multiple prompt information in order, wherein the order includes one of the following: the order of the timestamps carried by the multiple prompt information from early to late; the order of the first account's attention to the multiple prompt information from high to low; the order of the relevance of the multiple prompt information to the first account from high to low; the order of the popularity of the multiple prompt information from high to low; the order of the similarity of the multiple prompt information to the payment scenario from high to low.

[0110] In some embodiments, the embodiments of the present application can automatically filter out prompt information to output the filtered prompt information. Automatically filtering out prompt information is achieved in the following manner: before outputting the prompt information in step 102, multiple candidate information is determined; in response to any candidate information satisfying the output condition, any candidate information is determined as prompt information, wherein the output condition includes at least one of the following: any candidate information is the candidate information with the latest time among multiple candidate information; any candidate information is unread data; any candidate information is information that the first account pays attention to; any candidate information is candidate information whose relevance to the first account is greater than the relevance threshold; any candidate information is candidate information whose popularity is greater than the popularity threshold; any candidate information is candidate information that is most relevant to the payment scenario among multiple candidate information.

[0111] Among them, any candidate information is unread data. For example, when there is an unread conversation message (i.e., unread data) among multiple candidate information, the payment terminal outputs the unread conversation message to promptly notify the user; any candidate information is information that the first account is concerned about. For example, when there is information that the user is concerned about (i.e., data that the first account is concerned about) among multiple candidate information, the payment terminal outputs the information that the user is concerned about to promptly inform the user; any candidate information is candidate information whose relevance to the first account is greater than the relevance threshold. For example, multiple candidate information includes a first message sent by the first account in the conversation group and a second message sent by other accounts. If the relevance of the first message to the first account is greater than the relevance of the second message to the first account, and the relevance of the first message to the first account is greater than the relevance threshold, the payment terminal outputs the first message.

[0112] In some embodiments, the embodiments of the present application can manually filter out prompt information to output manually filtered prompt information. Manually filtering out prompt information is achieved in the following manner: before outputting the prompt information in step 102, displaying the types corresponding to multiple candidate information respectively; in response to the selection operation for the type, determining the candidate information corresponding to the selected type as prompt information.

[0113] In some embodiments, because the prompt information may involve the user's private information, the prompt information is only output if and only if the user who first triggered biometric feature collection is the same user as the user currently collecting biometric features. A biometric feature is one of the following: iris features, palm print features, facial features, and fingerprint features. Therefore, after outputting the prompt information in step 102, in response to no biometric features being collected or the newly collected biometric features being unassociated with the first account, the prompt information is stopped, thereby preventing the disclosure of the user's private information.

[0114] In some embodiments, outputting the prompt information in step 102 can be achieved by: outputting a reminder message in response to the prompt information involving private information, wherein the reminder message is used to prompt whether to confirm outputting the prompt information; and outputting the prompt information in response to a confirmation operation on the reminder information. In other words, when the prompt information to be output involves private information, the reminder message is output to allow the user to determine whether to output the reminder information, thereby preventing the disclosure of the user's private information.

[0115] In some embodiments, before outputting the prompt information in step 102, the similarity between the biometric and multiple authorized biometrics is determined; in response to the maximum similarity being greater than the similarity threshold, the account bound to the authorized biometric corresponding to the maximum similarity is determined as the first account. By setting the condition that the maximum similarity is greater than the similarity threshold, inaccurate account matching is avoided.

[0116] In some embodiments, the target service is a message reminder service (also known as a message reminder function), and step 102 can be implemented in the following manner: in response to the biometric being associated with the first account, the payment terminal being associated with the message reminder service, and the reminder conditions set by the message reminder service being met, the prompt information set by the message reminder service is obtained from the user terminal running the instant messaging application, and the prompt information is output, wherein the reminder conditions include at least one of the following: the time when the prompt information is output, and the location of the payment terminal when the prompt information is output.

[0117] Among them, the time used to output the prompt information is the time set by the message reminder service, and the prompt information is output when the set time is reached; the location of the payment terminal when outputting the prompt information is the location set by the message reminder service, and the prompt information is output when the user's biometric characteristics are collected at the location of the payment terminal.

[0118] like Figure 5 As shown, a conversation message 501 (such as "Buy soy sauce and chopped green onions") is displayed in the application interface of the instant messaging application. In response to the selection operation of the conversation message 501, a reminder control 502 for the conversation message 501 is displayed in the application interface of the instant messaging application. In response to the triggering operation of the reminder control 502, a reminder location setting interface 503 for the conversation message 501 is displayed. In response to the input operation in the reminder location setting interface 503, a reminder location (i.e., the location of the payment terminal when the reminder information is output) is set for the conversation message 501, such as "XX Supermarket", so that when the user reaches the set reminder location later, the conversation message (i.e., the prompt information) is output to remind the user. For example, when the user arrives at "XX Supermarket" to pay, the prompt information "Buy soy sauce and chopped green onions" is output to remind the user to "buy soy sauce and chopped green onions".

[0119] like Figure 9As shown, a conversation message 901 (e.g., "Let's take a look at it together after you perfect the plan") is displayed in the application interface of the instant messaging application. In response to a selection operation on the conversation message 901, a reminder control 902 for the conversation message 901 is displayed in the application interface of the instant messaging application. In response to a triggering operation on the reminder control 902, a reminder time setting interface 903 for the conversation message 901 is displayed. In response to an input operation in the reminder time setting interface 903, a reminder time (i.e., a time for outputting a reminder message), such as "17:00 today", is set for the conversation message 901. When the set reminder time is subsequently reached, a conversation message (i.e., a reminder message) is output to remind the user. For example, when the user does not carry a user terminal, at "17:00 today", a reminder message "Let's take a look at it together after you perfect the plan" is output through the payment terminal to remind the user that they need to take a look at the perfected plan.

[0120] In some embodiments, the target service is a check-in service (implemented by a message chain function), and step 102 can be implemented in the following manner: in response to the biometric being associated with the first account, the payment terminal being associated with the check-in service, and the chain list corresponding to the check-in service including the first account, a prompt message indicating that the first account has successfully checked in is output.

[0121] For example, after logging into the instant messaging application, the initiator of a message chain activity can create a conversation group and Figure 7 The illustrated chain control 701 generates chain activity information and publishes it to the conversation group 702. This information includes chain rules and account information. Participants in the message chain chat speak within the conversation group and register to participate in offline activities. Each participant performs chain chat operations within the conversation group and, upon completing a chain task, sends the results to the conversation group. The event initiator verifies whether the participants' chain chat results meet the chain rules and performs a pre-screening of the rules to obtain group chain information (including a chain list). After the chain chat is completed, the event initiator provides the conversation group's QR code for recognition by the payment terminal. For example, a 3D camera in the payment terminal captures an infrared image of the QR code and recognizes the infrared image. Upon successful recognition, the payment terminal further connects with the backend of the instant messaging application to bind the payment terminal to the conversation group. Subsequently, when users of the conversation group (corresponding to the first account) perform biometric collection on this payment terminal, they will be notified that they have signed in and participated in the offline activity, eliminating the need to export a chain chat form or other manual registration procedures.

[0122] As mentioned above, the electronic payment processing method provided in the embodiment of the present application can be implemented by various types of electronic devices, such as terminals, servers, or a combination of the two. Therefore, the execution entities of each step will not be repeated below. Figure 4 , Figure 4 This is a flow chart of the electronic payment processing method provided by the embodiment of the present application, combined with Figure 4 The steps shown are explained, Figure 4 The execution subject of the electronic payment processing method shown is a user terminal running an instant messaging application.

[0123] In step 201, the application interface of the instant messaging application is displayed, wherein a first account is logged in to the instant messaging application, and a target service in the instant messaging application is associated with a payment terminal. The association is used for the payment terminal to perform the following processing: in response to the biometric feature collected by the payment terminal being associated with the first account, a prompt message is output, wherein the prompt message is information related to the target service.

[0124] In some embodiments, a user can manually bind a payment terminal to a target service in an instant messaging application on a user terminal to associate the payment terminal with the target service in the instant messaging application. Association of the payment terminal with the target service in the instant messaging application is achieved by establishing an association between the target service and the payment terminal in response to an association operation performed on the payment application and the target service, where the payment terminal runs the payment application. Specifically, the association operation establishes an association between the payment terminal and the target service in the instant messaging application, thereby establishing a connection between the payment terminal and the target service in the instant messaging application.

[0125] Here, different association operations are bound to different services in the instant messaging application. For example, the palm-swiping association operation is bound to the session service in the instant messaging application, and the face-swiping association operation is bound to the subscription service in the instant messaging application.

[0126] In some embodiments, after establishing the association relationship between the target service and the payment terminal, the identifier of the target service is displayed in the application management interface in the application interface (such as the user interface of the Shuazhang management applet), wherein the application management interface is used to manage the services associated with the payment terminal in the instant messaging application; in response to the removal operation of the identifier of the target service in the application management interface, the association relationship between the target service and the payment terminal is disconnected.

[0127] For example, after a user triggers a relevant function in an instant messaging application (i.e., a service associated with a payment terminal) in the instant messaging application, the user can manage it in the application management interface of the instant messaging application and manually remove tasks related to the relevant function, such as message reminders, chain tasks, etc. After the payment terminal completes the task of the relevant function offline, it will synchronize the status of the task back to the backend of the instant messaging application. When the corresponding management applet in the application management interface (such as the Shuazhang management applet) is started, it will be re-pulled to provide the user with the latest trigger status, that is, the status of the task of the relevant function.

[0128] like Figure 10 As shown, the application management interface in the application interface displays the target service identifier 1001 and the target service task status 1002, that is, whether a prompt message is output. If no prompt message is output, the target service task status is unprocessed; if a prompt message is output, the target service task status is processed. The application management interface also displays a remove control 1003 for the target service. In response to a triggering operation on the remove control 1003, the association between the target service and the payment terminal is disconnected.

[0129] The following describes an exemplary application of the embodiments of the present application in a practical application scenario.

[0130] Take the payment application Shuazhang payment application as an example to illustrate:

[0131] The electronic payment processing method provided in the embodiments of this application is based on the offline palm-swipe payment scenario. After the user authorizes the palm-swipe, it can more conveniently extend the related functions of the instant messaging application, such as message reminders in the conversation group (message reminders after palm-swipe), message chain in the conversation group (palm-swipe check-in based on chain messages), etc. The user can configure the user terminal to connect the related functions of the offline palm-swipe payment application with the instant messaging application.

[0132] like Figure 6 As shown, the electronic payment processing method provided in the embodiment of the present application involves the interaction between the user terminal and the palm-swipe payment terminal (i.e., the payment receiving terminal for palm-swipe payment). The user terminal 601 runs an instant messaging application, and the instant messaging application has functional modules such as a conversation group module (for managing conversation groups), a message module (for managing messages of the instant messaging application), and a palm-swipe management module (for managing the association between relevant functions in the instant messaging application and the palm-swipe payment application); the palm-swipe payment terminal 602 runs a palm-swipe payment application, and the palm-swipe payment application has a palm-swipe recognition module (for identifying palm print images collected by the camera in the palm-swipe payment terminal), a QR code recognition module (for identifying QR code images collected by the camera in the palm-swipe payment terminal), and a custom module (for message reminders); the instant messaging application and the palm-swipe payment application are connected through the instant messaging backend 603 (i.e., the backend of the instant messaging application) to open up the relevant functions of the offline palm-swipe payment application and the instant messaging application.

[0133] according to Figure 6 It can be seen that after the user binds the relevant functions of the instant messaging application with the palm-swiping payment application on the user terminal, the relevant functions will be triggered when swiping the palm at the payment terminal offline.

[0134] The following describes the electronic payment processing method provided in the embodiment of the present application in conjunction with the message chain function in the instant messaging application.

[0135] 1. After logging into the instant messaging app, the initiator of the message chain activity can create a conversation group and Figure 7 The chain control 701 shown generates chain activity information and publishes it to the conversation group 702. This information includes chain rules and account information. Participants in the message chain chat speak within the conversation group and register for offline activities. Each participant performs chain chat operations within the conversation group and, upon completing the chain task, posts the results to the conversation group. The event initiator verifies whether the participants' chain results meet the chain rules and performs a preliminary screening of the rules to obtain the group chain information.

[0136] 2. After the chain is completed, the event initiator provides the QR code of the conversation group for Figure 8 The palm-swiping payment terminal 801 shown is used for recognition, such as collecting an infrared image of the QR code through the 3D camera in the palm-swiping payment terminal 801, and recognizing the infrared image. After the palm-swiping payment terminal successfully recognizes the code, the palm-swiping payment terminal will further link with the instant messaging backend to bind the palm-swiping payment terminal to the conversation group. Subsequently, when users of the conversation group swipe their palms on this palm-swiping payment terminal, they will be reminded that they have signed in and participated in offline activities, so there is no need to export chain forms for manual registration.

[0137] It should be noted that since a 3D camera is used, color information is not required for group QR code recognition scenarios, so only infrared images are used for QR code recognition. Specific QR code positioning modes, such as finding the QR code center and finding the QR code positioning pattern, are used to locate the position and orientation of the QR code in the infrared image. The QR code is then decoded using a decoding algorithm, including error correction code decoding and data decompression. The decoded QR code data is then checked for error correction to ensure data accuracy and integrity.

[0138] In the conversation group relay mode, neither the user terminal nor the instant messaging backend needs to be modified. After the QR code recognition module of the swipe payment terminal successfully recognizes the QR code, the QR code recognition module generates an instruction (such as {action: "group_binding", group_id: "XXXXX"} instruction) to control the service, and passes the instruction and the serial number (SN) of the swipe payment terminal to the instant messaging backend, which then binds the instruction and the SN of the swipe payment terminal through the instant messaging backend. During binding, the device management service of the instant messaging backend will be called to associate the SN of the swipe payment terminal with the conversation group ID. Subsequently, for the palm-swiping request of the device of the SN, first check whether the user identified by the palm-swiping request is in the instruction group_id bound to the SN. If the user identified by the palm-swiping request is in the instruction group_id bound to the SN, further obtain the group chain information under the group_id. If the user identified by the palm-swiping request is in the group chain information, determine that the behavior performed by the user identified by the palm-swiping request is a sign-in behavior; otherwise, determine that the behavior performed by the user identified by the palm-swiping request is a default behavior (that is, the original function of the palm-swiping payment terminal, such as palm-swiping payment).

[0139] The following describes the electronic payment processing method provided in the embodiment of the present application in conjunction with the message reminder function in the instant messaging application.

[0140] 1. Users can set message reminders in instant messaging (IM) messages in instant messaging applications, which can be triggered when swiping their palms offline.

[0141] like Figure 9 As shown, Figure 9 This is a schematic diagram of a time dimension reminder provided by an embodiment of the present application. A conversation message 901 is displayed in the application interface of an instant messaging application. In response to a long press operation on conversation message 901, a reminder control 902 for conversation message 901 is displayed in the application interface of the instant messaging application. In response to a trigger operation on reminder control 902, a reminder time setting interface 903 for conversation message 901 is displayed. In response to an input operation in reminder time setting interface 903, a reminder time is set for conversation message 901 so that when the set reminder time is reached, a conversation message is output to remind the user. It should be noted that the message reminder function of the embodiment of the present application is not limited to time dimension reminders. Reminder rules based on geographic location, merchant, industry, etc. can also be set. After formulating different message reminder rules, the message reminder function of the palm payment terminal is triggered after offline palm swiping.

[0142] 2. After the user sets a message reminder, the current status of the message reminder task (such as unprocessed status) will be set in the instant messaging backend for management. In the offline palm swiping scenario, after the user swipes his palm, the instant messaging backend rule matching service will judge and process it. If the set message reminder rules (such as the set reminder time and location) are hit, the user-set reminder information (such as the set reminder time and location) will be sent to the instant messaging backend. Figure 9 The selected session message 901 is sent to the Shuazhang payment terminal. The Shuazhang payment terminal can use the system time management to obtain the current time, set the system time and timer, etc., and use the prompt information set by audio playback (such as MediaPlayer, AudioManager, etc.) and the user interface to display the set prompt information. It can also use the notification management capabilities (such as NotificationManager, etc.) to pop up a message to remind the user.

[0143] It should be noted that since the message reminder function involves user personal information, to further protect user information security, no reminder information is stored on the swipe device during the palm swipe process. A reminder message is displayed when the user swipes their palm and before payment is completed, and a countdown occurs during the display of the reminder message. The reminder message will only appear if and only if the same user's palm is hovering over the camera. In other words, if the message display requires an extended period of time, continuous recognition and comparison are required to confirm that it is the same user. The palm swipe recognition process primarily involves the swipe payment application invoking the 3D camera to capture streaming data from the user's current palm. After acquiring the streaming data, the swipe payment terminal selects high-quality palm images based on a comprehensive evaluation of factors such as palm size, angle, image contrast, image brightness, and clarity. After receiving the high-quality palm images uploaded by the swipe payment terminal and performing feature extraction, the instant messaging backend conducts a full database search to identify the user. The reminder message will only be displayed if and only if the user who first triggered the palm swipe and the user currently being recognized are the same user.

[0144] The following describes the brush palm management applet in the instant messaging application.

[0145] 1. After users trigger relevant functions in the instant messaging application, they can manage them in the instant messaging application's Shua Zhang management applet and manually remove tasks related to the functions, such as message reminders, chain tasks, etc.

[0146] 2. After the swiping payment terminal completes the relevant functional tasks offline, it will synchronize the task status back to the instant messaging backend. When the swiping payment management applet is started, it will re-pull it to provide the user with the latest swiping payment trigger status, that is, the status of the relevant functional tasks.

[0147] In summary, the electronic payment processing method provided in the embodiment of the present application, after the user authorizes by swiping his palm, combined with the user identity obtained by swiping his palm, further connects the offline swiping payment application with the relevant functions of the instant messaging application, supports users with more customized functions based on the instant messaging ecosystem to meet more diverse scenario needs, such as connecting message reminders and conversation group continuations of the instant messaging application, and also supports extensions. Users can customize the content of the instant messaging ecosystem to add it to the custom list of the swiping palm management applet, and add rules to execute the relevant functions of the instant messaging application after swiping their palm.

[0148] So far, the electronic payment processing method provided by the embodiment of the present application has been described in combination with the exemplary application and implementation of the electronic device provided by the embodiment of the present application. The following will continue to describe the processing scheme for electronic payment implemented by the various modules in the electronic payment processing device 555 provided by the embodiment of the present application.

[0149] The collection module 5551 is used to collect biometric features, wherein the biometric features are used for payment authentication for electronic payment; the output module 5552 is used to output prompt information in response to the biometric features being associated with a first account and the payment terminal being associated with a target service in an instant messaging application, wherein the first account is an account for logging into the instant messaging application, and the prompt information is information related to the target service.

[0150] In some embodiments, before outputting the prompt information, the output module 5552 is also used to associate the payment terminal with the target service in the instant messaging application in response to receiving association information sent by the user terminal, wherein the user terminal is a terminal running the instant messaging application, and the association information is generated by the user terminal in response to an association operation, and the association operation is used to associate the payment terminal with the target service.

[0151] In some embodiments, before outputting the prompt information, the output module 5552 is further used to determine that the payment terminal is associated with the target service in the instant messaging application in response to the configuration file including the target service, wherein the configuration file includes at least one service in the instant messaging application, and the target service is any of the services in the instant messaging application.

[0152] In some embodiments, the configuration file includes the association relationship between different types of biometrics and different services; the output module 5552 is also used to query the configuration file based on the type of the collected biometrics; when the service associated with the type of the biometric is queried, the service associated with the type of the biometric is determined as the target service, and the payment terminal is determined to be associated with the target service in the instant messaging application.

[0153] In some embodiments, before outputting the prompt information, the output module 5552 is also used to receive a data stream sent by the instant messaging application in response to the payment terminal being associated with the instant messaging application, wherein the data stream includes at least one piece of data; and determine the service corresponding to the data in the data stream that meets the filtering conditions as the target service.

[0154] In some embodiments, the filtering conditions include at least one of the following: the target data is the most recent data among the at least one data; the target data is unread data; the target data is data that the first account pays attention to; the target data is data whose relevance to the first account is greater than a relevance threshold; the target data is data whose popularity is greater than a popularity threshold; the target data is the data that is most relevant to the payment scenario among the at least one data.

[0155] In some embodiments, the popularity is positively correlated with the following parameters: the type of positive emotion expressed by the positive feedback on the target data, and the number of positive feedback on the target data.

[0156] In some embodiments, when there are multiple prompt messages, the output module 5552 is also used to output the multiple prompt messages in sequence, wherein the sequence includes one of the following: the order of the timestamps carried by the multiple prompt messages from early to late; the order of the first account's attention to the multiple prompt messages from high to low; the order of the relevance of the multiple prompt messages to the first account from high to low; the order of the popularity of the multiple prompt messages from high to low; the order of the similarity of the multiple prompt messages to the payment scenarios from high to low.

[0157] In some embodiments, before outputting the prompt information, the output module 5552 is also used to determine multiple candidate information; in response to any of the candidate information satisfying the output condition, any of the candidate information is determined as the prompt information, wherein the output condition includes at least one of the following: any of the candidate information is the candidate information with the latest time among the multiple candidate information; any of the candidate information is unread data; any of the candidate information is information that the first account pays attention to; any of the candidate information is candidate information whose relevance to the first account is greater than the relevance threshold; any of the candidate information is candidate information whose popularity is greater than the popularity threshold; any of the candidate information is candidate information that is most relevant to the payment scenario among the multiple candidate information.

[0158] In some embodiments, before outputting the prompt information, the output module 5552 is further used to display the types corresponding to multiple candidate information respectively; in response to a selection operation for the type, the candidate information corresponding to the selected type is determined as the prompt information.

[0159] In some embodiments, the biometric feature is one of the following features: iris feature, palm print feature, facial feature, fingerprint feature; after outputting the prompt information, the output module 5552 is also used to stop outputting the prompt information in response to the biometric feature not being collected or the new biometric feature collected being not associated with the first account.

[0160] In some embodiments, the output module 5552 is also used to output reminder information in response to the prompt information involving privacy information, wherein the reminder information is used to prompt whether to confirm the output of the prompt information; and output the prompt information in response to the confirmation operation on the reminder information.

[0161] In some embodiments, before outputting the prompt information, the output module 5552 is also used to determine the similarity between the biometric and multiple authorized biometrics; in response to the maximum similarity being greater than a similarity threshold, the account bound to the authorized biometric corresponding to the maximum similarity is determined as the first account.

[0162] In some embodiments, the acquisition module 5551 is also used to collect streaming data through a camera, wherein the streaming data includes multiple biometric images; based on comprehensive factors, the target biometric image is screened out from the streaming data, and the biometric feature is extracted from the target biometric image, wherein the comprehensive factors include at least one of the following: the size of the biometric feature in the biometric image, the angle of the biometric feature in the biometric image, the contrast of the biometric image, the brightness of the biometric image, and the clarity of the biometric image.

[0163] In some embodiments, after the biometrics are collected, the output module 5552 is further used to output payment information in response to the biometrics passing the payment authentication, wherein the payment information is information related to the electronic payment.

[0164] In some embodiments, the target service is a message reminder service, and the output module 5552 is also used to obtain the prompt information set by the message reminder service from the user terminal running the instant messaging application in response to the biometric being associated with the first account, the payment terminal being associated with the message reminder service, and the reminder conditions set by the message reminder service being met, and output the prompt information, wherein the reminder conditions include at least one of the following: the time when the prompt information is output, and the location of the payment terminal when the prompt information is output.

[0165] In some embodiments, the target service is a check-in service, and the output module 5552 is further used to output the prompt information that the first account has successfully checked in in response to the biometric being associated with the first account, the payment terminal being associated with the check-in service, and the chain list corresponding to the check-in service including the first account.

[0166] So far, the electronic payment processing method provided by the embodiment of the present application has been described in combination with the exemplary application and implementation of the electronic device provided by the embodiment of the present application. The following will continue to describe the processing scheme for implementing electronic payment by cooperating with each module in the electronic payment processing device 655 provided by the embodiment of the present application.

[0167] Display module 6551 is used to display the application interface of the instant messaging application, wherein the instant messaging application is logged in with a first account, and the target service in the instant messaging application is associated with the payment terminal, and the association is used for the payment terminal to perform the following processing: in response to the biometric feature collected by the payment terminal and the association with the first account, output prompt information, wherein the prompt information is information related to the target service.

[0168] In some embodiments, the display module 6551 is further configured to establish an association relationship between the target service and the payment terminal in response to an association operation between the payment application and the target service, wherein the payment terminal runs the payment application.

[0169] In some embodiments, after establishing the association relationship between the target service and the payment terminal, the display module 6551 is also used to display the identifier of the target service in the application management interface in the application interface, wherein the application management interface is used to manage the services associated with the payment terminal in the instant messaging application; in response to the removal operation of the identifier of the target service in the application management interface, the association relationship between the target service and the payment terminal is disconnected.

[0170] The present invention provides a computer program product comprising a computer program or computer-executable instructions stored in a computer-readable storage medium. A processor of an electronic device reads the computer program or computer-executable instructions from the computer-readable storage medium and executes the computer program or computer-executable instructions, causing the electronic device to perform the electronic payment processing method described in the present invention.

[0171] The embodiment of the present application provides a computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions or computer programs are stored. When the computer-executable instructions or computer programs are executed by a processor, the processor will execute the electronic payment processing method provided by the embodiment of the present application, for example, Figure 3 A method for processing electronic payments is shown.

[0172] In some embodiments, the computer-readable storage medium may be a memory such as FRAM, ROM, PROM, EPROM, EEPROM, flash memory, magnetic surface storage, optical disk, or CD-ROM; or various devices including one or any combination of the above memories.

[0173] In some embodiments, computer-executable instructions may be in the form of a program, software, software module, script, or code, written in any form of programming language (including compiled or interpreted languages, or declarative or procedural languages), and may be deployed in any form, including as a stand-alone program or as a module, component, subroutine, or other unit suitable for use in a computing environment.

[0174] As an example, computer-executable instructions may, but need not, correspond to a file in a file system, may be stored as part of a file that stores other programs or data, such as, for example, in one or more scripts in a HyperText Markup Language (HTML) document, in a single file dedicated to the program in question, or in multiple coordinating files (e.g., files storing one or more modules, subroutines, or code portions).

[0175] By way of example, computer-executable instructions may be deployed to be executed on one electronic device, or on multiple electronic devices located at one site, or on multiple electronic devices distributed across multiple sites and interconnected by a communication network.

[0176] It is understandable that in the embodiments of the present application, when user information and other related data are involved, when the embodiments of the present application are applied to specific products or technologies, user permission or consent is required, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0177] The above description is merely an embodiment of the present application and is not intended to limit the scope of protection of the present application. Any modifications, equivalent replacements, and improvements made within the spirit and scope of the present application are included in the scope of protection of the present application.

Claims

1. A method for processing electronic payment, characterized in that: Applied to a payment terminal, the method includes: Collecting biometrics, where the biometrics are used for payment authentication for electronic payments; In response to the biometric feature being associated with a first account and the payment terminal being associated with a target service in an instant messaging application, a prompt message is output, wherein the first account is an account for logging into the instant messaging application, and the prompt message is information related to the target service.

2. The method according to claim 1, characterized in that Before outputting the prompt information, the method further includes: In response to receiving association information sent by a user terminal, the payment terminal is associated with a target service in the instant messaging application, wherein the user terminal is a terminal running the instant messaging application, and the association information is generated by the user terminal in response to an association operation, and the association operation is used to associate the payment terminal with the target service.

3. The method according to claim 1, characterized in that Before outputting the prompt information, the method further includes: In response to the configuration file including the target service, determining that the payment terminal is associated with the target service in the instant messaging application, wherein the configuration file includes at least one service in the instant messaging application, and the target service is any service in the instant messaging application.

4. The method according to claim 3, characterized in that The profile includes associations between different types of biometric features and different services; In response to the configuration file including the target service, determining that the payment terminal is associated with the target service in the instant messaging application includes: querying the configuration file based on the type of the collected biometric feature; When a service associated with the type of the biometric feature is found, the service associated with the type of the biometric feature is determined as the target service, and the payment terminal is determined to be associated with the target service in the instant messaging application.

5. The method according to claim 1 or 3, characterized in that Before outputting the prompt information, the method further includes: In response to the payment terminal being associated with the instant messaging application, receiving a data stream sent by the instant messaging application, wherein the data stream includes at least one piece of data; The service corresponding to the data meeting the screening condition in the data stream is determined as the target service.

6. The method according to claim 5, characterized in that The screening conditions include at least one of the following: The target data is the data with the latest time among the at least one data; The target data is unread data; The target data is the data that the first account is interested in; The target data is data whose relevance to the first account is greater than a relevance threshold; The target data is data whose popularity is greater than a popularity threshold; The target data is the data most relevant to the payment scenario among the at least one data.

7. The method according to claim 6, characterized in that The popularity is positively correlated with the following parameters: the positive emotion type expressed by the positive feedback on the target data, and the number of positive feedback on the target data.

8. The method according to claim 1, characterized in that When there are multiple prompt messages, the output prompt message includes: Output the plurality of prompt information in sequence, wherein the sequence includes one of the following: The order of the timestamps carried by the multiple prompt information from earliest to latest; An order of the first account's attention to the plurality of prompt messages from high to low; an order of relevance of the plurality of prompt information to the first account from high to low; The order of the popularity of the plurality of prompt information from high to low; The order of similarity between the multiple prompt information and the payment scenarios from high to low.

9. The method according to claim 1, characterized in that Before outputting the prompt information, the method further includes: determining multiple candidate information; In response to any of the candidate information meeting an output condition, determining any of the candidate information as the prompt information, wherein the output condition includes at least one of the following: Any of the candidate information is the candidate information with the latest time among the multiple candidate information; Any of the candidate information is unread data; Any of the candidate information is information that the first account is interested in; Any of the candidate information is candidate information whose relevance to the first account is greater than a relevance threshold; Any of the candidate information is candidate information whose popularity is greater than a popularity threshold; Any of the candidate information is the candidate information most relevant to the payment scenario among the multiple candidate information.

10. The method according to claim 1, characterized in that Before outputting the prompt information, the method further includes: Display the types corresponding to multiple candidate information; In response to a selection operation for the type, candidate information corresponding to the selected type is determined as the prompt information.

11. The method according to any one of claims 1 to 10, characterized in that The biometric feature is one of the following features: iris feature, palm print feature, facial feature, fingerprint feature; After outputting the prompt information, the method further includes: In response to the biometric feature not being collected or the newly collected biometric feature being unassociated with the first account, the output of the prompt information is stopped.

12. The method according to any one of claims 1 to 10, characterized in that The output prompt information includes: In response to the prompt information involving private information, outputting a reminder message, wherein the reminder message is used to prompt whether to confirm outputting the prompt information; In response to a determination operation on the reminder information, the reminder information is output.

13. The method according to any one of claims 1 to 10, characterized in that Before outputting the prompt information, the method further includes: determining a similarity between the biometric characteristic and a plurality of authorized biometric characteristics; In response to the maximum similarity being greater than a similarity threshold, the account corresponding to the maximum similarity and bound to the authorized biometric feature is determined as the first account.

14. A method for processing electronic payment, characterized in that: Applied to a user terminal running an instant messaging application, the method includes: An application interface of the instant messaging application is displayed, wherein the instant messaging application is logged in with a first account, and a target service in the instant messaging application is associated with a payment terminal, wherein the association is used for the payment terminal to perform the following processing: In response to the association between the biometric feature collected by the payment terminal and the first account, prompt information is output, wherein the prompt information is information related to the target service.

15. The method according to claim 14, characterized in that The method further comprises: In response to the association operation for the payment application and the target service, an association relationship is established between the target service and the payment terminal, wherein the payment terminal runs the payment application.

16. The method according to claim 15, characterized in that After establishing the association relationship between the target service and the payment terminal, the method further includes: Displaying the identifier of the target service in an application management interface in the application interface, wherein the application management interface is used to manage services associated with the payment terminal in the instant messaging application; In response to a removal operation of the identifier of the target service in the application management interface, the association relationship between the target service and the payment terminal is disconnected.

17. An electronic payment processing device, characterized in that: Applied to a payment terminal, the device comprises: A collection module, configured to collect biometric features, wherein the biometric features are used for payment authentication for electronic payment; An output module is used to output prompt information in response to the biometric feature being associated with a first account and the payment terminal being associated with a target service in an instant messaging application, wherein the first account is an account for logging into the instant messaging application, and the prompt information is information related to the target service.

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

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

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

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