Electronic payment method and device, equipment and storage medium

Abstract

The invention relates to an electronic payment method and device, computer equipment, a storage medium and a computer program product. The method comprises the following steps: displaying promotion information of a target application; in response to an interaction operation for the promotion information, transmitting an installation file of the target application to a terminal device; the target object of the terminal equipment is an object for paying a target order; after the terminal device completes installation of the target application based on the installation file, outputting prompt information for prompting payment of the target order; in response to payment operation, outputting a payment result of the target order; the payment amount of the target order comprises the payment amount of the target object and the reward amount obtained after the target application is installed. By adopting the method, the electronic payment service can be expanded.

Description

Technical Field

[0001] This application relates to the field of artificial intelligence technology, and in particular to an electronic payment method, apparatus, device, and storage medium. Background Technology

[0002] With the rapid development of digitalization and mobile internet, electronic payment has become widely used and an important method of modern transactions. However, existing electronic payment methods usually only meet basic payment functions and cannot provide users with diversified services. Summary of the Invention

[0003] Therefore, it is necessary to provide an electronic payment method, apparatus, device, and storage medium that can expand the functions of electronic payment in order to address the above-mentioned technical problems.

[0004] In a first aspect, this application provides an electronic payment method, the method comprising:

[0005] Display promotional information for the target application;

[0006] In response to an interactive operation on the promotional information, the installation file of the target application is transmitted to the terminal device; the target object of the terminal device is the object that pays the target order.

[0007] After the terminal device completes the installation of the target application based on the installation file, it outputs a prompt message to encourage payment for the target order;

[0008] In response to the payment operation, the payment result of the target order is output; the payment amount of the target order includes the payment amount of the target object and the reward amount obtained after installing the target application.

[0009] Secondly, this application also provides an electronic payment device, the device comprising:

[0010] The promotional information display module is used to display promotional information for the target application;

[0011] The file sending module is used to transmit the installation file of the target application to the terminal device in response to the interactive operation of the promotion information; the target object of the terminal device is the object that pays the target order.

[0012] The prompt message output module is used to output a prompt message to prompt payment for the target order after the terminal device completes the installation of the target application based on the installation file;

[0013] The payment result display module is used to respond to the payment operation and output the payment result of the target order; the payment amount of the target order includes the payment amount of the target object and the reward amount obtained after installing the target application.

[0014] In one embodiment, the prompt information output module is further configured to: output connection prompt information;

[0015] The device further includes a communication connection establishment module, used to establish a communication connection with the terminal device and output connection status prompt information when the terminal device activates the near-field communication function in response to the connection prompt information;

[0016] The file sending module is also used for:

[0017] The installation file of the target application is transmitted to the terminal device via the communication connection.

[0018] In one embodiment, the file sending module is further configured to:

[0019] After receiving the public key sent by the terminal device, the installation file of the target application is encrypted based on the public key to obtain the encrypted installation file; the terminal device stores the private key corresponding to the public key;

[0020] The encrypted installation file is transmitted to the terminal device, so that the terminal device can decrypt the encrypted installation file based on the private key to obtain the installation file.

[0021] In one embodiment, the file sending module is further configured to:

[0022] Send an installation status query request to the terminal device;

[0023] Receive the response result from the terminal device in response to the installation status query request;

[0024] When the response result indicates that the target application is not installed on the terminal device, the step of transferring the installation file of the target application to the terminal device is executed;

[0025] When the response result indicates that the target application has been installed on the terminal device, a prompt message is output indicating that the terminal device does not meet the activity rules of the target application.

[0026] In one embodiment, the promotional information display module is further configured to:

[0027] Retrieve promotional information for at least two applications to be promoted from the storage;

[0028] When a display event for the target application in the application to be promoted is triggered, the promotional information of the target application is displayed; the display event includes a carousel switching event and a manual switching event.

[0029] In one embodiment, the promotional information display module is further configured to:

[0030] The server receives configuration information for the promotional activities of the application to be promoted; the configuration information includes promotional information and installation files; the configuration information is sent by the server after it has approved the activity request initiated by the activity initiator.

[0031] The promotional information and the installation files are stored.

[0032] In one embodiment, the promotional information display module is further configured to:

[0033] In response to a payment operation, the system obtains the identity verification information of the target object, as well as the device identifier of the payment device and the channel identifier of the installation file; the channel identifier is used to characterize the promotion channel of the target application.

[0034] The reward amount is determined based on the device identifier, the channel identifier, and the configuration information;

[0035] When identity verification is completed based on the identity verification information, the order payment is made based on the order amount of the target order and the reward amount, and the payment result of the target order is obtained;

[0036] Display the payment result, or play the payment result by voice.

[0037] In one embodiment, the payment operation includes a biometric payment operation; the identity verification information includes any one of the following body part images: a palm image, a face image, a finger image, or an eye image; the device further includes an image acquisition module, used for:

[0038] In response to a palm-swipe payment operation, the payment device acquires a sequence of body part images.

[0039] Preliminary image screening is performed on the body part image sequence to obtain candidate body part images;

[0040] Determine the body part orientation and body part size of each candidate body part image;

[0041] Based on the orientation and size of the body part, a body part image for authentication is selected from the body part images.

[0042] In one embodiment, the number of target applications is at least two; the promotional information display module is further used for:

[0043] Display promotional information for the i-th target application;

[0044] In response to the information addition operation, the i-th target application is added to the activity list; i is a positive integer greater than or equal to 1;

[0045] In response to the information switching operation, i = i + 1 is assigned, and the step of displaying the promotion information of the i-th target application is returned until an interactive operation on the promotion information is detected, at which point the above loop process stops.

[0046] The file sending module is also used for:

[0047] In response to a confirmation operation for the activity list, the installation file for each target application in the activity list is transmitted to the terminal device.

[0048] In one embodiment, the information addition operation includes a first gesture operation; the information switching operation includes a second gesture operation; the image acquisition module is further configured to:

[0049] Get the gesture image;

[0050] Based on the gesture image, gesture recognition is performed to obtain the recognized gesture;

[0051] When the recognized gesture matches the first preset gesture, it is determined that the first gesture operation has been triggered;

[0052] When the recognized gesture matches the second preset gesture, it is determined that the second gesture operation has been triggered.

[0053] In one embodiment, the prompt information output module is further configured to:

[0054] During the process of transferring the installation file of the target application to the terminal device, the transfer progress of the installation file is displayed;

[0055] During the installation of the target application on the terminal device based on the installation file, the installation progress of the target application is displayed.

[0056] Thirdly, this application also provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps of the above-described method.

[0057] Fourthly, this application also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the above-described method.

[0058] Fifthly, this application also provides a computer program product, including a computer program that, when executed by a processor, implements the steps of the above-described method.

[0059] The aforementioned electronic payment methods, devices, computer equipment, storage media, and computer program products, by displaying promotional information of a target application to a target audience, allow the target audience to interact with this information. In response to the interactive operation related to the promotional information, the installation file of the target application is transmitted to the terminal device, where the target audience of the terminal device is the one paying the target order. After the terminal device completes the installation of the target application based on the installation file, it outputs a prompt message to pay the target order. In response to the payment operation, it outputs the payment result of the target order, whereby the payment amount includes the target audience's payment amount and the reward amount obtained after installing the target application. Through this method, the target application can be promoted to the target audience during electronic payment, and the installation file of the target application can be quickly provided to the target audience, enabling convenient installation and reducing payment costs. Therefore, this payment method not only achieves payment functionality but also promotes and facilitates application installation, bringing benefits to the target audience. Attached Figure Description

[0060] Figure 1 This is a diagram illustrating the application environment of an electronic payment method in one embodiment;

[0061] Figure 2 This is a flowchart illustrating an electronic payment method in one embodiment;

[0062] Figure 3 This is a schematic diagram of a payment scenario in one embodiment;

[0063] Figure 4 This is a schematic diagram of a palm-swipe payment device in one embodiment;

[0064] Figure 5 This is a schematic diagram of a palm-swipe payment device in another embodiment;

[0065] Figure 6 This is a schematic diagram of a payment system in one embodiment;

[0066] Figure 7 This is a timing diagram of the promotion configuration process in one embodiment;

[0067] Figure 8 This is a timing diagram of an electronic payment method in one embodiment;

[0068] Figure 9 This is a structural block diagram of an electronic payment device in one embodiment;

[0069] Figure 10 This is a structural block diagram of an electronic payment device in another embodiment;

[0070] Figure 11 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0071] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0072] The electronic payment method provided in this application embodiment can be applied to, for example... Figure 1 In the application environment shown, payment device 102 communicates with server 104 via a network, and the target terminal device 106 can communicate with the payment device briefly via the network as needed. A data storage system can store the data that server 104 needs to process. The data storage system can be integrated on server 104 or placed in the cloud or on other servers. The above electronic payment method is executed by payment device 102, or by payment device 102, server 104, and terminal device 106 in a coordinated manner. In some embodiments, the electronic payment method is executed by payment device 102, which displays promotional information for the target application; in response to interactive operations on the promotional information, it transmits the installation file of the target application to the terminal device; the target object of the terminal device is the object paying the target order; after the terminal device completes the installation of the target application based on the installation file, it outputs a prompt message to prompt payment for the target order; in response to the payment operation, it outputs the payment result of the target order; the payment amount of the target order includes the payment amount for the target object and the reward amount obtained after installing the target application.

[0073] Payment device 102 can be, but is not limited to, various desktop computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices can include smart speakers, smart TVs, smart air conditioners, smart in-vehicle devices, and payment terminals. Portable wearable devices can include smartwatches, smart bracelets, and head-mounted devices. Payment terminals can specifically include QR code payment terminals, biometric payment terminals, and NFC payment terminals. Biometric payment terminals can specifically include fingerprint recognition payment terminals, iris recognition payment terminals, facial recognition payment terminals, and palm recognition payment terminals. Terminal device 106 can be, but is not limited to, various desktop computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices can include smart speakers, smart TVs, smart air conditioners, and smart in-vehicle devices. Portable wearable devices can include smartwatches, smart bracelets, and head-mounted devices.

[0074] Server 104 can be a standalone physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. Terminals and servers can be connected directly or indirectly via wired or wireless communication; this application does not impose any restrictions on this.

[0075] In one embodiment, such as Figure 2 As shown, an electronic payment method is provided, which is applied to... Figure 1 Taking payment device 102 as an example, the following steps are included:

[0076] S202 displays promotional information for the target application.

[0077] The target application is an application that is currently being promoted. Specifically, it can be different types of applications, such as shopping applications, financial applications, social applications, game applications, lifestyle service applications, and educational applications.

[0078] Promotional information for a target application refers to information used to attract and encourage potential users to download or use the application. Specifically, it can be promotional images or posters carrying various elements. For example, when the promotional information is a poster, it can include the following elements: application name and logo, application functions and features, incentive information, etc. The application name and logo help users identify the target application, the application functions and features help users quickly understand the value of the target application, and incentive information such as coupons, limited-time discounts, and reward programs are designed to encourage users to install and use the application.

[0079] In one embodiment, after completing the relevant promotional configuration for the target application, the payment device can directly obtain the promotional information of the target application and display the promotional information of the target application; wherein, the promotional configuration specifically includes setting parameters related to promotion, such as display time, display frequency, etc.

[0080] Display time refers to the specific time period during which the promotional information of the target application is displayed on the payment device. For example, the promotional information can be set to be displayed on a specific date and time period. If the payment device is a swipe payment device in a store in a shopping mall, the display can be set to be displayed during the time when the customer traffic in the mall is the highest, such as weekends, holidays, or during specific promotional activities. The selection of display time aims to maximize the exposure of the target users so that the promotional information can be displayed when users are active, thereby improving the promotional effect.

[0081] Display frequency refers to the number of times a payment device actively displays promotional information for a target application within a certain period of time. For example, it can be set to display a certain number of times per hour or per day. A reasonable display frequency can ensure that users see promotional information at the right time, while avoiding user fatigue or aversion caused by excessive display.

[0082] S204, in response to an interactive operation on promotional information, transmits the installation file of the target application to the terminal device; the target object of the terminal device is the object that pays the target order.

[0083] The target object is the recipient of the target order, i.e., the consumer, also known as the user. The target order refers to the specific transaction or purchase request involved in the payment process for the target object, which may include the order amount and information about the goods or services the target object wishes to purchase. The terminal device is the device used by the target object.

[0084] Interactive operations refer to actions taken to participate in promotional activities associated with promotional information. Specifically, these can be any of the following: touch operation, gesture or body posture control, voice command control, or facial expression control. Touch operation refers to user interaction via a touchscreen or other touch device, including clicking, swiping, and dragging. Users can directly interact with the promotional information, such as clicking the "Participate in Activity" button. Gesture or body posture control refers to user interaction with the device through gestures or body movements, including waving, shaking, and reaching out. Voice command control refers to user interaction with the device through voice commands. Users can speak specific instructions (such as "Participate in Activity"). Facial expression control refers to user interaction with the device through changes in facial expressions. The device uses facial recognition technology to capture the user's expressions, such as smiling or frowning.

[0085] The installation file for the target device is a file containing all the necessary data and code for the application, which users can use to install and run the application on their own devices.

[0086] Specifically, after displaying promotional information for a target application, the payment device can use sensors or input devices (such as touchscreens, cameras, microphones, etc.) on the payment device to detect whether the target has triggered an activity related to the displayed promotional information. When the target has triggered an activity related to the promotional information, the payment device establishes a communication connection with the target's terminal device and obtains the installation file of the target application pre-stored locally on the payment device. The payment device then sends the installation file to the target's terminal device through the established communication connection. After receiving the installation file, the terminal device can install the target application based on the installation file.

[0087] S206 After the terminal device completes the installation of the target application based on the installation file, it outputs a prompt message to remind the user to pay for the target order.

[0088] The prompt message is a payment prompt message, which is used to prompt payment for the target order. For example, the prompt message may be "Please pay: ¥299.00", "Please place your palm on the palm-scanning area to pay", or "Please scan the code to pay".

[0089] Specifically, after the target device receives the installation file of the target application, the target user can start the installation program by clicking the installation file on the terminal device. The installation program will decompress the installation file, extract all components of the application (code, resource files, etc.) and begin installation. During the installation process, the target device will provide real-time feedback on the installation progress to the payment device. When the payment device receives a message indicating that the installation of the target application is complete, the payment device will obtain the target order corresponding to the target user, generate a prompt message to prompt payment for the target order, and output the generated prompt message.

[0090] The prompt information can be output via voice or visual display.

[0091] S208, in response to the payment operation, outputs the payment result of the target order; the payment amount of the target order includes the payment amount of the target object and the reward amount obtained after installing the target application.

[0092] Specifically, payment operations can include QR code payment operations, biometric payment operations, etc.

[0093] Specifically, in response to a payment operation, the payment device obtains the target object's identity verification information and activity participation information, and sends these information to the server so that the server can process the payment for the target order based on the identity verification information and activity participation information.

[0094] The target's identity verification information can specifically include payment code information, body part images, etc. The body part images can be any one of the following: facial images, palm images, eye images, finger images, etc. Therefore, payment can be made using methods such as facial recognition, palmprint recognition, iris recognition, and fingerprint recognition. Furthermore, during the payment process, the reward amount earned after installing the target application can be deducted from the order amount, thus allowing the target to obtain order discounts by installing the target application during the payment process.

[0095] The activity participation information can specifically include information related to the promotion activities of the target application that the target object is participating in. This can include device information of the payment device, file information of the installation file used by the target object to install the target application, and activity rules of the target application's promotion activities.

[0096] Taking the payment device as an example, the server is the backend server corresponding to the payment application, which provides backend support for the payment business. The palm payment device acquires an image of the target user's palm and sends the palm image and the target user's activity participation information to the backend server corresponding to the palm payment application. The backend server can then locate the target user corresponding to the received palm image (i.e., find the user associated with the palm image) and determine the reward amount based on the target user's activity participation information. Based on the order amount and reward amount of the target order, the server determines the amount to be paid for the target user. If the target user is found, the backend server can further deduct the amount to be paid from the target user's payment account and the amount corresponding to the reward from the payment account of the promotional activity initiator of the target application, generating a payment result corresponding to the palm image. It should be understood that if the deduction is successful, the generated target payment result indicates a successful palm payment; if the deduction fails (e.g., due to insufficient payment account balance), the generated target payment result indicates a failed palm payment; if the target user is not found, the backend server can directly generate a target payment result indicating a failed palm payment. Finally, the backend server can return the generated target payment result to the palm payment device, which then outputs the payment result for the target order.

[0097] In the above embodiments, by displaying promotional information of the target application to the target object, the target object can interact with the promotional information. In response to the interactive operation of the promotional information, the installation file of the target application is transmitted to the terminal device. The target object of the terminal device is the object that pays the target order. After the terminal device completes the installation of the target application based on the installation file, it outputs a prompt message to pay the target order. In response to the payment operation, it outputs the payment result of the target order. The payment amount of the target order includes the payment amount of the target object and the reward amount obtained after installing the target application. In this way, the target application can be promoted to the target object during the electronic payment process, and the installation file of the target application can be quickly provided to the target object, so that the target object can easily install the target application. At the same time, it can also reduce the payment cost of the target object. Thus, the above payment method can not only realize the payment function, but also realize application promotion and rapid installation, and bring benefits to the target object.

[0098] In one embodiment, before the payment device transmits the installation file of the target application to the terminal device, the payment device may further: output a connection prompt message; if the terminal device activates the near-field communication function in response to the connection prompt message, establish a communication connection with the terminal device and output a connection status prompt message; the process of the payment device transmitting the installation file of the target application to the terminal device includes the following steps: transmitting the installation file of the target application to the terminal device through the communication connection.

[0099] Connection prompts refer to the instructive messages conveyed by the payment device to the user when preparing to establish a communication connection with the target device's terminal. These prompts guide the user through necessary operations to successfully establish a connection and transfer the target application's installation files. For example, the prompt might be "Please turn on Bluetooth." Connection prompts can be output via voice or visual display.

[0100] Near Field Communication (NFC) technology typically refers to the technology of wireless data exchange over short distances, specifically near field communication (NFC) or Bluetooth communication.

[0101] Connection status messages are feedback messages used to inform users of the current connection status. These messages typically help the target user understand the connection progress, whether it was successful, or if a problem occurred. For example, the connection status message might be "Connecting to device, please wait...", "Connection successful", "Please ensure your device is visible to connect", or "Connection failed, please check if your device's Bluetooth is enabled".

[0102] In one embodiment, in response to an interactive operation related to promotional information, the payment device displays a connection prompt, such as "Please turn on Bluetooth." The target device can then enable its near-field communication (NFC) function based on this prompt, such as turning on Bluetooth. Simultaneously, the payment device also enables its own NFC function, such as turning on Bluetooth. After enabling its own NFC function, the payment device begins searching for connected terminal devices. When the target device is found, a communication connection is established. During the connection establishment process, a connection status prompt is output. After successfully establishing the connection, the installation file of the target application is transmitted to the terminal device through the established connection.

[0103] In the above embodiments, the payment device outputs connection prompt information in advance, allowing the target to better understand the upcoming operation and participate in the promotional activities. When the terminal device responds to the connection prompt information and activates the near-field communication function, a communication connection is established with the terminal device, and a connection status prompt information is output. The installation file of the target application is transmitted to the terminal device through the communication connection, ensuring the integrity and accuracy of the data during transmission and reducing file transmission failures or errors caused by connection problems.

[0104] In one embodiment, the process of a payment device transmitting the installation file of a target application to a terminal device includes the following steps: after receiving the public key sent by the terminal device, encrypting the installation file of the target application based on the public key to obtain the encrypted installation file; the terminal device storing the private key corresponding to the public key; transmitting the encrypted installation file to the terminal device so that the terminal device can decrypt the encrypted installation file based on the private key to obtain the installation file.

[0105] In this context, the public key and the private key constitute the key pair for an asymmetric encryption algorithm. An asymmetric encryption algorithm is an encryption technique that uses a key pair containing a public key and a private key to encrypt and decrypt data.

[0106] Specifically, after establishing a communication connection with the payment device, the terminal device generates a key pair based on an asymmetric encryption algorithm and sends the public key of the generated key pair to the payment device. It also stores the private key of the generated key pair. After receiving the public key sent by the terminal device, the payment device uses the received public key to encrypt the installation file of the target application, obtaining the encrypted installation file. The payment device then sends the encrypted installation file to the terminal device through the communication connection between the terminal device and the payment device. After receiving the encrypted installation file, the terminal device obtains the pre-stored private key and decrypts the encrypted installation file based on the private key, thereby obtaining the installation file of the target application.

[0107] In the above embodiments, the payment device encrypts the installation file using the public key after receiving the public key sent by the terminal device. Only the terminal device with the corresponding private key can decrypt it, effectively improving the security and reliability of file transmission.

[0108] In one embodiment, the above-mentioned electronic payment method further includes the following steps: sending an installation status query request to a terminal device; receiving a response result from the terminal device in response to the installation status query request; when the response result indicates that the target application is not installed on the terminal device, performing the step of transferring the installation file of the target application to the terminal device; when the response result indicates that the target application is installed on the terminal device, outputting a prompt message indicating that the terminal device does not meet the activity rules of the target application.

[0109] The installation status query request is used to check whether the target application has been installed on the terminal device. The response result refers to the feedback information from the terminal device to the installation status query request, which informs the payment device of the installation status of the target application. The installation status can be either "installed" or "not installed." "Installed" means that the target application has been installed on the terminal device, while "not installed" means that the target application has not yet been installed on the terminal device.

[0110] The notification message is used to inform the target user that they cannot participate in the promotional activities of the target application. For example, the application promotion rules may stipulate that the terminal device must install the target application for the first time using the installation file sent by the payment device. If the target application is already installed on the terminal device, it means that the terminal device cannot meet the requirement, and the payment device can generate and output a notification message indicating that the terminal device does not meet the activity rules of the target application. If the target application is not installed on the terminal device, it means that the terminal device can meet the requirement, and the process of transmitting the installation file of the target application to the terminal device continues. The notification message can be output via voice or visual display.

[0111] In the above embodiments, the payment device sends an installation status query request to the terminal device, receives the response result of the terminal device in response to the installation status query request, and then determines that the target application is not installed on the terminal device before transferring files. If the response result determines that the target application is installed on the terminal device, the installation file will not be transferred, and a prompt message indicating that the terminal device does not meet the activity rules of the target application will be output. This avoids invalid operations of the target object, saves network resources and device storage space, and reduces unnecessary data transmission burden.

[0112] In one embodiment, the process of a payment device displaying promotional information for a target application includes the following steps: acquiring promotional information for at least two applications to be promoted from storage; displaying the promotional information for the target application when a display event for the target application among the applications to be promoted is triggered; the display event includes a carousel switching event and a manual switching event.

[0113] Among them, the application to be promoted refers to multiple applications stored on the payment device that may be displayed, and the target application refers to the specific application that is currently being promoted.

[0114] Display events refer to specific behaviors or state changes triggered during the promotion process. These events cause the promotional information of the target application to be displayed. Display events can specifically include carousel switching events and manual switching events. Carousel switching events are automated display events. The system automatically switches the displayed promotional information according to a preset time interval. For example, the system will automatically display the information of the application to be promoted at a set time interval (such as every 5 seconds or every 10 seconds). Manual switching events are user-driven display events. Users switch the displayed promotional information through direct operation. Users can choose to view different information of the application to be promoted at any time according to their own interests and needs.

[0115] For example, a payment device stores promotional information for three applications: A, B, and C. The display order is A, B, and C, respectively. During a certain display period, application A is initially identified as the target application, and its promotional information is displayed during the first time slot of that period. When the first time slot ends, application B is identified as the target application, and its promotional information is displayed during the second time slot. When the second time slot ends, application C is identified as the target application, and its promotional information is displayed during the third time slot. During the display of an application's promotional information, if the user triggers an information switching operation, the promotional information for the next or previous application corresponding to the currently displayed target application is displayed. For example, if the user sees application A's promotional information for the first time and clicks "Next," application B's promotional information is displayed. If the user clicks "Next" again while displaying application B's promotional information, application C's promotional information is displayed. If the user clicks "Previous" while displaying application B's promotional information, they can return to view application A's promotional information.

[0116] In the above embodiments, the payment device can more effectively guide the target audience to notice the target application through flexible display methods, such as carousel display and manual switching display, so that the target audience can easily select the target application they are interested in, increase the chance of downloading and installing it, and thus improve the promotion effect.

[0117] In one embodiment, the above-mentioned electronic payment method further includes the following steps: receiving configuration information for a promotional activity of the application to be promoted; the configuration information includes promotional information and installation files; the configuration information is sent by the server after the activity request initiated by the activity initiator has been approved; and storing the promotional information and installation files.

[0118] In this context, the promotional activities for the application to be promoted refer to activities aimed at encouraging users to download, install, or use the application. The configuration information for the promotional activities refers to the specific data and parameters required for implementing and managing the promotional activities. Specifically, this includes information such as the promotional information of the application to be promoted, the installation file of the application to be promoted, the activity rules, the activity validity period, and the promotion frequency. The activity rules refer to the specific regulations set in the promotional activities to clarify the participation conditions, reward mechanisms, and activity processes. In this embodiment, the activity rules can specifically describe the relationship between the promotion channels, promotional devices, and reward amounts. The installation file can specifically correspond to a corresponding channel identifier, which is used to characterize the promotion channel. The promotion channel refers to the specific path or platform used in the promotional activities to encourage users to install the corresponding application. For example, if the channel identifier of the installation file of the application to be promoted is 01, the identifier "01" indicates that the installation file is sent by the backend server corresponding to the Shuazhang payment application, that is, the promotion channel of the application to be promoted is the Shuazhang platform.

[0119] An activity request initiated by the activity initiator refers to an application submitted by the activity initiator to promote a corresponding application to be promoted. The activity request may include application information of the application to be promoted, qualification information of the activity initiator, etc. The server reviews the activity request, specifically reviewing the application information and qualification information of the activity initiator, to effectively identify and reduce potential risks in the promotion activity and ensure the smooth progress and legality of the activity.

[0120] Specifically, when an event organizer wants to promote an application, they can send an event request to the server. The server reviews the application information (including the application to be promoted) and the event organizer's qualifications, and returns a successful review result. If the review is successful, the server sends the approval result back to the event organizer. The event organizer then submits the promotion event configuration information for the application to be promoted to the server. After receiving the configuration information, the server can determine eligible payment devices based on the promotion scope information in the application's configuration information and send the application's configuration information and channel identifier to the determined payment devices. After receiving the configuration information for the promotional activities of the application to be promoted, the payment device can store the promotional information and installation files in the configuration information. Before installing the installation files, a file identifier containing the channel identifier can be generated, and the installation files can be stored based on the file identifier. In addition, the payment device can also configure the display of the promotional information of the application to be promoted based on information such as the activity validity period and promotion frequency in the configuration information. For example, based on the activity validity period, the payment device can set a specific display time period, displaying relevant promotional information only between the start and end dates of the activity. Based on the promotion frequency in the configuration information, the payment device can set the display frequency of the promotional information.

[0121] In the above embodiments, the server reviews the activity request initiated by the activity initiator and sends the configuration information of the promotion activity of the application to be promoted to the payment device after the review is approved. This ensures the quality and compliance of the promotion activity deployed to the payment device. The payment device stores the promotion information and installation files, which enables it to quickly promote the corresponding application to be promoted to users based on the promotion information and quickly provide users with the installation files of the application to be promoted. This allows the target audience to easily install the target application and improves the promotion effect of the application.

[0122] In one embodiment, the above-described electronic payment method is applied to a payment device; the process by which the payment device responds to a payment operation and outputs the payment result of the target order specifically includes the following steps: in response to the payment operation, obtaining the identity verification information of the target object, and obtaining the device identifier of the payment device and the channel identifier of the installation file; the channel identifier is used to characterize the promotion channel of the target application; based on the device identifier, channel identifier, and configuration information, determining the reward amount; when identity verification is completed based on the identity verification information, order payment is made based on the order amount and reward amount of the target order to obtain the payment result of the target order; the payment result is displayed, or the payment result is played out by voice.

[0123] The target object's identity verification information can specifically include payment code information, body part images, etc. The body part images can specifically be any one of the following: face image, palm image, eye image, finger image, etc. The payment device identifier is a unique identifier used to identify and distinguish different payment devices. The installation file's channel identifier is a unique identifier used to identify the source of the target application's promotion. It is understood that in this application embodiment, the activity rules can specifically describe the relationship between promotion channels, promotion devices, and reward amounts. For example, promotion channels include payment platform promotion channels, social media platform promotion channels, app store promotion channels, etc. Promotion devices specifically include payment devices, electronic advertising screens, etc. It is understood that in this application embodiment, the promotion channel is the payment platform promotion channel, and the promotion device is the payment device. The payment platform promotion channel can also specifically include different payment platform promotion channels, such as payment platform A, payment platform B, etc. The payment device can specifically include different types of payment devices, such as payment devices in large supermarkets, payment devices in small merchants, etc. Figure 3 The payment device shown can be a palm-swipe payment device used in large supermarkets. A schematic diagram of such a palm-swipe payment device is shown below. Figure 4 and Figure 5 As shown, the palm payment device includes a screen and a sensor. The sensor is used to acquire images of the palm, and the screen is used to display information.

[0124] Specifically, in response to a payment operation, the payment device obtains the target object's identity verification information, as well as the device identifier and the file identifier of the target application's installation file. It extracts the channel identifier from the file identifier and sends the identity verification information, device identifier, file identifier, and the activity rules corresponding to the target application to the server. The server performs identity verification based on the identity verification information and determines the reward amount according to the device identifier, file identifier, and the activity rules corresponding to the target application. Based on the reward amount, it determines the target object's pending payment amount. After successful identity verification, it deducts the amount corresponding to the pending payment from the target object's payment account and deducts the amount corresponding to the reward from the payment account of the target application's promotional activity initiator, generating the payment result accordingly.

[0125] In the above embodiments, the payment device verifies the identity of the target object by obtaining the identity verification information, ensuring that only legitimate users can complete the payment, thereby improving the security of the payment; the reward amount is determined based on the device identifier, channel identifier and configuration information, and the reward can be flexibly adjusted according to different promotion channels and user situations to incentivize users to make payments, thereby improving the promotion effect of the target application; by clearly displaying or playing the payment result by voice, users can understand the payment status in real time.

[0126] In one embodiment, the payment operation includes a biometric payment operation; the identity verification information includes any one of the following body part images: palm image, face image, finger image, and eye image; the process by which the payment device obtains the identity verification information of the target object in response to the payment operation includes the following steps: in response to the palm payment operation, the payment device obtains a sequence of body part images; performs preliminary image screening on the body part image sequence to obtain candidate body part images; determines the body part orientation and body part size of each candidate body part image; and selects a body part image for identity verification from the body part images based on the body part orientation and body part size.

[0127] Among them, the body part image sequence refers to a series of continuously captured images of body parts. These images may have different image quality and shooting angles. Image quality refers to at least one of the image's brightness, contrast, and sharpness, while shooting angle refers to at least one of the body part's direction and size in the image.

[0128] Specifically, while outputting prompts to indicate payment for the target order, the payment device also displays biometric input prompts. These prompts instruct the user to place the corresponding body part in a specific area of ​​the payment device so that it can acquire a sequence of body part images. After acquiring the biometric input prompts, the payment device activates its camera to capture images, obtaining a sequence of body part images. It then applies preset image quality filtering criteria to perform preliminary image filtering, generating candidate body part images. The size of the body part region in each candidate image is determined, resulting in the body part dimensions. Target candidate images whose body part dimensions meet a threshold are selected from the candidate images. Keypoint detection is performed on each target candidate image, yielding keypoint detection results. Based on these results, body part images whose orientation conforms to a specified range are identified within each target candidate image. These selected body part images are then used for subsequent identity verification.

[0129] In the above embodiments, the payment device can remove blurry or unqualified images by acquiring and initially screening body part image sequences, ensuring that candidate body part images have good clarity and usability, thereby improving the accuracy of identity verification. By determining the body part orientation and body part size of each candidate body part image, the optimal body part image can be selected from the candidate body part images based on the body part orientation and body part size, thereby improving the accuracy of identity verification.

[0130] In one embodiment, the number of target applications is at least two; the process of the payment device displaying promotional information of the target applications includes the following steps: displaying promotional information of the i-th target application; in response to an information addition operation, adding the i-th target application to the activity list; i is a positive integer greater than or equal to 1; in response to an information switching operation, assigning i=i+1, and returning to the step of displaying promotional information of the i-th target application, until an interactive operation for the promotional information is detected, stopping the above loop process; the process of the payment device transmitting the installation file of the target application to the terminal device in response to the interactive operation for the promotional information includes the following steps: in response to a confirmation operation for the activity list, transmitting the installation file of each target application in the activity list to the terminal device.

[0131] The activity list refers to a collection of promotional activities that include multiple target objects. Each promotional activity is associated with a corresponding target application, and the activity list records information about the target application, such as the application name.

[0132] Information addition refers to a specific action performed by the target user on the displayed promotional information for a target application, with the aim of adding the target application to the activity list. For example, while displaying promotional information for a target application, a first gesture prompt might be shown, instructing the target user to perform a specific gesture, such as prompting the target user to make an "OK" gesture in a specific area of ​​the payment device.

[0133] Information switching operation refers to a specific operation performed by the target object on the displayed promotional information of the target application. The purpose is to switch between multiple target applications to view the promotional information of different target applications. For example, while displaying the promotional information of a target application, a second gesture prompt is displayed. The second gesture prompt is used to instruct the target object to make a specific gesture, such as prompting the target object to make a swipe gesture in a specific area of ​​the payment device.

[0134] It should be noted that the number of applications to be promoted configured on the payment device is at least two. These applications to be promoted can be identified as target applications in sequence. That is, the number of target applications is at least two. Specifically, the number of target applications can be N, where N is an integer greater than or equal to 2.

[0135] Specifically, for N applications to be promoted, once the first application to be promoted is identified as the target application (i.e., the first application to be promoted is designated as the first target application), its promotional information is displayed. The target user can directly trigger an activity participation operation based on this displayed promotional information. The payment device responds to this operation by directly transferring the target application's installation file to the terminal device. Similarly, the target user can also trigger an information addition operation based on the displayed promotional information for the first target application. The payment device responds to this operation by adding the first target application to the activity list. Furthermore, the target user can also trigger an information switching operation based on the displayed promotional information for the first target application. The payment device responds to this operation by designating the second application to be promoted as the second target application and displaying its promotional information. The target user can directly trigger an activity participation operation on the displayed promotional information for the second target application. In response, the payment device directly executes the step of transmitting the installation file of the target application to the terminal device. The target user can also trigger an information addition operation on the displayed promotional information for the second target application. In response, the payment device adds the second target application to the activity list. Furthermore, the target user can trigger an information switching operation on the displayed promotional information for the second target application. In response, the payment device changes the third application to be promoted to the third target application, and so on, until the target user triggers a confirmation operation on the activity list. In response, the payment device retrieves the installation file of each target application in the activity list and transmits the retrieved installation file of each target application to the target user's terminal device.

[0136] In the above embodiments, after the payment device displays the promotional information of the target application, the target user can select the target application that interests them according to their own needs and add it to the activity list. After the selection is completed, the user can trigger a confirmation operation on the participation list, which transmits the installation files of all target applications in the activity list at once, which can reduce the trouble of multiple downloads for users and improve the promotion efficiency.

[0137] In one embodiment, the information addition operation includes a first gesture operation; the information switching operation includes a second gesture operation; the above electronic payment method further includes the following processes: acquiring a gesture image; performing gesture recognition based on the gesture image to obtain a recognized gesture; determining that the first gesture operation has been triggered when the recognized gesture matches a first preset gesture; and determining that the second gesture operation has been triggered when the recognized gesture matches a second preset gesture.

[0138] Specifically, while displaying promotional information for the i-th target application, the payment device also displays first and second gesture prompts, activates its camera to capture gesture images, extracts features from the captured images, and performs gesture recognition based on these features. The recognized gesture is then compared with both a first and a second preset gesture. When the recognized gesture matches the first preset gesture, a first gesture operation for the promotional information of the i-th target application is determined, triggering an information addition operation for the i-th target application. The payment device responds to this by adding the i-th target application to the activity list. When the recognized gesture matches the second preset gesture, a second gesture operation for the promotional information of the i-th target application is determined, triggering an information switching operation for the i-th target application, displaying promotional information for the previous or next target application.

[0139] The first gesture prompt information is used to instruct the target object to make a first specific gesture, such as prompting the target object to make an OK gesture in a specific area of ​​the payment device; the second gesture prompt information is used to instruct the target object to make a first specific gesture, such as prompting the target object to make a swipe gesture in a specific area of ​​the payment device.

[0140] In the above embodiments, the payment device uses predefined gestures, allowing the target user to control the display of promotional information for the target application, thereby improving the convenience for the target user to participate in promotional activities and thus increasing promotional efficiency.

[0141] In one embodiment, the above-mentioned electronic payment method further includes the following steps: displaying the transmission progress of the installation file during the transmission of the installation file of the target application to the terminal device; and displaying the installation progress of the target application during the installation process of the terminal device based on the installation file.

[0142] In one embodiment, the target device can divide the installation file of the target application into multiple small data packets and send each small data packet sequentially. After each data packet is sent, the number of bytes sent is recorded, and the current transmission progress is determined based on the number of bytes sent and the size of the installation file. The determined transmission progress is then updated to the user interface, which can be displayed using a progress bar, percentage, or other methods. For example, it can display "Transmitting... 45%" or update dynamically using a graphical progress bar.

[0143] In one embodiment, after the target user selects to install the target application on the terminal device, the terminal device starts the installation program and begins the installation process. During the installation process, the installation program updates the installation progress in real time. The terminal device obtains the installation progress through the system API and sends the obtained installation progress to the payment device through the established communication connection. After receiving the installation progress, the payment device updates the installation progress to the user interface.

[0144] In the above embodiments, the payment device displays the transmission and installation progress, allowing users to clearly understand the current operation status. If problems occur during transmission or installation, the progress display can help users and technical support personnel better identify the stage at which the fault occurs, thereby facilitating troubleshooting and resolution.

[0145] This application also provides an application scenario, specifically a palm-swipe payment scenario. The payment device is a palm-swipe payment device, the server is a palm-swipe payment platform, and the activity initiator is a third-party platform. This palm-swipe payment scenario applies the aforementioned electronic payment method, which is executed through interaction between the palm-swipe payment device, the palm-swipe payment platform, the third-party platform, and the target object's terminal device. (See reference...) Figure 6 The system diagram shown illustrates that the Shuazhang payment platform can provide promotional services. Specifically, it stores the activity configuration information of the activity initiator, including activity rules, installation files (APK packages), and promotional posters. The Shuazhang payment platform can also provide hand recognition services, promotional interaction scope and configuration push services, and reply services. The Shuazhang payment device has the Shuazhang payment application installed, and the Shuazhang payment platform serves as the service backend for this application. The Shuazhang payment application includes a hand acquisition module, a network module, a Bluetooth module, and a poster module. The hand acquisition module includes an optimization submodule and a liveness detection submodule. The network module includes a configuration retrieval submodule and a recognition request submodule. The optimization submodule is used to filter suitable hand images from the acquired hand image sequence. A high-quality palm image suitable for identity verification is used. The biopsy submodule ensures that the palm image used for identity verification comes from the real target object, not a photo or other static image. The configuration retrieval submodule retrieves the activity configuration information of the application to be promoted from the palm payment platform. The identification request submodule sends an identity verification request based on the palm image to the palm payment platform. The Bluetooth module enables short-range wireless communication between the payment device and the terminal device. The poster module displays the configured promotional poster of the application to be promoted. The target object's terminal device has a social application installed, and the terminal device includes a Bluetooth module. The social application includes an identity verification module and a settings module. At the same time, the terminal device can also perform application installation of the target application.

[0146] Before implementing electronic payment methods, the swipe payment device is pre-configured with promotional posters for the application to be promoted, for reference. Figure 7 The process specifically includes the following steps:

[0147] First, the third-party platform needs to upload relevant information and generate an activity request containing that information. This request is then sent to the ShuaZhang payment platform for review. The ShuaZhang payment platform returns the review result to the third-party platform. If the review is successful, the third-party platform sends the activity configuration information of the application to be promoted to the ShuaZhang payment platform. Upon receiving this information, the ShuaZhang payment platform returns a result to the third-party platform and determines the ShuaZhang payment device to be used for promotion based on the received information. The platform then sends the activity configuration information of the application to be promoted to the determined ShuaZhang payment device. Upon receiving this information, the ShuaZhang payment device returns a result.

[0148] After receiving the activity configuration information of the application to be promoted, the swipe payment device stores the promotional poster and installation file in the activity configuration information, and displays the promotional poster of the application to be promoted according to the activity validity period, promotion frequency and other information in the activity configuration information. Figure 8 The swipe payment device identifies the target application from multiple applications to be promoted based on its configuration and displays a promotional poster for the target application. The poster displays platform information and corresponding discounts from a third-party platform. The target user confirms participation by gesturing in front of the swipe payment device. In response to this confirmation, the swipe payment device prompts the target user to enable Bluetooth on their device. After enabling Bluetooth, a secure Bluetooth communication is established between the target user's device and the swipe payment device. The installation file of the currently displayed target application is then securely transferred to the target user's device. Upon receiving the installation file, the device installs the target application and returns a completion message to the swipe payment device. The swipe payment device then displays a notification upon receiving the completion message. The target user can complete the previous merchant order by swiping their palm to pay. Subsequently, the target user swipes their palm on the swiping payment device. In response to the swiping operation, the swiping payment device acquires a sequence of palm images, selects the palm images that meet the criteria from the sequence, and sends the palm images, the payment device's serial number (SN) information, the installation file information selected by the target user, and the activity rules to the swiping payment platform. The swiping payment platform determines the reward amount based on the received information, and determines the target user's pending payment amount based on the original order amount and the reward amount. The platform deducts the amount corresponding to the pending payment from the target user's corresponding payment account, deducts the amount corresponding to the reward amount from the payment account of the promotional activity of the target application, and generates the payment result corresponding to the palm image. The swiping payment device then displays the payment result.

[0149] It should be understood that although the steps in the flowcharts of the embodiments described above are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the embodiments described above may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0150] Based on the same inventive concept, this application also provides an electronic payment device for implementing the electronic payment method described above. The solution provided by this device is similar to the implementation described in the above method; therefore, the specific limitations in one or more electronic payment device embodiments provided below can be found in the limitations of the electronic payment method described above, and will not be repeated here.

[0151] In one embodiment, such as Figure 9 As shown, an electronic payment device is provided, including: a promotional information display module 902, a file sending module 904, a prompt information output module 906, and a payment result display module 908, wherein:

[0152] The promotional information display module 902 is used to display promotional information for the target application;

[0153] The file sending module 904 is used to transmit the installation file of the target application to the terminal device in response to the interactive operation of the promotional information; the target object of the terminal device is the object that pays the target order.

[0154] The prompt message output module 906 is used to output a prompt message to prompt payment for the target order after the terminal device completes the installation of the target application based on the installation file;

[0155] The payment result display module 908 is used to respond to the payment operation and output the payment result of the target order; the payment amount of the target order includes the payment amount of the target object and the reward amount obtained after installing the target application.

[0156] In the above embodiments, by displaying promotional information of the target application to the target object, the target object can interact with the promotional information. In response to the interactive operation of the promotional information, the installation file of the target application is transmitted to the terminal device. The target object of the terminal device is the object that pays the target order. After the terminal device completes the installation of the target application based on the installation file, it outputs a prompt message to pay the target order. In response to the payment operation, it outputs the payment result of the target order. The payment amount of the target order includes the payment amount of the target object and the reward amount obtained after installing the target application. In this way, the target application can be promoted to the target object during the electronic payment process, and the installation file of the target application can be quickly provided to the target object, so that the target object can easily install the target application. At the same time, it can also reduce the payment cost of the target object. Thus, the above payment method can not only realize the payment function, but also realize application promotion and rapid installation, and bring benefits to the target object.

[0157] In one embodiment, such as Figure 10 As shown, the device also includes:

[0158] The prompt message output module 906 is used to output connection prompt messages;

[0159] The communication connection establishment module 910 is used to establish a communication connection with the terminal device and output a connection status prompt message when the terminal device activates the near-field communication function in response to the connection prompt message.

[0160] The file sending module 904 is also used to: transmit the installation file of the target application to the terminal device via a communication connection.

[0161] In one embodiment, the file sending module 904 is further configured to: after receiving the public key sent by the terminal device, encrypt the installation file of the target application based on the public key to obtain the encrypted installation file; the terminal device stores the private key corresponding to the public key; and transmit the encrypted installation file to the terminal device so that the terminal device decrypts the encrypted installation file based on the private key to obtain the installation file.

[0162] In one embodiment, the file sending module 904 is further configured to: send an installation status query request to the terminal device; receive a response result from the terminal device in response to the installation status query request; when the response result indicates that the target application is not installed on the terminal device, perform the step of transmitting the installation file of the target application to the terminal device; when the response result indicates that the target application is installed on the terminal device, output a prompt message indicating that the terminal device does not meet the activity rules of the target application.

[0163] In one embodiment, the promotion information display module 902 is further configured to: acquire promotion information of at least two applications to be promoted stored; and display the promotion information of the target application when a display event for the target application in the applications to be promoted is triggered; the display event includes a carousel switching event and a manual switching event.

[0164] In one embodiment, the promotion information display module 902 is further configured to: receive configuration information for the promotion activities of the application to be promoted; the configuration information includes promotion information and installation files; the configuration information is sent by the server after the activity request initiated by the activity initiator has been approved; and store the promotion information and installation files.

[0165] In one embodiment, the promotion information display module 902 is further configured to: in response to a payment operation, obtain the identity verification information of the target object, and obtain the device identifier of the payment device and the channel identifier of the installation file; the channel identifier is used to characterize the promotion channel of the target application; determine the reward amount based on the device identifier, the channel identifier, and the configuration information; when identity verification is completed based on the identity verification information, make order payment based on the order amount and the reward amount of the target order to obtain the payment result of the target order; display the payment result, or play the payment result by voice.

[0166] In one embodiment, the payment operation includes a biometric payment operation; the identity verification information includes images of any one of the following body parts: a palm image, a face image, a finger image, or an eye image; such as Figure 10 As shown, the device also includes an image acquisition module 912, used for: acquiring a sequence of body part images through the payment device in response to a palm payment operation; performing preliminary image filtering on the sequence of body part images to obtain candidate body part images; determining the body part orientation and body part size of each candidate body part image; and selecting body part images for authentication from the body part images based on the body part orientation and body part size.

[0167] In one embodiment, the number of target applications is at least two; the promotion information display module 902 is further configured to: display the promotion information of the i-th target application; in response to the information addition operation, add the i-th target application to the activity list; i is a positive integer greater than or equal to 1; in response to the information switching operation, assign i=i+1, return to the step of displaying the promotion information of the i-th target application, and stop the above loop process when an interactive operation for the promotion information is detected; the file sending module 904 is further configured to: in response to the confirmation operation for the activity list, transmit the installation file of each target application in the activity list to the terminal device.

[0168] In one embodiment, the information addition operation includes a first gesture operation; the information switching operation includes a second gesture operation; the image acquisition module 912 is further configured to: acquire a gesture image; perform gesture recognition based on the gesture image to obtain a recognized gesture; determine that the first gesture operation has been triggered when the recognized gesture matches a first preset gesture; and determine that the second gesture operation has been triggered when the recognized gesture matches a second preset gesture.

[0169] In one embodiment, the prompt information output module 906 is further configured to: display the transmission progress of the installation file during the transmission of the installation file of the target application to the terminal device; and display the installation progress of the target application during the installation process of the terminal device based on the installation file.

[0170] The modules in the aforementioned electronic payment device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can call and execute the operations corresponding to each module.

[0171] In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as follows: Figure 11 As shown, the computer device includes a processor, memory, input / output interfaces, a communication interface, a display unit, and an input device. The processor, memory, and input / output interfaces are connected via a system bus, and the communication interface, display unit, and input device are also connected to the system bus via the input / output interfaces. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The input / output interfaces are used for exchanging information between the processor and external devices. The communication interface is used for wired or wireless communication with external terminals; wireless communication can be achieved through Wi-Fi, mobile cellular networks, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements an electronic payment method. The display unit of the computer device is used to form a visually visible image. It can be a display screen, a projection device, or a virtual reality imaging device. The display screen can be an LCD screen or an e-ink screen. The input device of the computer device can be a touch layer covering the display screen, or buttons, trackballs, or touchpads set on the casing of the computer device, or external keyboards, touchpads, or mice, etc.

[0172] Those skilled in the art will understand that Figure 11The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0173] In one embodiment, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0174] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon that, when executed by a processor, implements the steps in the above method embodiments.

[0175] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0176] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of the relevant data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0177] Those skilled in the art will understand that all or part of the processes in the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the embodiments described above. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0178] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0179] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. An electronic payment method, characterized in that, The method includes: Display promotional information for the target application; In response to an interactive operation on the promotional information, the installation file of the target application is transmitted to the terminal device; the target object of the terminal device is the object that pays the target order. After the terminal device completes the installation of the target application based on the installation file, it outputs a prompt message to encourage payment for the target order; In response to the payment operation, the payment result of the target order is output; the payment amount of the target order includes the payment amount of the target object and the reward amount obtained after installing the target application.

2. The method according to claim 1, characterized in that, Before transmitting the installation file of the target application to the terminal device, the method further includes: Output connection prompt message; When the terminal device activates the near-field communication function in response to the connection prompt information, a communication connection is established with the terminal device, and a connection status prompt information is output. The step of transmitting the installation file of the target application to the terminal device includes: The installation file of the target application is transmitted to the terminal device via the communication connection.

3. The method according to claim 1, characterized in that, The step of transmitting the installation file of the target application to the terminal device includes: After receiving the public key sent by the terminal device, the installation file of the target application is encrypted based on the public key to obtain the encrypted installation file; the terminal device stores the private key corresponding to the public key; The encrypted installation file is transmitted to the terminal device, so that the terminal device can decrypt the encrypted installation file based on the private key to obtain the installation file.

4. The method according to claim 1, characterized in that, The method further includes: Send an installation status query request to the terminal device; Receive the response result from the terminal device in response to the installation status query request; When the response result indicates that the target application is not installed on the terminal device, the step of transferring the installation file of the target application to the terminal device is executed; When the response result indicates that the target application has been installed on the terminal device, a prompt message is output indicating that the terminal device does not meet the activity rules of the target application.

5. The method according to claim 1, characterized in that, The promotional information displayed for the target application includes: Retrieve promotional information for at least two applications to be promoted from the storage; When a display event for the target application in the application to be promoted is triggered, the promotional information of the target application is displayed; the display event includes a carousel switching event and a manual switching event.

6. The method according to claim 5, characterized in that, The method further includes: The server receives configuration information for the promotional activities of the application to be promoted; the configuration information includes promotional information and installation files; the configuration information is sent by the server after it has approved the activity request initiated by the activity initiator. The promotional information and the installation files are stored.

7. The method according to claim 6, characterized in that, The method is applied to a payment device; the step of responding to a payment operation and outputting the payment result of the target order includes: In response to a payment operation, the system obtains the identity verification information of the target object, as well as the device identifier of the payment device and the channel identifier of the installation file; the channel identifier is used to characterize the promotion channel of the target application. The reward amount is determined based on the device identifier, the channel identifier, and the configuration information; When identity verification is completed based on the identity verification information, the order payment is made based on the order amount of the target order and the reward amount, and the payment result of the target order is obtained; Display the payment result, or play the payment result by voice.

8. The method according to claim 7, characterized in that, The payment operation includes biometric payment; the identity verification information includes any one of the following body part images: palm image, face image, finger image, and eye image. The step of obtaining the identity verification information of the target object in response to a payment operation includes: In response to a palm-swipe payment operation, the payment device acquires a sequence of body part images. Preliminary image screening is performed on the body part image sequence to obtain candidate body part images; Determine the body part orientation and body part size of each candidate body part image; Based on the orientation and size of the body part, a body part image for authentication is selected from the body part images.

9. The method according to claims 1 to 8, characterized in that, The number of target applications is at least two; the promotional information displayed for the target applications includes: Display promotional information for the i-th target application; In response to the information addition operation, the i-th target application is added to the activity list; i is a positive integer greater than or equal to 1; In response to the information switching operation, i = i + 1 is assigned, and the step of displaying the promotion information of the i-th target application is returned until an interactive operation on the promotion information is detected, at which point the above loop process stops. The step of transmitting the installation file of the target application to the terminal device in response to an interactive operation on the promotional information includes: In response to a confirmation operation for the activity list, the installation file for each target application in the activity list is transmitted to the terminal device.

10. The method according to claim 9, characterized in that, The information addition operation includes a first gesture operation; the information switching operation includes a second gesture operation; the method further includes: Get the gesture image; Based on the gesture image, gesture recognition is performed to obtain the recognized gesture; When the recognized gesture matches the first preset gesture, it is determined that the first gesture operation has been triggered; When the recognized gesture matches the second preset gesture, it is determined that the second gesture operation has been triggered.

11. The method according to any one of claims 1 to 8, characterized in that, The method further includes: During the process of transferring the installation file of the target application to the terminal device, the transfer progress of the installation file is displayed; During the installation of the target application on the terminal device based on the installation file, the installation progress of the target application is displayed.

12. An electronic payment device, characterized in that, The device includes: The promotional information display module is used to display promotional information for the target application; The file sending module is used to transmit the installation file of the target application to the terminal device in response to the interactive operation of the promotion information; the target object of the terminal device is the object that pays the target order. The prompt message output module is used to output a prompt message to prompt payment for the target order after the terminal device completes the installation of the target application based on the installation file; The payment result display module is used to respond to the payment operation and output the payment result of the target order; the payment amount of the target order includes the payment amount of the target object and the reward amount obtained after installing the target application.

13. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 11.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 11.

15. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 11.

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