A payment method, payment terminal and payment system

Abstract

The application discloses a payment method, a payment terminal and a payment system, and relates to the technical field of computers. A specific implementation manner of the method comprises the following steps: in response to a payment operation triggered by a user, payment environment information corresponding to a payment terminal is acquired; according to the payment environment information, associated merchant information corresponding to the payment terminal is determined; a merchant code corresponding to the associated merchant information is displayed on a display page; and in response to a scanning operation on the merchant code, the merchant code on the display page is switched to a payment code, so that payment is performed according to the payment code. In the implementation manner, the automatic switching of the merchant code and the payment code is realized in the payment process, and the user does not need to switch applications and perform operations in different applications, so that the payment operation of the user is simplified, and the payment efficiency and the user experience are improved.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a payment method, payment terminal, and payment system. Background Technology

[0002] With the development of mobile payment technology, users are increasingly using QR code payment when shopping offline. During the QR code payment process, if users need to use merchant discounts (such as member prices, member points, or merchant coupons), they need to first display the corresponding discount code (such as a member ID QR code or coupon barcode) through the merchant's application or mini-program. After confirming that the discount code has been scanned, they then switch to the payment application to display the payment code to complete the payment.

[0003] During this process, users need to switch back and forth between the merchant application and the payment application, which not only makes the operation cumbersome and complicated, increases the payment interaction time, but may also cause users to miss out on offers and reduce the user experience. Summary of the Invention

[0004] In view of this, embodiments of the present invention provide a payment method, a payment terminal, and a payment system. During the payment process, based on the payment environment information corresponding to the payment terminal, the system determines the relevant associated merchant information and displays the merchant code. After the merchant code is scanned, the system automatically switches to displaying the payment code. This achieves automatic switching between the merchant code and the payment code during the payment process without requiring the user to switch applications, thereby simplifying the user's payment operation and improving payment efficiency and user experience.

[0005] To achieve the above objectives, according to one aspect of the present invention, a payment method is provided, applied to a payment terminal, the method comprising:

[0006] In response to a user-triggered payment action, obtain the payment environment information corresponding to the payment terminal;

[0007] Based on the payment environment information, determine the associated merchant information corresponding to the payment terminal;

[0008] The display page shows the merchant code corresponding to the associated merchant information;

[0009] In response to the scanning of the merchant code, the merchant code displayed on the page will be switched to a payment code for payment.

[0010] Optionally, the payment environment information includes: the real-time location of the payment terminal, the network information corresponding to the payment terminal, the usage records corresponding to multiple registered merchants, and popular merchant information; based on the payment environment information, the associated merchant information corresponding to the payment terminal is determined, including:

[0011] Based on the real-time location and the information of multiple pre-registered merchants, the target merchant corresponding to the real-time location is determined, and the distance between the location of the target merchant and the real-time location is less than a preset distance threshold.

[0012] Based on usage records, determine the number of payments made by the payment terminal to the target merchant;

[0013] Based on network information, determine the network connection status between the payment terminal and the target merchant;

[0014] Based on the number of payments, network connectivity, and whether the target merchant is a popular merchant, the associated merchant information is determined from the registered merchant information corresponding to the target merchant.

[0015] Optionally, the payment terminal stores information on multiple registered merchants, and the associated merchant information is determined by the payment terminal from the multiple registered merchant information based on the payment environment information.

[0016] Optionally, the payment backend corresponding to the payment terminal stores information on multiple registered merchants. The associated merchant information is determined by the payment backend from the multiple registered merchant information based on the payment environment information and then sent to the payment terminal.

[0017] Optionally, the merchant code corresponding to the associated merchant information is displayed on the display page, including: displaying the merchant code in the first area of ​​the display page;

[0018] The merchant code displayed on the page will be switched to a payment code, including: a pop-up window in the first area to display the payment code.

[0019] Optionally, the merchant code displayed on the page can be switched to a payment code, including:

[0020] A switching prompt message will be displayed in the second area of ​​the display page;

[0021] In response to the user's confirmation of the switching prompt, the payment code is displayed in the first area.

[0022] Optionally, the display page may also include: a functional area; and the ability to switch the merchant code displayed on the page to a payment code, including:

[0023] In response to an operation command input by the user in the function area, a floating window pops up in the first area according to the operation command, which is input by the user after the scanning operation.

[0024] To achieve the above objectives, according to a second aspect of the present invention, a payment terminal is provided, comprising: a payment environment information acquisition module, a merchant information determination module, and a display module; wherein,

[0025] The payment environment information acquisition module is configured to: in response to a user-triggered payment operation, acquire the payment environment information corresponding to the payment terminal;

[0026] The merchant information determination module is configured to: determine the associated merchant information corresponding to the payment terminal based on the payment environment information;

[0027] The display module is configured to: display the merchant code corresponding to the associated merchant information on the display page; in response to the scanning operation of the merchant code, switch the merchant code on the display page to a payment code to make payment based on the payment code.

[0028] To achieve the above objectives, according to a third aspect of the present invention, a payment system is provided, comprising: the payment terminal and the payment backend provided in the second aspect; wherein,

[0029] The payment terminal is configured to: respond to a user-triggered payment operation, acquire and send payment environment information to the payment backend;

[0030] The payment backend is configured to: determine the associated merchant information corresponding to the payment terminal based on the payment environment information, and send the associated merchant information to the payment terminal;

[0031] The payment terminal is also configured to: display the merchant code corresponding to the associated merchant information on the display page; and in response to the scanning operation of the merchant code, switch the merchant code on the display page to a payment code to make payment based on the payment code.

[0032] Optionally, the payment system also includes: a merchant backend; wherein the merchant backend is configured to: receive the scanning result of the merchant code sent by the scanning terminal, and send the scanning result to the payment backend;

[0033] The payment backend is configured to: send the scan results to the payment terminal; or, generate a switching prompt message based on the scan results and send the switching prompt message to the payment terminal.

[0034] To achieve the above objectives, according to another aspect of the present invention, an electronic device for payment is provided, the electronic device comprising: a processor; and a memory for storing processor-executable instructions, wherein the processor is configured to execute the instructions to implement a payment method according to an embodiment of the present invention.

[0035] To achieve the above objectives, according to another aspect of the present invention, a computer-readable storage medium is provided, wherein when the instructions in the computer-readable storage medium are executed by a processor of a server for payment, the server processing the request is enabled to perform a payment method according to an embodiment of the present invention.

[0036] To achieve the above objectives, according to another aspect of the present invention, a computer program product is provided, including a computer program that, when executed by a processor, implements a payment method according to an embodiment of the present invention.

[0037] One embodiment of the above invention has the following advantages or beneficial effects: During the payment process, the corresponding associated merchant information is determined based on the payment environment information corresponding to the payment terminal, and the merchant code is displayed through the payment terminal. After the merchant code is scanned, the payment code is automatically switched for display. This achieves automatic switching between the merchant code and the payment code during the payment process without requiring the user to switch applications, thereby simplifying the user's payment operation and improving payment efficiency and user experience.

[0038] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0039] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0040] Figure 1 This is a schematic flowchart of a payment method applied to a payment terminal according to an embodiment of the present invention;

[0041] Figure 2 This is a schematic diagram of an interface for switching between displaying merchant codes and payment codes, provided by an embodiment of the present invention;

[0042] Figure 3 This is a schematic diagram of another interface for switching between displaying merchant codes and payment codes, provided by an embodiment of the present invention;

[0043] Figure 4 This is a schematic diagram of the main modules of a payment terminal provided in an embodiment of the present invention;

[0044] Figure 5 This is a schematic diagram of the main modules of a payment system provided in an embodiment of the present invention;

[0045] Figure 6 This is a flowchart illustrating a payment method implemented using a payment system, as provided in an embodiment of the present invention.

[0046] Figure 7 This is a flowchart illustrating another payment method implemented using a payment system, provided by an embodiment of the present invention.

[0047] Figure 8 This is a flowchart illustrating another payment method implemented using a payment system, provided by an embodiment of the present invention.

[0048] Figure 9This is a flowchart illustrating another payment method implemented using a payment system, provided by an embodiment of the present invention.

[0049] Figure 10 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0050] Figure 11 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0051] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0052] To enable those skilled in the art to better understand this disclosure, the various embodiments of the present invention will be described in detail below with reference to the accompanying drawings and specific implementation methods. It should be noted that, unless otherwise specified, the embodiments of the present invention and the technical features thereof can be combined with each other.

[0053] Figure 1 This is a flowchart illustrating a payment method provided in an embodiment of the present invention, such as... Figure 1 As shown, when the payment method provided in this embodiment of the invention is applied to a payment terminal, it mainly includes the following steps S101-S104:

[0054] Step S101: In response to the payment operation triggered by the user, obtain the payment environment information corresponding to the payment terminal.

[0055] When a user needs to make a payment through a payment terminal, they can trigger a corresponding payment operation on the terminal's display page, such as clicking the "Pay" button shown on the page. The payment terminal then obtains the corresponding payment environment information based on the user's payment operation, automatically displaying the appropriate merchant code or payment code to the user. In this embodiment, the payment environment information includes multimodal information about the environment in which the payment terminal is located. For example, the payment environment information includes the real-time location of the payment terminal, the network information corresponding to the payment terminal, usage records corresponding to multiple registered merchants, and popular merchant information. The real-time location of the payment terminal is its current location; the network information in the payment environment information may include: the network information currently connected to the payment terminal and the historical connection records of the payment terminal; popular merchant information refers to information about merchants with high access frequency within a certain range of the real-time location. This popular merchant information can be predetermined and stored in the payment terminal and / or the payment backend, so that the pre-stored popular merchant information can be used directly to determine the associated merchant information during the payment process, thereby reducing payment waiting time. For example, for a specific location, its corresponding range and merchant information within that range can be pre-determined based on a set distance and / or business district segmentation strategy. Then, based on the access frequency of each merchant's information, merchants with access frequencies exceeding a preset frequency threshold are identified as popular merchants. Furthermore, registered merchant information is pre-registered with the payment terminal. Users can pre-enter merchant information into the payment terminal to register the merchant. For example, the payment terminal can provide a merchant registration page, allowing users to enter the merchant name and membership information to register the merchant. After merchant registration, the payment terminal can establish a mapping between the user's identity information bound to the payment terminal and the registered merchant information, enabling the display of the merchant code during the payment process.

[0056] Step S102: Determine the associated merchant information corresponding to the payment terminal based on the payment environment information.

[0057] In one embodiment of the present invention, a target merchant corresponding to the real-time location can first be determined from a pre-registered pool of registered merchant information based on the real-time location of the payment terminal, wherein the distance between the target merchant's location and the real-time location is less than a preset distance threshold. Then, based on the usage records of the registered merchant information, the number of payments made by the payment terminal to the target merchant is determined. The network connection status between the payment terminal and the target merchant is determined based on network information. Finally, based on the number of payments, the network connection status, and whether the target merchant is a popular merchant, associated merchant information is determined from the registered merchant information corresponding to the target merchant. The network connection status indicates the type of network (e.g., mobile network or wireless LAN) and the network identifier (e.g., Wi-Fi name) currently connected to the payment terminal.

[0058] It is understandable that the execution order of the above steps—determining the target merchant based on real-time location, determining the number of payments based on usage records, determining the network connection status based on network information, and determining whether the merchant is a popular merchant—can be arbitrary. That is, they can be executed sequentially, simultaneously, or in any other order.

[0059] After determining the distance between the target merchant's location and the user's real-time location, the number of payments made, network connectivity status, and whether the merchant is a popular merchant, the correlation value corresponding to each registered merchant's information can be calculated based on the pre-configured weight values ​​of each factor. Then, the registered merchant information with the highest correlation value is designated as the associated merchant information. For example, if the payment terminal automatically connects to the Wi-Fi of a target merchant at the current location, and it is determined that the payment terminal has made more payments at that target merchant than at other target merchants, and that the target merchant is also a popular merchant, then this indicates that the target merchant is a frequently visited merchant in this business district. Therefore, the registered merchant information corresponding to this target merchant is designated as associated merchant information, and the merchant code of this associated merchant information is automatically displayed. This not only simplifies the user's payment process but also prevents the user from missing out on offers, improving the user experience.

[0060] In this embodiment of the invention, if multiple registered merchant information entries have the same association value that is greater than other association values, one associated merchant information entry can be determined according to a pre-configured payment method. For example, a registered merchant information entry can be randomly selected as the associated merchant information entry, or a prompt message indicating the existence of multiple associated merchant information entries can be displayed, allowing the user to select one for display. Alternatively, the associated merchant information entry can be determined based on a user-preset priority. For instance, if the user sets the priority to distance priority, the merchant information entry closest to the real-time location among multiple registered merchant information entries with the same association value can be selected as the associated merchant information entry.

[0061] In addition, payment environment information may also include default associated merchant information pre-set by the user. After obtaining the payment environment information, if the default associated merchant information is parsed from it, the merchant code corresponding to that default associated merchant information can be directly displayed without needing to determine the associated merchant information based on real-time location, network information, usage history, and popular merchant information. Alternatively, if default associated merchant information exists, the distance between the merchant location corresponding to the default associated merchant information and the real-time location can be determined first based on the real-time location. If the distance is not greater than a preset threshold, the default associated merchant information can be directly displayed; otherwise, the associated merchant information can be determined based on real-time location, network information, usage history, and popular merchant information.

[0062] In this embodiment of the invention, the operation of determining the corresponding associated merchant information based on payment environment information can be performed by the payment terminal. For example, registered merchant information is stored in the payment terminal, and the usage records and popular merchant information corresponding to the registered merchant information can also be pre-stored in the payment terminal. After the payment terminal obtains real-time location and network information based on the payment operation, it can directly determine the associated merchant information based on the real-time location, network information, usage records, and popular merchant information. Alternatively, the operation of determining the corresponding associated merchant information based on payment environment information can also be performed by the payment backend corresponding to the payment terminal. In this case, the registered merchant information and its corresponding usage records are stored in the payment backend, as is the popular merchant information. After the payment terminal obtains real-time location and network information based on the payment operation, it can send the real-time location and network information to the payment backend. The payment backend then determines the associated merchant information and sends it back to the payment terminal, allowing the payment terminal to display the corresponding merchant code based on the associated merchant information.

[0063] Step S103: Display the merchant code corresponding to the associated merchant information on the display page.

[0064] Merchant codes include merchant membership codes or merchant discount codes. Once the associated merchant information is determined, the corresponding merchant code can be generated and displayed on the display page based on the registered merchant information corresponding to the associated merchant information.

[0065] Step S104: In response to the scanning operation of the merchant code, the merchant code displayed on the page is switched to a payment code to make payment based on the payment code.

[0066] After the merchant code is displayed, the merchant's scanning terminal (such as a barcode scanner or barcode reader) can scan the merchant code and send the scanning result to the merchant's backend. The merchant's backend can then notify the payment backend, which can send the scanning result to the payment terminal. This allows the payment terminal to automatically switch the merchant code on the display page to the payment code based on the scanning result. In other words, after the merchant code is scanned, the payment terminal can automatically switch the merchant code on the display page to the payment code without the user having to switch applications and operate in different applications to display the merchant code and payment code separately, thus simplifying the user's payment operation.

[0067] Figure 2 The diagram illustrates a payment terminal display page according to an embodiment of the present invention, such as... Figure 2As shown, the display page includes multiple areas, such as a first area displaying the merchant code and a bottom functional area (including functions like receiving money, transferring money, paying money, and scanning). After identifying the associated merchant information, the payment terminal can display the merchant code P1 through the first area. After merchant code P1 is scanned, a floating window can pop up in the first area to display the payment code P2. It's understood that when displaying payment code P2, it can completely cover merchant code P1, facilitating scanning by the merchant's scanning terminal. Therefore, displaying the switching code as a floating window on the payment terminal's display page eliminates the need for redesigning and developing the display page, thus reducing development costs.

[0068] In another embodiment of the present invention, to facilitate user confirmation of payment operations and improve payment security, in response to the merchant code being scanned, the payment terminal displays a switching prompt message in the second area of ​​the display page, and in response to the user's confirmation operation of the switching prompt message, displays the payment code in the first area. For example, this switching prompt message can be displayed via a pop-up window on the display page. Figure 3 As shown, after the merchant code is scanned, the payment terminal displays a pop-up window at the top of the page (second area) showing a switching prompt. The prompt may read, "Please confirm whether to switch the merchant code to a payment code." Users can confirm or cancel based on this prompt; for example, clicking "√" confirms, and clicking "×" cancels. Once the user confirms, the payment terminal can switch the merchant code to a payment code and display it. If the terminal receives a cancellation request, the switching operation will not be performed to ensure payment security.

[0069] In addition, such as Figure 2 and Figure 3 As shown, the display page also includes a function area. After scanning, if the user receives the scan result for the merchant code, they can input operation commands through the function area to confirm the switch between the merchant code and the payment code. The payment terminal responds to the operation commands input by the user in the function area, controlling the first area to pop up a floating window to display the payment code P2. For example, after scanning merchant code P1, the user can click... Figure 2 or Figure 3 The "Pay" option in the central functional area allows users to input their operation instructions. The payment terminal can then display the payment code P2 in a floating window in the first area based on these instructions.

[0070] Understandable, Figure 2 and Figure 3The positions of the first area, second area, and functional area, as well as the content within the functional area, are shown in this example only. In actual applications, the positions or formats of the first area, second area, and functional area on the display page can be set according to actual needs. For example, the functional area can be placed at the top of the display page, and the second area (pop-up window) can be placed at the bottom of the display page, or the payment code can be displayed as a pop-up window. Regarding the content of the functional area, besides… Figure 2 and Figure 3 The function buttons shown can also be in the form of no fixed buttons. Users can input operation commands through set touch methods, such as long press or swipe. For example, after confirming that the merchant code has been scanned, the user can input operation commands by continuously pressing the function area. The payment terminal continuously monitors the trigger signal of the function area, and after determining that the pressing duration has reached a preset threshold, it controls the first area to pop up a floating window to display the payment code. Alternatively, the user can also input operation commands by swiping in the function area in a set direction. The payment terminal monitors the touch signal of the function area, determines the swiping direction based on the coordinates of the starting and ending touch points in the function area, and if the determined swiping direction is the same as the set direction, the payment terminal controls the first area to pop up a floating window to display the payment code.

[0071] According to the above embodiments, during the payment process, the corresponding associated merchant information is determined based on the payment environment information corresponding to the payment terminal, and the merchant code is displayed through the payment terminal. After the merchant code is scanned, the payment code is automatically switched for display. This achieves automatic switching between the merchant code and the payment code during the payment process without requiring the user to switch applications, thereby simplifying the user's payment operation and improving payment efficiency and user experience.

[0072] Based on the inventive concept of the above payment method, embodiments of the present invention also provide a payment terminal, such as... Figure 4 As shown, the payment terminal 400 includes a payment environment information acquisition module 401, a merchant information determination module 402, and a display module 403; wherein,

[0073] The payment environment information acquisition module is configured to: in response to a user-triggered payment operation, acquire the payment environment information corresponding to the payment terminal;

[0074] The merchant information determination module 402 is configured to: determine the associated merchant information corresponding to the payment terminal based on the payment environment information;

[0075] The display module 403 is configured to: display the merchant code corresponding to the associated merchant information on the display page; and in response to the scanning operation of the merchant code, switch the merchant code on the display page to a payment code so that payment can be made based on the payment code.

[0076] In one embodiment of the present invention, the payment environment information includes: the real-time location of the payment terminal, the network information corresponding to the payment terminal, the usage records corresponding to multiple registered merchant information, and popular merchant information; the merchant information determination module 402 is configured to: determine the target merchant corresponding to the real-time location based on the pre-registered multiple registered merchant information, wherein the distance between the location of the target merchant and the real-time location is less than a preset distance threshold; determine the number of payments made by the payment terminal to the target merchant based on the usage records; determine the network connection status between the payment terminal and the target merchant based on the network information; and determine the associated merchant information from the registered merchant information corresponding to the target merchant based on the number of payments, the network connection status, and whether the target merchant is a popular merchant.

[0077] In one embodiment of the present invention, the payment terminal stores multiple registered merchant information, and the associated merchant information is determined by the payment terminal from the multiple registered merchant information based on the payment environment information; or, the payment backend corresponding to the payment terminal stores multiple registered merchant information, and the associated merchant information is determined by the payment backend from the multiple registered merchant information based on the payment environment information and sent to the payment terminal.

[0078] In one embodiment of the present invention, the display module 403 is configured to: display the merchant code in a first area of ​​the display page; and, in response to the scanning result of the merchant code, pop up a floating window in the first area to display the payment code through the floating window.

[0079] In one embodiment of the present invention, the display module 403 is configured to: display switching prompt information in the second area of ​​the display page; and display a payment code in the first area in response to the user's confirmation operation on the switching prompt information.

[0080] In one embodiment of the present invention, the display page further includes: a functional area; the display module 403 is configured to: respond to an operation command input by the user in the functional area, pop up a floating window in the first area according to the operation command, the operation command being input by the user after the scanning operation.

[0081] According to the above embodiments, during the payment process, the corresponding associated merchant information is determined based on the payment environment information corresponding to the payment terminal, and the merchant code is displayed through the payment terminal. After the merchant code is scanned, the payment code is automatically switched for display. This achieves automatic switching between the merchant code and the payment code during the payment process without requiring the user to switch applications, thereby simplifying the user's payment operation and improving payment efficiency and user experience.

[0082] Based on the same inventive concept as the aforementioned payment methods and payment terminals, embodiments of the present invention also provide a payment system 500, such as... Figure 5 As shown, the payment system 500 includes a payment terminal 400 and a payment backend 501 provided in any of the above embodiments; wherein,

[0083] The payment terminal 400 is configured to: respond to a user-triggered payment operation, obtain and send payment environment information to the payment backend;

[0084] The payment backend 501 is configured to: determine the associated merchant information corresponding to the payment terminal 400 based on the payment environment information, and send the associated merchant information to the payment terminal 400;

[0085] The payment terminal 400 is also configured to: display the merchant code corresponding to the associated merchant information on the display page; and in response to the scanning operation of the merchant code, switch the merchant code on the display page to a payment code so as to make payment based on the payment code.

[0086] In one embodiment of the present invention, the payment system 500 further includes: a merchant backend 502; wherein, the merchant backend 502 is configured to: receive the scanning result of the merchant code sent by the scanning terminal, and send the scanning result to the payment backend 501;

[0087] The payment backend 501 is configured to: send the scan results to the payment terminal 400, or generate a switching prompt message based on the scan results and send the switching prompt message to the payment terminal 400.

[0088] The following describes a method for making payments using the payment system provided in this invention through several specific embodiments.

[0089] Example 1

[0090] This embodiment uses the example of the payment backend determining the associated merchant information and the payment terminal automatically switching between the merchant code and the payment code to illustrate the method of making payments using the payment system provided in this embodiment of the invention. Figure 6 As shown, this payment method mainly includes the following steps:

[0091] Step S601: The payment terminal obtains the payment operation.

[0092] Step S602: The payment terminal obtains the corresponding real-time location and network information, and sends the real-time location and network information to the payment backend.

[0093] Step S603: The payment backend determines the associated merchant information of the payment terminal based on the real-time location, network information, usage records corresponding to multiple pre-stored registered merchant information, and popular merchant information.

[0094] Step S604: The payment backend sends the associated merchant information to the payment terminal.

[0095] Step S605: The payment terminal displays the merchant code corresponding to the associated merchant information on the display page.

[0096] In this step, before displaying the merchant code, the payment terminal can first generate and display a display prompt message about the merchant code, allowing the user to confirm whether the merchant code needs to be displayed based on the display prompt message. If the user confirms, the merchant code is displayed. If the user cancels, the payment code can be displayed directly on the display page.

[0097] Step S606: The merchant scanning terminal scans the merchant code and sends the scanning result to the merchant backend.

[0098] Merchant scanning terminals can be barcode scanners or barcode guns, and they are generally equipped with a display screen to show user information and payment details.

[0099] Step S607: The merchant backend generates a payment bill based on the scanning result of the merchant code, returns the payment bill to the merchant scanning terminal, and sends the scanning result of the merchant code to the payment backend.

[0100] It should be understood that the merchant backend can determine the corresponding discount information based on the merchant code scanning results, such as the discounted price corresponding to the merchant's membership status or the price reduction corresponding to the merchant coupon. Therefore, the price in the payment bill generated by the merchant backend is the discounted price, thus preventing users from missing out on discounts. After the merchant backend returns the payment bill to the merchant scanning terminal, the merchant scanning terminal can inform the user of the payment amount through voice prompts, or the merchant's staff can see the payment bill on the display screen and then inform the user of the payment amount.

[0101] Step S608: The payment backend sends the scan results to the payment terminal.

[0102] Step S609: Based on the scanning results, the payment terminal will switch the merchant code on the display page to the payment code.

[0103] Step S610: The merchant scanning terminal scans the payment code according to the payment bill and sends the scanning result of the payment code to the merchant backend.

[0104] Step S611: The merchant backend sends the scanning result of the payment code to the payment backend to complete the payment.

[0105] Example 2

[0106] This embodiment still uses the example of the payment backend determining the associated merchant information and the payment terminal automatically switching between the merchant code and the payment code. The main difference from Embodiment 1 is that the switching of the payment code is combined with the payment invoice to avoid errors in the received amount and improve payment security. Figure 7 As shown, the payment method provided in this embodiment mainly includes the following steps:

[0107] Step S701: The payment terminal obtains the payment operation.

[0108] Step S702: The payment terminal obtains the corresponding real-time location and network information, and sends the real-time location and network information to the payment backend.

[0109] Step S703: The payment backend determines the associated merchant information of the payment terminal based on the real-time location, network information, usage records corresponding to multiple pre-stored registered merchant information, and popular merchant information.

[0110] Step S704: The payment backend sends the associated merchant information to the payment terminal.

[0111] Step S705: The payment terminal displays the merchant code corresponding to the associated merchant information on the display page.

[0112] Step S706: The merchant scanning terminal scans the merchant code and sends the scanning result to the merchant backend.

[0113] Merchant scanning terminals can be barcode scanners or barcode guns, and they are generally equipped with a display screen to show merchant member information and payment bills.

[0114] Step S707: The merchant backend generates a payment bill based on the scanning result of the merchant code and returns the payment bill to the merchant scanning terminal, and sends the scanning result of the merchant code and the payment bill to the payment backend.

[0115] It should be understood that the merchant backend can determine the corresponding discount information based on the merchant code scanning results, such as the discounted price corresponding to the merchant's membership status or the price reduction corresponding to the merchant coupon. Therefore, the price in the payment bill generated by the merchant backend is the discounted price, thus preventing users from missing out on discounts. After the merchant backend returns the payment bill to the merchant scanning terminal, the merchant scanning terminal can inform the user of the payment amount through voice prompts, or the merchant's staff can see the payment bill on the display screen and then inform the user of the payment amount.

[0116] Step S708: The payment backend sends the scanning results of the payment bill and merchant code to the payment terminal.

[0117] Step S709: After receiving the scan result, the payment terminal generates a payment code based on the payment bill and displays the payment code in the first area of ​​the display page through a floating window to switch the merchant code to the payment code.

[0118] Step S710: The merchant scanning terminal scans the payment code based on the payment bill and sends the scanning result of the payment code to the merchant backend.

[0119] Step S711: The merchant backend obtains the bill information in the payment code based on the scanning result of the payment code, and verifies whether the payment amount corresponding to the bill information is consistent with the payment amount corresponding to the payment bill. If they are consistent, proceed to step S712; otherwise, proceed to step S713.

[0120] Step S712: The merchant backend confirms successful scanning and notifies the payment backend of successful payment.

[0121] Step S713: The merchant backend confirms the scanning failure and notifies the payment backend of the payment failure.

[0122] Example 3

[0123] This embodiment uses the example of a payment terminal determining associated merchant information and switching between the merchant code and payment code after receiving confirmation from the user to illustrate a method for making payments using the payment system provided in this embodiment of the invention. Figure 8 As shown, this payment method mainly includes the following steps:

[0124] Step S801: The payment terminal obtains the payment operation.

[0125] Step S802: The payment terminal obtains the corresponding real-time location and network information.

[0126] Step S803: The payment terminal determines the associated merchant information corresponding to the payment terminal based on real-time location, network information, usage records corresponding to multiple pre-stored registered merchant information, and popular merchant information.

[0127] Step S804: The payment terminal displays the merchant code corresponding to the associated merchant information on the display page.

[0128] In this step, before displaying the merchant code, the payment terminal can first generate and display a display prompt message about the merchant code, allowing the user to confirm whether the merchant code needs to be displayed based on the display prompt message. If the user confirms, the merchant code is displayed. If the user cancels, the payment code can be displayed directly on the display page.

[0129] Step S805: The merchant scanning terminal scans the merchant code and sends the scanning result to the merchant backend.

[0130] Merchant scanning terminals can be barcode scanners or barcode guns, and they are generally equipped with a display screen to show user information and payment details.

[0131] Step S806: The merchant backend generates a payment bill based on the scanning result of the merchant code, returns the payment bill to the merchant scanning terminal, and sends the scanning result of the merchant code to the payment backend.

[0132] It should be understood that the merchant backend can determine the corresponding discount information based on the merchant code scanning results, such as the discounted price corresponding to the merchant's membership status or the price reduction corresponding to the merchant coupon. Therefore, the price in the payment bill generated by the merchant backend is the discounted price, thus preventing users from missing out on discounts. After the merchant backend returns the payment bill to the merchant scanning terminal, the merchant scanning terminal can inform the user of the payment amount through voice prompts, or the merchant's staff can see the payment bill on the display screen and then inform the user of the payment amount.

[0133] Step S807: The payment backend generates a switching prompt message based on the scanning results and sends the switching prompt message to the payment terminal.

[0134] Step S808: The payment terminal displays a switching prompt message on the display page.

[0135] Step S809: The payment terminal receives a confirmation message for the switching prompt and displays the payment code in the first area to switch the merchant code to the payment code.

[0136] Step S810: The merchant scanning terminal scans the payment code according to the payment bill and sends the scanning result of the payment code to the merchant backend.

[0137] Step S811: The merchant backend sends the scanning result of the payment code to the payment backend to complete the payment.

[0138] Example 4

[0139] This embodiment uses the example of the payment backend determining the associated merchant information and switching the merchant code and payment code after receiving the user's operation instruction to illustrate the method of making payments using the payment system provided in this embodiment of the invention. Figure 9 As shown, this payment method mainly includes the following steps:

[0140] Step S901: The payment terminal obtains the payment operation.

[0141] Step S902: The payment terminal obtains the corresponding real-time location and network information, and sends the real-time location and network information to the payment backend.

[0142] Step S903: The payment backend determines the associated merchant information of the payment terminal based on real-time location, network information, usage records corresponding to multiple pre-stored registered merchant information, and popular merchant information.

[0143] Step S904: The payment backend sends the associated merchant information to the payment terminal.

[0144] Step S905: The payment terminal displays the merchant code corresponding to the associated merchant information on the display page.

[0145] In this step, before displaying the merchant code, the payment terminal can first generate and display a display prompt message about the merchant code, allowing the user to confirm whether the merchant code needs to be displayed based on the display prompt message. If the user confirms, the merchant code is displayed. If the user cancels, the payment code can be displayed directly on the display page.

[0146] Step S906: The merchant scanning terminal scans the merchant code and sends the scanning result to the merchant backend.

[0147] Merchant scanning terminals can be barcode scanners or barcode guns, and they are generally equipped with a display screen to show user information and payment details.

[0148] Step S907: The merchant backend generates a payment bill based on the scanning result of the merchant code, returns the payment bill to the merchant scanning terminal, and sends the scanning result of the merchant code to the payment backend.

[0149] It should be understood that the merchant backend can determine the corresponding discount information based on the merchant code scanning results, such as the discounted price corresponding to the merchant's membership status or the price reduction corresponding to the merchant coupon. Therefore, the price in the payment bill generated by the merchant backend is the discounted price, thus preventing users from missing out on discounts. After the merchant backend returns the payment bill to the merchant scanning terminal, the merchant scanning terminal can inform the user of the payment amount through voice prompts, or the merchant's staff can see the payment bill on the display screen and then inform the user of the payment amount.

[0150] Step S908: The payment backend sends the scan results to the payment terminal.

[0151] Step S909: The payment terminal monitors the operation instructions in the function area based on the scanning results. If an operation instruction is detected, the merchant code on the display page will be switched to a payment code.

[0152] Step S910: The merchant scanning terminal scans the payment code based on the payment bill and sends the scanning result of the payment code to the merchant backend.

[0153] Step S911: The merchant backend sends the scanning result of the payment code to the payment backend to complete the payment.

[0154] According to the above embodiments, during the payment process, the corresponding associated merchant information is determined based on the payment environment information corresponding to the payment terminal, and the merchant code is displayed. After the merchant code is scanned, the payment code is automatically switched for display. This achieves automatic switching between the merchant code and the payment code during the payment process, eliminating the need for users to switch applications and perform operations in different applications, thereby simplifying the user's payment operation and improving payment efficiency and user experience.

[0155] Figure 10An exemplary system architecture 1000 for a payment method or payment system to which embodiments of the present invention can be applied is shown.

[0156] like Figure 10 As shown, the system architecture 1000 may include terminal devices 1001, 1002, and 1003, a network 1004, and servers 1005 and 1006. Network 1004 serves as the medium for providing communication links between terminal devices 1001, 1002, and 1003 and servers 1005 and 1006. Network 1004 may include various connection types, such as wired or wireless communication links or fiber optic cables. Servers 1005 and 1006 may include servers corresponding to the payment backend and servers corresponding to the merchant backend. Users can use terminal devices 1001, 1002, and 1003 to interact with servers 1005 and 1006 through network 1004 to complete payments.

[0157] Various client applications can be installed on terminal devices 1001, 1002, and 1003, such as shopping applications, payment applications, instant messaging tools, and social media platform software. Terminal devices 1001, 1002, and 1003 can be various electronic devices with displays that support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0158] It should be understood that Figure 10 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0159] The following is for reference. Figure 11 It shows a schematic diagram of the structure of a computer system 1100 suitable for implementing a terminal device of the present invention. Figure 11 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0160] like Figure 11 As shown, the computer system 1100 includes a central processing unit (CPU) 1101, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 1102 or programs loaded from storage section 1108 into random access memory (RAM) 1103. The RAM 1103 also stores various programs and data required for the operation of the system 1100. The CPU 1101, ROM 1102, and RAM 1103 are interconnected via a bus 1104. An input / output (I / O) interface 1105 is also connected to the bus 1104.

[0161] The following components are connected to I / O interface 1105: an input section 1106 including a keyboard, mouse, etc.; an output section 1107 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 1108 including a hard disk, etc.; and a communication section 1109 including a network interface card such as a LAN card, modem, etc. The communication section 1109 performs communication processing via a network such as the Internet. A drive 1110 is also connected to I / O interface 1105 as needed. Removable media 1111, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., are installed on drive 1110 as needed so that computer programs read from them can be installed into storage section 1108 as needed.

[0162] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 1109, and / or installed from removable medium 1111. When the computer program is executed by central processing unit (CPU) 1101, it performs the functions defined above in the system of this invention.

[0163] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0164] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0165] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described system can also be housed in a processor, for example, it can be described as: a processor including a payment environment information acquisition module, a merchant information determination module, and a display module. The names of these modules do not necessarily limit the system itself; for example, the display module can also be described as a "module for switching between displaying merchant codes and payment codes".

[0166] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to: in response to a user-triggered payment operation, acquire payment environment information corresponding to the payment terminal; determine associated merchant information corresponding to the payment terminal based on the payment environment information; display the merchant code corresponding to the associated merchant information on a display page; and, in response to the scanning result of the merchant code, switch the merchant code on the display page to a payment code for payment based on the payment code.

[0167] According to the technical solution of this invention, during the payment process, the corresponding associated merchant information is determined based on the payment environment information corresponding to the payment terminal, and the merchant code is displayed. After the merchant code is scanned, the payment code is automatically switched for display. This achieves automatic switching between the merchant code and the payment code during the payment process, eliminating the need for the user to switch applications and perform operations in different applications, thereby simplifying the user's payment operation and improving payment efficiency and user experience.

[0168] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A payment method, characterized in that, Applications in payment terminals include: In response to a user-triggered payment operation, the payment environment information corresponding to the payment terminal is obtained; Based on the payment environment information, determine the associated merchant information corresponding to the payment terminal; The display page shows the merchant code corresponding to the associated merchant information; In response to the scanning operation of the merchant code, the merchant code on the displayed page is switched to a payment code so that payment can be made based on the payment code.

2. The method according to claim 1, characterized in that, The payment environment information includes: the real-time location of the payment terminal, the network information corresponding to the payment terminal, the usage records corresponding to multiple registered merchants, and popular merchant information; The step of determining the associated merchant information corresponding to the payment terminal based on the payment environment information includes: Based on the pre-registered information of multiple registered merchants, a target merchant corresponding to the real-time location is determined, wherein the distance between the location of the target merchant and the real-time location is less than a preset distance threshold; Based on the usage records, determine the number of payments made by the payment terminal to the target merchant; Based on the network information, determine the network connection status between the payment terminal and the target merchant; Based on the number of payments, the network connection status, and whether the target merchant is a popular merchant, the associated merchant information is determined from the registered merchant information corresponding to the target merchant.

3. The method according to claim 2, characterized in that, The payment terminal stores the information of the multiple registered merchants, and the associated merchant information is determined by the payment terminal from the information of the multiple registered merchants based on the payment environment information; or, The payment backend corresponding to the payment terminal stores the information of the multiple registered merchants. The associated merchant information is determined by the payment backend from the multiple registered merchant information based on the payment environment information and sent to the payment terminal.

4. The method according to claim 1, characterized in that, The step of displaying the merchant code corresponding to the associated merchant information on the display page includes: displaying the merchant code through a first area in the display page; The step of switching the merchant code on the displayed page to a payment code includes: popping up a floating window in the first area to display the payment code through the floating window.

5. The method according to claim 4, characterized in that, The step of switching the merchant code on the displayed page to a payment code includes: A switching prompt message is displayed in the second area of ​​the display page; In response to the user's confirmation of the switching prompt, the payment code is displayed in the first area.

6. The method according to claim 4, characterized in that, The display page also includes: a functional area; The step of switching the merchant code on the displayed page to a payment code includes: In response to an operation command input by the user in the functional area, a floating window pops up in the first area according to the operation command, which is input by the user after the scanning operation.

7. A payment terminal, characterized in that, include: The system includes a payment environment information acquisition module, a merchant information determination module, and a display module; among which, The payment environment information acquisition module is configured to: in response to a user-triggered payment operation, acquire the payment environment information corresponding to the payment terminal; The merchant information determination module is configured to: determine the associated merchant information corresponding to the payment terminal based on the payment environment information; The display module is configured to: display the merchant code corresponding to the associated merchant information on the display page; and in response to the scanning operation of the merchant code, switch the merchant code on the display page to a payment code so as to make payment based on the payment code.

8. A payment system, characterized in that, include: The payment terminal and payment backend as described in claim 7; wherein, The payment terminal is configured to: in response to a payment operation triggered by a user, acquire and send payment environment information to the payment backend; The payment backend is configured to: determine the associated merchant information corresponding to the payment terminal based on the payment environment information, and send the associated merchant information to the payment terminal; The payment terminal is further configured to: display the merchant code corresponding to the associated merchant information on the display page; and in response to the scanning operation of the merchant code, switch the merchant code on the display page to a payment code so as to make payment based on the payment code.

9. The payment system according to claim 8, characterized in that, Also includes: Merchant backend; among which, The merchant backend is configured to receive the scanning result of the merchant code sent by the scanning terminal and send the scanning result to the payment backend; The payment backend is configured to: send the scan result to the payment terminal; or, generate a switching prompt message based on the scan result and send the switching prompt message to the payment terminal.

10. An electronic device for payment, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the payment method as described in any one of claims 1-6.

11. A computer-readable storage medium, wherein when instructions in the computer-readable storage medium are executed by a processor of a server processing a request, the server processing the request is enabled to perform the payment method as described in any one of claims 1-6.

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