Method and system for performing a payment for financial product operation through a payment for financial product general label

Abstract

The application is a method and system for payment and financial management operation through a payment and financial management general label applied by a mobile phone. A payment and financial management general label is arranged in the central position or middle area of the label column of the mobile phone application, and three label window names of "payment navigation, passive code scanning payment, and active code scanning payment" are displayed by default. Successive clicking of the payment and financial management general label will sequentially and circularly switch and display the three label windows of "payment navigation, passive code scanning payment, and active code scanning payment"; long pressing of the payment and financial management general label will switch and display a "financial management navigation" label window. In the "payment navigation" label window, in addition to the display of the numerous interactive elements in the traditional "payment" label window or channel window, other various categories of related interactive elements such as "shopping, group purchase, and applet" can also be displayed, so as to provide the mobile phone user with a more easy-to-use, efficient, reasonable, and perfect payment and financial management interactive experience.

Description

Technical Field

[0001] This invention relates to the field of human-computer interaction technology for mobile phones, and in particular to a method and system for performing payment and financial management operations through a general tag for payment and financial management in a mobile application. Background Technology

[0002] Currently, most offline mobile payment transactions are conducted through two main interactive methods: First, clicking the corresponding "Pay / Receive" or "Scan" button within the mobile application window; second, clicking the corresponding desktop icon (e.g., "Pay / Receive" or "Scan") on the phone's home screen. When the user is in the default mobile payment application window, clicking the "Pay / Receive" or "Scan" button within the application is the optimal choice. When the user is not in the mobile payment application window, clicking the "Pay / Receive" or "Scan" icon on the home screen or the negative one screen is the best option.

[0003] Currently, the "Receive / Pay" or "Scan" buttons in mobile payment applications are usually located in a tab window, which is cumbersome and inefficient. They are generally located at the top of the screen, making them difficult to click with one hand. The design concept and interaction method are primitive and outdated, which is unreasonable and imperfect. They must be thoroughly improved and optimized to enhance the interactive experience of offline mobile QR code payments.

[0004] Mobile payment is a very broad technological concept. Besides major offline mobile QR code payments like "receive and pay" and "scan," numerous mobile functions and services, such as mobile phone top-ups, utility bill payments, mobile food ordering, mobile ticketing, and mobile ride-hailing, also fall under the category of mobile payment services. For example, Alipay's "Home" tab, WeChat's "Services" channel, and Douyin's "My Wallet" channel are all sub-windows for mobile payment functions. However, apart from Alipay, a dedicated mobile payment and financial management application, other mobile applications offering mobile payment functions and services suffer from cumbersome switching between payment channel windows, low efficiency, inconsistent user interfaces, and outdated design concepts and interaction methods. These shortcomings are unreasonable and imperfect, requiring thorough improvement and optimization to enhance the overall user experience of mobile payments.

[0005] With economic development and social progress, more and more users are managing their finances through mobile phones. Mobile payment and mobile financial management are closely related, two sides of the same coin. Currently, apart from Alipay, a professional mobile payment and financial management application, the mobile financial management functions and services provided by other applications such as WeChat and Douyin are very rudimentary and basic, far from meeting the standards of professional financial management. The design concepts and interaction methods of mobile financial management are primitive and outdated, unreasonable and imperfect, and must be thoroughly improved and optimized to enhance the overall interactive experience of mobile financial management.

[0006] Based on the Chinese invention patent "Method and System for Switching Display Tab Windows via Repeated Tag Bar in Mobile Application" (patent application number: 2026109705208), this invention provides a default payment and financial management tab in the repeated tab bar of a mobile application. This allows for easy, efficient, natural, and intuitive switching between four corresponding tab windows: "Payment Navigation," "Receive / Pay," "Scan," and "Financial Management Navigation." This fundamentally changes the design concept of mobile payment and financial management, significantly improves the interactive experience of mobile payment and financial management, completely solves several technical problems currently existing in mobile payment and financial management, and becomes a unified technical standard applicable to most countries and regions worldwide. Summary of the Invention

[0007] In order to improve the many design flaws of mobile payment and wealth management, and to optimize the design concept and interactive experience of mobile payment and wealth management, this invention provides a method and system for performing payment and wealth management operations through general payment and wealth management tags in mobile applications.

[0008] By default, the mobile app displays one general payment and financial management tab in the center or middle area of ​​the tab bar.

[0009] In the mobile app's multitasking tab bar, repeatedly clicking the "General Payment and Financial Management Tab" will cycle through and display three default tab windows: one payment navigation tab window, one passive QR code payment tab window, and one active QR code payment tab window.

[0010] The "General Payment and Financial Management Tabs" in the mobile application's tab bar will display the names of three tab windows by default: one for payment navigation, one for passive QR code payment, and one for active QR code payment.

[0011] In Chinese mobile applications, the default names of the payment navigation tabs can be Chinese names such as "Home," "Payment," "Discover," "Services," "Wallet," or "Mall." The default name of the passive QR code payment tab is "Receive / Pay," which is a de facto unified Chinese name. The default name of the active QR code payment tab is "Scan," which is a de facto unified Chinese name, but it can also be any other suitable Chinese name.

[0012] In the tab bar of English mobile applications worldwide, the default name of the payment navigation tab can be "Home", "Alipay", "Wallet", "Shop", "Discover", "Fortune", etc.; the default name of the passive QR code payment tab is "Pay", which is a de facto unified English name; and the default name of the active QR code payment tab is "Scan", which is a de facto unified English name, but it can also be any other suitable English name.

[0013] In the mobile app's multitasking tab bar, long-pressing the "General Payment and Financial Management Tab" will automatically switch to displaying one financial management navigation tab window.

[0014] In the tab bar of a mobile app, if each tab only displays one tab window name or one tab window icon, clicking or long-pressing a general tab related to payment and financial management will by default display a tap-to-tab prompt string at the bottom of the tab bar.

[0015] After clicking or long-pressing the general payment and financial management tab, a tap prompt string will be displayed above the tab bar.

[0016] In the "Payment Navigation" tab window corresponding to the general tabs for payment and financial management, in addition to displaying many interactive elements in the traditional "Payment" tab window or channel window, it can also display other interactive elements such as "Shopping, Group Buying, and Mini Programs".

[0017] Based on the default settings of the mobile application, mobile users can customize various settings for the payment and financial management tabs in the tab bar. These mainly include options such as the number of tab window names, the content of the tab window names, the number of tab windows to be displayed, the order in which tab windows are displayed, the correspondence between click or long press actions and tab window display, and whether to display the clicked tab prompt string, among others.

[0018] A system for performing payment and wealth management operations using a general payment and wealth management label includes at least a general payment and wealth management label display module and a general payment and wealth management label processing module; The payment and financial management general label display module displays one general label for payment and financial management in the multi-tap label bar of the mobile application. By default, it displays three corresponding label window names: "Payment Navigation", "Passive QR Code Payment", and "Active QR Code Payment". Alternatively, a corresponding click label prompt string can be displayed at the bottom of the multi-tap label bar, and another corresponding click label prompt string can be displayed above the multi-tap label bar. Once the payment and wealth management general label processing module intercepts a click or long press action on the payment and wealth management general label, it will switch to display the corresponding label window such as "Payment Navigation", "Passive QR Code Payment", "Active QR Code Payment" or "Wealth Management Navigation".

[0019] The universal payment and financial management label described in this invention not only fundamentally changes the design concept and interactive experience of performing payment and financial management operations in mobile application windows, but also represents an optimal technical solution for mobile payment and financial management within mobile application windows. Attached Figure Description

[0020] Figure 1 WeChat's multitasking tab bar offers five tabs, among which "Discover" is a general tab for payment and financial management.

[0021] Figure 2 WeChat's multitasking tab bar offers four tabs, among which "Discover" is a general tab for payment and financial management.

[0022] Figure 3 The "General Tag for Payment and Financial Management" on WeChat is also a WeChat "Mini Program" tag.

[0023] Figure 4 The WeChat payment navigation tab window displays the "Recently Used" and "Frequently Used" mini-program sections.

[0024] Figure 5 The Alipay payment and financial management general tabs and the first type of payment navigation tab window.

[0025] Figure 6 The Alipay payment and financial management general tab and the second type of payment navigation tab window.

[0026] Figure 7 The payment and financial management general tags and the first type of payment navigation tag window on Douyin.

[0027] Figure 8 The general payment and financial management tabs and the second type of payment navigation tab window on Douyin.

[0028] Figure 9 The payment and financial management tabs of the X social app display a tap-to-tab prompt string at the bottom of the tab bar. Detailed Implementation

[0029] To better understand the technical content of this invention, the invention will be further described below with reference to the accompanying drawings.

[0030] Example 1: Set a general tab for payment and financial management to be displayed in the tab bar of the mobile application.

[0031] In mobile applications, tap the tab bar to display a "General Payment & Finance Tab" in the center or middle area.

[0032] For example: see Figure 1 , Figure 2 In WeChat's combo tab bar, by default, a general tab for payment and financial management is displayed to the right of the tab in the center position.

[0033] For example: see Figure 5 , Figure 6 In Alipay's combo tab bar, a general tab for payment and financial management is displayed by default in the center.

[0034] For example: see Figure 7 , Figure 8 In the Douyin (TikTok) tag bar, by default, a general tag for payment and financial management is displayed to the left of the tag in the center position.

[0035] For various reasons, the vast majority of mobile applications cannot provide users with a unified and comprehensive payment and financial management service. In China, only a very few mobile applications, such as Alipay, WeChat, Douyin, Meituan, and JD.com, can provide users with a unified and comprehensive payment and financial management service, and only they will display a general payment and financial management tab in their app's multi-click menu.

[0036] Example 2: Click the general tabs for payment and financial management continuously to cycle through and display the three corresponding tab windows.

[0037] Currently, in the traditional tab bar of mobile applications, clicking the traditional "Payment" tab will switch to displaying a corresponding traditional "Payment" tab window. For example, in Alipay's traditional tab bar, clicking the "Home" tab will switch to displaying the "Home" tab window, which is also a traditional "Payment" tab window.

[0038] In the future, by repeatedly clicking the "General Payment and Financial Management Tab" in the tab bar of mobile applications, three default tab windows will be displayed in a loop: one payment navigation tab window, one passive QR code payment tab window, and one active QR code payment tab window.

[0039] For example: see Figure 5In Alipay's multi-tap tab bar, the first click on the "Home" tab will switch to displaying the "Home" tab window; the second click will switch to displaying the "Pay / Receive" tab window; the third click will switch to displaying the "Scan" tab window; and so on, the fourth, fifth, and sixth clicks will cycle through the three tab windows in sequence. In the Alipay app, the "Home" tab window is a payment navigation tab window, the "Pay / Receive" tab window is a passive QR code payment tab window, and the "Scan" tab window is an active QR code payment tab window.

[0040] For example: see Figure 1 In WeChat's multi-tap tab bar, the first tap of the "Discover" tab will switch to displaying the "Discover" tab window; the second tap will switch to displaying the "Payments" tab window; the third tap will switch to displaying the "Scan" tab window; and subsequent taps of the "Discover" tab will cycle through the three tab windows in sequence. In the WeChat application, the "Discover" tab window is essentially a payment navigation tab window, the "Payments" tab window is a passive QR code payment tab window, and the "Scan" tab window is an active QR code payment tab window.

[0041] For example, in TikTok's multi-tap tab bar, the first click on the "Shop" tab will switch between displaying the "Shop" tab window; the second click will switch to the "Pay" tab window; the third click will switch to the "Scan" tab window; and subsequent clicks on the "Shop" tab will cycle through the three tab windows in sequence. In the TikTok app, the "Shop" tab window is a payment navigation tab window, the "Pay" tab window is a passive QR code payment tab window, and the "Scan" tab window is an active QR code payment tab window.

[0042] Example 3: The default display of the payment and financial management general tabs are three tab window names: "Payment", "Receive / Payment", and "Scan".

[0043] Currently, in the traditional tab bar of mobile applications, clicking a tab will switch to displaying a corresponding tab window, so each tab will display a tab window name. In the future, in the multi-tap tab bar of mobile applications, clicking a tab multiple times will cycle through and display about three tab windows, so each tab can display about three tab window names.

[0044] In the mobile app's multitasking tab bar, repeatedly tapping the "General Payment & Finance Tabs" will cycle through three tab windows: one payment navigation tab window, one passive QR code payment tab window, and one active QR code payment tab window. Therefore, the "General Payment & Finance Tabs" in the mobile app's multitasking tab bar will by default display the names of these three tab windows: one payment navigation tab window, one passive QR code payment tab window, and one active QR code payment tab window.

[0045] In Chinese mobile applications, the default names of the payment navigation tabs can be Chinese names such as "Home," "Payment," "Discover," "Services," "Wallet," or "Mall." The default name of the passive QR code payment tab is "Receive / Pay," which is a de facto unified Chinese name. The default name of the active QR code payment tab is "Scan," which is a de facto unified Chinese name, but it can also be any other suitable Chinese name.

[0046] In the tab bar of English mobile applications worldwide, the default name of the payment navigation tab can be "Home", "Alipay", "Wallet", "Shop", "Discover", "Fortune", etc.; the default name of the passive QR code payment tab is "Pay", which is a de facto unified English name; and the default name of the active QR code payment tab is "Scan", which is a de facto unified English name, but it can also be any other suitable English name.

[0047] For example: see Figure 5 The Chinese Alipay payment and financial management tabs default to displaying three Chinese tabs: "Home", "Payment", and "Scan". The English Alipay payment and financial management tabs default to displaying three English tabs: "Home", "Pay", and "Scan".

[0048] For example: see Figure 1 The Chinese version of WeChat displays the default Chinese tabs for payment and financial management: “Discover,” “Pay,” and “Scan.” The English version of WeChat displays the default English tabs for payment and financial management: “Discover,” “Pay,” and “Scan.”

[0049] For example: see Figure 7 The default tabs for payment and financial management on the Chinese version of Douyin are "Mall, Payment, Scan". The default tabs for payment and financial management on the English version of TikTok are "Shop, Pay, Scan".

[0050] Example 4: Long press the general payment and financial management tab to switch to display the corresponding "financial management navigation" tab window.

[0051] In the mobile app's multitasking tab bar, long-pressing the "General Payment and Financial Management Tab" will automatically switch to displaying a "Financial Management Navigation" tab window.

[0052] For example: see Figure 1 In WeChat's multitasking tab bar, clicking the "Discover" tab will cycle through three tab windows: "Discover," "Payments," and "Scan." Long-pressing the "Discover" tab will switch to the "Finance" tab window by default. This achieves the design goal of having a single WeChat "Discover" tab completely replace Alipay, providing WeChat users with complete and professional payment and financial management functions and interactive experience.

[0053] For example: see Figure 7 In Douyin's multitasking tab bar, clicking the "Mall" tab will cycle through three tab windows: "Mall," "Payment," and "Scan." Long-pressing the "Mall" tab will switch to Douyin's "Finance" tab window by default. This achieves the design goal of having a single Douyin "Mall" tab completely replace the Alipay app, providing Douyin users with complete and professional payment and financial management functions and interactive experience.

[0054] For example, as shown in Figure 5, in Alipay's multi-tap tab bar, clicking the "Home" tab will cycle through and display three tab windows: "Home," "Payment," and "Scan." Long-pressing the "Home" tab will switch to displaying the "Finance" tab window by default, thus realizing a single "Home" tab for Alipay and providing Alipay users with a unified and universal payment and financial management function and interactive experience.

[0055] For example, as shown in Figure 6, as a professional mobile payment and financial management application, in order to be compatible with traditional visual experiences and operating habits, Alipay's multi-tap tab bar divides one "General Payment and Financial Management Tab" into one "Payment" general tab and one "Financial Management" professional tab. Therefore, clicking the "Home" tab will cycle through three tab windows: "Home," "Payments," and "Scan." Long-pressing the "Home" tab will default to displaying the "My" tab window. This is a common design where the multi-tap tabs optimize the traditional leftmost and rightmost tabs by replacing the central tab. However, setting the "Financial Management" tab window, which should be switched by long-pressing the "Home" tab, to be switched by a professional "Financial Management" tab of equal importance to the "Home" tab, making the "Payment" and "Financial Management" tabs equally important interactive designs, is a special case of the general payment and financial management tab design concept.

[0056] In the traditional tab bar of a professional mobile payment and wealth management app like Alipay, "Payment" and "Wealth Management" are separate. Users switch between the "Home" tab for all "Payment Navigation" operations and the "Wealth Management" tab for all "Wealth Management Navigation" operations. However, for non-professional payment and wealth management apps like WeChat and Douyin, due to various limitations, providing complete payment and wealth management functions based on a single general payment and wealth management tab requires providing two separate general payment and wealth management tabs ("Payment Navigation" and "Wealth Management Navigation") and two basic QR code payment tabs ("Receive / Pay" and "Scan") under the same tab. The optimal technical solution is to switch between these three tabs by clicking the general payment and wealth management tab, and to switch to the "Wealth Management Navigation" tab by long-pressing the general payment and wealth management tab.

[0057] Example 5: Clicking or long-pressing the general payment and financial management label will display a label click prompt string.

[0058] The payment and financial management general tabs described in this invention default to displaying four tab windows. Therefore, clicking the payment and financial management general tabs in the tab bar should theoretically display four tab window names. However, due to limitations in the available display area of ​​each tab, the irregular length of English words, and constraints imposed by traditional visual experiences and operating habits of tab bars, the mobile application's payment and financial management general tabs in the tab bar can only display a maximum of three tab window names, or even only one tab window name, or even just one tab window icon without displaying the tab window name. This is clearly unreasonable and incomplete.

[0059] In the tab bar of a mobile application, if each tab only displays one tab window name or only one tab window icon, clicking the general tab for payment and financial management will by default display a tap-tab prompt string at the bottom of the tab bar, indicating all the tab window names corresponding to the general tab for payment and financial management.

[0060] For example, in the Chinese mobile app "Douyin", each tab only displays the name of a tab window. After clicking or long-pressing the general tab for payment and financial management, "Mall", a tap prompt string will appear at the bottom of the tab bar: "Clicking 'Mall' repeatedly will cycle through 'Mall Payment and Scan'; long-pressing 'Mall' will switch to 'Financial Management'".

[0061] For example, in the WeChat Chinese mobile application, each tab only displays a tab window icon and name. After clicking or long-pressing the general tab for payment and financial management, "Discover," a tap prompt string will appear at the bottom of the tab bar: "Clicking 'Discover' repeatedly will cycle through 'Discover Payment & Scan,' while long-pressing 'Discover' will switch to 'Financial Management.'"

[0062] For example: see Figure 9 In the multitasking tab bar of the English mobile app "X", each tab only displays a tab window icon. After clicking or long-pressing the general tab for payment and financial management, "Wallet", a tap prompt string will appear below the multitasking tab bar: "[Repeated taps the "Wallet", loop View "Wallet、Pay、Scan", press to View "Fortune"]".

[0063] In the multitasking tab bar of a mobile application, each tab can only display a maximum of 3 tab window names, and cannot display all 4 tab window names, nor can it display the corresponding click or long press method. Therefore, after clicking or long-pressing a general tab related to payment and financial management, a single click tab prompt string will be displayed above the multitasking tab bar.

[0064] For example, in the WeChat Chinese mobile application, each tab bar can only display 3 tab window names. After clicking or long-pressing the general tab "Discover" for payment and financial management, a tap prompt string will be displayed above the tab bar: "Clicking 'Discover' repeatedly will cycle through 'Discover Payment & Scan,' and long-pressing 'Discover' will switch to display 'Financial Management.'"

[0065] For example, in the Chinese mobile app "Douyin", each tab only displays one tab window name. After clicking or long-pressing the general tab for payment and financial management, "Mall", a tap prompt string will be displayed above the tab bar: "[Clicking "Mall" repeatedly will cycle through "Mall Payment and Scan", long-pressing "Discover" will switch to displaying "Financial Management"].

[0066] By displaying a tap-to-label prompt for a general payment and financial management label at the bottom or above the adjacent tab bar, the ease of learning and use of general payment and financial management labels can be fundamentally improved.

[0067] Example 6: Alipay's general payment and financial management tabs and payment navigation tabs window.

[0068] Since its inception, Alipay's homepage has undergone numerous major redesigns and countless minor improvements and optimizations. However, users still have many complaints, criticizing the many unreasonable aspects of the Alipay homepage. For example: only four rows of function buttons are displayed, which is too few; the buttons are positioned too high, making them difficult to click with one hand; there are too many guiding advertisements; the information feed is meaningless and unnecessary; and the design has too many objectives, attempting to be comprehensive.

[0069] Based on the design concept of this invention, the Alipay "Home" tab is a typical general tab for payment and financial management. The Alipay "Home" tab window is a typical payment navigation tab window. It must be redesigned to better meet the payment needs of most users and help Alibaba Group's product integration and strategic transformation.

[0070] Currently, the "Home" tab in Alipay's traditional tab bar is located on the far left, displaying only a single tab icon without a name. Clicking the "Home" tab only switches to the corresponding traditional "Home" tab window; long-pressing the "Home" tab has no effect. (See future updates...) Figure 5 The "Home" tab in Alipay's multi-tap bar will evolve into a universal payment and financial management tab, located in the center of the multi-tap bar. It will not only display a tab icon but also the names of the three corresponding tab windows: "Home," "Payment," and "Scan." Clicking the "Home" tab will cycle through the three Alipay tab windows. Long-pressing the "Home" tab will switch between displaying the "Financial Management" tab window and the "My" tab window.

[0071] See Figure 5 To achieve a compatible design, the top of the Alipay "Home" tab window features, from top to bottom, a search bar, a recent information bar, and four rows of payment function buttons. Following minimalist design principles, the remaining areas of the Alipay "Home" tab window display all the function buttons found on the traditional "Application Center" page. Apart from this, no other interactive elements are displayed in the Alipay "Home" tab window, especially the complete removal of information feeds such as "Recommended" and "Flash Sales." Only in this way can Alipay's "Home" tab window evolve from a traditional mobile application "Home" tab window into a truly universal "Payment Navigation" tab window based on payment and financial management tabs.

[0072] See Figure 6To provide a better interactive experience, the top of the Alipay "Home" tab window features, from top to bottom, a search bar, a recent information bar, and a row of four frequently used payment function buttons; a "Frequently Used" display section with two rows of frequently used function buttons, and a "Recently Used" display section with two rows of recent function buttons; at the bottom, it directly displays multiple sections from the traditional "App Center," such as "Convenience Life," "Shopping & Entertainment," "Financial Management," "Education & Public Welfare," and "Featured Apps," generally requiring one or more swipes to display all of them. Based on this foundation, and through various other technological improvements and optimizations, the Alipay "Home" tab window can continuously iterate and evolve to better meet the ever-changing and growing payment navigation needs and other extended functional requirements of Alipay users.

[0073] According to the design guidelines for general payment and wealth management tabs, long-pressing a general payment and wealth management tab will default to displaying the corresponding "Wealth Management Navigation" tab window. However, Alipay is essentially a payment and wealth management mobile application, providing a professional "Wealth Management" tab with corresponding tab window names such as "Wealth Management," "Stocks," and "Insurance," offering Alipay users a more professional and comprehensive wealth management interactive experience. Therefore, it would be perfectly acceptable to follow the design guidelines for double-tap tabs, long-pressing the "Home" tab in the center to default to displaying the "My" tab window instead of the "Wealth Management" tab window, thus avoiding conflict.

[0074] The demand for online payment arose from the existence of online shopping; Alipay was created to support Taobao; and currently, Alipay's success has surpassed that of Taobao. "E-commerce shopping" has always been the most important payment scenario. Therefore, in essence, online payment and online shopping, or mobile payment and mobile shopping, are integrated and should be combined within the same mobile application to provide users with a reasonable and complete payment and shopping experience. Currently, although Alipay's traditional "Application Center" offers e-commerce shopping mini-programs such as "Taobao, Tmall, and Flash Sales," the cumbersome and inefficient interaction methods and outdated design concepts result in very few users conducting e-commerce shopping operations through these mini-programs within the Alipay application window. This is clearly unreasonable and incomplete. Referring to Figures 5 and 6, this invention can provide a general e-commerce shopping tab in the Alipay tab bar, which displays three tab window names: "Taobao", "Tmall", and "Flash Sale". By continuously clicking the "Taobao" tab, the three tab windows will be displayed in a loop. By long-pressing the "Taobao" tab, the "My Shopping" tab window will be displayed.

[0075] On computers, office suites like Microsoft Office and WPS integrate most office applications, while browsers like IE and Chrome provide most internet access functions and services. However, on mobile phones, clinging to outdated design principles that mobile applications should have limited functionality, Alibaba's e-commerce product lines offer numerous independent mobile applications such as Taobao, Tmall, Flash Sale, Juhuasuan, DianTao, and Cainiao. In the future, almost all Alibaba product lines will be integrated into Alipay. The traffic from Alipay's Taobao, Tmall, Flash Sale, and Xianyu e-commerce shopping services will significantly exceed that of their respective independent mobile applications. This is an inevitable trend and a key to the continued success of Alibaba's e-commerce strategic transformation.

[0076] Example 7 integrates "Douyin Wallet, Douyin Mall, and Douyin Group Buying" into a payment navigation tab window for Douyin.

[0077] Currently, Douyin's "Mall" channel window, like its "Recommended, Live, Following, Group Buying, and Featured" channels, is a standard channel window. In a previous version of Douyin, the tab adjacent to the left side of the center was displayed as "Mall" by default. Now, users can customize the tab to change from the default "Friends" to "Mall." Therefore, considering various factors, evolving the default "Mall" tab to a general payment and financial management tab is the best choice for Douyin's technological evolution and business strategy.

[0078] In the latest version of Douyin, the button adjacent to the left in the center is labeled "Friends" by default, not "Shop." Although it can be customized to "Shop" by long-pressing, it's not the default setting, which is clearly unreasonable and incomplete. The fundamental reason for this design is the lack of a perfect alternative to the "Friends" label. See also... Figure 7 , Figure 8 In the future, based on the new patented "double-tap tab bar," a "Friends" tab window name can be added to the tab in the center or the adjacent right tab. By clicking the central tab or the adjacent right tab, the "Friends" tab window can be switched to be displayed. This fully retains the visual experience and operating habits of switching the "Friends" tab window by clicking the bottom tab bar, and even provides a better interactive experience. It also allows the tab adjacent to the left of the center to be set to "Mall" by default. This is an extremely important technological foundation for Douyin's payment and financial management strategy and e-commerce shopping strategy, and it is also the premise and cornerstone for Douyin to create new glories.

[0079] Currently, Douyin has launched a standalone mobile app, "Douyin Mall." Since Douyin is essentially a short-video live-streaming application, its commercial success primarily lies in "live-streaming e-commerce," or "interest-based e-commerce." "Douyin Mall" mainly targets "traditional e-commerce" platforms like Taobao, JD.com, and Pinduoduo, or "shelf e-commerce." Providing a default "Mall" tag within the Douyin app contradicts the essence of Douyin as a short-video live-streaming application. However, with the inventor's various new mobile application design concepts, the technological trend of mobile applications is towards greater versatility, much like office suites or browser software on computers. Douyin's evolution into a comprehensive super application is inevitable. Providing a default "Mall" tag in the Douyin combo tab as a general tag for payment and financial management, and eliminating the standalone "Douyin Mall" app, is a necessary choice for Douyin's technological evolution and commercial success.

[0080] Currently, the "Mall" tab in Douyin's traditional tab bar is located in the center next to the left, displaying the name of one tab window. Clicking the "Mall" tab only switches to one traditional "Mall" channel window; long-pressing the "Mall" tab does not switch to displaying a corresponding tab window. (See future updates...) Figure 7 , Figure 8 The "Mall" tab in Douyin's multi-tap bar will evolve into a general payment and financial management tab, located by default in the center of the multi-tap bar next to the left. It retains the traditional visual experience and operating habits, displaying not only the original tab window name "Mall" but also two new tab window names "Receive / Pay" and "Scan". By clicking the "Mall" tab multiple times, the three tab windows of Douyin, namely "Mall", "Receive / Pay", and "Scan", will be displayed in a cycle. By long-pressing the "Mall" tab, the "Financial Management" tab window of Douyin will be displayed.

[0081] The user interface and operation mode of the "Payment" and "Scan" tab windows are largely similar across different mobile applications. The "Payment" and "Scan" tab windows displayed by clicking the general "Payment & Finance" tab in Douyin can directly use the existing "Payment" and "Scan" tab window designs, which will not be elaborated upon here. The "Finance" tab window displayed by long-pressing the general "Payment & Finance" tab in Douyin, which is Douyin's "Finance Navigation" tab window, can be designed by referencing Alipay's "Finance" tab window, or a completely new "Finance Navigation" tab window can be designed, which will also not be elaborated upon here.

[0082] Based on the design concept of this invention, Douyin's "Mall" tab is a typical general tab for payment and financial management, and Douyin's "Mall" tab window is a typical payment navigation tab window. It must be redesigned to better meet the payment needs of most users and help ByteDance's product integration and strategic transformation.

[0083] See Figure 7 The Douyin "Mall" tab window, which serves as the payment navigation tab window, mainly consists of three display sections: Douyin Wallet, Douyin Mall, and Douyin Group Buying. Each section displays approximately three or four rows of corresponding function buttons by default.

[0084] Currently, clicking the "Me" tab on Douyin, and then clicking the "My Wallet" button within it, will switch to displaying the "Douyin Wallet" channel window. This is Douyin's traditional payment channel window, similar to Alipay's "Home" tab window or WeChat's "Services" channel window. See also [link to future updates]. Figure 7 In the "Shop" tab window of Douyin, a "Douyin Wallet" display section is shown at the top, featuring three rows of multiple function buttons. These are the same three rows of function buttons that are displayed by default in the middle of the "My Wallet" channel window. Swiping left once in the "Douyin Wallet" display section of the "Shop" tab window will switch the display to the "Douyin Wallet" channel window, which is equivalent to clicking the "My Wallet" function button in the "Me" tab window.

[0085] Currently, clicking the "Mall" channel button at the top of the Douyin app window or swiping left and right within the Douyin app window will switch to displaying the "Mall" channel window. Above it are multiple rows of function buttons, including "My Orders," "Order Reimbursement," "Daily Coupon Draw," "Recharge Center," "Coupons & Red Packets," "Hourly Delivery," "Footprints," "Shopping Messages," "Favorites," and "Review Center." A secondary navigation bar with buttons for channels such as "Recommended," "Food & Beverage," "Personal Care," "Sports," "Men's Clothing," "Department Stores," "Books," and "Digital Products," along with a corresponding default recommended product information stream, is displayed. This is the traditional Douyin Mall channel homepage, comparable to the homepages of e-commerce shopping apps like JD.com, Taobao, and Pinduoduo. (Future development details to follow.) Figure 7 Within the "Mall" tab window of Douyin, below and adjacent to the "Douyin Wallet" display section, there is a "Douyin Mall" display section, which includes three rows of multiple function buttons—the same rows of function buttons displayed above the "Mall" channel window. Swiping left once within the "Douyin Mall" display section of the "Mall" tab window will switch to displaying the "Douyin Mall" channel window, equivalent to clicking the "Mall" channel button in the traditional Douyin navigation bar or switching to the "Mall" channel by swiping left or right within the Douyin application window.

[0086] Currently, clicking the "Group Buying" channel button at the top of the Douyin app window or swiping left and right within the Douyin app window will switch to displaying the "Group Buying" channel window. Above it are multiple rows of function buttons such as "Desserts," "Nail & Contact Lens," etc., along with a secondary navigation bar containing buttons for multiple channels including "Recommended," "Discover," "Food," "Entertainment," and "Travel," and a corresponding default recommended group buying information stream. This is the traditional Douyin group buying channel homepage, comparable to the homepages of group buying or instant retail apps like Meituan, Taobao Flash Sale, and JD.com's instant delivery. (Future developments will follow...) Figure 7 In the "Mall" tab window of Douyin, below the "Douyin Wallet" or "Douyin Mall" display section, there is a "Douyin Group Buying" display section, which includes four rows of multiple function buttons. These are the same four rows of function buttons displayed above the "Group Buying" channel window or the multiple channel buttons in the secondary navigation bar. Swiping left once in the "Douyin Group Buying" display section of the "Mall" tab window will switch to displaying the "Douyin Group Buying" channel window, which is equivalent to clicking the "Group Buying" channel button in the traditional Douyin navigation bar or switching to the "Group Buying" channel by swiping left or right in the Douyin application window.

[0087] See Figure 8 The Douyin "Mall" tab window, which serves as the payment navigation window, mainly consists of three display sections: Douyin Wallet, Douyin Mall, and Douyin Group Buying. Each section displays approximately three or four rows of corresponding function buttons by default. In addition, it can display other related interactive elements, such as adding a recent messages bar to the Douyin Wallet section, or adding a product search box to the Douyin Mall section.

[0088] See Figure 8 Similar to the "Recent Messages" section on the Alipay homepage or the "WeChat Pay" pinned official account in the WeChat window, the "Douyin Wallet" display section on Douyin features a recent messages bar at the top, displaying various payment and financial management information. Next to it, below, are three rows of multiple function buttons, which are the three rows of multiple function buttons that are displayed by default in the middle of the "My Wallet" channel window.

[0089] Douyin's default search prioritizes short videos, livestreamers, and users, rather than products. Therefore, using Douyin's default search for product searches is clearly unreasonable and inadequate. See also Figure 8 Above the "Douyin Mall" display section, a product search box is shown by default, making it easy to click with one hand, more user-friendly and efficient, and significantly improving the Douyin product search experience and increasing the frequency of Douyin Mall searches. Adjacent to the mall search box below it are three rows of multiple function buttons, which are also the three rows of multiple function buttons displayed above the "Mall" channel window.

[0090] The reason why Douyin's payment navigation tab is named "Mall" instead of payment-related names such as "Wallet" or "Payment" is that e-commerce shopping is one of the most important "payment" scenarios. Therefore, in Douyin's "Mall" payment navigation tab window, not only is the "Douyin Wallet" display section displayed, but also the two e-commerce shopping display sections: "Douyin Mall" and "Douyin Group Buying".

[0091] See Figure 7 , Figure 8 This invention is merely an example of improvements and optimizations based on Douyin's current user interface and interaction design. In the future, based on various new design concepts, the payment navigation tab window, wealth management navigation tab window, passive QR code payment tab window, and active QR code payment window corresponding to Douyin's general payment and wealth management tabs will continue to evolve through various technologies, with continuous improvements and optimizations to various technical details to better meet the technical needs of Douyin users. After achieving success on Douyin, it will be widely adopted globally through TikTok, and some technical details can even be simultaneously applied on Douyin and TikTok, providing access to both Chinese and global users.

[0092] Just as Alipay arose because of Taobao, but has since surpassed Taobao, e-commerce shopping is essentially a crucial payment scenario. In the future, just as Alipay will integrate all Alibaba's e-commerce shopping product lines, including Taobao, Tmall, Flash Sales, and Xianyu, the "Payment Navigation" tab on Douyin or TikTok, also known as the "Mall" tab, will integrate all of ByteDance's e-commerce shopping product lines, such as Douyin's "Mall" and "Group Buying," providing Douyin or TikTok users with a more rational, comprehensive, user-friendly, efficient, and unified payment, financial management, and e-commerce shopping experience.

[0093] The reason WeChat Pay has surpassed Alipay in many aspects is fundamentally because WeChat's usage frequency and duration far exceed Alipay's. With the increasing popularity of short videos and live streaming, Douyin's usage frequency and duration have caught up with or even surpassed WeChat's. For the same reason, Douyin Pay will certainly catch up with or even surpass WeChat Pay. The competitive landscape of China's mobile payment and financial management market will inevitably evolve from a two-way battle to a three-way competition.

[0094] With Douyin and TikTok providing unified and comprehensive universal tags for payment and financial management, they will not only completely change the competitive landscape of the two-way battle between Alipay and WeChat Pay in China, and completely change the traditional e-commerce market competition landscape of Taobao, JD.com, and Pinduoduo, but will also change the way payment, financial management, and e-commerce shopping compete globally to some extent, breaking the global competitive landscape of payment, financial management, and e-commerce shopping.

[0095] Example 8: Douyin and TikTok, achieving a unified payment experience in China and globally.

[0096] Currently, there is no globally unified and universally accepted payment method. For example, many foreigners traveling to China generally have to change their original cash or credit card payment methods. Only after trying and getting used to China's mobile phone QR code payment, hailed as one of the new four great inventions, do they truly appreciate its advantages. Furthermore, when Chinese tourists travel abroad, they can only directly use Alipay and WeChat QR code payments in a few countries or regions such as Southeast Asia, Japan, and South Korea. In most other countries and regions, they have to adapt to local customs and use cash, credit cards, mobile NFC, or other payment methods. This is clearly unreasonable and inadequate.

[0097] See Figure 7 , Figure 8 Currently, with the exception of a few countries and regions like India, TikTok is one of the mainstream mobile applications. In the future, if a universal payment and financial management tag is provided on both TikTok and Douyin (TikTok's Chinese version), foreign tourists will only need to make a few simple settings in the TikTok app to complete various payment, financial management, shopping, and other related operations through TikTok during their travels in China without having to download and install Alipay or WeChat. This would fundamentally change the ease of use, convenience, and consistency of payment for foreign tourists in China.

[0098] See Figure 7 , Figure 8 In the future, if a single universal payment and financial management tag is provided on both TikTok and Douyin, Chinese tourists will only need to make minor adjustments to their Douyin app settings. In most countries and regions worldwide that support TikTok's QR code payment, Chinese tourists will be able to use Douyin to complete various payment, financial management, shopping, and other related transactions abroad. Douyin will then replace Alipay and WeChat Pay as the primary payment option for Chinese tourists overseas. Douyin and Chinese tourists will also become a significant driving force for the global adoption of Chinese payment technology standards.

[0099] Example 9: WeChat's "Discover" tab window integrates the traditional Discover tab window and the traditional payment channel window.

[0100] Whether it's the traditional WeChat tab bar of the past or the future WeChat multi-tab tab bar, the "Discover" tab is located in the center adjacent to the right. Considering various factors, the evolution of the "Discover" tab from a traditional tab to a general tab for payment and financial management is the best choice for WeChat's technological evolution and business strategy.

[0101] The "Discover" tab in WeChat's traditional tab bar is located in the center next to the right, displaying only one tab icon and one tab window name. Clicking the "Discover" tab only switches to one traditional "Discover" tab window; long-pressing the "Discover" tab has no effect. See also... Figure 2 The "Discover" tab in WeChat's multitasking tab bar will evolve into a universal tab for payment and financial management. Located in the center of the multitasking tab bar next to the right, it retains the traditional visual experience and operating habits. It not only displays one tab icon but also the names of three tab windows: "Discover," "Payments," and "Scan." Clicking the "Discover" tab will cycle through the three tab windows in WeChat. Long-pressing the "Discover" tab will switch to the "Financial Management" tab window.

[0102] The user interface and operation mode of the "Pay / Receive" and "Scan" tab windows are largely similar across different mobile applications. The "Pay / Receive" and "Scan" tab windows, which are switched by clicking the general WeChat Pay financial management tab, can directly use the existing design and require no further explanation. The "Financial Management" tab window, which is WeChat's "Financial Management Navigation" tab window, can be designed by referencing Alipay's "Financial Management" tab window, or a completely new "Financial Management Navigation" tab window can be designed, which also requires no further explanation.

[0103] In line with Alipay's "Home" tab window, WeChat initially offered a "Payment" channel window, which has now been renamed "Services" or "Pay and Services." Clicking the "Services" menu item in the "Me" tab window switches to the "Services" channel window, which displays 5 sections and over 20 function buttons across 7 rows. The traditional "Discover" tab window follows a minimalist design, displaying 10 menu items by default. The only technical challenge in creating a universal WeChat Pay financial management tab was how to seamlessly integrate the traditional "Discover" tab window and the traditional "Services" channel window into a newly designed WeChat "Payment Navigation" tab window.

[0104] In the payment navigation tab window corresponding to the general financial management tab in WeChat Pay, which is the new "Discover" tab window, not only must 10 menu items be displayed, but also all interactive elements from the traditional "Payment" or "Service" channel window, which is 7 rows and more than 20 function buttons. Mechanically integrating the traditional "Discover" tab window and the traditional "Service" channel window creates the new WeChat Pay navigation tab window, but the drawbacks are very obvious. If the 10 menu items are displayed first, a swipe up action must be performed before the corresponding payment function buttons are displayed, which is obviously unreasonable and imperfect for various payment operations. If the 7 rows and more than 20 function buttons are displayed first, one or more swipes up action must be performed before all 10 menu items are displayed, which is obviously unreasonable and imperfect for various traditional "Discover" operations. This is not a perfect solution.

[0105] See Figure 1 Based on a brand-new patented design for the WeChat multi-tap tab bar, this new tab bar functions as a navigation bar, displaying five tab window names: "Moments," "Discover," "Video Channel," "Live," and "Scan." This is equivalent to directly displaying the five corresponding menu items within the "Discover" tab window. Clicking a tab in the WeChat multi-tap tab bar is the same as clicking any of the five menu items in the "Discover" tab window, switching between the corresponding WeChat function sub-windows for each of these five options. This makes it easier to learn, use, and more efficient. Thanks to the simpler and more efficient alternative operation method, the new "Discover" tab window can remove the display of five menu items: "Moments, Explore, Video Channel, Live, and Scan". Only the remaining five menu items, "Listen, Search, Nearby, Games, and Mini Programs", will be displayed above the "Discover" tab window. In this way, the blank area below can display about three rows of function buttons from the traditional "Services" channel window by default. Then, swiping up will display all seven rows and more than 20 function buttons from the traditional "Services" channel window.

[0106] See Figure 2Based on the new patented design of the WeChat multi-tap tab bar, it is also compatible with traditional visual experience and operating habits. It displays only 4 tabs, but shows 12 tab window names, including "Moments," "Discover," "Video Channel," "Live," and "Scan," effectively displaying the corresponding 5 menu items from the "Discover" tab window directly within the WeChat multi-tap tab bar. Because of this simpler and more efficient alternative operation method, the "Moments," "Discover," "Video Channel," "Live," and "Scan" menu items can be removed from the new "Discover" tab window. Only the remaining 5 menu items—"Listen," "Search," "Nearby," "Games," and "Mini Programs"—are displayed above the "Discover" tab window. This allows the adjacent blank area below to simultaneously display approximately three rows of function buttons from the traditional "Services" channel window. Swiping up reveals all the function buttons from the traditional "Services" channel window.

[0107] Example 10: The "Discover" tab window in WeChat can also integrate the mini-program channel window.

[0108] WeChat's widespread recognition as a super app stems not only from its "Official Accounts" feature but also primarily from its pioneering introduction of "Mini Programs" within the industry. Currently, WeChat Mini Programs offer two main interaction methods: the first is accessing the "Mini Programs" channel window via the "Discover" tab, and the second is displaying a dedicated "Recent Mini Programs" interface through a pull-down gesture within the WeChat tab window. Clearly, both current interaction methods are cumbersome, inefficient, and based on outdated and illogical design principles, making them unreasonable and incomplete.

[0109] Essentially, "Listen," "Search," "Nearby," and "Games" can all be considered mini-programs within the WeChat application. Therefore, the four menu items in the "Discover" tab window—"Listen," "Search," "Nearby," and "Games"—can all be transformed into four mini-program icon buttons. Similarly, all five display sections and the seven rows of over 20 function buttons in the traditional "Services" channel window are essentially five different categories of mini-program display sections. Each mini-program display section will include one or two rows of mini-program function buttons. Therefore, the "Discover" tab window, based on the "Payment Navigation" tab window, will inevitably evolve into a "Mini-Program" tab window that includes numerous mini-program function buttons.

[0110] Currently, clicking the "Mini Programs" menu item in the "Discover" tab window will switch to displaying the "Mini Programs" channel window. From top to bottom, it displays one mini program search box, one row of recently used mini program buttons, two rows of frequently used mini program buttons, and multiple mini program category display sections such as "Government Affairs & Public Services, Transportation, Financial Services, Lifestyle Services, Mini Games, and Short Dramas." Each mini program category display section includes approximately three mini program menu items. See also... Figure 3 The "Discover" tab in WeChat's multi-tap bar will not only evolve into a general tab for payment and financial management, but also into a "Mini Programs" tab. Clicking the "Discover" tab will switch to the displayed "Discover" window, which will also show a mini program search box at the top, a row of recently used mini program icons, and two rows of frequently used mini program icons, to maintain compatibility with the traditional "Mini Programs" channel window. Adjacent to this, below, there will be a row of four "Discover" function buttons: "Listen," "Search," "Nearby," and "Games," replacing and optimizing the four corresponding menu items in the traditional "Discover" tab window. Only at the bottom of the "Discover" tab window will the traditional "Services" channel window's multiple display sections, such as "Financial Management," "Life Services," "Transportation," and "Shopping," appear, with seven rows of over 20 function buttons.

[0111] See Figure 3 , Figure 4 Below the "Discover" tab window, in addition to displaying multiple display sections and over 20 function buttons in 7 rows, several mini-program category display sections from the "Mini Programs" channel window, such as "Government Affairs and Public Services," "Transportation," "Financial Services," "Life Services," "Mini Games," and "Short Dramas," can also be displayed adjacent to the bottom. Each mini-program category display section includes approximately 3 mini-program menu items. In this way, the "Discover" tab window displays all interactive elements from the "Mini Programs" channel window. At the top of the "Discover" tab window, there is a mini-program search box, a row of recently used mini-program buttons, and two rows of frequently used mini-program buttons. At the bottom of the "Discover" tab window, multiple mini-program category display sections are displayed, achieving perfect compatibility between the "Discover" tab window and the "Mini Programs" channel window.

[0112] See Figure 3 , Figure 4 As prompted, swiping left in the "Discover" tab window will switch to the traditional "Mini Programs" channel window; swiping right in the traditional "Mini Programs" channel window will switch to the "Discover" tab window. This method achieves full compatibility between the "Discover" tab window and the "Mini Programs" channel window, better meeting the compatibility needs of WeChat users.

[0113] Example 11: Custom settings for general tags in payment and financial management categories.

[0114] Based on the default settings of the mobile application, mobile users can customize various settings for the payment and financial management tabs in the tab bar. These mainly include options such as the number of tab window names, the content of the tab window names, the number of tab windows to be displayed, the order in which tab windows are displayed, the correspondence between click or long press actions and tab window display, and whether to display the clicked tab prompt string, among others.

[0115] For example, the "General Payment and Financial Management Tab" in the WeChat app's tab bar is displayed to the right of the central tab by default. Through the user's customization settings, it can be moved to the left of the central tab.

[0116] For example, in the Douyin app's multitasking tab bar, the "General Tabs for Payment and Financial Management" by default display three tab window names: "Mall," "Payment," and "Scan." Through user customization, only the "Mall" tab window name can be displayed. However, after clicking or long-pressing the "Mall" tab, a corresponding click prompt will appear at the bottom of the multitasking tab bar [Clicking "Mall" repeatedly will cycle through "Mall," "Payment," and "Scan," while long-pressing "Mall" will switch to displaying "Financial Management"].

[0117] For example, in the Alipay application window, clicking the "Home" tab multiple times will automatically cycle through the three tab windows: "Home," "Payment," and "Scan." Through the mobile user's custom settings, the display order of "Payment" and "Scan" can be swapped. That is, clicking the "Home" tab multiple times will cycle through the three tab windows: "Home," "Scan," and "Payment."

[0118] For example, in the Douyin app window, long-pressing the "Mall" tab will switch to displaying the "Finance" tab window by default; through the user's custom settings, long-pressing the "Mall" tab will switch to displaying the "Ride Code" tab window.

[0119] Example 12: Interactive System for General Tag for Payment and Financial Management A system for performing payment and financial management operations through a general payment and financial management tag in a mobile application includes at least a general payment and financial management tag display module and a general payment and financial management tag processing module.

[0120] The payment and financial management general label display module displays one general label for payment and financial management in the multi-tap label bar of the mobile application. By default, it displays three corresponding label window names: "Payment Navigation", "Passive QR Code Payment", and "Active QR Code Payment". A corresponding click label prompt string can also be displayed at the bottom of the multi-tap label bar; another corresponding click label prompt string can also be displayed above the multi-tap label bar.

[0121] Displaying a general payment and financial management label in the tap bar of a mobile application, along with a corresponding tap prompt string, is similar to displaying a traditional label in the traditional label bar of a mobile application; both are well-known technologies in this field. This invention does not impose any restrictions on the specific implementation of displaying a general payment and financial management label and a tap prompt string in the tap bar of a mobile application.

[0122] Once the payment and wealth management general label processing module intercepts a click or long press action on the payment and wealth management general label, it will switch to display the corresponding label window such as "Payment Navigation", "Passive QR Code Payment", "Active QR Code Payment" or "Wealth Management Navigation".

[0123] Switching between multiple payment and financial management tab windows by clicking or long-pressing a general payment and financial management tab in a mobile application's tab bar is similar to switching between one tab window by clicking a single tab in a traditional tab bar of a mobile application; both are well-known technologies in this field. This invention does not impose any restrictions on the specific implementation method of switching between multiple corresponding payment and financial management tab windows by clicking or long-pressing a payment and financial management experience tab in a mobile application's tab bar.

[0124] After this invention is widely adopted, the competitive landscape of China's mobile payment and wealth management market will evolve from the current duopoly of Alipay and WeChat Pay to a three-way competition among Alipay, WeChat Pay, and Douyin Pay. It is also possible that other mobile applications such as Meituan, JD.com, and Xiaohongshu will emerge as strong contenders, leading to even fiercer competition in China's mobile payment and wealth management market.

[0125] With the deep integration of Douyin Pay and Douyin Shopping, Taobao, Tmall, and Flash Sale, which offer full functionality through tab windows within the Alipay app, will fundamentally change the competitive landscape of China's e-commerce market in stages.

[0126] After TikTok's innovative interactive approach to payment, wealth management, and e-commerce shopping achieved great commercial success, it will inevitably offer the same technological and business models, which will also change the competitive landscape of the global payment, wealth management, and e-commerce shopping markets to some extent.

[0127] In several invention applications to be filed later by the inventor, further technical improvements and optimizations will be made to the tab bar of the mobile application.

Claims

1. This invention is a method for performing payment and financial management operations through a general payment and financial management tab in a mobile application. Its main features are: a general payment and financial management tab is set in the center or middle area of ​​the mobile application's tab bar, which by default displays three tab window names: "Payment Navigation," "Passive QR Code Payment," and "Active QR Code Payment"; continuous clicking of the general payment and financial management tab will sequentially cycle through these three tab windows; long-pressing the general payment and financial management tab will switch to displaying a "Financial Management Navigation" tab window; in the "Payment Navigation" tab window, in addition to displaying numerous interactive elements from the traditional "Payment" tab window or channel window, it can also display other related interactive elements from categories such as "Shopping," "Group Buying," and "Mini Programs." 2. The method for operating a general payment and financial management label in a mobile application as described in claim 1 is characterized in that: by default, one general payment and financial management label is displayed in the center or middle area of ​​the tab bar in the mobile application.

3. The method for operating the general tabs for payment and financial management in mobile applications as described in claim 1 is characterized in that: when the "general tabs for payment and financial management" are clicked multiple times in the tab bar of the mobile application, three default tab windows will be displayed in a loop: one payment navigation tab window, one passive QR code payment tab window, and one active QR code payment tab window.

4. The mobile application payment and financial management general tab operation method as described in claim 1, its main feature is that: the "payment and financial management general tab" in the mobile application's tab bar displays the tab window names corresponding to 3 tab windows by default, including 1 payment navigation tab window name, 1 passive QR code payment tab window name, and 1 active QR code payment tab window name; In Chinese mobile applications, the default names of the payment navigation tabs can be Chinese names such as "Home," "Payment," "Discover," "Services," "Wallet," or "Mall." The default name of the passive QR code payment tab is "Receive and Pay," which is a de facto unified Chinese name. The default name of the active QR code payment tab is "Scan," which is a de facto unified Chinese name, but it can also be any other suitable Chinese name. In the tab bar of English mobile applications worldwide, the default names of the payment navigation tab window can be English names such as "Home", "Alipay", "Wallet", "Shop", "Discover", "Fortune", etc.; the default name of the passive QR code payment tab window is "Pay", which is a de facto unified English name; and the default name of the active QR code payment tab window is "Scan", which is a de facto unified English name, but it can also be any other suitable English name.

5. The method for operating the general tabs for payment and financial management in mobile applications as described in claim 1 is characterized in that: in the tab bar of the mobile application, long-pressing "general tabs for payment and financial management" will automatically switch to displaying a financial management navigation tab window.

6. The method for operating general tags for payment and financial management in mobile applications as described in claim 1 is characterized in that: in the tab bar of the mobile application, if each tag only displays one tag window name or only one tag window icon, after clicking or long-pressing the general tag for payment and financial management, a tag click prompt string will be displayed at the bottom of the tab bar by default. After clicking or long-pressing the general payment and financial management tab, a tap prompt string will be displayed above the tab bar.

7. The mobile application payment and financial management general tab operation method as described in claim 1 is characterized in that: in the "Payment Navigation" tab window corresponding to the payment and financial management general tab, in addition to displaying many interactive elements in the traditional "Payment" tab window or channel window, it can also display other interactive elements of various categories such as "Shopping, Group Buying, Mini Programs".

8. The method for operating general payment and financial management tabs in a mobile application as described in claim 1, characterized in that: based on the default settings of the mobile application, mobile users can perform various custom settings on the general payment and financial management tabs in the tab bar. These mainly include options such as the number of tab window names, the content of the tab window names, the number of tab windows to be switched and displayed, the switching and display order of the tab windows, the corresponding display relationship between click or long-press actions and tab windows, and whether to display a prompt string for clicking the tab.

9. A system for performing payment and wealth management operations using a general payment and wealth management label, characterized in that it includes at least a general payment and wealth management label display module and a general payment and wealth management label processing module; The payment and financial management general label display module displays one payment and financial management general label in the mobile application's multi-tap label bar, which by default displays three corresponding label window names: "Payment Navigation", "Passive QR Code Payment", and "Active QR Code Payment". Alternatively, a corresponding click label prompt string can be displayed at the bottom of the multi-tap label bar, or a corresponding click label prompt string can be displayed above the multi-tap label bar. Once the payment and wealth management general label processing module intercepts a click or long press action on the payment and wealth management general label, it will switch to display the corresponding "Payment Navigation", "Passive QR Code Payment", "Active QR Code Payment" or "Wealth Management Navigation" label window.

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