Method and apparatus for automatically collecting merchant information, device, system, and medium

Abstract

The present application belongs to the field of data processing, and discloses a method and apparatus for automatically collecting merchant information, a device, a system, and a medium. The method comprises: when a test transaction is completed between a user terminal and a target merchant, receiving collection auxiliary information sent by the user terminal, and on the basis of the collection auxiliary information, screening and acquiring transaction information of candidate transactions from a transaction platform, the candidate transactions comprising the test transaction; sending a transaction list to the user terminal, the transaction list comprising the candidate transactions; receiving the test transaction which is determined from among the candidate transactions on the basis of user input and which is fed back by an information collection platform; and on the basis of merchant indication information of the test transaction and a preset merchant map database, obtaining merchant information of the target merchant, the merchant indication information comprising the transaction information, or comprising the transaction information and the collection auxiliary information.

Description

Method, device, equipment, system and medium for automatic collection of merchant information

[0001] Cross-reference to Related Applications

[0002] This application claims priority to Chinese Patent Application No. 202411060021.2, filed on August 2, 2024, entitled “Method, device, equipment, system and medium for automatic collection of merchant information”, the entire contents of which are incorporated herein by reference. TECHNICAL FIELD

[0003] The present application belongs to the field of data processing, and particularly relates to a method, device, equipment, system and medium for automatic collection of merchant information. BACKGROUND

[0004] In order to ensure that the information of the merchant is real information, a patrol personnel needs to go to the merchant site to conduct payment testing and collect merchant information, and manually enter the merchant information into a patrol tool application.

[0005] However, errors may occur in the process of manually entering the merchant information, such as content not meeting the format specification, resulting in low accuracy of the collected merchant information. SUMMARY

[0006] The embodiments of the present application provide a method, device, equipment, system and medium for automatic collection of merchant information, which can improve the accuracy of the collected merchant information.

[0007] In a first aspect, the embodiments of the present application provide a method for automatic collection of merchant information, applied to an information collection platform, the method comprising: receiving collection auxiliary information sent by a user terminal under the condition that the user terminal and a target merchant complete a test transaction, and obtaining transaction information of a candidate transaction from a transaction platform according to the collection auxiliary information, the candidate transaction including the test transaction; sending a transaction list to the user terminal, the transaction list including the candidate transaction; receiving a test transaction determined from the candidate transaction according to the input of the user, fed back by the information collection platform; obtaining merchant information of the target merchant according to merchant indication information of the test transaction and a preset merchant map database, the merchant indication information including the transaction information, or including the transaction information and the collection auxiliary information.

[0008] In a second aspect, the embodiments of the present application provide a method for automatically collecting merchant information, applied to a user terminal, and the method comprises the following steps: in the case that a test transaction is completed between the user terminal and a target merchant, sending collection auxiliary information to an information collection platform, the collection auxiliary information is used to enable the information collection platform to filter and acquire transaction information of candidate transactions from a transaction platform, the candidate transactions include the test transaction; receiving and displaying a transaction list fed back by the information collection platform, the transaction list includes the candidate transactions; feeding back, to the information collection platform, the test transaction determined from the candidate transactions according to an input of a user, so that the information collection platform obtains merchant information of the target merchant according to merchant indication information of the test transaction and a preset merchant map database, the merchant indication information includes the transaction information, or includes the transaction information and the collection auxiliary information.

[0009] In a third aspect, the embodiments of the present application provide a device for automatically collecting merchant information, applied to an information collection platform, and the device comprises the following modules: a receiving module, configured to receive collection auxiliary information sent by a user terminal in the case that a test transaction is completed between the user terminal and a target merchant; a filtering module, configured to filter and acquire transaction information of candidate transactions from a transaction platform according to the collection auxiliary information, the candidate transactions include the test transaction; a sending module, configured to send a transaction list to the user terminal, the transaction list includes the candidate transactions; the receiving module is further configured to receive the test transaction determined from the candidate transactions according to an input of a user and fed back by the information collection platform; and an information acquisition module, configured to obtain merchant information of the target merchant according to merchant indication information of the test transaction and a preset merchant map database, the merchant indication information includes the transaction information, or includes the transaction information and the collection auxiliary information.

[0010] In a fourth aspect, the embodiments of the present application provide a device for automatically collecting merchant information, applied to a user terminal, and the device comprises the following modules: a sending module, configured to send collection auxiliary information to an information collection platform in the case that a test transaction is completed between the user terminal and a target merchant, the collection auxiliary information is used to enable the information collection platform to filter and acquire transaction information of candidate transactions from a transaction platform, the candidate transactions include the test transaction; a receiving module, configured to receive and display a transaction list fed back by the information collection platform, the transaction list includes the candidate transactions; the sending module is further configured to feed back, to the information collection platform, the test transaction determined from the candidate transactions according to an input of a user, so that the information collection platform obtains merchant information of the target merchant according to merchant indication information of the test transaction and a preset merchant map database, the merchant indication information includes the transaction information, or includes the transaction information and the collection auxiliary information.

[0011] In a fifth aspect, the embodiments of the present application provide a user terminal, comprising a processor and a memory storing computer program instructions, and the processor implements the method for automatically collecting merchant information of the first aspect when executing the computer program instructions.

[0012] In a sixth aspect, an embodiment of the present application provides an electronic device, comprising a processor and a memory storing computer program instructions; the processor implements the method for automatically collecting merchant information according to the second aspect when executing the computer program instructions.

[0013] In a seventh aspect, an embodiment of the present application provides a system for automatically collecting merchant information, comprising a user terminal configured to implement the method for automatically collecting merchant information according to the first aspect; and an information collection platform in communication connection with the user terminal and configured to implement the method for automatically collecting merchant information according to the second aspect.

[0014] In an eighth aspect, an embodiment of the present application provides a computer readable storage medium, which stores computer program instructions; the computer program instructions are executed by a processor to implement the method for automatically collecting merchant information according to the first aspect or the method for automatically collecting merchant information according to the second aspect.

[0015] In a ninth aspect, an embodiment of the present application provides a computer program product, comprising a computer program; the computer program is executed by a processor to implement the method for automatically collecting merchant information according to the first aspect or the method for automatically collecting merchant information according to the second aspect.

[0016] The embodiments of the present application provide a method, device, equipment, system and medium for automatically collecting merchant information. The user terminal first completes a test transaction with a target merchant. After the test transaction is completed, the user terminal can send collection auxiliary information to an information collection platform. The information collection platform can acquire candidate transactions including the test transaction from a transaction platform according to the collection auxiliary information, and feed back the candidate transactions to the user terminal, so that the user can confirm the test transaction from the candidate transactions. After the test transaction is determined, the information collection platform extracts merchant information according to transaction information of the test transaction, or according to the transaction information of the test transaction and the collection auxiliary information, and a preset merchant map database. The authenticity and accuracy of the transaction information can be guaranteed, the data authenticity and accuracy in the merchant map database are relatively high, and the process does not need manual information input. The accuracy of the collected merchant information can be improved by extracting information from the transaction information and the merchant map database as the collected merchant information. BRIEF DESCRIPTION OF DRAWINGS

[0017] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings needed to be used in the embodiments of the present application. Those skilled in the art can obtain other drawings according to these drawings without any creative labor.

[0018] FIG. 1 is a schematic diagram of the architecture of a system for automatically collecting merchant information according to an embodiment of the present application;

[0019] Fig. 2 is a schematic diagram of a system architecture for automatic collection of merchant information according to another embodiment of the present application;

[0020] Fig. 3 is a flowchart of a method for automatic collection of merchant information applied to an information collection platform according to an embodiment of the present application;

[0021] Fig. 4 is a schematic diagram of an example of a transaction list displayed on a user terminal according to an embodiment of the present application;

[0022] Fig. 5 is a schematic diagram of an example of a matched merchant list displayed on a user terminal according to an embodiment of the present application;

[0023] Fig. 6 is a flowchart of a method for automatic collection of merchant information applied to a user terminal according to an embodiment of the present application;

[0024] Fig. 7 is a schematic diagram of an example of a process for automatic collection of merchant information in a test transaction scenario based on a payment card according to an embodiment of the present application;

[0025] Fig. 8 is a schematic diagram of an example of a process for automatic collection of merchant information in a test transaction scenario based on an electronic coupon according to an embodiment of the present application;

[0026] Fig. 9 is a schematic diagram of an example of a process for automatic collection of merchant information in a test transaction scenario based on a payment code according to an embodiment of the present application;

[0027] Fig. 10 is a schematic diagram of a structure of an apparatus for automatic collection of merchant information applied to an information collection platform according to an embodiment of the present application;

[0028] Fig. 11 is a schematic diagram of a structure of an apparatus for automatic collection of merchant information applied to a user terminal according to an embodiment of the present application;

[0029] Fig. 12 is a schematic diagram of a structure of a user terminal according to an embodiment of the present application. DETAILED DESCRIPTION

[0030] The features and exemplary embodiments of various aspects of the present application will be described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are intended to explain the present application, but not to limit the present application. The present application can be implemented without some of the specific details described below. The following description of the embodiments is merely provided to give a better understanding of the present application by showing examples of the present application. It should be noted that the acquisition, storage, use, processing, etc. of information and data in the embodiments of the present application are authorized by users or relevant institutions and comply with relevant provisions of national laws and regulations.

[0031] In order to participate in payment, a merchant needs to provide real information of the merchant to prove that the merchant is a legal merchant, so as to ensure the safety of payment. In order to ensure that the information of the merchant is real information, a patrol personnel needs to go to the merchant site to perform payment testing, and collect the information of the merchant, and manually enter the information of the merchant into a patrol tool application. However, in the process of manually entering the information of the merchant, errors may occur, the content does not conform to the format specification, and the like, resulting in low accuracy of the collected information of the merchant, and manual entry of the information of the merchant also results in low entry efficiency.

[0032] The present application provides a merchant information automatic collection method, device, equipment, system, medium and program product. After a user and a merchant perform a test transaction, an information collection platform can obtain the test transaction from a transaction platform, take transaction information of the test transaction as merchant information focusing on transaction, and match information corresponding to the test transaction with a preset merchant map database to obtain merchant information focusing on the merchant itself. In this process, the merchant information does not need to be manually entered by the user, and can be automatically obtained from the high-accuracy transaction information and the merchant map database, thereby improving the accuracy of the merchant information and the collection efficiency of the merchant information.

[0033] For ease of understanding, the system architecture of the merchant information automatic collection method in the embodiments of the present application is described first. FIG. 1 is a schematic diagram of the architecture of a system for merchant information automatic collection provided by an embodiment of the present application. As shown in FIG. 1, the system for merchant information automatic collection can include a user terminal 11 and an information collection platform 12.

[0034] The user terminal 11 can have an application program, a control, or a software development kit (SDK), and the like for implementing merchant information automatic collection. The user terminal 11 can include a general-purpose device such as a smart phone, a tablet computer, a smart bracelet, a smart watch, and the like, or a special-purpose device such as a patrol terminal, and the like, without being limited herein.

[0035] The information collection platform 12 can communicate and interact with the user terminal 11, and can also communicate and interact with a transaction platform 13. The information collection platform 12 can obtain the information of the merchant through the information obtained by interacting with the user terminal 11 and the transaction platform 13, so as to collect and store the information of the merchant. The information collection platform 12 can be implemented by one or more devices, without being limited to the type and number of devices in the information collection platform 12.

[0036] The test transaction between the user terminal 11 and the merchant is implemented through the transaction platform 13. In some examples, the user terminal 11 can communicate with the merchant device 14, and the merchant device 14 can communicate with the transaction background to complete the test transaction. The transaction information of each transaction is recorded in the transaction platform 13. The transaction platform 13 can be implemented through one or more devices, and the type and number of devices in the transaction platform 13 are not limited herein. The merchant device 14 can include, but is not limited to, a point-of-sale (POS) device and the like. The system for automatically collecting merchant information in the embodiments of the present application can further include the transaction platform 13 and / or the merchant device 14.

[0037] In some examples, the test transaction between the user and the merchant can include a transaction using an electronic coupon. FIG. 2 is a schematic diagram of an architecture of a system for automatically collecting merchant information according to another embodiment of the present application. As shown in FIG. 2, during the test transaction between the user and the merchant, the transaction platform 13 can communicate with the coupon platform 15 to implement the electronic coupon verification. The system for automatically collecting merchant information in the embodiments of the present application can further include the coupon platform 15.

[0038] The method, device, equipment, system, medium and program product for automatically collecting merchant information provided by the present application are described below.

[0039] A first aspect of the present application provides a method for automatically collecting merchant information, which can be applied to an information collection platform, that is, the method for automatically collecting merchant information can be executed by the information collection platform. FIG. 3 is a flowchart of a method for automatically collecting merchant information applied to an information collection platform according to an embodiment of the present application. As shown in FIG. 3, the method for automatically collecting merchant information can include steps S201 to S204.

[0040] In step S201, in the case that a test transaction is completed between a user terminal and a target merchant, the collection auxiliary information sent by the user terminal is received, and the transaction information of a candidate transaction is obtained from the transaction platform according to the collection auxiliary information.

[0041] The user in the embodiments of the present application can be an inspection personnel. The inspection personnel can perform a test transaction through a user terminal and a merchant device of a target merchant. The transaction information of the test transaction is transmitted to the transaction platform, and the test transaction is completed by the transaction platform. After the completion of the test transaction, the transaction information of the test transaction is stored in the transaction platform. The test transaction includes a transaction performed for collecting merchant information. The test transaction can include, but is not limited to, a transaction based on a payment card, a transaction based on an electronic coupon, or a transaction based on a payment code, and the specific test transaction can be determined according to the transaction type supported by the target merchant.

[0042] In a case where the user terminal and the target merchant complete the test transaction, the user can start the information collection function of the user terminal, and the user terminal sends the collection auxiliary information to the information collection platform in response to the starting operation of the user. The collection auxiliary information is used to assist the information collection platform in screening transaction information of transactions that are likely to be test transactions from transaction information of numerous transactions in the transaction platform. The information collection platform screens transaction information of candidate transactions from the transaction information of numerous transactions in the transaction platform according to the collection auxiliary information, the candidate transactions include transactions that are likely to be test transactions, and the candidate transactions include the test transaction. The number of candidate transactions can be one or more than two. One of the candidate transactions is the test transaction.

[0043] In some examples, the information collection platform can screen transactions in the transaction platform that meet the collection auxiliary information as candidate transactions, and obtain transaction information of the candidate transactions. Specifically, a screening condition can be obtained according to the collection auxiliary information, and a transaction whose transaction information meets the screening condition is a transaction that meets the collection auxiliary information. The specific type of the collection auxiliary information can correspond to the type of the test transaction, and the collection auxiliary information corresponding to different types of test transactions can be different.

[0044] In a case that the test transaction is a payment card based transaction, the auxiliary information collection includes one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name. The payment card can be a payment card configured for test transaction. The user account is associated with the payment card. The payment card can be determined according to the user account, for example, the payment card identifier of the payment card can be determined according to the user account. The terminal positioning location information is generated by the user terminal after completing the test transaction. The information entry start time is a time when the information entry function is started in response to a user operation after completing the test transaction. The transaction resource amount is a resource amount of the transaction in the test transaction, and the transaction resource amount can be specifically a payment amount. For example, if the auxiliary information collection includes the user account and / or the payment card identifier, the payment card used in the test transaction can be determined, and the information collection platform can filter transactions in which the payment card is the payment card indicated by the auxiliary information collection from the transaction platform as candidate transactions; if the auxiliary information collection includes the terminal positioning location information, the information collection platform can filter transactions in which the transaction location is within a certain distance from the location indicated by the terminal positioning location information from the transaction platform as candidate transactions; if the auxiliary information collection includes the information entry start time, the information collection platform can filter transactions in which the transaction time is within a certain time before the information entry start time from the transaction platform as candidate transactions, for example, if the information entry start time is 19:00:00, transactions from 18:30:00 to 19:00:00 can be filtered from the transaction platform; if the auxiliary information collection includes the transaction resource amount, the user terminal can first give the transaction resource amount before the user and the target merchant perform the test transaction, that is, instruct the user and the target merchant to perform the test transaction of the given transaction resource amount, and after completing the test transaction, the information collection platform can filter transactions in which the transaction resource amount is consistent with the transaction resource amount in the auxiliary information collection from the transaction platform as candidate transactions; if the auxiliary information collection includes the merchant name, the information collection platform can filter transactions in which the similarity between the merchant name and the merchant name in the auxiliary information collection exceeds a preset similarity threshold from the transaction platform as candidate transactions; if the auxiliary information collection includes two or more of the above information, the intersection of transactions that meet each item of information can be taken as candidate transactions.

[0045] In a case where the test transaction is an electronic ticket-based transaction, the auxiliary information collection includes one or more of the following: information entry start time, ticket cancellation information. The specific content of the information entry start time can be referred to the related description in the above embodiments, which will not be repeated here. The ticket cancellation information can include a ticket cancellation result, or include a ticket identifier and a ticket cancellation result. The ticket identifier is used to identify the ticket, and the ticket cancellation result represents whether the ticket is cancelled. In a case where the test transaction is an electronic ticket-based transaction, the user terminal can obtain a special electronic ticket for the test transaction from the ticket platform in advance before the test transaction, and then complete the test transaction by using the obtained electronic ticket. The specific content of filtering the candidate transactions according to the user account and the information entry start time can be referred to the related description in the above embodiments, which will not be repeated here. For example, if the auxiliary information collection includes the ticket cancellation result, the information collection platform can filter the transactions involving electronic tickets from the transaction platform as candidate transactions; if the auxiliary information collection includes two or more of the above information, the intersection of the transactions meeting each item of information can be taken as the candidate transactions.

[0046] In a case where the test transaction is a payment code-based transaction, the auxiliary information collection includes a payment code parameter. The payment code parameter includes information contained in the payment code, such as, but not limited to, an order identifier, a payment resource amount, a timestamp, etc. contained in the payment code. In a case where the test transaction is a payment code-based transaction, the user terminal can first apply for a payment code from the transaction platform, the transaction platform issues a payment code to the user terminal, and the user terminal uses the issued payment code to perform the test transaction. For example, if the auxiliary information collection includes the payment code parameter, the information collection platform can filter the transactions consistent with the payment code parameter from the transaction platform as candidate transactions.

[0047] By filtering the transactions in the transaction platform through the auxiliary information collection, the test transaction can be more accurately identified, and the transaction information of other merchants can be avoided to replace the transaction information of the target merchant.

[0048] In step S202, a transaction list is sent to the user terminal.

[0049] The information collection platform can generate a transaction list according to the candidate transactions, and the transaction list includes the candidate transactions. Specifically, the user terminal can display the transaction list, and the transaction list can show the transaction names and transaction resource amounts of the candidate transactions, etc. to facilitate the user to identify the test transaction. For example, FIG. 4 is a schematic diagram of an example of a user terminal displaying a transaction list according to an embodiment of the present application. As shown in FIG. 4, the transaction list includes candidate transaction 1 and candidate transaction 2, the payment amount of candidate transaction 1 is 0.30 yuan, and the payment time is 2024-06-03 11:29:36, the payment amount of candidate transaction 2 is 0.01 yuan, and the payment time is 2024-06-03 11:29:34. The user can select the test transaction in the transaction list displayed by the user terminal.

[0050] In step S203, the information collection platform feeds back the test transaction determined from the candidate transactions according to the input of the user.

[0051] The user can determine the test transaction from the transaction list through input to the user terminal. After the user determines the test transaction from the transaction list through input, the user terminal can feed back the test transaction determined by the user to the information collection platform. For example, the user terminal can feed back the transaction identification of the test transaction determined by the user to the information collection platform. The information collection platform receives the feedback test transaction, thereby determining which transaction is the test transaction.

[0052] In step S204, the merchant information of the target merchant is obtained according to the merchant indication information of the test transaction and the preset merchant map database.

[0053] After the test transaction is determined, the information collection platform can obtain the transaction information of the test transaction. The merchant indication information of the test transaction includes information that can indicate the target merchant of the test transaction, which can include information that can assist in indicating the target merchant of the test transaction, or information that can directly indicate the target merchant of the test transaction, which is not limited herein. The merchant indication information includes transaction information, or includes transaction information and collection auxiliary information. The information related to the merchant in the transaction information in the merchant indication information can be directly used as the merchant information of the target merchant, and the authenticity and accuracy of the transaction information can be guaranteed. The information related to the merchant in the transaction information can also be matched with the merchant map database, or the transaction information and the collection auxiliary information can be matched with the merchant map database, and the information related to the merchant in the merchant map database can be obtained as the merchant information of the target merchant. The merchant map database includes merchant map data, and the merchant map data includes the information registered by the merchant in the electronic map. Specifically, the merchant map database can include the merchant name in the electronic map and the merchant location in the electronic map, and the merchant location can include the merchant address and / or the merchant latitude and longitude, etc. The data in the merchant map database has high authenticity and accuracy.

[0054] In some examples, the merchant information includes one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information. The merchant identifier is used to identify the merchant and can include, but is not limited to, a merchant number and the like. The merchant identifier is obtained from the transaction information. The merchant terminal identifier is used to identify a transaction device used by the merchant and can include, but is not limited to, a merchant terminal number and the like. The merchant terminal identifier is obtained from the transaction information. The transaction type supported by the merchant can include, but is not limited to, a payment card transaction, an electronic coupon transaction, and a payment code transaction. The transaction type supported by the merchant is obtained from the transaction information. The merchant map name information includes a merchant name registered by the merchant in an electronic map. The merchant map name information is obtained from a merchant map database. The merchant map address information includes a merchant address registered by the merchant in the electronic map. The merchant map address information is obtained from the merchant map database.

[0055] In the embodiments of the present application, the user terminal first completes a test transaction with a target merchant. After the test transaction is completed, the user terminal can send collection auxiliary information to the information collection platform. The information collection platform can obtain candidate transactions including the test transaction from the transaction platform according to the collection auxiliary information, and feed back the candidate transactions to the user terminal, so that the user can confirm the test transaction from the candidate transactions. After the test transaction is determined, the information collection platform extracts merchant information according to the transaction information of the test transaction, or according to the transaction information of the test transaction and the collection auxiliary information, and a preset merchant map database. The authenticity and accuracy of the transaction information can be guaranteed. The data in the merchant map database is highly authentic and accurate. By extracting information from the transaction information and the merchant map database as the collected merchant information, the accuracy of the collected merchant information can be improved. Moreover, the process does not require manual input of information, and the efficiency of collecting the merchant information is improved.

[0056] In some embodiments, the step S204 can be specifically refined as follows: determining information related to the merchant in the transaction information of the test transaction as the merchant information of the target merchant; matching the merchant indication information with merchant map data in a merchant map database to obtain merchant map data of a matching merchant; and determining the merchant information of the target merchant according to the merchant map data of the matching merchant.

[0057] The source of the merchant information of the target merchant can include two parts, one part of the merchant information of the target merchant is derived from the transaction information of the test transaction, and the other part of the merchant information of the target merchant is derived from the merchant map data in the merchant map database that matches the merchant indication information. The matching merchant is a merchant whose merchant map data matches the merchant indication information, and the matching of the merchant map data and the merchant indication information can be specifically implemented as the merchant map data and the merchant indication information satisfying a preset condition. The preset condition can include that the distance between the merchant location indicated by the merchant map data and the merchant location indicated by the merchant indication information is within a preset distance threshold, and the similarity between the merchant name indicated by the merchant map data and the merchant name indicated by the merchant indication information is higher than a preset similarity threshold.

[0058] In some examples, the merchant map data can include merchant map address information and merchant map name information of the merchant. The merchant map address information can represent the address of the merchant in the electronic map. The merchant map name information can represent the name of the merchant in the electronic map. The merchant indication information includes location information and merchant name information in the transaction information, and the location information includes transaction location information in the transaction information and / or terminal positioning location information in the collection auxiliary information. The information collection platform can determine, in the merchant map database, a merchant whose location indicated by the merchant map address information is less than a preset distance threshold from the location indicated by the location information as a first merchant; obtain a similarity parameter of the merchant map name information of the first merchant and the merchant name information, and determine the first merchant whose similarity represented by the similarity parameter is greater than a preset similarity threshold as a matching merchant, to obtain the merchant map data of the matching merchant. For example, in the merchant map database, the merchants within a range of 3 kilometers around the location indicated by the location information can be determined as the first merchant, and the first merchant whose similarity between the merchant map name information and the merchant name information is higher than or equal to 90% can be determined as the matching merchant.

[0059] The number of matched merchants can be one or more than two. In the case that the number of matched merchants is one, the matched merchant can be determined as the target merchant, and the merchant map data of the matched merchant can be used as the merchant information of the target merchant. In some examples, in order to further ensure the reliability of the matched merchant as the target merchant, the target merchant in the matched merchants can be determined through user confirmation. Specifically, the information collection platform can send a matched merchant list including the merchant map data of the matched merchants to the user terminal; receive the merchant map data of the matched merchant selected by the user from the matched merchant list fed back by the user terminal, and determine the merchant map data of the selected matched merchant as the merchant information of the target merchant. The information collection platform sends the matched merchant list to the user terminal, and the matched merchant list can include the merchant name of the matched merchant and the merchant address of the matched merchant. The user terminal displays the matched merchant list. For example, FIG. 5 is a schematic diagram of an example of a matched merchant list displayed by the user terminal according to an embodiment of the present application. As shown in FIG. 5, the matched merchant list includes matched merchant 1 and matched merchant 2, and the merchant address of matched merchant 1 and the merchant address of matched merchant 2 are also shown. The user can select the real target merchant from the matched merchants by inputting, and the merchant map data of the selected target merchant can be determined as the merchant information of the collected target merchant.

[0060] The second aspect of the present application provides a method for automatically collecting merchant information, which can be applied to a user terminal, i.e., the method for automatically collecting merchant information can be executed by the user terminal. FIG. 6 is a flowchart of a method for automatically collecting merchant information applied to a user terminal according to an embodiment of the present application. As shown in FIG. 6, the method for automatically collecting merchant information can include steps S301 to S303.

[0061] In step S301, the collection auxiliary information is sent to the information collection platform in the case that the test transaction between the user terminal and the target merchant is completed.

[0062] The collection auxiliary information is used to enable the information collection platform to filter and obtain the transaction information of the candidate transaction from the transaction platform, and the candidate transaction includes the test transaction.

[0063] In step S302, the transaction list fed back by the information collection platform is received and displayed.

[0064] The transaction list includes the candidate transaction.

[0065] In step S303, the test transaction determined from the candidate transaction according to the input of the user is fed back to the information collection platform, so that the information collection platform obtains the merchant information of the target merchant according to the merchant indication information of the test transaction and the preset merchant map database.

[0066] The merchant indication information includes the transaction information, or includes the transaction information and the collection auxiliary information.

[0067] In the embodiments of the present application, the user terminal first completes a test transaction with the target merchant, and after the test transaction is completed, the user terminal can send the collection auxiliary information to the information collection platform. The information collection platform can filter and obtain candidate transactions including the test transaction from the transaction platform according to the collection auxiliary information, and feed back the candidate transactions to the user terminal for the user to confirm the test transaction from the candidate transactions. After the test transaction is determined, the information collection platform extracts the merchant information according to the transaction information of the test transaction, or according to the transaction information of the test transaction and the collection auxiliary information, and the preset merchant map database. The authenticity and accuracy of the transaction information can be guaranteed, the data authenticity and accuracy of the merchant map database are relatively high, the accuracy of the collected merchant information can be improved by extracting information from the transaction information and the merchant map database as the collected merchant information, and the process does not need manual information input, and the efficiency of collecting the merchant information is also improved.

[0068] In some embodiments, the candidate transaction includes a transaction in the transaction platform that meets the collection auxiliary information.

[0069] In some embodiments, the merchant information of the target merchant includes: information related to the merchant in the transaction information of the test transaction, first merchant information, and the first merchant information is obtained by matching the merchant map data of the matching merchant in the merchant map database according to the merchant indication information.

[0070] In some embodiments, the merchant map data includes merchant map address information and merchant map name information of the merchant. The merchant indication information includes location information and merchant name information in the transaction information. The location information includes transaction location information in the transaction information and / or terminal positioning location information in the collection auxiliary information.

[0071] The matching merchant includes a first merchant whose similarity parameter represented by the similarity between the merchant map name information and the merchant name information is greater than a preset similarity threshold. The first merchant includes a merchant whose distance between the merchant map address information and the location information in the merchant map database is less than a preset distance threshold.

[0072] In some embodiments, the user terminal can also receive a matching merchant list including the merchant map data of the matching merchant sent by the information collection platform, select the matching merchant from the matching merchant list according to the input of the user, and feed back the merchant map data of the selected matching merchant to the information collection platform. The merchant information of the target merchant includes the merchant map data of the selected matching merchant.

[0073] In some examples, in a case where the test transaction is a payment card-based transaction, the auxiliary information collected includes one or more of the following: a user account number, a terminal positioning location, an information entry start time, a transaction resource amount, and a merchant name, wherein the user account number is associated with the payment card.

[0074] In a case where the test transaction is an electronic ticket-based transaction, the auxiliary information collected includes one or more of the following: an information entry start time and ticket cancellation information.

[0075] In a case where the test transaction is a payment code-based transaction, the auxiliary information collected includes a payment code parameter.

[0076] In some examples, the merchant information includes one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

[0077] The specific content of the above-described method for automatically collecting merchant information for a user terminal can be found in the related descriptions in the above examples and can achieve the same technical effects, and thus will not be described again here.

[0078] For ease of understanding, the above-described merchant information automatic collection process will be described below with respect to a case where the test transaction is a payment card-based transaction, an electronic ticket-based transaction, and a payment code-based transaction, respectively.

[0079] FIG. 7 is a schematic diagram of an example of a merchant information automatic collection process in a payment card-based test transaction scenario according to an embodiment of the present application. As shown in FIG. 7, the merchant information automatic collection process can include steps a1 to a12.

[0080] In step a1, the user binds a user account number and a payment card through an application program of the user terminal on an information collection platform in advance. Specifically, the user account number and the payment card identifier can be bound, and the payment card is a dedicated test card.

[0081] In step a2, the information collection platform randomly generates a payment resource amount range and sends it to the user terminal. The payment resource amount of the test transaction needs to be within the payment resource amount range.

[0082] In step a3, the user terminal uses the payment card to complete the test transaction with the transaction platform through the merchant device.

[0083] In step a4, after the test transaction is completed, the user terminal starts the information collection function.

[0084] In step a5, the user terminal transmits the auxiliary information collected to the information collection platform. The auxiliary information collected includes one or more of the following: a user account number, a terminal positioning location, an information entry start time, a transaction resource amount, and a merchant name.

[0085] In step a6, the information collection platform screens the transaction information of the candidate transaction from the transaction platform according to the auxiliary information collected.

[0086] In step a7, the information collection platform extracts the transaction information of the candidate transaction, such as the merchant number, the merchant terminal number, the acquirer identification, and the transaction type supported by the merchant.

[0087] In step a8, the information collection platform sends the transaction list to the user terminal, so that the user terminal displays the transaction list.

[0088] In step a9, the user terminal receives the confirmation input of the user, determines the test transaction from the transaction list, and feeds back the determined test transaction to the information collection platform.

[0089] In step a10, the information collection platform matches the matching merchant in the merchant map database according to the transaction information of the test transaction and the auxiliary information collected, and feeds back the matching merchant list to the user terminal.

[0090] In step a11, the user terminal receives the confirmation input of the user, and feeds back the target merchant selected from the matching merchant list to the information collection platform.

[0091] In step a12, the information collection platform obtains the merchant information of the target merchant according to the transaction information of the test transaction and the data of the target merchant in the merchant map database fed back by the user terminal.

[0092] The other specific contents in steps a1 to a12 can be referred to the related descriptions in the above embodiments, which will not be repeated here.

[0093] FIG. 8 is a schematic diagram of an example of the automatic collection process of the merchant information in the test transaction scenario based on the electronic coupon provided by the embodiments of the present application. As shown in FIG. 8, the automatic collection process of the merchant information can include steps b1 to b13.

[0094] In step b1, the coupon platform pre-configures an electronic coupon for the user logged in the user terminal. The electronic coupon is a test-specific electronic coupon.

[0095] In step b2, the user terminal receives the electronic coupon. The user terminal can receive the electronic coupon through the application program possessed by itself.

[0096] In step b3, the user terminal uses the electronic coupon to complete the test transaction with the transaction platform through the merchant device.

[0097] In step b4, the transaction platform interacts with the coupon system to cancel the electronic coupon.

[0098] In step b5, after the test transaction is completed, the user terminal starts the information collection function.

[0099] In step b6, the user terminal transmits the collected auxiliary information to the information collection platform. The collected auxiliary information includes the information entry start time and the ticket redemption information.

[0100] In step b7, the information collection platform filters the transaction information of the candidate transaction from the transaction platform according to the collected auxiliary information.

[0101] In step b8, the information collection platform extracts the transaction information of the candidate transaction, such as the merchant number, the merchant terminal number, the acquirer identifier, and the transaction type supported by the merchant.

[0102] In step b9, the information collection platform sends a transaction list to the user terminal, so that the user terminal displays the transaction list.

[0103] In step b10, the user terminal receives the user's confirmation input, determines the test transaction from the transaction list, and feeds back the determined test transaction to the information collection platform.

[0104] In step b11, the information collection platform matches the matching merchant in the merchant map database according to the transaction information of the test transaction and the collected auxiliary information, and feeds back the matching merchant list to the user terminal.

[0105] In step b12, the user terminal receives the user's confirmation input, and feeds back the target merchant selected from the matching merchant list to the information collection platform.

[0106] In step b13, the information collection platform obtains the merchant information of the target merchant according to the transaction information of the test transaction and the data of the target merchant in the merchant map database fed back by the user terminal.

[0107] For other specific contents in steps b1 to b13, refer to the related descriptions in the above embodiments, which will not be repeated here.

[0108] FIG. 9 is a schematic diagram of an example of a merchant information automatic collection process in a payment code-based test transaction scenario according to an embodiment of the present application. As shown in FIG. 9, the merchant information automatic collection process can include steps c1 to c12.

[0109] In step c1, the user terminal applies for a payment code from the transaction platform through the information collection platform.

[0110] In step c2, the user terminal displays the payment code. The information collection platform records the payment code parameters.

[0111] In step c3, the user terminal completes the test transaction with the transaction platform through the merchant device using the payment code.

[0112] In step c4, after the test transaction is completed, the user terminal starts the information collection function.

[0113] In step c5, the user terminal transmits the collection auxiliary information to the information collection platform. The collection auxiliary information includes the payment code parameter.

[0114] In step c6, the information collection platform screens the transaction information of the candidate transaction from the transaction platform according to the collection auxiliary information.

[0115] In step c7, the information collection platform extracts the transaction information of the candidate transaction, such as the merchant number, the merchant terminal number, the acquirer identifier, and the transaction type supported by the merchant.

[0116] In step c8, the information collection platform sends a transaction list to the user terminal, so that the user terminal displays the transaction list.

[0117] In step c9, the user terminal receives the confirmation input of the user, determines the test transaction from the transaction list, and feeds back the determined test transaction to the information collection platform.

[0118] In step c10, the information collection platform matches the matching merchant in the merchant map database according to the transaction information of the test transaction and the collection auxiliary information, and feeds back the matching merchant list to the user terminal.

[0119] In step c11, the user terminal receives the confirmation input of the user, and feeds back the target merchant selected from the matching merchant list to the information collection platform.

[0120] In step c12, the information collection platform obtains the merchant information of the target merchant according to the transaction information of the test transaction and the data of the target merchant in the merchant map database fed back by the user terminal.

[0121] For other specific contents in steps c1 to c12, refer to the related descriptions in the above embodiments, which will not be repeated here.

[0122] The third aspect of the present application provides a device for automatically collecting merchant information, which is applied to an information collection platform. FIG. 10 is a structural schematic diagram of the device for automatically collecting merchant information applied to the information collection platform according to an embodiment of the present application. As shown in FIG. 10, the device 400 for automatically collecting merchant information can include a receiving module 401, a filtering module 402, a sending module 403, and an information obtaining module 404.

[0123] The receiving module 401 can be used to receive the collection auxiliary information sent by the user terminal when the user terminal and the target merchant complete the test transaction.

[0124] The filtering module 402 can be used to filter and obtain transaction information of candidate transactions from the trading platform based on the collected auxiliary information. Candidate transactions include test transactions.

[0125] The sending module 403 can be used to send a transaction list to the user terminal, the transaction list including candidate transactions;

[0126] The receiving module 401 can also be used to receive test transactions determined from candidate transactions based on user input, as fed back by the information collection platform.

[0127] The information acquisition module 404 can be used to obtain the merchant information of the target merchant based on the merchant instruction information of the test transaction and the preset merchant map database. The merchant instruction information includes transaction information, or includes transaction information and collection auxiliary information.

[0128] In some embodiments, the filtering module 402 may be specifically used to: filter transactions in the trading platform that meet the requirements for collecting auxiliary information as candidate transactions; and obtain transaction information of the candidate transactions.

[0129] In some embodiments, the information acquisition module 404 may be specifically used to: determine the merchant-related information in the transaction information of the test transaction as the merchant information of the target merchant; match the merchant instruction information with the merchant map data in the merchant map database to obtain the merchant map data of the matching merchant; and determine the merchant information of the target merchant based on the merchant map data of the matching merchant.

[0130] In some examples, merchant map data includes the merchant's merchant map address information and merchant map name information, merchant indication information includes location information and merchant name information in transaction information, location information includes transaction location information in transaction information and / or terminal positioning location information in collection auxiliary information.

[0131] The information acquisition module 404 can be specifically used to: in the merchant map database, identify merchants whose distance between the location indicated by the merchant map address information and the location indicated by the location information is less than a preset distance threshold as the first merchant; acquire the similarity parameter between the merchant map name information and the merchant name information of the first merchant; identify the first merchant whose similarity parameter is greater than a preset similarity threshold as the matching merchant; and obtain the merchant map data of the matching merchant.

[0132] In some examples, the sending module 403 can also be used to send a list of matching merchants, including merchant map data, to the user terminal.

[0133] The receiving module 401 can also be used to: receive merchant map data of the matching merchant selected by the user from the matching merchant list, and determine the merchant map data of the selected matching merchant as the merchant information of the target merchant.

[0134] In some examples, in a case where the test transaction is a payment card based transaction, the collection of the auxiliary information comprises one or more of the following: a user account number, a payment card identification, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account number has an association with the payment card.

[0135] In a case where the test transaction is an electronic ticket based transaction, the collection of the auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information.

[0136] In a case where the test transaction is a payment code based transaction, the collection of the auxiliary information comprises a payment code parameter.

[0137] In some examples, the merchant information comprises one or more of the following: a merchant identification, a merchant terminal identification, an acquirer identification, a transaction type supported by the merchant, a merchant map name information, a merchant map address information.

[0138] It should be noted that the device 400 for automatically collecting merchant information is a device corresponding to the method for automatically collecting merchant information described above, and all implementation manners in the method embodiment are applicable to the device embodiment, and the same technical effects can be achieved.

[0139] The fourth aspect of the present application provides a device for automatically collecting merchant information, applied to a user terminal. FIG. 11 is a structural schematic diagram of the device for automatically collecting merchant information applied to a user terminal according to an embodiment of the present application. As shown in FIG. 11, the device 500 for automatically collecting merchant information can comprise a sending module 501 and a receiving module 502.

[0140] The sending module 501 is configured to send the collection auxiliary information to an information collection platform in a case where a test transaction is completed between the user terminal and a target merchant.

[0141] The collection auxiliary information is used for the information collection platform to filter and obtain transaction information of candidate transactions from a transaction platform, and the candidate transactions comprise the test transaction.

[0142] The receiving module 502 can be configured to receive and display a transaction list fed back by the information collection platform, and the transaction list comprises the candidate transactions.

[0143] The sending module 501 can also be configured to feed back the test transaction determined from the candidate transactions according to the input of the user to the information collection platform, so that the information collection platform obtains the merchant information of the target merchant according to the merchant indication information of the test transaction and a preset merchant map database. The merchant indication information comprises the transaction information, or comprises the transaction information and the collection auxiliary information.

[0144] In some embodiments, the candidate transactions comprise transactions in the transaction platform that meet the collection auxiliary information.

[0145] In some embodiments, the merchant information of the target merchant includes: information related to the merchant in the transaction information of the test transaction, the first merchant information, and the first merchant information is obtained according to the matching of the merchant indication information and the merchant map data of the matching merchant in the merchant map database.

[0146] In some embodiments, the merchant map data includes merchant map address information and merchant map name information of the merchant, the merchant indication information includes location information and merchant name information in the transaction information, and the location information includes transaction location information in the transaction information and / or terminal positioning location information in the collection auxiliary information. The matching merchant includes a first merchant whose similarity parameter represented by the similarity between the merchant map name information and the merchant name information is greater than a preset similarity threshold, and the first merchant includes a merchant whose distance between the merchant map address information and the location information in the merchant map database is less than a preset distance threshold.

[0147] In some embodiments, the device 500 for automatically collecting merchant information can further include a determination module.

[0148] The receiving module 502 can be further configured to receive a matching merchant list including the merchant map data of the matching merchant sent by the information collection platform.

[0149] The determination module can be configured to select the matching merchant from the matching merchant list according to the input of the user.

[0150] The sending module 501 can be configured to feed back the merchant map data of the selected matching merchant to the information collection platform, and the merchant information of the target merchant includes the merchant map data of the selected matching merchant.

[0151] In some examples, in the case that the test transaction is a payment card-based transaction, the collection auxiliary information includes one or more of the following: a user account, terminal positioning location information, information entry start time, transaction resource amount, and merchant name, wherein the user account has an association relationship with the payment card.

[0152] In the case that the test transaction is an electronic ticket-based transaction, the collection auxiliary information includes one or more of the following: information entry start time and ticket cancellation information.

[0153] In the case that the test transaction is a payment code-based transaction, the collection auxiliary information includes a payment code parameter.

[0154] In some examples, the merchant information includes one or more of the following: merchant identification, merchant terminal identification, acquirer identification, transaction type supported by the merchant, merchant map name information, and merchant map address information.

[0155] It should be noted that the device 500 for automatically collecting merchant information is a device corresponding to the method for automatically collecting merchant information, and all implementation manners in the method embodiment are applicable to the device embodiment, and the same technical effects can be achieved.

[0156] The fifth aspect of the present application further provides a user terminal. FIG. 12 is a structural schematic diagram of a user terminal according to an embodiment of the present application. As shown in FIG. 12, the user terminal 600 includes a memory 601, a processor 602, and a computer program stored in the memory 601 and executable on the processor 602.

[0157] In some examples, the processor 602 can include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or one or more integrated circuits configured to implement one or more embodiments of the present application.

[0158] The memory 601 can include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical, or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method for automatically collecting merchant information according to the first aspect of the present application.

[0159] The processor 602 runs a computer program corresponding to the executable program code stored in the memory 601 by reading the executable program code, to implement the method for automatically collecting merchant information in the first aspect embodiment.

[0160] In some examples, the user terminal 600 can further include a communication interface 603 and a bus 604. As shown in FIG. 12, the memory 601, the processor 602, and the communication interface 603 are connected through the bus 604 and complete communication among each other.

[0161] The communication interface 603 is mainly used to realize the communication between the modules, devices, units, and / or equipment in the embodiments of the present application. The input device and / or the output device can also be accessed through the communication interface 603.

[0162] Bus 604 includes a hardware, software, or both that couples components of user terminal 600 to each other. As an example and not by way of limitation, bus 604 can include an accelerated graphics port (AGP) or other graphics bus, an enhanced industry standard architecture (EISA) bus, a front side bus (FSB), a Hyper Transport (HT) interconnect, an industry standard architecture (ISA) bus, an InfiniBand™ interconnect, a low pin count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a peripheral component interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a serial advanced technology attachment (SATA) bus, a video electronics standards board (VLB) bus, or another suitable bus or a combination of two or more of these. Where appropriate, bus 604 can include one or more buses of the same type or as different types. Although the example describes and shows a particular bus, this application contemplates any suitable bus or interconnect.

[0163] The sixth aspect of the application provides an electronic device, which can include a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0164] The memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software comprising computer-executable instructions and when the software is executed (by one or more processors) it is operable to perform the operations described with reference to the method of automatically collecting merchant information according to the second aspect of the application.

[0165] The processor executes a computer program corresponding to the executable program code stored in the memory to implement the method of automatically collecting merchant information in the second aspect of the application.

[0166] In some examples, the electronic device can further include a communication interface and a bus, the memory, the processor, and the communication interface are connected through the bus and complete communication with each other.

[0167] The connection among the memory, the processor, the communication interface, and the bus in the electronic device and the specific implementation can refer to the related description in the embodiments of the user terminal in the fifth aspect above, and will not be described here again.

[0168] The seventh aspect provides a system for automatically collecting merchant information, which can include a user terminal and an information collection platform. The information collection platform is in communication connection with the user terminal. The user terminal is configured to execute the method for automatically collecting merchant information in the first aspect above. The information collection platform is configured to execute the method for automatically collecting merchant information in the second aspect above. The user terminal, the information collection platform, and the method for automatically collecting merchant information in the first aspect and the second aspect above can refer to the related description in the embodiments above, and will not be described here again.

[0169] In some embodiments, the system for automatically collecting merchant information can further include a transaction platform and / or a merchant device.

[0170] The eighth aspect of the present application provides a computer readable storage medium, which stores computer program instructions. When the computer program instructions are executed by a processor, the method for automatically collecting merchant information in the first aspect above or the method for automatically collecting merchant information in the second aspect can be implemented, and the same technical effects can be achieved. To avoid repetition, the same will not be described here again. The computer readable storage medium can include a non-transitory computer readable storage medium, such as a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which is not limited here.

[0171] The ninth aspect of the present application provides a computer program product, which includes a computer program. When the computer program is executed by a processor, the method for automatically collecting merchant information in the first aspect above or the method for automatically collecting merchant information in the second aspect can be implemented, and the same technical effects can be achieved. To avoid repetition, the same will not be described here again.

[0172] It should be clarified that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. For the device embodiments, equipment embodiments, system embodiments, computer-readable storage medium embodiments, and computer program product embodiments, the relevant parts can be referred to the description section of the method embodiments. This application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of this application. Furthermore, for the sake of brevity, detailed descriptions of known methods and techniques are omitted here.

[0173] The aspects of this application have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0174] Those skilled in the art will understand that the above embodiments are exemplary and not restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on a study of the drawings, specification, and claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other means or steps; the quantifier "a" does not exclude a plurality; the terms "first" and "second" are used to identify names and not to indicate any particular order. No reference numerals in the claims should be construed as limiting the scope of protection. The functionality of multiple parts appearing in the claims can be implemented by a single hardware or software module. The appearance of certain technical features in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A method for automatically collecting merchant information, applied to an information collection platform, the method comprising: receiving, in a case where a user terminal and a target merchant complete a test transaction, collection auxiliary information sent by the user terminal, and obtaining transaction information of candidate transactions from a transaction platform according to the collection auxiliary information, the candidate transactions including the test transaction; sending a transaction list including the candidate transactions to the user terminal; receiving the test transaction determined from the candidate transactions according to an input of the user fed back by the information collection platform; obtaining merchant information of the target merchant according to merchant indication information of the test transaction and a preset merchant map database, the merchant indication information including transaction information, or including transaction information and the collection auxiliary information.

2. The method of claim 1, wherein, The obtaining transaction information of candidate transactions from a transaction platform according to the collection auxiliary information comprises: filtering transactions in the transaction platform that meet the collection auxiliary information as the candidate transactions; and obtaining transaction information of the candidate transactions.

3. The method of claim 1, wherein, The obtaining merchant information of the target merchant according to merchant indication information of the test transaction and a preset merchant map database comprises: determining information related to a merchant in the transaction information of the test transaction as the merchant information of the target merchant; matching the merchant indication information with merchant map data in the merchant map database to obtain merchant map data of a matching merchant; and determining the merchant information of the target merchant according to the merchant map data of the matching merchant.

4. The method of claim 3, wherein, The merchant map data includes merchant map address information and merchant map name information of a merchant, the merchant indication information includes location information and merchant name information in transaction information, and the location information includes transaction location information in the transaction information and / or terminal positioning location information in the collection auxiliary information. The matching the merchant indication information with merchant map data in the merchant map database to obtain merchant map data of a matching merchant comprises: determining, in the merchant map database, a first merchant whose location indicated by merchant map address information is less than a preset distance threshold from a location indicated by the location information; and obtaining a similarity parameter of merchant map name information of the first merchant and merchant name information, determining the first merchant whose similarity represented by the similarity parameter is greater than a preset similarity threshold as the matching merchant, and obtaining the merchant map data of the matching merchant.

5. The method of claim 3, wherein, The determining the merchant information of the target merchant according to the merchant map data of the matching merchant comprises: sending a matching merchant list including the merchant map data of the matching merchant to the user terminal; and receiving merchant map data of the matching merchant selected by the user from the matching merchant list fed back by the user terminal, and determining the merchant map data of the selected matching merchant as the merchant information of the target merchant. 6.The method of any one of claims 1 to 5, wherein, In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter.

7. The method of any one of claims 1 to 5, wherein, The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter.

9. The method of claim 8, wherein, The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

10. The method of claim 8, wherein, 8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

8. A method for automatically collecting merchant information, applied to a user terminal, the method comprising: In a case where the test transaction is a payment card-based transaction, the collected auxiliary information comprises one or more of the following: a user account, a payment card identifier, a terminal positioning location information, an information entry start time, a transaction resource amount, a merchant name, wherein the user account is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information comprises one or more of the following: an information entry start time, ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information comprises a payment code parameter. The merchant information comprises one or more of the following: The information collection platform feeds back merchant map data of the selected matching merchant, and the merchant information of the target merchant includes the merchant map data of the selected matching merchant.

13. The method of any one of claims 8 to 12, wherein, In a case where the test transaction is a payment card-based transaction, the collected auxiliary information includes one or more of the following: a user account number, a terminal positioning location, an information entry start time, a transaction resource amount, and a merchant name, wherein the user account number is associated with the payment card; In a case where the test transaction is an electronic ticket-based transaction, the collected auxiliary information includes one or more of the following: an information entry start time and ticket cancellation information; In a case where the test transaction is a payment code-based transaction, the collected auxiliary information includes a payment code parameter.

14. The method of any one of claims 8 to 12, wherein, The merchant information includes one or more of the following: a merchant identifier, a merchant terminal identifier, an acquirer identifier, a transaction type supported by the merchant, merchant map name information, and merchant map address information.

15. An apparatus for automatic collection of merchant information, applied to an information collection platform, the apparatus comprising: a receiving module configured to receive, in a case where a test transaction is completed between a user terminal and a target merchant, collected auxiliary information sent by the user terminal; a filtering module configured to filter and obtain, according to the collected auxiliary information, transaction information of candidate transactions from a transaction platform, the candidate transactions including the test transaction; a sending module configured to send, to the user terminal, a transaction list including the candidate transactions; the receiving module is further configured to receive, from the information collection platform, the test transaction determined from the candidate transactions according to input of the user; an information obtaining module configured to obtain, according to merchant indication information of the test transaction and a preset merchant map database, merchant information of the target merchant, the merchant indication information including transaction information or including both transaction information and the collected auxiliary information.

16. An apparatus for automatic collection of merchant information, applied to a user terminal, the apparatus comprising: a sending module configured to send, in a case where a test transaction is completed between the user terminal and a target merchant, collected auxiliary information to an information collection platform, the collected auxiliary information being used to cause the information collection platform to filter and obtain, from a transaction platform, transaction information of candidate transactions, the candidate transactions including the test transaction; a receiving module configured to receive and display, from the information collection platform, a transaction list including the candidate transactions; the sending module is further configured to feed back, to the information collection platform, the test transaction determined from the candidate transactions according to input of the user, to cause the information collection platform to obtain, according to merchant indication information of the test transaction and a preset merchant map database, merchant information of the target merchant, the merchant indication information including transaction information or including both transaction information and the collected auxiliary information.

17. A user terminal comprising: a processor and a memory having computer program instructions stored therein; The processor implements the method for automatically collecting merchant information according to any one of claims 1 to 7 when executing the computer program instructions.

18. An electronic device, comprising: a processor and a memory storing computer program instructions; The processor implements the method for automatically collecting merchant information according to any one of claims 8 to 14 when executing the computer program instructions.

19. A system for automatically collecting merchant information, comprising: a user terminal configured to implement the method for automatically collecting merchant information according to any one of claims 1 to 7; an information collection platform in communication connection with the user terminal and configured to implement the method for automatically collecting merchant information according to any one of claims 8 to 14.

20. A computer readable storage medium storing computer program instructions, the computer program instructions being executed by a processor to implement the method for automatically collecting merchant information according to any one of claims 1 to 14.

21. A computer program product comprising a computer program, the computer program being executed by a processor to implement the method for automatically collecting merchant information according to any one of claims 1 to 14.

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