Method and apparatus for displaying quick response code, device, system, and medium

Abstract

The present application relates to the technical field of payment, and discloses a method and apparatus for displaying a quick response code, a device, a system, and a medium. The method comprises: receiving payment information obtained by an acceptance terminal scanning a payment quick response code of a user terminal, the payment information comprising configuration object information, and the configuration object information being used for representing a configuration object; on the basis of the configuration object information, searching for a quick response code setting condition associated with the configuration object, the quick response code setting condition having a corresponding configuration relationship with quick response code explicit morphology information; and if user payment behavior information obtained on the basis of the payment information meets the quick response code setting condition, sending a quick response code display update instruction to the user terminal, the quick response code display update instruction comprising the quick response code explicit morphology information corresponding to the quick response code setting condition in the configuration relationship, and the quick response code explicit morphology information in the quick response code display update instruction being used for causing the user terminal to update explicit morphology of a displayed payment quick response code.

Description

Method, device, equipment, system and medium for displaying two-dimensional code

[0001] Cross-reference to Related Applications

[0002] This application claims priority to Chinese Patent Application No. 202411128963.X, filed on August 15, 2024, entitled “Method, device, equipment, system and medium for displaying two-dimensional code”, the entire contents of which are incorporated herein by reference. TECHNICAL FIELD

[0003] The present application belongs to the field of payment technology, and particularly relates to a method, device, equipment, system and medium for displaying a two-dimensional code. BACKGROUND

[0004] With the continuous development of mobile payment technology, two-dimensional code payment has become one of the important payment methods. Two-dimensional code can carry rich information, for example, the use of two-dimensional code can be divided into main reading and being read, the main reading is that the user scans the two-dimensional code by using the user terminal to quickly obtain the information such as the website link, video, audio, text, etc. associated with the two-dimensional code; the being read is that the user displays the two-dimensional code by using the user terminal, and the information is identified and read after the two-dimensional code is scanned, and the read information can be used as a business voucher for payment and other businesses.

[0005] However, the mode of two-dimensional code in payment and other businesses is single, and the functions that can be provided are limited, and other functions of two-dimensional code in payment and other businesses need to be further explored. SUMMARY

[0006] The embodiments of the present application provide a method, device, equipment, system and medium for displaying a two-dimensional code, which can enrich the functions of payment two-dimensional code.

[0007] In a first aspect, the embodiments of the present application provide a method for displaying a two-dimensional code, applied to a background system, the method comprising: receiving payment information obtained by a receiving terminal scanning a payment two-dimensional code of a user terminal, the payment information comprising configuration object information, the configuration object information being used to represent a configuration object, the configuration object comprising one or more of a user, a merchant, a switching platform and a payment card institution; according to the configuration object information, searching for a two-dimensional code setting condition associated with the configuration object, the two-dimensional code setting condition having a corresponding configuration relationship with two-dimensional code explicit form information; if user payment behavior information obtained based on the payment information satisfies the two-dimensional code setting condition, sending a two-dimensional code display update instruction to the user terminal, the two-dimensional code display update instruction comprising two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in the configuration relationship, and the two-dimensional code explicit form information in the two-dimensional code display update instruction being used to make the user terminal update the explicit form of the displayed payment two-dimensional code.

[0008] In a second aspect, the embodiments of the present application provide a method for displaying a two-dimensional code, applied to a user terminal, the method comprising: in response to a payment trigger input, displaying a payment two-dimensional code, the payment two-dimensional code being scanned by an acceptance terminal to obtain payment information, the payment information comprising configuration object information, the configuration object information being used to represent a configuration object, the configuration object comprising one or more of a user, a merchant, a switching platform, and a payment card institution; receiving a two-dimensional code display update instruction sent by a background system in a case where user payment behavior information obtained based on the payment information satisfies two-dimensional code setting conditions, the two-dimensional code display update instruction comprising two-dimensional code explicit form information corresponding to the two-dimensional code setting conditions in a configuration relationship, the two-dimensional code setting conditions being associated with the configuration object, and the two-dimensional code setting conditions and the two-dimensional code explicit form information having the configuration relationship; and updating an explicit form of the displayed payment two-dimensional code according to the two-dimensional code explicit form information in the two-dimensional code display update instruction.

[0009] In a third aspect, the embodiments of the present application provide a device for displaying a two-dimensional code, applied to a background system, the device comprising: a receiving module configured to receive payment information obtained by an acceptance terminal by scanning a payment two-dimensional code of a user terminal, the payment information comprising configuration object information, the configuration object information being used to represent a configuration object, the configuration object comprising one or more of a user, a merchant, a switching platform, and a payment card institution; a condition searching module configured to search for two-dimensional code setting conditions associated with the configuration object according to the configuration object information, the two-dimensional code setting conditions and two-dimensional code explicit form information having a corresponding configuration relationship; and a sending module configured to send a two-dimensional code display update instruction to the user terminal if user payment behavior information obtained based on the payment information satisfies the two-dimensional code setting conditions, the two-dimensional code display update instruction comprising two-dimensional code explicit form information corresponding to the two-dimensional code setting conditions in the configuration relationship, and the two-dimensional code explicit form information in the two-dimensional code display update instruction being used to update an explicit form of a payment two-dimensional code displayed by the user terminal.

[0010] In a fourth aspect, the embodiments of the present application provide a user terminal, comprising: a display module configured to display a payment two-dimensional code in response to a payment trigger input, the payment two-dimensional code being scanned by an acceptance terminal to obtain payment information, the payment information comprising configuration object information, the configuration object information being used to represent a configuration object, the configuration object comprising one or more of a user, a merchant, a switching platform, and a payment card institution; a receiving module configured to receive a two-dimensional code display update instruction sent by a background system in a case where user payment behavior information obtained based on the payment information satisfies two-dimensional code setting conditions, the two-dimensional code display update instruction comprising two-dimensional code explicit form information corresponding to the two-dimensional code setting conditions in a configuration relationship, the two-dimensional code setting conditions being associated with the configuration object, and the two-dimensional code setting conditions and the two-dimensional code explicit form information having the configuration relationship; and the display module being further configured to update an explicit form of the displayed payment two-dimensional code according to the two-dimensional code explicit form information in the two-dimensional code display update instruction.

[0011] In a fifth aspect, an embodiment of the present application provides an electronic device applied to a background system, the electronic device comprising a processor and a memory storing computer program instructions; the processor implements the method for displaying a two-dimensional code according to the first aspect when executing the computer program instructions.

[0012] In a sixth aspect, an embodiment of the present application provides a user terminal, comprising a processor and a memory storing computer program instructions; the processor implements the method for displaying a two-dimensional code 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 displaying a two-dimensional code, comprising a background system for executing the method for displaying a two-dimensional code according to the first aspect, and a user terminal in communication connection with the background system, for executing the method for displaying a two-dimensional code according to the second aspect.

[0014] In an eighth aspect, an embodiment of the present application provides a computer readable storage medium, the computer readable storage medium storing computer program instructions, the computer program instructions being executed by a processor to implement the method for displaying a two-dimensional code according to the first aspect or the method for displaying a two-dimensional code 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 being executed by a processor to implement the method for displaying a two-dimensional code according to the first aspect or the method for displaying a two-dimensional code according to the second aspect.

[0016] The embodiments of the present application provide a method, device, equipment, system and medium for displaying a two-dimensional code. The background system can receive payment information obtained by a receiving terminal scanning a payment two-dimensional code of a user terminal, and determine a configuration object. If user payment behavior information obtained based on the user payment information meets a two-dimensional code setting condition associated with the configuration object, the two-dimensional code explicit form information corresponding to the two-dimensional code setting condition associated with the configuration object is determined in the configuration relationship between the two-dimensional code setting condition and the two-dimensional code explicit form information, and the two-dimensional code explicit form information is transmitted to the user terminal through a two-dimensional code display update instruction. The user terminal can update the explicit form of the payment two-dimensional code according to the two-dimensional code display update instruction. The two-dimensional code setting condition associated with the configuration object can realize the individual customization of the payment two-dimensional code by the configuration object, so that the payment two-dimensional code can realize various functions such as reminding, important information display and information pushing through the change of the explicit form in addition to the payment function, greatly enriching the function of the payment two-dimensional code. BRIEF DESCRIPTION OF DRAWINGS

[0017] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required to be used in the embodiments of the present application will be briefly introduced. Other drawings can also be obtained by those skilled in the art without creative labor on the basis of these drawings.

[0018] Fig. 1 is a schematic diagram of an architecture of a two-dimensional code display system according to an embodiment of the present application;

[0019] Fig. 2 is a flowchart of a two-dimensional code display method according to an embodiment of the present application;

[0020] Fig. 3 is a flowchart of a two-dimensional code display method according to another embodiment of the present application;

[0021] Fig. 4 is a flowchart of a two-dimensional code display method according to yet another embodiment of the present application;

[0022] Fig. 5 is a flowchart of a two-dimensional code display method according to still another embodiment of the present application;

[0023] Fig. 6 is a schematic diagram of a structure of a two-dimensional code display apparatus according to an embodiment of the present application;

[0024] Fig. 7 is a schematic diagram of a structure of a user terminal according to an embodiment of the present application;

[0025] Fig. 8 is a schematic diagram of a structure of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0026] The features and exemplary embodiments of the various aspects of the present application will be described in detail below with reference to the accompanying drawings and specific embodiments. To make the purpose, technical solutions and advantages of the present application more clear, the present application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only 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 by those skilled in the art. The following description of the embodiments is only to provide 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 the user or relevant institution and comply with relevant provisions of national laws and regulations.

[0027] With the continuous development of mobile payment technology, two-dimensional code payment has become one of the important payment methods. Two-dimensional code can carry rich information, for example, the use of two-dimensional code can be divided into main reading use and being read use. The main reading use is that the user scans the two-dimensional code by using the user terminal to quickly obtain the information such as the website link, video, audio, text, etc. associated with the two-dimensional code. The being read use is that the user displays the two-dimensional code by using the user terminal, and the information is identified and read after the two-dimensional code is scanned. The read information can be used as a business voucher for payment and other businesses. However, the mode of two-dimensional code in payment and other businesses is single, the functions that can be provided are limited, and it cannot support personalized settings. Its other functions in payment and other businesses need to be further explored.

[0028] The application provides a two-dimensional code display method, device, equipment, system, medium and program product, which can utilize the explicit information and implicit information of a payment two-dimensional code at the same time. In a payment process, the object with personalized requirements is determined through the implicit information of the payment two-dimensional code, so as to obtain the personalized settings of various objects, obtain the explicit information of the payment two-dimensional code corresponding to the personalized settings of various objects, and after the payment is completed, the explicit information of the payment two-dimensional code corresponding to the personalized settings can be sent to the user terminal, so that the user terminal updates the payment two-dimensional code according to the explicit information of the payment two-dimensional code corresponding to the personalized settings, the explicit form of the updated payment two-dimensional code changes, thereby providing the functions of reminding, important information display and information push for the user, realizing the personalized settings of the payment two-dimensional code, enriching the functions of the payment two-dimensional code and improving the user experience.

[0029] For the convenience of understanding, the two-dimensional code display system in the embodiments of the application is introduced briefly. FIG. 1 is an architecture schematic diagram of a two-dimensional code display system provided by an embodiment of the application, as shown in FIG. 1, the two-dimensional code display system can include a user terminal 11 and a background system 12, and in some examples, the two-dimensional code display system can further include a receiving terminal 13.

[0030] The user terminal 11 can include but is not limited to a mobile phone, a tablet computer, a smart bracelet, a smart watch and the like, which can display a payment two-dimensional code. The payment two-dimensional code displayed by the user terminal 11 can be scanned by the receiving terminal 13, and the receiving terminal can obtain the implicit information of the payment two-dimensional code, that is, the information contained in the payment two-dimensional code after analysis. The receiving terminal 13 can include but is not limited to a point-of-sale device, that is, a POS machine. The user terminal 11 can be in communication connection with the background system 12. The receiving terminal 13 can be in communication connection with the background system 12.

[0031] The background system 12 can receive access of the user terminal 11 and the receiving terminal 13. The background system can include but is not limited to a background system of an application program in the user terminal 11, a background system of an acquirer, a background system of a payment card institution to which the user terminal 11 is bound, a background system of a payment switching system, and the specific composition of the background system can be adjusted according to the scene, demand, etc. The receiving terminal 13 can communicate and interact with the background system of the acquirer. The background system of the application program, the background system of the payment card institution, and the payment switching system can communicate and interact with the background system of the acquirer. The background system of the application program can communicate and interact with the background system of the payment card institution and the payment switching system. The background system of the payment card institution can communicate and interact with the payment switching system. In the embodiment of the present application, the background system 12 can not only issue a payment two-dimensional code to the user terminal, but also provide the user terminal with two-dimensional code explicit form information capable of indicating the explicit form of the payment two-dimensional code, so as to make the user terminal display the payment two-dimensional code in various display forms. The functions of the background system 12 can be realized by devices of the same type or different types, and the types and quantities of the devices in the background system 12 are not limited herein.

[0032] The method, device, system, medium and program product for displaying a two-dimensional code provided by the present application will be described below.

[0033] The first aspect of the present application provides a method for displaying a two-dimensional code, which is applied to a background system, i.e., the method for displaying a two-dimensional code can be executed by a background system. FIG. 2 is a flowchart of the method for displaying a two-dimensional code provided by an embodiment of the present application, as shown in FIG. 2, the method for displaying a two-dimensional code can include steps S201 to S203.

[0034] In step S201, payment information obtained by a receiving terminal scanning a payment two-dimensional code of a user terminal is received.

[0035] The user terminal displays the payment two-dimensional code in response to a payment trigger input, and the receiving terminal scans the payment two-dimensional code to obtain implicit information contained in the payment two-dimensional code. In the embodiment of the present application, the user terminal displays the payment two-dimensional code, i.e., displays the payment two-dimensional code. The receiving terminal initiates payment and sends payment information to the background system. The payment information can include configuration object information, which is used to represent a configuration object, and the configuration object includes an object capable of configuring the explicit form of the payment two-dimensional code. The configuration object includes one or more of the user, the merchant, the switching platform, and the payment card institution, i.e., the configuration object information can include but is not limited to user information, merchant information, switching platform information, and payment card information. The payment information can also include order identifier, payment resource amount, payment time, etc., which are not limited herein. The configuration object information can be obtained from the implicit information contained in the payment two-dimensional code and the receiving terminal, which is not limited herein.

[0036] In step S202, according to the configuration object information, the two-dimensional code setting condition associated with the configuration object is searched.

[0037] The configuration object can set the two-dimensional code setting condition in advance, and the configuration object has an association relationship with the two-dimensional code setting condition set by itself. Different configuration objects can set different two-dimensional code setting conditions, that is, the two-dimensional code setting conditions associated with different configuration objects can be different. For example, the two-dimensional code setting condition associated with a user, the two-dimensional code setting condition associated with a merchant, the two-dimensional code setting condition associated with a switching platform, and the two-dimensional code setting condition associated with a payment card institution can be different. The two-dimensional code setting conditions associated with different merchants can also be different, the two-dimensional code setting conditions associated with different users can also be different, and the two-dimensional code setting conditions associated with different payment card institutions can also be different. The two-dimensional code setting condition includes a condition for realizing a function or multiple functions by updating the explicit form of the payment two-dimensional code. The functions that can be realized by updating the explicit form of the payment two-dimensional code can include but are not limited to reminding, important information display, information push, etc. If the two-dimensional code setting condition is met, it means that the explicit form of the payment two-dimensional code needs to be updated. The two-dimensional code setting condition and the two-dimensional code explicit form information have a corresponding configuration relationship. In the configuration relationship, different two-dimensional code setting conditions correspond to different two-dimensional code explicit form information, that is, different two-dimensional code setting conditions are met, and the user terminal will display the payment two-dimensional code with different explicit forms.

[0038] In step S203, if the user payment behavior information obtained based on the payment information meets the two-dimensional code setting condition, a two-dimensional code display update instruction is sent to the user terminal.

[0039] The user payment behavior information can represent the user behavior that can be obtained based on the payment. The user behavior obtained based on the payment can include the user's payment behavior this time, and can also include the user's historical payment behavior obtained by tracing information based on the payment information. At least part of the payment information can be directly used as the user payment behavior information, or information associated with the payment information can be obtained based on the payment information as the user payment behavior information. For example, the payment information can include a payment time, which can represent the user's payment behavior in the time dimension this time, and the payment time can be used as the user payment behavior information. For another example, the payment information can include user information, and the historical payment times of the user indicated by the user information can be obtained based on the user information to represent the user's historical payment behavior, and the historical payment times of the user can be used as the user payment behavior information. In the case where the background system includes a plurality of subsystems, such as a background system of an application program in a user terminal, a background system of a collecting institution, a background system of a payment card institution to which a payment card bound to the user terminal belongs, a switching system of the payment, and the like, the user payment behavior information can be obtained through the interaction of the plurality of subsystems. For example, the user payment behavior information includes a payment time, and the background system of the collecting institution can directly determine the payment time in the payment information as the user payment behavior information; the user payment behavior information includes the total payment resource amount of the user in a predetermined time period, and the background system of the collecting institution can send the user information in the payment information to the switching system of the payment, and the switching system can obtain the total payment resource amount of the user in the predetermined time period indicated by the user information to determine the total payment resource amount of the user in the predetermined time period as the user payment behavior information; and the interaction between other subsystems is not exemplified one by one here.

[0040] The payment behavior information satisfies the two-dimensional code setting condition, and the two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in the configuration relationship can take effect in the user terminal. The two-dimensional code explicit form information is used to represent the explicit form of the payment two-dimensional code. When the two-dimensional code setting condition is satisfied, the explicit form of the payment two-dimensional code displayed by the user terminal should be updated to the explicit form represented by the two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in the configuration relationship. In order to make the two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in the configuration relationship take effect, the two-dimensional code explicit form information can be sent to the user terminal through a two-dimensional code display update instruction. The two-dimensional code display update instruction is used to instruct the user terminal to update the payment two-dimensional code. The two-dimensional code display update instruction includes the two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in the configuration relationship, and the two-dimensional code explicit form information in the two-dimensional code display update instruction is used to make the user terminal update the explicit form of the displayed payment two-dimensional code.

[0041] The user terminal updates the explicit form of the payment two-dimensional code according to the two-dimensional code explicit form information in the two-dimensional code display update instruction in response to the two-dimensional code display update instruction, so that the explicit form of the updated payment two-dimensional code is consistent with the explicit form represented by the two-dimensional code explicit form information in the two-dimensional code display update instruction. In some examples, the two-dimensional code explicit form information can be used to represent one or more of the following: two-dimensional code shape, two-dimensional code color, and two-dimensional code contained prompt information. Correspondingly, the two-dimensional code explicit form information can include one or more of the following: two-dimensional code shape information, two-dimensional code color information, and contained prompt information. The color, shape, and contained prompt information of the payment code can be updated by the two-dimensional code display update instruction. The two-dimensional code contained prompt information can include text and / or icons. For example, the initial payment two-dimensional code has a rectangular shape, is black in color, and does not contain icons or text. According to the two-dimensional code display update instruction, the updated payment two-dimensional code has a square shape, is yellow in color, and contains a date, which is the user's service handling date. By changing the color of the payment two-dimensional code and adding the text (i.e., the date) in the payment two-dimensional code, the user is reminded that the service handling date is approaching. In some examples, the user terminal can update the explicit form of the payment two-dimensional code after the corresponding payment is completed, and display the payment two-dimensional code with the updated explicit form.

[0042] In the embodiments of the present application, the background system can receive the payment information obtained by the receiving terminal scanning the payment two-dimensional code of the user terminal, and determine a configuration object. If the user payment behavior information obtained based on the user payment information meets the two-dimensional code setting condition associated with the configuration object, the two-dimensional code explicit form information corresponding to the two-dimensional code setting condition associated with the configuration object is determined in the configuration relationship between the two-dimensional code setting condition and the two-dimensional code explicit form information, and the two-dimensional code explicit form information is transmitted to the user terminal through a two-dimensional code display update instruction. The user terminal can update the explicit form of the payment two-dimensional code according to the two-dimensional code display update instruction. The two-dimensional code setting condition associated with the configuration object can realize the individual customization of the payment two-dimensional code by the configuration object, so that the payment two-dimensional code can realize multiple functions such as reminding, important information display, and information pushing in addition to the payment function by changing the explicit form, greatly enriching the function of the payment two-dimensional code, improving the interest of the payment two-dimensional code, and improving the user experience. Moreover, the payment process is integrated with multiple functions such as reminding, important information display, and information pushing to display to the user, so that the user terminal does not need to additionally install other transaction reminding application programs, and the occupied space of the application programs in the user terminal can be reduced on the basis of meeting more user demands.

[0043] In some embodiments, the two-dimensional code setting condition can include one or more of the following: transaction incentive type condition, transaction reminding type condition, and non-transaction reminding type condition.

[0044] The transaction incentive type condition can include a condition of achieving the incentive for the user by changing the explicit form of the payment QR code, and the incentive for the user can be embodied by important information display and information push. For example, by using the display method of the QR code in the embodiment of the application, if the transaction incentive type condition is met, the color of the payment QR code can be updated to gold, a crown icon, "VIP" text or text prompting interaction with the staff to obtain a gift can be added in a certain area of the payment QR code, and the like. In addition, an electronic coupon as an incentive can be simultaneously issued to the user, and the electronic coupon issued to the user can be prompted by changing the color or shape of the payment QR code or adding an icon or text in the payment QR code. Herein, the electronic coupon is not limited.

[0045] In the case where the QR code setting condition includes the transaction incentive type condition, the user payment behavior information can include, but is not limited to, one or more of the following: transaction behavior information of the user in a predetermined time period, transaction behavior information of the user with a specified merchant in a predetermined time period, and transaction behavior information of a specified payment card of the user in a predetermined time period. The transaction behavior information of the user in a predetermined time period includes information reflecting the transaction behavior of the user in the predetermined time period, for example, the transaction behavior information of the user in a predetermined time period can include, but is not limited to, the transaction resource amount of the user in a predetermined time period, the number of transactions of the user in a predetermined time period, and the like. The transaction behavior information of the user with a specified merchant in a predetermined time period includes information reflecting the transaction behavior of the user with the specified merchant in the predetermined time period, for example, the transaction behavior of the user with the specified merchant in a predetermined time period can include, but is not limited to, the transaction resource amount of the user with the specified merchant in a predetermined time period, the number of transactions of the user with the specified merchant in a predetermined time period, and the like. The transaction behavior information of the specified payment card of the user in a predetermined time period can include information reflecting the transaction behavior of the user using a payment card or a payment card of a payment institution in the predetermined time period, for example, the transaction behavior information of the specified payment card of the user in a predetermined time period can include, but is not limited to, the transaction resource amount of the specified payment card of the user in a predetermined time period, the number of transactions of the specified payment card of the user in a predetermined time period, and the like. Correspondingly, the transaction incentive type condition can include, but is not limited to, one or more of the following: the transaction resource amount of the user in a predetermined time period is within an incentive resource amount range; the number of transactions of the user in a predetermined time period is within an incentive number of transactions range; the transaction resource amount of the user with a specified merchant in a predetermined time period is within an incentive resource amount range; the number of transactions of the user with a specified merchant in a predetermined time period is within an incentive number of transactions range; the transaction resource amount of the specified payment card of the user in a predetermined time period is within an incentive resource amount range; and the number of transactions of the specified payment card of the user in a predetermined time period is within an incentive number of transactions range.

[0046] For ease of understanding, an example is used here to illustrate the display process of the two-dimensional code under the transaction incentive condition in the payment scenario. For example, the display process of the two-dimensional code under the transaction incentive condition in the payment scenario can include steps a1 to a6.

[0047] In step a1, the user terminal displays a payment two-dimensional code in response to a payment trigger input of the user.

[0048] In step a2, the receiving terminal scans the payment two-dimensional code, obtains implicit information contained in the payment two-dimensional code, and transmits payment information including the implicit information, merchant information, and the like to the background system of the acquirer. The implicit information includes user information and the like.

[0049] In step a3, the background system of the acquirer identifies the user according to the user information in the payment information, and queries a transaction incentive condition associated with the merchant indicated by the merchant information. The transaction incentive condition can be pre-set by the merchant.

[0050] In step a4, if the user payment behavior information obtained based on the payment information satisfies the transaction incentive condition, the two-dimensional code explicit form information corresponding to the transaction incentive condition is obtained. The background system of the acquirer can send a two-dimensional code display update request to the background system of the payment application in the user terminal, and the two-dimensional code display update request includes the two-dimensional code explicit form information corresponding to the transaction incentive condition.

[0051] In step a5, the background system of the payment application sends a two-dimensional code display update instruction to the payment application in the user terminal. The two-dimensional code display update instruction includes the two-dimensional code explicit form information corresponding to the transaction incentive condition.

[0052] In step a6, the payment application in the user terminal updates the explicit form of the payment two-dimensional code according to the two-dimensional code display update instruction. The explicit form of the payment two-dimensional code changes, and the explicit form of the updated payment two-dimensional code can give reminders, incentives, information push, and the like to objects such as users and merchants. For example, the color of the payment two-dimensional code changes, which can prompt the merchant to give gifts to the user, or can prompt the user that an electronic voucher has been issued to the user.

[0053] The specific content of the above steps a1 to a6 can be referred to the related description in the embodiments of the present application, which will not be repeated here.

[0054] The transaction reminding type condition can include a condition of reminding the user of a transaction service by changing the explicit form of the payment QR code. For example, using the display method of the QR code in the embodiments of the present application, if the transaction reminding type condition is met, the color of the payment QR code can be updated to red, or a word, icon or the like reminding the user that a certain transaction service date is approaching can be added to a certain area of the payment QR code, or a word, icon or the like reminding the user that the payment resource limit is approaching can be added to a certain area of the payment QR code, and the like. For example, a word such as "credit card repayment date in 2 days" can be added to a certain area of the payment QR code, or a word such as "payment limit" can be added to a certain area of the payment QR code, and the like, which are not limited herein.

[0055] In a case where the QR code setting condition includes the transaction reminding type condition, the user payment behavior information includes one or more of the following: the payment time of the payment corresponding to the payment QR code, the transaction behavior information of the user in a predetermined time period, and the transaction behavior information of a specified payment card of the user in the predetermined time period. The payment time of the payment corresponding to the payment QR code includes the time of the current payment of the payment QR code. The transaction behavior information of the user in the predetermined time period and the transaction behavior information of the specified payment card of the user in the predetermined time period can be referred to the related description in the above embodiments, which will not be repeated herein. Correspondingly, the transaction reminding type condition can include, but is not limited to, one or more of the following: the time length of the payment time from a predetermined time is within a reminding time length range; the transaction resource amount of the user in the predetermined time period is within a transaction reminding resource amount range; the transaction frequency of the user in the predetermined time period is within a transaction reminding frequency range; the transaction resource amount of the specified payment card of the user in the predetermined time period is within a transaction reminding resource amount range; and the transaction frequency of the specified payment card of the user in the predetermined time period is within a transaction reminding frequency range.

[0056] For ease of understanding, an example is used here to illustrate the display process of the QR code in the payment scenario under the transaction reminding type condition. For example, the display process of the QR code in the payment scenario under the transaction reminding type condition can include steps b1 to b7.

[0057] In step b1, the user terminal displays the payment QR code in response to the payment trigger input of the user.

[0058] In step b2, the receiving terminal scans the payment QR code to obtain the implicit information contained in the payment QR code, and transmits the payment information including the implicit information, merchant information and the like to the background system of the acquirer.

[0059] In step b3, the background system of the acquirer transmits the payment information to the background system of the payment application program in the user terminal.

[0060] In step b4, the background system of the payment application identifies the user according to the user information in the payment information, and queries the two-dimensional code setting condition associated with the user, which can be set by the user in advance.

[0061] In step b4, if the two-dimensional code setting condition includes a transaction reminder type condition, the background system of the payment application sends a transaction service query request to the background system of the payment card institution.

[0062] In step b5, the background system of the payment application receives the transaction service query result fed back by the background system of the payment card institution, and determines the transaction service query result as the user payment behavior information.

[0063] In step b6, if the user payment behavior information meets the transaction reminder type condition, the two-dimensional code explicit form information corresponding to the transaction reminder condition is obtained, and the background system of the payment application can send a two-dimensional code display update instruction to the payment application in the user terminal. The two-dimensional code display update instruction includes the two-dimensional code explicit form information corresponding to the transaction reminder condition.

[0064] In step b7, the payment application in the user terminal updates the explicit form of the payment two-dimensional code according to the two-dimensional code display update instruction. The explicit form of the payment two-dimensional code changes, and the explicit form of the updated payment two-dimensional code can give the user a reminder related to the transaction service, etc. For example, the color of the payment two-dimensional code is updated from black to red, which can prompt the user that the time length from the current time to the transaction service handling time of the user is within 2 days; for another example, an icon with the word "2 days" is added to a certain area of the payment two-dimensional code to prompt the user that the time length from the current time to the transaction service handling time of the user is 2 days; for another example, a warning word is added to a certain area of the payment two-dimensional code to prompt that the payment amount of the user will exceed the limit.

[0065] The specific content of the above steps b1 to b7 can be referred to the related description in the embodiments of the present application, which will not be repeated here.

[0066] The non-transaction reminder type condition can include a condition for reminding the user of a non-transaction matter by changing the explicit form of the payment two-dimensional code. For example, using the display method of the two-dimensional code in the embodiments of the present application, if the non-transaction reminder type condition is met, the color of the payment two-dimensional code can be updated to blue, or a word, an icon, etc. prompting a user of a certain non-transaction matter date is approaching can be added to a certain area of the payment two-dimensional code, such as a cake icon is added to a certain area of the payment two-dimensional code, or the word "1 day to daughter's birthday" is added to a certain area of the payment two-dimensional code, which is not limited here.

[0067] In a case where the two-dimensional code setting condition includes a non-transaction reminding type condition, the user payment behavior information includes a payment time of a payment corresponding to the payment two-dimensional code. The payment time of the payment corresponding to the payment two-dimensional code can be referred to the related description in the above embodiments, which will not be repeated here. Correspondingly, the non-transaction reminding type condition can include but is not limited to a time length of the payment time from a predetermined time being within a reminding time length range.

[0068] For ease of understanding, the display process of the two-dimensional code in the payment scenario under the non-transaction reminding type condition is illustrated by an example. For example, the display process of the two-dimensional code in the payment scenario under the non-transaction reminding type condition can include steps c1 to c5.

[0069] In step c1, the user terminal displays the payment two-dimensional code in response to a payment trigger input of the user.

[0070] In step c2, the receiving terminal scans the payment two-dimensional code, obtains implicit information contained in the payment two-dimensional code, and transmits payment information including the implicit information, merchant information, etc. to the background system of the acquirer institution. The implicit information includes user information, etc.

[0071] In step c3, the background system of the acquirer institution transmits the payment information to the background system of the payment application program in the user terminal.

[0072] In step c4, the background system of the payment application program identifies the user according to the user information in the payment information, and queries the two-dimensional code setting condition associated with the user, which can be set by the user in advance.

[0073] In step c4, if the two-dimensional code setting condition includes a non-transaction reminding type condition, the background system of the payment application program obtains the explicit form information of the two-dimensional code corresponding to the non-transaction reminding type condition when the user payment behavior information satisfies the non-transaction reminding type condition, and sends a two-dimensional code display update instruction to the payment application program in the user terminal. The two-dimensional code display update instruction includes the explicit form information of the two-dimensional code corresponding to the non-transaction reminding type condition.

[0074] In step c5, the payment application program in the user terminal updates the explicit form of the payment two-dimensional code according to the two-dimensional code display update instruction. The explicit form of the payment two-dimensional code changes, and the explicit form of the updated payment two-dimensional code can give the user a reminder related to a non-transaction transaction, etc. For example, the color of the payment two-dimensional code is updated from black to blue, which can prompt the user to set an important date reminder. The important date can include but is not limited to birthday, examination date, meeting date, deadline, etc. For another example, an icon with the word "1 day" is added to a certain area of the payment two-dimensional code to prompt the user that the time length from the current time to the important date of the user is 1 day. For another example, a word representing the important date is added to a certain area of the payment two-dimensional code to prompt the user that the important date is coming soon.

[0075] The specific content of steps c1 to c5 can be found in the relevant description in the examples of the present application, which will not be repeated here.

[0076] In some embodiments, only one configuration object sets the two-dimensional code setting condition, and the two-dimensional code display update instruction can be generated according to the explicit form information of the two-dimensional code corresponding to the two-dimensional code setting condition associated with the one configuration object. That is, the two-dimensional code display update instruction includes the explicit form information of the two-dimensional code corresponding to the two-dimensional code setting condition associated with the one configuration object.

[0077] In some embodiments, there are multiple configuration objects that set the two-dimensional code setting condition, for example, a user is associated with a two-dimensional code setting condition, and a merchant that initiates payment with the user is also associated with a two-dimensional code setting condition. In the case where the number of configuration objects associated with the two-dimensional code setting condition is N, that is, there are multiple configuration objects that set the two-dimensional code setting condition, the background system can obtain N sets of two-dimensional code explicit form information in the preconfigured configuration relationship, one set of two-dimensional code explicit form information corresponding to one configuration object, N being an integer greater than 1; select M sets of two-dimensional code explicit form information from the N sets of two-dimensional code explicit form information to generate a two-dimensional code display update instruction, the two-dimensional code display update instruction including M sets of two-dimensional code explicit form information, M being a positive integer less than or equal to N. At least part of the sets of two-dimensional code explicit form information can be selected from the N sets of two-dimensional code explicit form information required by the N configuration objects to update the explicit form of the payment two-dimensional code displayed on the user terminal.

[0078] In some examples, the priority of the configuration object can be preconfigured. The background system can select the M sets of two-dimensional code explicit form information corresponding to the M configuration objects arranged in the order of priority from high to low to generate a two-dimensional code display update instruction. M is less than N, indicating that part of the sets of two-dimensional code explicit form information is selected from the N sets of two-dimensional code explicit form information to generate the two-dimensional code display update instruction. If M = 1, the background system can select one set of two-dimensional code explicit form information corresponding to the configuration object with the highest priority from the N sets of two-dimensional code explicit form information. For example, a user is associated with a two-dimensional code setting condition, and a merchant that transacts with the user is also associated with a two-dimensional code setting condition. If the priority of the merchant is higher than that of the user, a two-dimensional code display update instruction is generated according to the set of two-dimensional code explicit form information associated with the two-dimensional code setting condition of the merchant.

[0079] In some examples, all obtained two-dimensional code explicit form information can be added to the two-dimensional code display update instruction. That is, the two-dimensional code display update instruction is generated according to the N sets of two-dimensional code explicit form information, and M is equal to N.

[0080] In some examples, M is greater than 1, that is, the two-dimensional code display update instruction includes multiple sets of two-dimensional code explicit form information. In order to make the explicit forms indicated by the multiple sets of two-dimensional code explicit form information not conflict when the user terminal displays the updated payment two-dimensional code, in the case where M is greater than 1, the two-dimensional code display update instruction can be used to make the updated payment two-dimensional code displayed by the user terminal include M two-dimensional code layers stacked together, and the explicit form of each two-dimensional code layer is determined by a corresponding set of two-dimensional code explicit form information. Each two-dimensional code layer in the M two-dimensional code layers stacked together can be individually identified, and each two-dimensional code layer can be individually identified by adjusting the transparency of different two-dimensional code layers, and the individual identification here can include that a code scanning device can individually identify and a human eye can individually identify. Through the display of the payment two-dimensional code with multiple layers, multiple personalized configurations can be simultaneously implemented, so that the updated payment two-dimensional code displayed can simultaneously implement more functions, for example, two or more of the functions of transaction business class reminders, non-transaction transaction class reminders, and incentives can be simultaneously implemented.

[0081] In some embodiments, the initial payment two-dimensional code displayed by the user terminal for initiating payment can also be personalized configured. FIG. 3 is a flowchart of a two-dimensional code display method provided by another embodiment of the present application, and the difference between FIG. 3 and FIG. 2 is that the two-dimensional code display method shown in FIG. 3 can further include steps S204 to S207.

[0082] In step S204, a two-dimensional code form acquisition request sent by the user terminal in response to a payment trigger input is received.

[0083] The two-dimensional code form acquisition request includes user information.

[0084] In step S205, according to the user information, two-dimensional code initial configuration information associated with the user indicated by the user information is searched.

[0085] The initial configuration information of the two-dimensional code associated with the user can be preset, that is, the user can perform initial personalized configuration of the payment two-dimensional code by setting the initial configuration information of the two-dimensional code in advance. In some examples, the initial configuration information of the two-dimensional code can include transaction service class configuration information and non-transaction transaction class configuration information. The transaction service class configuration information is related to a transaction service, which can include but is not limited to credit card repayment service, payment card limit management service, etc. The background system of the payment application in the user terminal can initiate a transaction service query request to the background system of the payment card institution, the background system of the payment card institution can query the transaction service of the user, and feed back the query result to the background system of the payment application. The background system of the payment application obtains the transaction service class configuration information according to the user information and the query result. In some examples, the initial configuration information of the two-dimensional code can include user information and query results. The non-transaction transaction class configuration information is related to a non-transaction transaction, which can include but is not limited to important date reminders, personalized icons, etc. The background system of the payment application in the user terminal can directly use the user information as the non-transaction transaction class configuration information.

[0086] In step S206, the explicit form information of the two-dimensional code is obtained according to the initial configuration information of the two-dimensional code, and a two-dimensional code display instruction is generated.

[0087] The explicit form information of the two-dimensional code has a corresponding relationship with the initial configuration information of the two-dimensional code. The explicit form information of the two-dimensional code corresponding to the initial configuration information of the two-dimensional code associated with the user can be found from the corresponding relationship, and the two-dimensional code display instruction is generated according to the explicit form information of the two-dimensional code. The two-dimensional code display instruction includes the obtained explicit form information of the two-dimensional code.

[0088] In step S207, the two-dimensional code display instruction is sent to the user terminal.

[0089] The user terminal receives the two-dimensional code display instruction, and displays the payment two-dimensional code according to the two-dimensional code display instruction. The explicit form of the payment two-dimensional code displayed by the user terminal is consistent with the explicit form represented by the explicit form information of the two-dimensional code in the two-dimensional code display instruction. In other words, the two-dimensional code display instruction is used to make the explicit form of the payment two-dimensional code displayed by the user terminal consistent with the explicit form represented by the explicit form information of the two-dimensional code in the two-dimensional code display instruction. The payment two-dimensional code initially displayed by the user terminal is a personalized payment two-dimensional code, which can provide reminders, important information display, etc. to the user when the user initiates payment, without the need for the user terminal to additionally install other transaction reminder application programs. The content of how the payment two-dimensional code realizes the functions of reminders, important information display, etc. through the explicit form can be referred to the related description in the above embodiments, which will not be repeated here.

[0090] The second aspect of the present application provides a display method of a two-dimensional code. The display method of the two-dimensional code is applied to a user terminal, i.e., the display method of the two-dimensional code can be executed by the user terminal. FIG. 4 is a flowchart of the display method of the two-dimensional code according to another embodiment of the present application. As shown in FIG. 4, the display method of the two-dimensional code can include steps S301 to S303.

[0091] In step S301, a payment two-dimensional code is displayed in response to a payment input.

[0092] The payment two-dimensional code is scanned by a receiving terminal to obtain payment information. The payment information includes configuration object information, which is used to represent a configuration object. The configuration object includes one or more of a user, a merchant, a transfer platform, and a payment card institution.

[0093] In step S302, a two-dimensional code display update instruction is received from a background system when user payment behavior information obtained based on the payment information meets a two-dimensional code setting condition.

[0094] The two-dimensional code display update instruction includes two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in a configuration relationship. The two-dimensional code setting condition is associated with a configuration object, and the two-dimensional code setting condition has a configuration relationship with the two-dimensional code explicit form information.

[0095] In step S303, the explicit form of the displayed payment two-dimensional code is updated according to the two-dimensional code explicit form information in the two-dimensional code display update instruction.

[0096] In some embodiments, the two-dimensional code setting condition includes one or more of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0097] When the two-dimensional code setting condition includes a transaction incentive condition, the user payment behavior information includes one or more of the following: transaction behavior information of the user within a predetermined time period, transaction behavior information of the user with a specified merchant within a predetermined time period, and transaction behavior information of a specified payment card of the user within a predetermined time period.

[0098] When the two-dimensional code setting condition includes a transaction reminder condition, the user payment behavior information includes one or more of the following: payment time of a payment corresponding to the payment two-dimensional code, transaction behavior information of the user within a predetermined time period, and transaction behavior information of a specified payment card of the user within a predetermined time period.

[0099] When the two-dimensional code setting condition includes a non-transaction reminder condition, the user payment behavior information includes the payment time of a payment corresponding to the payment two-dimensional code.

[0100] In some embodiments, the number of configuration objects associated with the setting condition of the two-dimensional code is N, one configuration object corresponds to one set of two-dimensional code explicit appearance information, the two-dimensional code display update instruction includes M sets of two-dimensional code explicit appearance information selected from the N sets of two-dimensional code explicit appearance information, N is an integer greater than 1, and M is a positive integer less than or equal to N.

[0101] In some examples, the M configuration objects corresponding to the M sets of two-dimensional code explicit appearance information in the two-dimensional code display update instruction are the top M configuration objects in the N configuration objects arranged in descending order of priority. Alternatively, the two-dimensional code display update instruction includes N sets of two-dimensional code explicit appearance information, and M is equal to N.

[0102] In some examples, the above step S303 can be specifically refined as follows: in the case where M is greater than 1, the explicit appearance of the payment two-dimensional code is updated according to the M sets of two-dimensional code explicit appearance information in the two-dimensional code display update instruction, to obtain M two-dimensional code layers; and the M two-dimensional code layers are stacked to obtain and display the updated payment two-dimensional code, and each two-dimensional code layer in the stacked M two-dimensional code layers is identified separately.

[0103] FIG. 5 is a flowchart of a two-dimensional code display method provided by another embodiment of the present application. The difference between FIG. 5 and FIG. 4 is that step S301 in FIG. 4 can be specifically refined as steps S3011 to S3013 in FIG. 5.

[0104] In step S3011, a two-dimensional code appearance acquisition request is sent to a background system in response to a payment trigger input.

[0105] The two-dimensional code appearance acquisition request includes user information, which is used to instruct the background system to find two-dimensional code initial configuration information associated with the user information. The two-dimensional code initial configuration information is used by the background system to obtain two-dimensional code explicit appearance information.

[0106] In step S3012, a two-dimensional code display instruction sent by the background system is received.

[0107] The two-dimensional code display instruction includes two-dimensional code explicit appearance information obtained based on the two-dimensional code initial configuration information.

[0108] In step S3013, a payment two-dimensional code is displayed according to the two-dimensional code explicit appearance information in the two-dimensional code display instruction.

[0109] The explicit appearance of the payment two-dimensional code is consistent with the two-dimensional code explicit appearance information in the two-dimensional code display instruction.

[0110] In some examples, the two-dimensional code explicit appearance information is used to represent one or more of the following: two-dimensional code shape, two-dimensional code color, and two-dimensional code contained prompt information. The two-dimensional code contained prompt information includes text and / or icons.

[0111] It should be noted that the method for displaying the two-dimensional code applied to the user terminal corresponds to the method for displaying the two-dimensional code applied to the background system, and all the implementation manners in the embodiments of the method for displaying the two-dimensional code applied to the background system are applicable to the embodiments of the method for displaying the two-dimensional code applied to the user terminal, and the same technical effects can be achieved, and thus details are not repeated herein.

[0112] The third aspect of the present application provides a display device of a two-dimensional code. FIG. 6 is a structural schematic diagram of a display device of a two-dimensional code according to an embodiment of the present application. As shown in FIG. 6, the display device 400 of the two-dimensional code can include a receiving module 401, a condition searching module 402, and a sending module 403.

[0113] In some embodiments, the setting condition of the two-dimensional code includes one or more than one of the following: a transaction incentive type condition, a transaction reminder type condition, and a non-transaction reminder type condition.

[0114] In the case where the setting condition of the two-dimensional code includes the transaction incentive type condition, the user payment behavior information includes one or more than one of the following: the transaction behavior information of the user within a predetermined time period, the transaction behavior information of the user with a specified merchant within a predetermined time period, and the transaction behavior information of a specified payment card of the user within a predetermined time period.

[0115] In the case where the setting condition of the two-dimensional code includes the transaction reminder type condition, the user payment behavior information includes one or more than one of the following: the payment time of the payment corresponding to the payment two-dimensional code, the transaction behavior information of the user within a predetermined time period, and the transaction behavior information of a specified payment card of the user within a predetermined time period.

[0116] In the case where the setting condition of the two-dimensional code includes the non-transaction reminder type condition, the user payment behavior information includes the payment time of the payment corresponding to the payment two-dimensional code.

[0117] In some embodiments, the display device 400 of the two-dimensional code can further include an instruction generating module. The instruction generating module can be configured to: in the case where the number of configuration objects associated with the setting condition of the two-dimensional code is N, obtain N sets of two-dimensional code explicit form information in a preconfigured configuration relationship, one set of two-dimensional code explicit form information corresponding to one configuration object, N being an integer greater than 1; select M sets of two-dimensional code explicit form information from the N sets of two-dimensional code explicit form information, generate a two-dimensional code display updating instruction, the two-dimensional code display updating instruction including the M sets of two-dimensional code explicit form information, M being a positive integer less than or equal to N.

[0118] In some examples, the instruction generation module can be specifically configured to: select M sets of the two-dimensional code explicit form information corresponding to the M configuration objects arranged in the front according to the arrangement order from high to low of the priority of the N configuration objects, to generate the two-dimensional code display update instruction, where M is less than N; or generate the two-dimensional code display update instruction according to the N sets of the two-dimensional code explicit form information, where M is equal to N.

[0119] In some examples, in the case that M is greater than 1, the two-dimensional code display update instruction is used to make the user terminal display the updated payment two-dimensional code including M two-dimensional code layers stacked together, the explicit form of each two-dimensional code layer is determined by the corresponding set of two-dimensional code explicit form information, and each two-dimensional code layer in the M two-dimensional code layers stacked together is identified separately.

[0120] In some embodiments, the receiving module 401 can also be configured to: receive a two-dimensional code form acquisition request sent by the user terminal in response to the payment trigger input before receiving the payment information obtained by the receiving terminal scanning the payment two-dimensional code of the user terminal, and the two-dimensional code form acquisition request includes user information.

[0121] The instruction generation module can also be configured to: according to the user information, search for two-dimensional code initial configuration information associated with the user indicated by the user information; according to the two-dimensional code initial configuration information, obtain the two-dimensional code explicit form information, and generate a two-dimensional code display instruction including the obtained two-dimensional code explicit form information.

[0122] The sending module 403 can also be configured to: send the two-dimensional code display instruction to the user terminal, and the two-dimensional code display instruction is used to make the explicit form of the payment two-dimensional code displayed by the user terminal consistent with the two-dimensional code explicit form information in the two-dimensional code display instruction.

[0123] In some examples, the two-dimensional code explicit form information is used to represent one or more of the following: two-dimensional code shape, two-dimensional code color, and two-dimensional code contained prompt information. The two-dimensional code contained prompt information includes text and / or icons.

[0124] It should be noted that the two-dimensional code display device 400 is a device corresponding to the two-dimensional code display method applied to the background system described above, all implementation manners in the above method embodiments are applicable to the embodiments of the device, and the same technical effects can also be achieved, which will not be described here.

[0125] The fourth aspect of the present application provides a user terminal. FIG. 7 is a structural schematic diagram of a user terminal provided by an embodiment of the present application. As shown in FIG. 7, the user terminal 500 can include a display module 501 and a receiving module 502.

[0126] The display module 501 can be configured to display a payment two-dimensional code in response to a payment trigger input.

[0127] The payment QR code is scanned by the receiving terminal to obtain payment information, and the payment information includes configuration object information, the configuration object information is used to represent a configuration object, and the configuration object includes one or more than two of a user, a merchant, a switching platform, and a payment card institution.

[0128] The receiving module 502 can be used to receive a two-dimensional code display update instruction sent by the background system in a case where user payment behavior information obtained based on the payment information meets a two-dimensional code setting condition.

[0129] The two-dimensional code display update instruction includes two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in the configuration relationship, the two-dimensional code setting condition is associated with the configuration object, and the two-dimensional code setting condition has a configuration relationship with the two-dimensional code explicit form information.

[0130] The display module 502 is further configured to update the explicit form of the displayed payment QR code according to the two-dimensional code explicit form information in the two-dimensional code display update instruction.

[0131] In some embodiments, the two-dimensional code setting condition includes one or more than two of the following categories: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions.

[0132] In a case where the two-dimensional code setting condition includes a transaction incentive condition, the user payment behavior information includes one or more than two of the following: transaction behavior information of the user within a predetermined time period, transaction behavior information of the user with a specified merchant within a predetermined time period, and transaction behavior information of a specified payment card of the user within a predetermined time period.

[0133] In a case where the two-dimensional code setting condition includes a transaction reminder condition, the user payment behavior information includes one or more than two of the following: a payment time of a payment corresponding to the payment QR code, transaction behavior information of the user within a predetermined time period, and transaction behavior information of a specified payment card of the user within a predetermined time period.

[0134] In a case where the two-dimensional code setting condition includes a non-transaction reminder condition, the user payment behavior information includes a payment time of a payment corresponding to the payment QR code.

[0135] In some embodiments, the number of configuration objects associated with the two-dimensional code setting condition is N, one configuration object corresponds to a group of two-dimensional code explicit form information, the two-dimensional code display update instruction includes M groups of two-dimensional code explicit form information selected from N groups of two-dimensional code explicit form information, N is an integer greater than 1, and M is a positive integer less than or equal to N.

[0136] In some examples, the M sets of the explicit form information of the two-dimensional code in the two-dimensional code display update instruction correspond to M configuration objects, and the M configuration objects are the first M configuration objects in the N configuration objects arranged in descending order of priority; or the two-dimensional code display update instruction includes N sets of the explicit form information of the two-dimensional code, and M is equal to N.

[0137] In some embodiments, the display module 501 can be specifically configured to: in a case where M is greater than 1, update the explicit form of the payment two-dimensional code according to the M sets of the explicit form information of the two-dimensional code in the two-dimensional code display update instruction, to obtain M two-dimensional code layers; and stack the M two-dimensional code layers to obtain and display the updated payment two-dimensional code, each of the M two-dimensional code layers being identifiable individually.

[0138] In some embodiments, the user terminal 500 further includes a sending module.

[0139] The sending module can be configured to send, in response to a payment trigger input, a two-dimensional code form acquisition request to a background system. The two-dimensional code form acquisition request includes user information, and the user information is used to instruct the background system to find two-dimensional code initial configuration information associated with the user information, and the two-dimensional code initial configuration information is used by the background system to obtain two-dimensional code explicit form information.

[0140] The receiving module 502 can be further configured to: receive a two-dimensional code display instruction sent by the background system, the two-dimensional code display instruction including the two-dimensional code explicit form information obtained based on the two-dimensional code initial configuration information.

[0141] The display module 501 can be configured to: display, according to the two-dimensional code explicit form information in the two-dimensional code display instruction, a payment two-dimensional code, the explicit form of the payment two-dimensional code being consistent with the two-dimensional code explicit form information in the two-dimensional code display instruction.

[0142] In some examples, the two-dimensional code explicit form information is used to represent one or more of the following: a two-dimensional code shape, a two-dimensional code color, and a two-dimensional code contained prompt information; and the two-dimensional code contained prompt information includes text and / or an icon.

[0143] It should be noted that the user terminal 500 is a device corresponding to the above-mentioned method for displaying a two-dimensional code of a user terminal, and all implementation manners in the above-mentioned method embodiments are applicable to the embodiments of the user terminal and can achieve the same technical effects, which will not be described herein again.

[0144] The fifth aspect of the present application further provides an electronic device. FIG. 8 is a structural schematic diagram of an electronic device provided in an embodiment of the present application. As shown in FIG. 8, the electronic device 600 includes a memory 601, a processor 602, and a computer program stored in the memory 601 and capable of running on the processor 602.

[0145] In some examples, the processor 602 can include a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or can be configured to implement one or more integrated circuits that implement embodiments of the present application.

[0146] The memory 601 can include read-only memory (ROM), random access memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical / tangible memory storage devices. Thus, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions that, when executed (e.g., by one or more processors), are operable to perform the operations described with reference to the method of displaying a two-dimensional code according to the first aspect of the present application.

[0147] The processor 602 runs a computer program corresponding to the executable program code stored in the memory 601 by reading the executable program code, for implementing the method of displaying a two-dimensional code in the above-mentioned first aspect embodiment.

[0148] In some examples, the electronic device 600 can further include a communication interface 603 and a bus 604. As shown in FIG. 8, the memory 601, the processor 602, and the communication interface 603 are connected through the bus 604 and complete communication among each other.

[0149] 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.

[0150] Bus 604 includes hardware, software, or both, to couple components of electronic device 600 to each other and to couple electronic device 600 to other systems or devices. While Fig. 6 shows bus 604 as a single bus, bus 604 can be composed of multiple buses or separate communication lines, which are arranged to allow communication between various components of electronic device 600. For example, 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 Association Local Bus (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. Although this application describes and shows a particular bus, this application contemplates any suitable bus or interconnect.

[0151] The sixth aspect of the application provides a user terminal, which can include a memory, a processor, and a computer program stored on the memory and executable on the processor.

[0152] 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 (e.g., by one or more processors) it is operable to perform the operations described with reference to the method of displaying a two-dimensional code according to the second aspect of the application.

[0153] The processor executes a computer program corresponding to the executable program code stored in the memory by reading the executable program code, for implementing the method of displaying a two-dimensional code according to the second aspect of the application.

[0154] In some examples, the user terminal can further include a communication interface and a bus, the memory, the processor, and the communication interface being connected by the bus and completing communication with each other.

[0155] The connection between the memory, the processor, the communication interface, the bus in the user terminal, and the specific implementation can refer to the related description in the embodiments of the electronic device of the fifth aspect, which will not be repeated here.

[0156] The seventh aspect of the present application provides a two-dimensional code display system, which can include a background system and a user terminal. The background system is used to execute the two-dimensional code display method in the first aspect. The user terminal is in communication connection with the background system and can be used to execute the two-dimensional code display method in the second aspect. The specific content of the background system, the user terminal, and the two-dimensional code display method can refer to the related content in the above embodiments, which will not be repeated here.

[0157] 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 two-dimensional code display method in the first aspect or the two-dimensional code display method in the second aspect can be realized, and the same technical effects can be achieved. To avoid repetition, this will not be repeated here. 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, which is not limited here.

[0158] 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 two-dimensional code display method in the first aspect or the two-dimensional code display method in the second aspect can be realized, and the same technical effects can be achieved. To avoid repetition, this will not be repeated here.

[0159] It should be clear that each embodiment in the present specification is described in a progressive manner, and the same or similar parts between each embodiment can be referred to each other. Each embodiment focuses on the difference from other embodiments. For the device embodiment, the equipment embodiment, the user terminal embodiment, the system embodiment, the computer readable storage medium embodiment, and the computer program product embodiment, the related parts can refer to the description of the method embodiment. The present application is not limited to the specific steps and structures described above and shown in the drawings. Those skilled in the art can make various changes, modifications, and additions, or change the order between steps after understanding the spirit of the present application. Moreover, in order to be brief, the detailed description of the known method technology is omitted here.

[0160] The computer program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other processing device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other processing device to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks. Alternatively, computer program implemented steps can be

[0161] Those skilled in the art will understand that the embodiments described above are merely exemplary and not limiting. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Those skilled in the art will understand and appreciate other variations of the disclosed embodiments upon studying the drawings, the specification and the claims. In the claims, the term "comprising" does not exclude other devices or steps; the term "one" does not exclude a plurality; the term "first", "second" etc. do not imply any order; the terms "first", "second" etc. are used to name the names and not to indicate any specific order. Any reference signs in the claims should not be construed as limiting the scope of the claims. The functions of a plurality of parts can be carried out by a single hardware or software module. The fact that certain technical features appear in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A method for displaying a two-dimensional code, applied to a background system, the method comprising: receiving payment information obtained by a receiving terminal scanning a payment two-dimensional code of a user terminal, the payment information comprising configuration object information, the configuration object information being used to represent a configuration object, the configuration object comprising one or more of a user, a merchant, a relay platform, and a payment card institution; based on the configuration object information, searching for two-dimensional code setting conditions associated with the configuration object, the two-dimensional code setting conditions having a corresponding configuration relationship with two-dimensional code explicit form information; if user payment behavior information obtained based on the payment information satisfies the two-dimensional code setting conditions, sending a two-dimensional code display update instruction to the user terminal, the two-dimensional code display update instruction comprising two-dimensional code explicit form information corresponding to the two-dimensional code setting conditions in the configuration relationship, the two-dimensional code explicit form information in the two-dimensional code display update instruction being used to cause the user terminal to update the explicit form of the payment two-dimensional code displayed.

2. The method of claim 1, wherein, The two-dimensional code setting conditions comprise one or more of the following: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions. In a case where the two-dimensional code setting conditions comprise transaction incentive conditions, the user payment behavior information comprises one or more of the following: transaction behavior information of the user within a predetermined time period, transaction behavior information of the user with a specified merchant within a predetermined time period, and transaction behavior information of a specified payment card of the user within a predetermined time period. In a case where the two-dimensional code setting conditions comprise transaction reminder conditions, the user payment behavior information comprises one or more of the following: a payment time of a payment corresponding to the payment two-dimensional code, transaction behavior information of the user within a predetermined time period, and transaction behavior information of a specified payment card of the user within a predetermined time period. In a case where the two-dimensional code setting conditions comprise non-transaction reminder conditions, the user payment behavior information comprises a payment time of a payment corresponding to the payment two-dimensional code. 3.The method of claim 1, further comprising: in a case where the number of the configuration objects associated with the two-dimensional code setting conditions is N, obtaining N sets of two-dimensional code explicit form information in the preconfigured configuration relationship, one set of two-dimensional code explicit form information corresponding to one configuration object, N being an integer greater than 1; selecting M sets of two-dimensional code explicit form information from the N sets of two-dimensional code explicit form information to generate the two-dimensional code display update instruction, the two-dimensional code display update instruction comprising the M sets of two-dimensional code explicit form information, M being a positive integer less than or equal to N.

4. The method of claim 3, wherein, The selecting M sets of two-dimensional code explicit form information from the N sets of two-dimensional code explicit form information to generate the two-dimensional code display update instruction comprises: selecting M sets of two-dimensional code explicit form information corresponding to M configuration objects arranged in the front according to the arrangement order from high to low of the priority of the N configuration objects to generate the two-dimensional code display update instruction, M being less than N; or generating the two-dimensional code display update instruction according to the N sets of two-dimensional code explicit form information, M being equal to N. 5.The method of claim 3, wherein ​ In the case that M is greater than 1, the updated payment two-dimensional code displayed by the user terminal according to the two-dimensional code display update instruction comprises M two-dimensional code layers stacked together, and each two-dimensional code layer is identified individually.

6. The method of claim 1, further comprising, before receiving the payment information obtained by scanning the payment two-dimensional code of the user terminal by the receiving terminal: receiving a two-dimensional code appearance obtaining request sent by the user terminal in response to a payment trigger input, the two-dimensional code appearance obtaining request comprising user information; obtaining two-dimensional code dominant appearance information according to the two-dimensional code initial configuration information indicated by the user information; and generating a two-dimensional code display instruction comprising the obtained two-dimensional code dominant appearance information according to the two-dimensional code initial configuration information; and sending the two-dimensional code display instruction to the user terminal, the two-dimensional code display instruction being used to make the dominant appearance of the payment two-dimensional code displayed by the user terminal consistent with the two-dimensional code dominant appearance information in the two-dimensional code display instruction.

7. The method of any one of claims 1 to 6, wherein: the two-dimensional code dominant appearance information is used to represent one or more of the following: two-dimensional code shape, two-dimensional code color, and two-dimensional code contained prompt information; and the two-dimensional code contained prompt information comprises text and / or icons.

8. A two-dimensional code display method applied to a user terminal, the method comprising: displaying a payment two-dimensional code in response to a payment trigger input, the payment two-dimensional code being scanned by a receiving terminal to obtain payment information, the payment information comprising configuration object information used to represent a configuration object, the configuration object comprising one or more of the following: a user, a merchant, a relay platform, and a payment card institution; and receiving a two-dimensional code display update instruction sent by a background system in the case that user payment behavior information obtained based on the payment information satisfies two-dimensional code setting conditions, the two-dimensional code display update instruction comprising two-dimensional code dominant appearance information corresponding to the configuration relationship of the two-dimensional code setting conditions, the two-dimensional code setting conditions being associated with the configuration object, and the two-dimensional code setting conditions having the configuration relationship with the two-dimensional code dominant appearance information; and updating the dominant appearance of the displayed payment two-dimensional code according to the two-dimensional code dominant appearance information in the two-dimensional code display update instruction.

9. The method of claim 8, wherein, the two-dimensional code setting conditions comprise one or more of the following: transaction incentive conditions, transaction reminder conditions, and non-transaction reminder conditions; and in the case that the two-dimensional code setting conditions comprise transaction incentive conditions, the user payment behavior information comprises one or more of the following: transaction behavior information of the user within a predetermined time period, transaction behavior information of the user with a specified merchant within a predetermined time period, and transaction behavior information of a specified payment card of the user within a predetermined time period. In a case where the two-dimensional code setting condition comprises a transaction reminding type condition, the user payment behavior information comprises one or more of the following: a payment time of the payment corresponding to the payment two-dimensional code, transaction behavior information of the user within a predetermined time period, and transaction behavior information of a specified payment card of the user within a predetermined time period. In a case where the two-dimensional code setting condition comprises a non-transaction reminding type condition, the user payment behavior information comprises a payment time of the payment corresponding to the payment two-dimensional code.

10. The method of claim 8, wherein, The number of the configuration objects associated with the two-dimensional code setting condition is N, one configuration object corresponds to a set of two-dimensional code explicit form information, and the two-dimensional code display update instruction comprises M sets of two-dimensional code explicit form information selected from the N sets of two-dimensional code explicit form information, N is an integer greater than 1, and M is a positive integer less than or equal to N.

11. The method of claim 10, wherein, The M configuration objects corresponding to the M sets of two-dimensional code explicit form information in the two-dimensional code display update instruction are the first M configuration objects in the N configuration objects arranged in descending order of priority. Alternatively, The two-dimensional code display update instruction comprises N sets of two-dimensional code explicit form information, and M is equal to N.

12. The method of claim 10, wherein, The updating of the explicit form of the payment two-dimensional code according to the two-dimensional code explicit form information in the two-dimensional code display update instruction comprises: In a case where M is greater than 1, the explicit form of the payment two-dimensional code is updated according to the M sets of two-dimensional code explicit form information in the two-dimensional code display update instruction, to obtain M two-dimensional code layers; The M two-dimensional code layers are stacked to obtain and display the updated payment two-dimensional code, and each two-dimensional code layer in the stacked M two-dimensional code layers is individually identifiable.

13. The method of claim 8, wherein, The displaying of the payment two-dimensional code in response to the payment trigger input comprises: In response to the payment trigger input, a two-dimensional code form acquisition request is sent to the background system, the two-dimensional code form acquisition request comprises user information, the user information is used to instruct the background system to find two-dimensional code initial configuration information associated with the user information, and the two-dimensional code initial configuration information is used by the background system to obtain two-dimensional code explicit form information; A two-dimensional code display instruction sent by the background system is received, the two-dimensional code display instruction comprises two-dimensional code explicit form information obtained based on the two-dimensional code initial configuration information; The payment two-dimensional code is displayed according to the two-dimensional code explicit form information in the two-dimensional code display instruction, and the explicit form of the payment two-dimensional code is consistent with the two-dimensional code explicit form information in the two-dimensional code display instruction.

14. The method of any one of claims 8 to 13, wherein, The two-dimensional code explicit form information is used to represent one or more of the following: a two-dimensional code shape, a two-dimensional code color, and two-dimensional code contained prompt information. The two-dimensional code contained prompt information comprises text and / or icons.

15. A two-dimensional code display device applied to a background system, the device comprising: receive a payment information obtained by scanning a payment two-dimensional code of a user terminal by a terminal, the payment information comprising configuration object information, the configuration object information being used to represent a configuration object, the configuration object comprising one or more of a user, a merchant, a switching platform, and a payment card institution; a condition searching module, configured to search for a two-dimensional code setting condition associated with the configuration object according to the configuration object information, the two-dimensional code setting condition having a corresponding configuration relationship with two-dimensional code explicit form information; a sending module, configured to send a two-dimensional code display updating instruction to the user terminal if a user payment behavior information obtained based on the payment information satisfies the two-dimensional code setting condition, the two-dimensional code display updating instruction comprising two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in the configuration relationship, the two-dimensional code explicit form information in the two-dimensional code display updating instruction being used to update an explicit form of the payment two-dimensional code displayed by the user terminal.

16. A user terminal, comprising: a display module, configured to display a payment two-dimensional code in response to a payment trigger input, the payment two-dimensional code being scanned by a terminal to obtain payment information, the payment information comprising configuration object information, the configuration object information being used to represent a configuration object, the configuration object comprising one or more of a user, a merchant, a switching platform, and a payment card institution; a receiving module, configured to receive a two-dimensional code display updating instruction sent by a background system if a user payment behavior information obtained based on the payment information satisfies a two-dimensional code setting condition, the two-dimensional code display updating instruction comprising two-dimensional code explicit form information corresponding to the two-dimensional code setting condition in a configuration relationship, the two-dimensional code setting condition being associated with the configuration object, the two-dimensional code setting condition having the configuration relationship with the two-dimensional code explicit form information; the display module is further configured to update an explicit form of the payment two-dimensional code displayed according to the two-dimensional code explicit form information in the two-dimensional code display updating instruction.

17. An electronic device for use in a background system, the electronic device comprising: a processor and a memory storing computer program instructions; the processor implements the method for displaying a two-dimensional code according to any one of claims 1 to 7 when executing the computer program instructions.

18. A user terminal comprising: a processor and a memory storing computer program instructions; the processor implements the method for displaying a two-dimensional code according to any one of claims 8 to 14 when executing the computer program instructions.

19. A system for displaying a two-dimensional code, comprising: a background system, configured to implement the method for displaying a two-dimensional code according to any one of claims 1 to 7; a user terminal, in communication connection with the background system, configured to implement the method for displaying a two-dimensional code according to any one of claims 8 to 14.

20. A computer readable storage medium, the computer readable storage medium storing computer program instructions, the computer program instructions being executed by a processor to implement the method for displaying a two-dimensional code according to any one of claims 1 to 14.

21. A computer program product comprising a computer program which, when executed by a processor, implements the method of displaying a two-dimensional code according to any one of claims 1 to 14.

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