Method and apparatus for electronic payment, and device and storage medium

Abstract

The embodiments of the present disclosure relate to a method and apparatus for electronic payment, and a device and a storage medium. The method provided herein comprises: presenting a payment page in a target window, wherein on the payment page, a set of candidate payment modes are provided; and in response to a target payment mode in the set of candidate payment modes being in a selected state, on the basis of a target display mode corresponding to the target payment mode, presenting benefit description information corresponding to the target payment mode, wherein the benefit description information is used for indicating a target benefit corresponding to the target payment mode, and the target display mode at least indicates the display position of the benefit description information.

Description

Method, apparatus, device and storage medium for electronic payment

[0001] The present application claims priority to the Chinese patent application No. 202411304538.1, filed on September 18, 2024, entitled “Method, apparatus, device and storage medium for electronic payment”, the whole content of which is incorporated herein by reference. TECHNICAL FIELD

[0002] Example embodiments of the present disclosure generally relate to the field of computers, and in particular, to a method, apparatus, device and computer readable storage medium for electronic payment. BACKGROUND

[0003] With the development of computer technology, electronic payment as a convenient and efficient payment method has been widely used in the world. The interface for electronic payment as a window for users to interact with the payment system, its design and technical implementation is crucial to improve the user's payment experience and ensure transaction security. SUMMARY

[0004] In a first aspect of the present disclosure, a method for electronic payment is provided. The method comprises: presenting a payment page in a target window, the payment page providing a set of candidate payment methods; and in response to a target payment method in the set of candidate payment methods being in a selected state, presenting, according to a target display mode corresponding to the target payment method, benefit description information corresponding to the target payment method, the benefit description information being used to indicate a target benefit corresponding to the target payment method, the target display mode at least indicating a display position of the benefit description information.

[0005] In a second aspect of the present disclosure, an apparatus for electronic payment is provided. The apparatus comprises: a first presentation module configured to present a payment page in a target window, the payment page providing a set of candidate payment methods; and a second presentation module configured to, in response to a target payment method in the set of candidate payment methods being in a selected state, present, according to a target display mode corresponding to the target payment method, benefit description information corresponding to the target payment method, the benefit description information being used to indicate a target benefit corresponding to the target payment method, the target display mode at least indicating a display position of the benefit description information.

[0006] In a third aspect of the present disclosure, an electronic device is provided. The device comprises at least one processor; and at least one memory coupled to the at least one processor and storing instructions for execution by the at least one processor. The instructions, when executed by the at least one processor, cause the device to perform the method of the first aspect.

[0007] In a fourth aspect of the present disclosure, a computer-readable storage medium is provided. The computer-readable storage medium has stored thereon computer-executable instructions that are executable by a processor to implement the method of the first aspect.

[0008] In a fifth aspect of the present disclosure, a computer program product is provided. The computer program product is tangibly stored in a computer storage medium and includes computer-executable instructions that, when executed by a device, cause the device to perform the method of the first aspect.

[0009] It should be understood that the content described in this section is not intended to limit the key features or important features of the embodiments of the present disclosure, nor is it intended to limit the scope of the present disclosure. Other features of the present disclosure will become apparent through the following description. BRIEF DESCRIPTION OF DRAWINGS

[0010] The above and other features, advantages, and aspects of embodiments of the present disclosure will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings in which:

[0011] FIG. 1 shows a schematic diagram of an example environment in which embodiments of the present disclosure can be implemented;

[0012] FIGS. 2A to 2F show schematic diagrams of a plurality of example electronic payment interfaces according to some embodiments of the present disclosure;

[0013] FIG. 3 shows a flowchart of a process for presenting equity description information according to some embodiments of the present disclosure;

[0014] FIG. 4 shows a flowchart of a process for electronic payment according to some embodiments of the present disclosure;

[0015] FIG. 5 shows a block diagram of an apparatus for electronic payment according to some embodiments of the present disclosure; and

[0016] FIG. 6 shows a block diagram of an electronic device capable of implementing a plurality of embodiments of the present disclosure. DETAILED DESCRIPTION

[0017] It can be understood that, before using the technical solutions disclosed by the embodiments of the present disclosure, the type of personal information involved in the present disclosure, the scope of use, the scenario of use, etc. should be informed to the user and the authorization of the user should be obtained in a proper manner according to relevant laws and regulations.

[0018] For example, in response to receiving an active request of a user, a prompt information is sent to the user to explicitly prompt the user that the operation requested to be performed by the user will need to acquire and use personal information of the user. Thus, the user can autonomously select whether to provide the personal information to the software or hardware, such as an electronic device, an application program, a server or a storage medium, performing the operation of the technical solution of the present disclosure according to the prompt information.

[0019] As an optional but non-limiting implementation manner, in response to receiving an active request of a user, the manner of sending a prompt information to the user may, for example, be a pop-up window manner, in which the prompt information can be presented in a text manner. In addition, the pop-up window can also carry a selection control for the user to select "agree" or "disagree" to provide the personal information to the electronic device.

[0020] It can be understood that the above notification and acquisition of user authorization process is only illustrative, and does not limit the implementation manner of the present disclosure, and other manners meeting the relevant laws and regulations can also be applied to the implementation manner of the present disclosure.

[0021] It can be understood that the data involved in the technical solution (including but not limited to the data itself, acquisition or use of the data) should comply with the requirements of the relevant laws and regulations and the relevant provisions.

[0022] The term "in response to" as used herein denotes a state in which a corresponding event occurs or a condition is met. It will be understood that the timing of the execution of the subsequent action performed in response to the event or condition is not necessarily strongly associated with the time at which the event occurs or the condition is met. For example, in some cases, the subsequent action can be performed immediately upon the occurrence of the event or the establishment of the condition, while in other cases, the subsequent action can be performed after a period of time has elapsed since the occurrence of the event or the establishment of the condition.

[0023] Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although certain embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure can be implemented in various forms and should not be construed as being limited to the embodiments set forth herein, but rather, these embodiments are provided so that the present disclosure can be more thoroughly and completely understood. It should be understood that the drawings and embodiments of the present disclosure are for exemplary purposes only and are not intended to limit the scope of protection of the present disclosure.

[0024] It should be noted that the titles of any section / subsection provided herein are not limiting. Various embodiments are described throughout this document, and any type of embodiment can be included under any section / subsection. Furthermore, embodiments described in any section / subsection can be combined with any other embodiment described in the same section / subsection and / or any other section / subsection in any manner.

[0025] In the description of embodiments of the disclosure, the term "includes" and its conjugates are to be construed as open-ended, i.e., "includes but is not limited to." The term "based on" is to be construed as "based at least in part on." The term "one embodiment" or "an embodiment" is to be construed as "at least one embodiment." The term "some embodiments" is to be construed as "at least some embodiments." The terms "a or an" are to be construed as "one or more" unless explicitly stated to the contrary. The terms "first," "second," etc. are to be construed as "different or similar" unless explicitly stated to the contrary. The following detailed description is presented in terms of a number of examples, with the understanding that the

[0026] As briefly mentioned above, with the development of computer technology, electronic payment as a convenient and efficient payment method has been widely used in the world. Traditionally, a payment page can support selecting different payment methods and can provide benefit information corresponding to different payment methods. However, the traditional method usually associates the corresponding benefits with the payment methods, which leads to the confusion of the display of the benefit information, and it is difficult for the user to efficiently understand the corresponding benefit information.

[0027] To this end, embodiments of the present disclosure propose a scheme for electronic payment. According to various embodiments of the present disclosure, a payment page is presented in a target window, the payment page provides a set of candidate payment methods; and in response to a target payment method in the set of candidate payment methods being in a selected state, a benefit description information corresponding to the target payment method is presented according to a target display mode corresponding to the target payment method, the benefit description information is used to indicate a target benefit corresponding to the target payment method, and the target display mode at least indicates a display position of the benefit description information.

[0028] In this way, embodiments of the present disclosure can dynamically determine the display mode of the benefit description information corresponding to different payment methods, for example, the display position. Thus, embodiments of the present disclosure can more clearly display the benefit description information to help the user more intuitively and accurately understand the benefits corresponding to different payment methods.

[0029] In some example embodiments of the present disclosure, payment amount discounts are used as examples of benefits. However, it should be understood that the examples of payment amount discounts are for illustrative purposes only and should not be construed as a limitation of the benefits. In fact, the benefits of the present disclosure can be any benefit that a user enjoys in virtual resources. Virtual resources include, but are not limited to, coupons, electronic money, virtual points, electronic vouchers, and the like.

[0030] Example embodiments of the present disclosure are described below with reference to the accompanying drawings.

[0031] Example Environment

[0032] FIG. 1 shows a schematic diagram of an example environment 100 in which embodiments of the present disclosure can be implemented. As shown in FIG. 1, the example environment 100 can include an electronic device 110.

[0033] In this example environment 100, the electronic device 110 can run an application 120 for electronic payment. The application 120 can be any suitable type of application for electronic payment, examples of which can include, but are not limited to, an online shopping application, a content sharing application, etc. A user 140 can interact with the application 120 via the electronic device 110 and / or its attached devices.

[0034] In the environment 100 of FIG. 1, the electronic device 110 can present an interface 150 corresponding to the application 120 if the application 120 is in an active state. The interface 150 can include various pages provided by the application 120, such as pages for electronic payment. For example, the electronic device 110 can present an electronic payment page in the interface 150, which can include information related to electronic payment such as order information, item information, and payment methods, etc.

[0035] In some embodiments, the electronic device 110 communicates with a server 130 to implement the provisioning of services for the application 120. The server 130 can provide functions related to the management, configuration, maintenance, etc. of the application or website.

[0036] The electronic device 110 can be any type of mobile terminal, fixed terminal, or portable terminal including a mobile handset, a desktop computer, a laptop computer, a notebook computer, a netbook computer, a tablet computer, a media player, a multimedia tablet, a palmtop computer, a portable gaming terminal, a VR / AR device, a Personal Communication System (PCS) terminal, a personal navigation device, a Personal Digital Assistant (PDA), an audio / video player, a digital camera / camcorder, a positioning device, a television receiver, a radio broadcast receiver, an electronic book device, a game device, or any combination thereof, including the accessories and peripherals of these devices, or any combination thereof. In some embodiments, the electronic device 110 can also be capable of supporting any type of interface to a user (such as “wearable” circuitry, etc.).

[0037] The server 130 can be a standalone physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud service, cloud database, cloud computing, cloud function, cloud storage, network service, cloud communication, middleware service, domain name service, security service, content distribution network, and basic cloud computing services such as big data and artificial intelligence platform. The server 130 may, for example, include a computing system / server, such as a mainframe, an edge computing node, a computing device in a cloud environment, and the like. The server 130 can provide background services for the application 120 in the electronic device 110 that supports electronic payment.

[0038] A communication connection can be established between the server 130 and the electronic device 110. The communication connection can be established by wired or wireless means. The communication connection can include, but is not limited to, a Bluetooth connection, a mobile network connection, a Universal Serial Bus (USB) connection, a Wireless Fidelity (WiFi) connection, and the like, and embodiments of the present disclosure are not limited in this regard. In embodiments of the present disclosure, the server 130 and the electronic device 110 can achieve signaling interaction through the communication connection therebetween.

[0039] It should be understood that the structure and function of the various elements in the environment 100 are described for illustrative purposes only, without implying any limitation on the scope of the present disclosure.

[0040] Various example implementations of the present disclosure will be described in detail below.

[0041] Example interaction

[0042] The example interaction process of electronic payment according to embodiments of the present disclosure will be described below with reference to FIGS. 2A-2F. FIGS. 2A-2F show example electronic payment interfaces 200A-200F according to some embodiments of the present disclosure. Such example electronic payment interfaces can be implemented by a suitable electronic device or combination of electronic devices (e.g., the electronic device 110, the server 130, or a combination of one or more of these devices in FIG. 1).

[0043] In some scenarios, the electronic device 110 can present a page for online shopping, such as an online mall. As an example, the electronic device 110 can receive a user order creation request for a target object, for example, a user selection of a purchase control. Accordingly, as shown in FIG. 2A, the electronic device 110 can present a payment page 205 as shown in FIG. 2A in a target window 200A accordingly. In some scenarios, the payment page 205 is also referred to as a checkout page.

[0044] In some embodiments, the payment page can provide a set of candidate payment methods. As shown in FIG. 2A, the payment page can include a plurality of selection controls corresponding to a plurality of candidate payment methods, e.g., selection control 225-1, selection control 225-2, selection control 225-3, and selection control 225-4 (individually or collectively referred to as selection controls 225).

[0045] In some embodiments, a user can select a target payment method, e.g., through an interaction with the selection controls 225. For example, the user can select the second payment method through a triggering of the selection control 225-2. Accordingly, as shown in FIG. 2A, the selected second payment method can be in a selected state.

[0046] In some embodiments, a particular payment method among the plurality of candidate payment methods can also be initially set in the selected state. For example, the second payment method can be in the selected state by default when the payment page is triggered to be presented, and the user can further modify the selected payment method through the selection controls 225.

[0047] In some embodiments, as shown in FIG. 2A, the electronic device 110 can present, in the payment page 205, benefit description information corresponding to the selected target payment method.

[0048] In some embodiments, the electronic device 110 can determine a target presentation mode corresponding to the selected target payment method, and can present the benefit description information in the payment page according to the determined target presentation mode. In this way, the electronic device 110 can dynamically determine the presentation mode of the benefit description information, rather than presenting the benefit description information in a fixed presentation mode.

[0049] In some embodiments, the target presentation mode can indicate a location where the benefit description information is presented. Illustratively, the target presentation mode can indicate whether to display the benefit description information in the preset region 210 of the payment page or to display the benefit description information at the selection control 225 corresponding to the target payment method.

[0050] In some embodiments, the target presentation mode corresponding to the target payment method can be determined based on a set of benefits corresponding to a set of candidate payment methods provided in the payment page. It should be appreciated that the target presentation mode can be determined by the electronic device 110 and / or the server 130. The benefit can include any appropriate type of payment benefit, including but not limited to a discount of a payment amount, a reduction of a virtual resource required for payment. Examples of the benefit can be, e.g., discount information, coupon information, or virtual credit information, etc.

[0051] In some embodiments, in response to the set of benefits corresponding to the set of candidate payment methods corresponding to different benefit types, the target display mode can be a first display mode, where the first display mode indicates presenting the benefit description information at the selection control corresponding to the target payment method.

[0052] Specifically, as shown in FIG. 3, at block 305, the electronic device 110 and / or the server 130 can determine whether the benefit types corresponding to the set of candidate payment methods are the same. If not, the process can proceed to block 310, i.e., the electronic device 110 can display the corresponding benefit description information in association with the target payment method.

[0053] In some embodiments, the benefit type can indicate whether the benefit corresponds to a determined benefit content. For example, a first benefit type can indicate that the benefit corresponds to a fixed benefit content, e.g., a fixed discount amount. A second benefit type can indicate that the benefit corresponds to a random benefit content, e.g., a randomly determined discount amount within a certain range.

[0054] As an example, as shown in FIG. 2B, if the first payment method to the fourth payment method are associated with different types of benefits, the electronic device 110 can display the benefit description information 230 corresponding to each payment method at the selection control 225 to indicate the corresponding benefit.

[0055] Alternatively, the electronic device 110 can also only display the benefit description information 230 corresponding to the selected specific payment method (e.g., the first payment method) at the selection control 225 corresponding to the selected payment method.

[0056] As an example, the benefit description information can indicate the benefit content corresponding to each payment method, e.g., “random discount, up to XX yuan” or “XX yuan off”.

[0057] In some embodiments, in response to the set of benefits corresponding to the set of candidate payment methods corresponding to the same benefit type, it can be determined to display the benefit description information in a preset area of the target window, and the preset area also presents the payment amount corresponding to the target payment method.

[0058] As shown in FIG. 2A, the electronic device 110 can display the benefit description information 220 corresponding to the selected second payment method in the preset area 210 of the payment page 205. In some embodiments, the preset area 210 can also display the payment amount 215 corresponding to the selected second payment method.

[0059] In some embodiments, the benefit description information 220 displayed in the preset area 210 can include one or more tag items. In some embodiments, if the set of candidate payment methods provided in the payment page 205 all correspond to the first benefit type described above, the electronic device 110 can display the benefit description information 220 according to a second display mode. The second display mode indicates displaying the target benefit corresponding to the selected payment method with at least one tag item.

[0060] In some embodiments, the number of the at least one tag item included in the benefit description information 220 is determined based on a comparison between the target benefit corresponding to the selected payment method and the set of benefits corresponding to the set of candidate payment methods.

[0061] Specifically, as shown in FIG. 3, the electronic device 110 and / or the server 130 can determine whether the set of payment methods corresponds to the same first benefit type or the second benefit type. If corresponding to the first benefit type, at block 320, the electronic device 110 and / or the server 130 can determine a base benefit based on the set of benefits.

[0062] In some embodiments, the base benefit indicates a common benefit content (also referred to as a platform benefit) provided by the set of candidate payment methods. Taking an example that the set of candidate payment methods all provide a determined discount amount, the base benefit can be the minimum discount amount provided in the set of candidate payment methods. For example, if the discount amount of the first payment method is X1, the discount amount of the second payment method is X2, the discount amount of the third payment method is X3, and the discount amount of the fourth payment method is X4, the base benefit can be the minimum value among X1 to X4.

[0063] Further, at block 320, the electronic device 110 and / or the server 130 can further determine an additional benefit (also referred to as a channel benefit) corresponding to the selected target payment method. In some embodiments, the additional benefit can indicate the difference between the target benefit corresponding to the selected payment method and the determined base benefit.

[0064] For example, if the minimum value among the first payment method to the fourth payment method is X2, the additional benefit corresponding to the second payment method is zero, the additional benefit corresponding to the first payment method is “X1-X2”, the additional benefit corresponding to the third payment method is “X3-X2”, and the additional benefit corresponding to the fourth payment method is “X4-X2”.

[0065] As shown in FIG. 2A, the currently selected payment method is a second payment method, which does not include an additional benefit (i.e., the additional benefit is zero). Accordingly, the electronic device 110 can display the benefit description information with a single label item (also referred to as a first label item). As an example, the first label item can indicate the base benefit corresponding to the set of candidate payment methods.

[0066] In some embodiments, the first label item can include two parts, where the first part may, for example, include a preset first benefit identifier, such as “Platform Offer”. The second part may, for example, include content (also referred to as first content) describing the base benefit, such as “Offer 1”.

[0067] In some embodiments, as shown in FIG. 2C, the user may, for example, set the first payment method to a selected state by selecting the control 225-1. Accordingly, the electronic device 110 can update the content displayed in the preset area 210 to display the payment amount 215 corresponding to the first payment method and the corresponding benefit description information 230.

[0068] Continuing the example above, the first payment method may, for example, correspond to a base benefit (i.e., X2) and an additional benefit (i.e., X2-X1). Accordingly, the electronic device 110 can display the corresponding benefit description information 230 with multiple label items.

[0069] In particular, the electronic device 110 can utilize the first label item described above to represent the base benefit. Further, the electronic device 110 can also utilize a second label item to represent the additional benefit corresponding to the first payment method.

[0070] In some embodiments, the second label item can include two parts, where the first part can display a second benefit identifier corresponding to the target payment method. As an example, the second benefit identifier can include the name of the target payment method. Additionally, the second part can include content (also referred to as second content) describing the additional benefit, such as “Offer 2”. As an example, “Offer 2” can represent that the additional benefit of the first payment method is “X1-X2”.

[0071] Thus, in the case where multiple candidate payment methods correspond to a first benefit type, the electronic device 110 can display the corresponding target benefit with one or more label items, where different label items can correspond to different types of benefits, such as a base benefit or an additional benefit. Accordingly, this display mode can be referred to as a second display mode.

[0072] In some scenarios, the benefits can correspond to the number of virtual resources that a user can obtain after payment. As an example, payment through different payment manners can result in different numbers of virtual resources, and the benefit corresponding to the payment manner that results in the least number of virtual resources can be the basic benefit. Alternatively, the difference in the number of virtual resources that can be obtained between different benefits corresponds to the additional benefit. For example, payment through a first payment manner can result in 50 virtual resources, and payment through a second payment manner can result in 70 virtual resources. The difference between the virtual resources that can be obtained through the first payment manner and the second payment manner is 20 virtual resources, and the 20 virtual resources correspond to the additional benefit.

[0073] With continued reference to FIG. 3, if it is determined at block 315 that the set of payment manners all correspond to the second benefit type (i.e., random benefit content), the electronic device 110 or the server 130 can determine, at block 330, the benefit description information to be displayed based on the set of benefits corresponding to the set of payment manners.

[0074] In some embodiments, in the case where the set of payment manners all correspond to the second benefit type, the benefit description information corresponding to the set of payment manners can have the same content, and the content can describe a preset benefit in the set of benefits. Accordingly, this display mode can be referred to as a third display mode.

[0075] Taking an example in which the first payment manner to the fourth payment manner all correspond to benefits of random amounts, the common benefit description information can indicate the maximum value of the random amounts. For example, the highest amount of the random discount corresponding to the first payment manner is Y1, the highest amount of the random discount corresponding to the second payment manner is Y2, the highest amount of the random discount corresponding to the third payment manner is Y3, and the highest amount of the random discount corresponding to the fourth payment manner is Y4. If Y2 is the maximum value among Y1 to Y4, the common benefit description information corresponding to the set of payment manners can include a single label item indicating that the maximum value of the random amounts is Y2.

[0076] Accordingly, as shown in FIG. 3, at 335, the electronic device can display the determined benefit description information.

[0077] The above describes different examples of determining benefit description information in different scenarios. Based on the above-described processes, embodiments of the present disclosure can dynamically determine the display mode, e.g., the display position, of the benefit description information corresponding to different payment manners. Thus, embodiments of the present disclosure can more clearly display the benefit description information to help the user more intuitively and accurately understand the benefits corresponding to different payment manners.

[0078] In some embodiments, as shown in FIG. 2D, the electronic device 110 can present a prompt window 240 in the interface 200D in response to receiving the request to exit the payment page. The prompt window 240 is used to present prompt content, which may, for example, be the difference between the benefits corresponding to different payment methods.

[0079] As an example, the prompt content in the prompt window 240 may, for example, include the benefit corresponding to the current payment method and the benefit of the payment method with the greatest discount among the plurality of payment methods. For example, the benefit of the first payment method is “8 off”, and the benefit of the second payment method is “5 off”. The electronic device 110 can present “8 off” and “5 off” in the prompt window in response to receiving the request to exit the payment page, so as to reflect the difference between the benefits of different payment methods. In this way, the difference between the benefits of different payment methods can be reflected, so as to present the payment method with the greatest discount, thereby improving the order completion rate.

[0080] In some scenarios, the prompt window 240 can also include prompt information indicating the payment method associated with the benefit. The electronic device 110 can stop displaying the prompt window 240 in response to selection of the continue payment control. Further, the electronic device 110 can set the payment method associated with the benefit to a selected state, and the electronic device 110 can also present the benefit description information in the region 210.

[0081] As an example, when the electronic device 110 stops displaying the prompt window, the electronic device 110 can present the benefit description information corresponding to the benefit in a preset position. Further, the electronic device 110 can also set the payment method associated with the benefit, i.e., the first payment method, to a selected state.

[0082] In some embodiments, the electronic device 110 can display the selected target payment method in a top suction manner. Specifically, the electronic device 110 can display target content in a preset position of the payment page in response to at least part of the selection control being moved outside the display area of the target window, the target content being used to indicate the selected target payment method.

[0083] As an example, as shown in FIG. 2E, the electronic device 110 can display target content 250 used to indicate the selected target payment method in a top suction manner in the payment page in response to part of the selection control of the target payment method being outside the display area of the target window, or the selection control of the target payment method being entirely outside the display area of the target window.

[0084] In some scenarios, when part or all of the selection control of the target payment method is outside the display area of the target window, the electronic device 110 can present the target payment method in the display area of the target window in response to the selection of the target content 250 by the user 140. For example, when the user 140 clicks on the target content 250, the electronic device 110 can switch the content of the current display area to the selection control of the target payment method.

[0085] In some embodiments, when the content in the display area of the target window changes due to the user's interaction operation, the target content 250 can remain displayed in the target window. Specifically, the electronic device 110 can adjust the display area of the target window in response to the received interaction operation. Further, the electronic device 110 maintains the display of the target content at the preset position in response to the selection control being outside the adjusted display area.

[0086] As an example, as shown in FIG. 2E, when the content in the display area of the target window changes, but the selection control of the target payment method is still outside the display area, the electronic device 110 can maintain the presentation of the target content 250 in the target window.

[0087] In some embodiments, when the selection control corresponding to the target payment method is re-presented in the display area in the target window, the target content 250 will be stopped from being presented. Specifically, the electronic device 110 can stop displaying the target content at the preset position in response to the selection control being within the adjusted display area. As an example, when the selection control associated with the target payment method is re-presented in the display area in the target window, the electronic device 110 can no longer display the target content 250.

[0088] In some embodiments, when the user 140 determines the payment method, the order can be submitted by clicking on the payment control. The electronic device 110 can obtain a payment request in response to the selection of the payment control by the user. Further, the electronic device 110 can adjust the display area of the payment page in the target window to display the selected target payment method in the target window.

[0089] As an example, as shown in FIG. 2F, the electronic device 110 can present an information input interface 260 in the interface 200F after receiving the payment request. Further, the electronic device 110 can adjust the target window to display the selection control 225-2 of the second payment method (i.e., the target payment method).

[0090] In this way, the target payment method is presented at all times during the entire payment process, enabling the user to more intuitively know the selected payment method, thereby enabling the user to conveniently adjust the selected payment method.

[0091] Example process

[0092] FIG. 4 shows a flowchart of an example process 400 of electronic payment, according to some embodiments of the present disclosure. The process 400 can be implemented at the electronic device 110. The process 400 is described below with reference to FIG. 1.

[0093] As shown in FIG. 4, at block 410, the electronic device 110 presents, in a target window, a payment page that provides a set of candidate payment methods.

[0094] At block 420, the electronic device 110 presents, in response to a target payment method in the set of candidate payment methods being in a selected state, benefit description information corresponding to the target payment method according to a target presentation mode corresponding to the target payment method, the benefit description information being indicative of a target benefit corresponding to the target payment method, the target presentation mode being indicative of at least a display location of the benefit description information.

[0095] In some embodiments, the target presentation mode is determined based on a set of benefits corresponding to the set of candidate payment methods.

[0096] In some embodiments, the target presentation mode is determined based on a process that, in response to the set of benefits corresponding to different benefit types, determines a first presentation mode as the target presentation mode, the first presentation mode being indicative of presenting the benefit description information at a selection control corresponding to the target payment method.

[0097] In some embodiments, the target presentation mode is determined based on a process that, in response to the set of benefits corresponding to a same benefit type, determines to display the benefit description information in a preset area of the target window, the preset area also presenting a payment amount corresponding to the target payment method.

[0098] In some embodiments, the target presentation mode is determined based on a process that, in response to the set of benefits corresponding to a first benefit type, determines a second presentation mode as the target presentation mode, the first benefit type corresponding to determined benefit content, the second presentation mode being indicative of presenting the target benefit with at least one label item.

[0099] In some embodiments, a number of the at least one label item is determined based on a comparison of the target benefit and the set of benefits.

[0100] In some embodiments, the target presentation mode is determined based on a process that, in response to the set of benefits corresponding to a second benefit type, determines a third presentation mode as the target presentation mode, the second benefit type corresponding to random benefit content, the third presentation mode being indicative of presenting the target benefit with a single label item.

[0101] In some embodiments, the benefit description information corresponding to the set of candidate payment methods has a same content, and the content describes a preset benefit in the set of benefits.

[0102] In some embodiments, the benefit description information includes at least one label item, and the target presentation mode further indicates at least one of: a number of the at least one label item; and a type of the at least one label item.

[0103] In some embodiments, the at least one label item includes: a first label item indicating a base benefit corresponding to the set of candidate payment methods; and a second label item indicating an additional benefit corresponding to the target payment method.

[0104] In some embodiments, the base benefit indicates a common benefit content provided by the set of candidate payment methods, and the additional benefit indicates a difference between the target benefit and the base benefit.

[0105] In some embodiments, the first label item includes: a preset first benefit identifier; and a first content describing the base benefit.

[0106] In some embodiments, the second label item includes: a second benefit identifier corresponding to the target payment method; and a second content describing the additional benefit.

[0107] In some embodiments, the payment page includes a selection control corresponding to the target payment method, and the process 400 further includes: in response to at least a portion of the selection control being moved outside the presentation area of the target window, displaying target content at a preset position of the payment page, the target content being used to indicate the selected target payment method.

[0108] In some embodiments, the process 400 further includes: in response to the received interaction operation, adjusting the presentation area of the target window; and in response to the selection control being outside the adjusted presentation area, maintaining the display of the target content at the preset position.

[0109] In some embodiments, the process 400 further includes: in response to the selection control being within the adjusted presentation area, stopping the display of the target content at the preset position.

[0110] In some embodiments, the process 400 further includes: in response to receiving the payment request, adjusting a display area of the payment page in the target window to display the selected target payment method in the target window.

[0111] In some embodiments, the process 400 further includes: in response to receiving a request to exit the payment page, presenting a prompt window, the prompt window presenting prompt content associated with an additional payment method in the set of candidate payment methods, the prompt content indicating at least a difference between a benefit corresponding to the additional payment method and the target benefit.

[0112] In some embodiments, the process 400 further includes: in response to receiving the preset operation for the prompt content, setting an additional payment method in the payment page to a selected state.

[0113] Example apparatus and device

[0114] Embodiments of the present disclosure also provide a corresponding apparatus for implementing the above method or process. FIG. 5 shows a schematic structural block diagram of an apparatus 500 for electronic payment according to certain embodiments of the present disclosure. The apparatus 500 can be implemented as or included in the electronic device 110. Various modules / components in the apparatus 500 can be implemented by hardware, software, firmware, or any combination thereof.

[0115] As shown in FIG. 5, the apparatus 500 includes a first presentation module 510 configured to present a payment page in a target window, the payment page providing a set of candidate payment methods; and a second presentation module 520 configured to present, in response to a target payment method in the set of candidate payment methods being in a selected state, benefit description information corresponding to the target payment method according to a target presentation mode corresponding to the target payment method, the benefit description information being used to indicate a target benefit corresponding to the target payment method, the target presentation mode being at least indicative of a display position of the benefit description information.

[0116] In some embodiments, the target presentation mode is determined based on a set of benefits corresponding to the set of candidate payment methods.

[0117] In some embodiments, the target presentation mode is determined based on the following process: in response to the set of benefits corresponding to different benefit types, determining a first presentation mode as the target presentation mode, the first presentation mode being indicative of presenting the benefit description information at a selection control corresponding to the target payment method.

[0118] In some embodiments, the target presentation mode is determined based on the following process: in response to the set of benefits corresponding to the same benefit type, determining to display the benefit description information in a preset area of the target window, the preset area also presenting a payment amount corresponding to the target payment method.

[0119] In some embodiments, the target presentation mode is determined based on the following process: in response to the set of benefits corresponding to a first benefit type, determining a second presentation mode as the target presentation mode, the first benefit type corresponding to determined benefit content, the second presentation mode being indicative of presenting the target benefit with at least one label item.

[0120] In some embodiments, a number of the at least one label item is determined based on a comparison between the target benefit and the set of benefits.

[0121] In some embodiments, the target display mode is determined based on a process that, in response to the set of benefits corresponding to a second benefit type, determines a third display mode as the target display mode, the second benefit type corresponds to a random benefit content, and the third display mode indicates displaying the target benefit in a single label item.

[0122] In some embodiments, the benefit description information corresponding to the set of candidate payment methods has a same content, and the content describes a preset benefit in the set of benefits.

[0123] In some embodiments, the benefit description information includes at least one label item, and the target display mode further indicates at least one of: a number of the at least one label item; a type of the at least one label item.

[0124] In some embodiments, the at least one label item includes: a first label item indicating a base benefit corresponding to the set of candidate payment methods; and a second label item indicating an additional benefit corresponding to the target payment method.

[0125] In some embodiments, the base benefit indicates a common benefit content provided by the set of candidate payment methods, and the additional benefit indicates a difference between the target benefit and the base benefit.

[0126] In some embodiments, the first label item includes: a preset first benefit identifier; and a first content describing the base benefit.

[0127] In some embodiments, the second label item includes: a second benefit identifier corresponding to the target payment method; and a second content describing the additional benefit.

[0128] In some embodiments, the payment page includes a selection control corresponding to the target payment method, and the apparatus 500 further includes a target content display module configured to, in response to at least a portion of the selection control being moved outside the display area of the target window, display target content at a preset position of the payment page, the target content being used to indicate the selected target payment method.

[0129] In some embodiments, the target content display module is further configured to, in response to the received interaction operation, adjust the display area of the target window; and in response to the selection control being outside the adjusted display area, maintain the display of the target content at the preset position.

[0130] In some embodiments, the target content display module is further configured to, in response to the selection control being inside the adjusted display area, stop the display of the target content at the preset position.

[0131] In some embodiments, the apparatus 500 further includes an adjusting module, configured to, in response to receiving the payment request, adjust a display area of the payment page in the target window to display the selected target payment method in the target window.

[0132] In some embodiments, the apparatus 500 further includes a prompt window presenting module, configured to, in response to receiving the request to exit the payment page, present a prompt window, the prompt window presenting prompt content associated with an additional payment method in the set of candidate payment methods, the prompt content at least indicating a difference between a benefit corresponding to the additional payment method and the target benefit.

[0133] In some embodiments, the apparatus 500 further includes a setting module, configured to, in response to receiving a preset operation on the prompt content, set the additional payment method in the payment page to a selected state.

[0134] The units included in the apparatus 500 can be implemented by various means, including software, hardware, firmware, or any combination of these. In some embodiments, one or more units can be implemented using software and / or firmware, e.g., machine-executable instructions stored on a storage medium. In addition or as an alternative, part or all of the units included in the apparatus 500 can be implemented by one or more hardware logic components. As an example and not by way of limitation, example types of hardware logic components that can be used include Field-Programmable Gate Arrays (FPGAs), Application-Specific Integrated Circuits (ASICs), Application-Specific Standard Products (ASSPs), System-on-a-Chip (SOCs), Complex Programmable Logic Devices (CPLDs), etc.

[0135] FIG. 6 shows a block diagram of an electronic device 600 in which one or more embodiments of the disclosure can be implemented. It should be understood that the electronic device 600 shown in FIG. 6 is merely an example and should not be construed to limit the functionality and scope of the embodiments described herein. The electronic device 600 shown in FIG. 6 can be used to implement the electronic device 110 of FIG. 1.

[0136] As shown in FIG. 6, the electronic device 600 is in the form of a general electronic device. Components of the electronic device 600 can include, but are not limited to, one or more processing units or processors 610, a memory 620, a storage device 630, one or more communication units 640, one or more input devices 650, and one or more output devices 660. The processor 610 can be a real or virtual processor and is capable of performing various processes according to programs stored in the memory 620. In a multi-processor system, multiple processors perform computer-executable instructions in parallel to improve the parallel processing capability of the electronic device 600.

[0137] The electronic device 600 typically includes a plurality of computer storage media. Such media can be any available media that is accessible by the electronic device 600 and includes both volatile and nonvolatile media, removable and non-removable media. The memory 620 can be volatile (such as register, cache, RAM), non-volatile (such as ROM, EEPROM, flash memory), or some combination of the two. The storage device 630 can be a removable or non-removable media, and can include machine-readable media, such as flash drives, magnetic disks, or any other media that can be used to store information and / or data and that can be accessed by the electronic device 600.

[0138] The electronic device 600 can further include additional removable / non-removable, volatile / non-volatile storage media. Although not shown in FIG. 6, a disk drive for reading from or writing to a removable, non-volatile magnetic disk (e.g., a "floppy disk"), and an optical disk drive for reading from or writing to a removable, non-volatile optical disk (e.g., a CD-ROM) can be provided. In such instances, each drive can be connected to the bus (not shown) by one or more data media interfaces. The memory 620 can include a computer program product 625 having one or more program modules configured to carry out the various methods or actions of the various embodiments of the present disclosure.

[0139] The communication unit 640 enables communications with other electronic devices over a communication medium. Additionally, the functionality of the components of the electronic device 600 can be implemented in a single computing cluster or a plurality of computer machines that are capable of communicating with one another over a communication connection. As such, the electronic device 600 can operate in a networked environment using logical connections to one or more other servers, network personal computers (PCs), or another network nodes.

[0140] The input device 650 can be one or more input devices, such as a mouse, a keyboard, a trackball, etc. The output device 660 can be one or more output devices, such as a display, a speaker, a printer, etc. The electronic device 600 can also communicate with one or more external devices (not shown) such as a storage device, a display device, etc. through the communication unit 640, as needed, one or more devices that enable a user to interact with the electronic device 600, or any devices (e.g., a network card, a modem, etc.) that enable the electronic device 600 to communicate with one or more other electronic devices. Such communication can be carried out via an input / output (I / O) interface (not shown).

[0141] According to an example implementation of the present disclosure, a computer readable storage medium is provided having computer executable instructions stored thereon, where the computer executable instructions are executed by a processor to implement the method described above. According to an example implementation of the present disclosure, a computer program product is also provided that is tangibly stored on a non-transitory computer readable medium and includes computer executable instructions, where the computer executable instructions are executed by a processor to implement the method described above.

[0142] The computer readable program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other 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.

[0143] The computer readable program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other 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.

[0144] The computer readable program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other 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.

[0145] The computer program product of the present disclosure can have a signal including said computer program. This signal can be electronic, electromagnetic, optical, or any other suitable type of signal. Such a signal can be provided through a communication connection, such as electrical wiring, optical fiber, wireless interface, etc. Examples of computer program products include computer program implemented on a personal computer, server, or other networked device. A non-transitory computer readable medium, such as a floppy disk, CD-ROM, DVD-ROM, Blu-ray Disc, hard disk drive, or any other suitable non-transitory computer readable medium can store the computer program product.

[0146] Various implementations of the disclosure have been described in detail above. The foregoing description is exemplary and explanatory only, and is not intended to be exhaustive or to limit various implementations of the disclosure to the precise forms disclosed. Many modifications and variations are possible in light of the above teachings without departing from the scope and spirit of the disclosure. It is intended that the scope of the disclosure be limited only by the claims and the equivalents thereof. The use of the terms "including," "containing," "comprising," "having," "in involving," "portions," "elements," "components," "steps," "phases," "processes," "operations," "steps," "stages," "procedures," "methods," "mechanisms," "devices," "systems," "apparatuses," "units," "means," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "apparatuses," "units," "devices," "systems," "

Claims

1. A method for electronic payment, comprising: presenting a payment page in a target window, the payment page providing a set of candidate payment methods; and in response to a target payment method in the set of candidate payment methods being in a selected state, presenting benefit description information corresponding to the target payment method according to a target presentation mode corresponding to the target payment method, the benefit description information being used to indicate a target benefit corresponding to the target payment method, the target presentation mode being indicative of at least a display position of the benefit description information. 2.The method of claim 1, wherein the target presentation mode is determined based on a set of benefits corresponding to the set of candidate payment methods. 3.The method of claim 2, wherein the target presentation mode is determined based on a process comprising: in response to the set of benefits corresponding to different benefit types, determining a first presentation mode as the target presentation mode, the first presentation mode being indicative of presenting the benefit description information at a selection control corresponding to the target payment method. 4.The method of claim 2, wherein the target presentation mode is determined based on a process comprising: in response to the set of benefits corresponding to a same benefit type, determining to display the benefit description information in a preset area of the target window, the preset area also presenting a payment amount corresponding to the target payment method. 5.The method of claim 4, wherein the target presentation mode is determined based on a process comprising: in response to the set of benefits corresponding to a first benefit type, determining a second presentation mode as the target presentation mode, the first benefit type corresponding to determined benefit content, the second presentation mode being indicative of presenting the target benefit in at least one label item. 6.The method of claim 5, wherein a number of the at least one label item is determined based on a comparison between the target benefit and the set of benefits. 7.The method of claim 4, wherein the target presentation mode is determined based on a process comprising: in response to the set of benefits corresponding to a second benefit type, determining a third presentation mode as the target presentation mode, the second benefit type corresponding to random benefit content, the third presentation mode being indicative of presenting the target benefit in a single label item. 8.The method of claim 7, wherein the benefit description information corresponding to the set of candidate payment methods has a same content, and the content describes a preset benefit in the set of benefits. 9.The method of claim 1, wherein the benefit description information comprises at least one label item, and the target presentation mode is further indicative of at least one of: a number of the at least one label item; a type of the at least one label item. 10.The method of claim 9, wherein the at least one label item comprises: a first label item, the first label item being indicative of a base benefit corresponding to the set of candidate payment methods; and a second label item, the second label item being indicative of an additional benefit corresponding to the target payment method. ​ 11.The method of claim 10, wherein the base benefit indicates a common benefit content provided by the set of candidate payment methods, and the additional benefit indicates a difference between the target benefit and the base benefit. 12.The method of claim 10, wherein the first label item comprises: a preset first benefit identifier; and a first content for describing the base benefit. 13.The method of claim 10, wherein the second label item comprises: a second benefit identifier corresponding to the target payment method, and a second content for describing the additional benefit. 14.The method of claim 1, wherein the payment page comprises a selection control corresponding to the target payment method, the method further comprising: in response to at least a portion of the selection control being moved outside a display area of the target window, displaying target content at a preset position of the payment page, the target content being used to indicate the selected target payment method. 15.The method of claim 14, further comprising: in response to a received interaction operation, adjusting the display area of the target window; and in response to the selection control being outside the adjusted display area, maintaining the display of the target content at the preset position. 16.The method of claim 15, further comprising: in response to the selection control being inside the adjusted display area, stopping the display of the target content at the preset position. 17.The method of claim 1, further comprising: in response to receiving a payment request, adjusting a display area of the payment page in the target window to display the selected target payment method in the target window. 18.The method of claim 1, further comprising: in response to receiving a request to exit the payment page, presenting a prompt window, the prompt window presenting prompt content associated with an additional payment method in the set of candidate payment methods, the prompt content at least indicating a difference between a benefit corresponding to the additional payment method and the target benefit. 19.The method of claim 18, further comprising: in response to receiving a preset operation on the prompt content, setting the additional payment method in the payment page to a selected state. 20.An apparatus for electronic payment, comprising: a first presentation module configured to present a payment page in a target window, the payment page providing a set of candidate payment methods; and a second presentation module configured to, in response to a target payment method in the set of candidate payment methods being in a selected state, present benefit description information corresponding to the target payment method according to a target display mode corresponding to the target payment method, the benefit description information being used to indicate a target benefit corresponding to the target payment method, the target display mode at least indicating a display position of the benefit description information. 21.An electronic device, comprising: at least one processor; and ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ at least one memory coupled to the at least one processor and storing instructions for execution by the at least one processor, the instructions, when executed by the at least one processor, cause the electronic device to perform the method according to any one of claims 1-19.

22. A computer-readable storage medium having computer-executable instructions stored thereon that, when executed by a processor, perform the method according to any one of claims 1-19.

23. A computer program product tangibly stored in a computer storage medium and comprising computer-executable instructions that, when executed by a device, cause the device to perform the method according to any one of claims 1-19.

Images