CN110659894A - Information processing method, device, equipment and computer readable storage medium - Google Patents
Information processing method, device, equipment and computer readable storage medium Download PDFInfo
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- CN110659894A CN110659894A CN201910877020.XA CN201910877020A CN110659894A CN 110659894 A CN110659894 A CN 110659894A CN 201910877020 A CN201910877020 A CN 201910877020A CN 110659894 A CN110659894 A CN 110659894A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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Abstract
The invention discloses an information processing method, an information processing device, information processing equipment and a computer readable storage medium. The information processing method comprises the following steps: under the condition that the electronic equipment is in a preset coverage area of the wireless access equipment, responding to the received payment request, and acquiring a broadcast signal of the wireless access equipment; determining merchant information associated with the wireless access equipment according to the information carried by the broadcast signal; and generating a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access equipment. According to the embodiment of the invention, the payment interactive interface can be generated simply, quickly and efficiently, so that the payment efficiency is improved.
Description
Technical Field
The present invention belongs to the field of information processing technologies, and in particular, to an information processing method, apparatus, device, and computer-readable storage medium.
Background
The existing payment methods of electronic devices include: code scanning payment and Near Field Communication (NFC) payment.
The NFC payment needs to be modified for hardware of the electronic equipment, so that the electronic equipment which does not support the NFC technology cannot realize the NFC payment function, and the code scanning payment does not need to be modified for hardware of the electronic equipment, and the NFC payment method can be suitable for most of electronic equipment.
The code scanning payment process comprises two forms of active code scanning and passive code scanning, wherein in the form of active code scanning, a user is required to open a payment application program, the payment application program is used for scanning a cash collection code of a merchant, and then a payment interactive interface is generated.
The above-mentioned process of generating the payment interactive interface is complex, so that the operations of the user and the merchant are cumbersome, and the payment efficiency is reduced.
Disclosure of Invention
Embodiments of the present invention provide an information processing method, apparatus, device, and computer-readable storage medium, which can generate a payment interaction interface simply, quickly, and efficiently to improve payment efficiency.
In a first aspect, an embodiment of the present invention provides an information processing method, including:
under the condition that the electronic equipment is in a preset coverage area of the wireless access equipment, responding to the received payment request, and acquiring a broadcast signal of the wireless access equipment;
determining merchant information associated with the wireless access equipment according to the information carried by the broadcast signal;
and generating a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access equipment.
In a second aspect, an embodiment of the present invention provides an information processing apparatus, including:
the system comprises a broadcast signal acquisition module, a payment processing module and a payment processing module, wherein the broadcast signal acquisition module is configured to respond to a received payment request to acquire a broadcast signal of the wireless access device under the condition that the electronic device is in a preset coverage area of the wireless access device;
the merchant information determining module is configured to determine merchant information associated with the wireless access equipment according to the information carried by the broadcast signal;
and the interactive interface generating module is configured to generate a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access equipment.
In a third aspect, an embodiment of the present invention provides an information processing apparatus, including: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements the information processing method according to the first aspect of the embodiment of the present invention.
In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, where computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the computer-readable storage medium implements the information processing method according to the first aspect of the embodiment of the present invention.
The information processing method, the device, the equipment and the computer readable storage medium provided by the embodiment of the invention can acquire the broadcast signal sent by the wireless access equipment after receiving the payment request sent by the user when the electronic equipment is in the preset coverage area of the wireless access equipment, and then determine the merchant information associated with the wireless access equipment, namely the merchant information corresponding to the payment request, by using the information carried by the broadcast signal, so as to generate the payment interactive interface corresponding to the payment request according to the merchant information corresponding to the payment request, thereby not needing other operations on the electronic equipment by the user, but quickly generating the payment interactive interface, therefore, the process for generating the payment interactive interface is simple, and the payment efficiency can be improved because other operations on the user and the merchant are not needed.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the embodiments of the present invention will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a system architecture diagram of a payment system of one example of the present invention;
FIG. 2 is a flow chart of an information processing method according to an embodiment of the present invention;
FIG. 3 is a flow chart of an information processing method according to another embodiment of the invention;
FIG. 4 is a flow chart of an information processing method according to another embodiment of the invention;
FIG. 5 is a flow diagram of a payment process provided by one embodiment of the present invention;
FIG. 6 is a flow diagram of a payment process provided by another embodiment of the present invention;
fig. 7 is a schematic structural diagram of an information processing apparatus provided in an embodiment of the present invention;
fig. 8 is a schematic diagram of a hardware configuration of an information processing apparatus according to an embodiment of the present invention.
Detailed Description
Features and exemplary embodiments of various aspects of the present invention will be described in detail below, and in order to make objects, technical solutions and advantages of the present invention more apparent, the present invention 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 merely illustrative of the invention and are not to be construed as limiting the invention. It will be apparent to one skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present invention by illustrating examples of the present invention.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
In order to solve the problem that the process of generating a payment interactive interface is complex in the process of payment by using electronic equipment in the prior art, the embodiment of the invention provides a payment system.
Fig. 1 shows a system architecture diagram of a payment system of one example of the present invention. As shown in fig. 1, payment system 100 includes electronic device 101, payment backend server 102, and wireless access device 103.
In the embodiment of the present invention, the electronic device 101 may specifically be a mobile phone, a tablet computer, a personal computer, or the like. Payment backend server 102 may be a high-performance electronic calculator for storing and processing data and capable of data interaction with electronic device 101. Wireless access device 103 may include at least one of a 5G base station, a 4G cellular device, and a WIFI transmitter.
The wireless access device 103 may be laid in a corresponding business place of a merchant, and the business place of the merchant may be specifically a shop, an indoor booth or an outdoor booth. One wireless access device 103 may only correspond to the business place of one merchant, but the business place of one merchant may correspond to one or more wireless access devices 103.
After the wireless access device 103 is laid in the business place of the merchant, the merchant needs to perform network access registration in the payment background server 102, and complete association operation between the wireless access device 103 and merchant information of the merchant, so as to associate and store the wireless access device identifier of the wireless access device 103 and the merchant information in a merchant data storage module of the wireless access device 103, where the merchant information includes at least one of a merchant identifier, a merchant name, a merchant account number for collection, and a merchant address. After the merchant completes the network access registration in the payment backend server 102, the transaction function can be activated in the payment backend server 102, a charging operation is started, the wireless access device 103 can transmit a broadcast signal to a predetermined coverage area around the merchant, the electronic device 101 can generate a payment interactive interface by using the broadcast signal, and after a user inputs a payment interactive operation in the payment interactive interface of the electronic device 101, the electronic device 101 can send a payment request to the payment backend server 102, so that the payment backend server 102 completes payment according to the payment request.
The following describes a payment information processing method applied to the electronic device 101 shown in fig. 1 according to an embodiment of the present invention.
Fig. 2 is a flowchart illustrating an information processing method according to an embodiment of the present invention. As shown in fig. 2, the information processing method may include:
s210, under the condition that the electronic equipment is in a preset coverage area of the wireless access equipment, responding to a received payment request, and acquiring a broadcast signal of the wireless access equipment;
s220, determining merchant information associated with the wireless access equipment according to the information carried by the broadcast signal;
and S230, generating a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access equipment.
In the embodiment of the invention, under the condition that the electronic equipment is in the preset coverage area of the wireless access equipment, the broadcast signal sent by the wireless access equipment can be acquired after the payment request sent by the user is received, and then the merchant information associated with the wireless access equipment, namely the merchant information corresponding to the payment request, is determined by utilizing the information carried by the broadcast signal, so that the payment interactive interface corresponding to the payment request is generated according to the merchant information corresponding to the payment request, so that the user does not need to perform other operations on the electronic equipment, the payment interactive interface can be quickly generated, the process of generating the payment interactive interface is simple, and the payment efficiency can be improved because the user and the merchant do not need to perform other operations.
The wireless access device described in the embodiment of the present invention may be the wireless access device 103 shown in fig. 1. The wireless access device may be located within the premises of the merchant with which it is associated and capable of transmitting broadcast signals into a predetermined coverage area around itself. Specifically, the wireless access device may include at least one of a 5G base station, a 4G indoor substation, and a WIFI transmitter.
In the embodiment of the present invention, after the user enters the business place of the merchant, if the user is in the predetermined coverage area of the wireless access device associated with the merchant, the information processing method according to the embodiment of the present invention may be executed.
In the embodiment of the invention, the electronic equipment generates the payment interactive interface based on the information carried by the broadcast signal transmitted by the wireless access equipment in the business place of the merchant so that the user can complete payment according to the payment interactive interface, and compared with an active code scanning form of the two-dimensional code, the risk that the two-dimensional code is replaced can not occur, so that the problem of errors of a payment object can be avoided.
In the embodiment of the present invention, a payment application for payment may be installed in the electronic device, and the electronic device may execute the information processing method according to the embodiment of the present invention based on the interactive operation of the user on the payment application; the electronic device can also be directly provided with a payment function key, and the electronic device is enabled to execute the information processing method based on the triggering operation of the user on the payment function key.
In step S210 of some embodiments of the present invention, in the case that the payment application is installed in the electronic device, when the user starts the payment application, the payment application may generate a payment request, and at this time, the electronic device may acquire the broadcast signal of the wireless access device in response to the received payment request.
In step S210 of other embodiments of the present invention, in a case that the electronic device has a payment function key, when the user clicks the payment function key, the payment function key may trigger a payment request, and at this time, the resistive device may obtain a broadcast signal of the wireless access device in response to the received payment request.
In an embodiment of the present invention, the merchant information may include at least one of a merchant identification, a merchant name, a merchant payment account number, and a merchant address.
The information carried in the broadcast signal in step S220 of the embodiment of the present invention may include a wireless access device identifier of the wireless access device, merchant information associated with the wireless access device, and a wireless access device identifier of the wireless access device and merchant information associated with the wireless access device.
In the case that the information carried by the broadcast signal includes a wireless access device identifier of the wireless access device, a specific method for determining merchant information associated with the wireless access device according to the information carried by the broadcast signal may include:
acquiring a wireless access equipment identifier carried by a broadcast signal;
sending the wireless access equipment identification to target equipment so that the target equipment inquires merchant information which is associated with the wireless access equipment identification;
and receiving the merchant information inquired by the target equipment, and taking the received merchant information as merchant information associated with the wireless access equipment.
In the embodiment of the present invention, the identifier of the wireless access device may be a device identification code of the wireless access device, or an identification code set for the wireless access device when the merchant performs network entry registration in the payment background server 102, which is not limited herein.
In the embodiment of the present invention, the target device may be the payment backend server 102 shown in fig. 1, since the wireless access device identifier and the merchant information are stored in association in the merchant data storage module of the payment backend server 102.
Therefore, in these embodiments, after acquiring the broadcast signal of the wireless access device, the electronic device may acquire the wireless access device identifier carried in the broadcast signal, and send the wireless access device identifier to the target device, so that the target device queries, based on the wireless access device identifier sent by the electronic device, the merchant information stored in association with the wireless access device identifier in the merchant data storage module, and feeds back the queried merchant information to the electronic device. After receiving the merchant information queried by the target device, the electronic device may use the received merchant information as merchant information associated with the wireless access device.
Therefore, the information carried by the broadcast signal transmitted by the wireless access equipment identifier in the embodiment of the invention is less, the safety of the merchant information of the merchant can be improved, and other users except the payment user can be prevented from acquiring the merchant information of the merchant through the broadcast signal.
In the case that the information carried by the broadcast signal includes merchant information associated with the wireless access device, a specific method for determining merchant information associated with the wireless access device according to the information carried by the broadcast signal may include:
merchant information associated with a wireless access device carried by a broadcast signal is obtained.
Since the information carried by the broadcast signal directly includes the merchant information associated with the wireless access device, in these embodiments, after the electronic device acquires the broadcast signal of the wireless access device, the merchant information carried by the broadcast signal and associated with the wireless access device can be directly acquired, which saves the interaction process with other devices, improves the information processing efficiency, and reduces the time for generating the payment interaction interface corresponding to the payment request.
In some embodiments of the present invention, one or more wireless access devices may be installed in the business location of one merchant, and when the location of the user is only within the predetermined coverage range of one wireless access device, the specific method for generating the payment interaction interface corresponding to the payment request according to the merchant information associated with the wireless access device in step S230 may be: and generating a payment interactive interface by directly utilizing the merchant information associated with the wireless access equipment. The payment interactive interface can display merchant information associated with the wireless access device and prompt a user to input payment amount information in a preset area of the payment interactive interface.
In other embodiments of the present invention, a plurality of wireless access devices may be installed in a business location of a merchant, at least two of the plurality of wireless access devices may have an overlapping coverage area, and if a user is located in the overlapping coverage area, the electronic device may be located in a predetermined coverage area of the plurality of wireless access devices and may receive a plurality of broadcast signals simultaneously, in which case, the specific method for determining merchant information associated with the wireless access device according to information carried in the broadcast signal in step S220 may include:
for each of the plurality of broadcast signals, determining merchant information associated with the wireless access device corresponding to the broadcast signal to obtain a plurality of merchant information;
and carrying out duplicate removal processing on the plurality of merchant information to obtain the merchant information after the duplicate removal.
For example, when the electronic device receives two broadcast signals transmitted by two wireless access devices in the business place of one merchant, the electronic device first determines the merchant information corresponding to each broadcast signal, and then performs deduplication processing on the two merchant information determined according to the two broadcast signals.
In step S230 of these embodiments, a specific method for generating a payment interaction interface corresponding to the payment request according to the merchant information associated with the wireless access device may be:
and generating a payment interactive interface corresponding to the payment request according to the merchant information after the duplicate removal.
Therefore, the payment interactive interface can be generated based on only one merchant information under the condition that the electronic device receives the broadcast signals transmitted by the plurality of wireless access devices in the business place of one merchant, so that the use experience of the user is improved.
In still other embodiments of the present invention, one or more wireless access devices may be installed in the business of one merchant, at least two of the multiple wireless access devices of multiple merchants may have an overlapping coverage area at the border position of the business of multiple merchants, and if the user is located in the overlapping coverage area, the electronic device may be located in the predetermined coverage areas of the multiple wireless access devices and may receive multiple broadcast signals simultaneously, in which case, the specific method for determining the merchant information associated with the wireless access device according to the information carried by the broadcast signal in step S220 may include:
for each of the plurality of broadcast signals, determining merchant information associated with the wireless access device corresponding to the broadcast signal to obtain a plurality of merchant information;
and carrying out duplicate removal processing on the plurality of merchant information to obtain the merchant information after the duplicate removal.
For example, in the case where the electronic device receives broadcast signals transmitted by wireless access devices within the premises of two merchants, the joining electronic device receives two broadcast signals transmitted by two wireless access devices in the business location of the merchant a and one broadcast signal transmitted by one wireless access device in the business location of the merchant B, and at this time, the electronic equipment firstly determines the corresponding business information according to each broadcast signal, then carries out the duplicate removal processing on the three business information determined according to the three broadcast signals, since two broadcast signals are transmitted by two wireless access devices within the business premises of merchant a, one broadcast signal is transmitted by one wireless access device within the business premises of merchant B, therefore, only the merchant information of one merchant A and the merchant information of one merchant B are reserved after the duplication removal, the two retained merchant information may be used to generate a payment interaction interface corresponding to the payment request.
In step S230 of these embodiments, the number of the merchant information after the duplication removal is multiple, in this case, a specific method for generating the payment interaction interface corresponding to the payment request according to the merchant information associated with the wireless access device may be:
determining target merchant information associated with target wireless access equipment corresponding to the broadcast signal with the maximum signal receiving intensity in the de-duplicated merchant information;
and taking the target merchant information as default merchant information, taking other merchant information except the target merchant information in the merchant information after the duplication removal as alternative merchant information, and generating a payment interactive interface corresponding to the payment request.
The distance between the target wireless access device corresponding to the broadcast signal with the maximum signal receiving intensity and the user is the minimum, so that the target merchant information associated with the target wireless access device can be considered as the wireless access device in the business place of the merchant where the user is located.
Because the number of the merchant information after the deduplication is multiple, one of the multiple merchant information after the deduplication needs to be used as default merchant information, and the default merchant information determined according to the signal reception strength may not be a merchant that the user desires to pay, therefore, other merchant information may be used as alternative merchant information, and then a payment interaction interface corresponding to the payment request is generated based on the default merchant information and the alternative merchant information, and the payment interaction interface may first display the default merchant information, display the alternative merchant information in a merchant candidate area, and prompt the user to input payment amount information in a predetermined area of the payment interaction interface. The merchant candidate area may be displayed on the payment interaction interface based on a merchant modification request input by the user, or may be directly displayed on the payment interaction interface, which is not limited herein.
Therefore, under the condition that the electronic equipment receives broadcast signals transmitted by a plurality of wireless access devices in the operating places of a plurality of merchants, the payment interactive interface can be generated based on the default merchant information and the alternative merchant information, so that the user can select and modify merchants as required, and the use experience of the user is improved.
In these embodiments, after generating the payment interaction interface corresponding to the payment request, the information processing method may further include:
acquiring merchant selection operation input in a payment interactive interface;
and responding to the merchant selection operation, replacing default merchant information with the alternative merchant information selected by the merchant selection operation to obtain an updated payment interactive interface.
Therefore, a user can select a merchant selection operation input in the payment interaction interface, for example, one candidate merchant information is selected in the merchant selection area, and then the electronic device can respond to the merchant selection operation, replace the default merchant information with the candidate merchant information selected by the merchant selection operation, so that the payment interaction interface firstly displays the candidate merchant information selected by the merchant selection operation, and displays the default merchant information and other candidate merchant information in the merchant selection area together, thereby obtaining an updated payment interaction interface, and completing payment by the user based on the updated payment interaction interface.
Fig. 3 is a flowchart illustrating an information processing method according to another embodiment of the present invention. As shown in fig. 3, the information processing method may further include:
s240, responding to the received payment amount submission request, and acquiring payment amount information input in the payment interaction interface;
s250, obtaining payment account information associated with the electronic equipment;
and S260, generating a payment verification interface according to the payment amount information and the payment account information.
In step S240 of the embodiment of the present invention, the payment interaction interface may have a predetermined area for inputting payment amount information, and after the user inputs the payment amount information in the predetermined area, a payment amount submission request may be input for the payment interaction interface, so that the electronic device obtains the payment amount information input in the payment interaction interface.
In step S250 of some embodiments of the present invention, a specific method for acquiring payment account information associated with an electronic device may include:
and sending the electronic equipment identification of the electronic equipment to a cloud server so that the cloud server inquires payment account information associated with the electronic equipment identification.
The electronic device identifier may be a unique identifier of the electronic device.
Therefore, in the embodiment of the invention, the electronic equipment identification and the payment account information can be stored in the cloud server in a correlated manner, so that the resource occupation of the electronic equipment is reduced.
In step S250 according to other embodiments of the present invention, a specific method for acquiring payment account information associated with an electronic device may include:
payment account information associated with the electronic device stored within a secure chip of the electronic device is obtained.
Therefore, in the embodiment of the invention, the payment account information associated with the electronic equipment can be directly stored in the security chip of the electronic equipment, so that the security of the payment account information is improved.
It should be noted that, in the embodiment of the present invention, before the user uses the electronic device to perform payment, the binding operation between the electronic device and the payment account information needs to be completed, for example, the electronic device identifier and the payment account information are stored in a cloud server in an associated manner, or the payment account information associated with the electronic device is directly stored in a security chip of the electronic device.
Fig. 4 is a flowchart illustrating an information processing method according to another embodiment of the present invention. As shown in fig. 4, the information processing method may further include:
s270, obtaining user verification information received in a payment verification interface;
s280, if the user verification information is matched with verification information prestored in the electronic equipment, updating the payment request by utilizing the merchant information, the payment amount information and the payment account information;
and S290, sending the updated payment request to the target equipment.
In step S270 of the embodiment of the present invention, in the case that only one payment account information is displayed on the payment verification interface, the user may directly input the user verification information corresponding to the payment account information on the payment verification interface; in the case where the payment verification interface displays a plurality of payment account information, the user may first select one payment account information for payment, and then input user verification information corresponding to the selected payment account information.
In the embodiment of the present invention, the user authentication information may be at least one of voiceprint information, character information, fingerprint information, and face information.
In step S280 of the embodiment of the present invention, under the condition that the user authentication information matches the authentication information pre-stored in the electronic device, the merchant information selected by the user or the default merchant information, the payment amount information input by the user, and the payment account information of the user may be added to the payment request to update the payment request.
In step S290 of the embodiment of the present invention, the updated payment request may be sent to the target device, so that the target device responds to the updated payment request, obtains the merchant account number, the payment amount information, and the payment account information corresponding to the merchant information to complete payment, and feeds back the payment result to the electronic device.
In some embodiments of the present invention, signal characteristics of the broadcast signal may also be limited to change transmission characteristics of the broadcast signal. Specifically, the broadcast signal may be a signal transmitted by the wireless access device into the predetermined coverage area, wherein the signal frequency is higher than a preset frequency threshold and/or the signal power is lower than a preset power threshold.
Therefore, the penetrability of the broadcast signals can be poor, and under the condition that the business places of the merchants are closed spaces such as shops and the like, the mutual interference of the broadcast signals transmitted by the wireless access devices of the business places of two adjacent merchants can be avoided, so that in the business place of one merchant, only the broadcast signals transmitted by the wireless access devices associated with the merchant can be received, and the accuracy of determining the information of the merchant is improved.
Fig. 5 is a flow chart illustrating a payment process provided by an embodiment of the present invention. As shown in fig. 5, in the case that the information carried in the broadcast signal includes a wireless access device identifier of the wireless access device and a payment application is installed on the electronic device, the payment process may include:
s301, after the wireless access equipment is started, continuously sending out a broadcast signal;
s302, a user starts a payment application program to send a payment request to a payment application module of the electronic equipment;
s303, the payment application module sends a broadcast signal acquisition request for acquiring the broadcast signal to a wireless communication module of the electronic equipment;
s304, the wireless communication module acquires the broadcast signal and acquires the wireless access equipment identifier carried by the broadcast signal;
s305, the wireless communication module returns the wireless access equipment identifier to the payment application module;
s306, the payment application module sends the wireless access equipment identifier to a payment background server;
s307, the payment background server inquires the associated merchant information according to the wireless access equipment identifier;
s308, the payment background server returns the inquired merchant information to the payment application module;
s309, the payment application module generates a payment interaction page according to the merchant information inquired by the payment background server;
s310, the payment application module displays the merchant information and prompts a user to input payment amount information;
s311, after the user inputs payment amount information, clicking a payment button, and sending a payment amount submission request to a payment application module;
s312, the payment application module acquires payment account information associated with the electronic equipment;
s313, the payment application module generates a payment verification interface, displays a payment account information list, payment amount information and the like, and prompts a user to perform identity verification;
s314, the user selects payment account information for payment and inputs user authentication information corresponding to the selected payment account information;
s315, the payment application module updates the payment request according to the merchant payment account number, the payment amount information and the payment account information;
and S316, the payment application module sends the updated payment request to the payment background server.
And S317, the payment background server returns the payment result to the payment application module.
Fig. 6 is a flow chart illustrating a payment process according to another embodiment of the present invention. As shown in fig. 6, in the case that the information carried by the broadcast signal includes merchant information associated with the wireless access device and the payment application is installed on the electronic device, the payment process may include:
s401, after the wireless access equipment is started, continuously sending out a broadcast signal;
s402, a user starts a payment application program to send a payment request to a payment application module of the electronic equipment;
s403, the payment application module sends a broadcast signal acquisition request for acquiring a broadcast signal to a wireless communication module of the electronic equipment;
s404, the wireless communication module acquires the broadcast signal and merchant information carried by the broadcast signal;
s405, the wireless communication module returns the merchant information to the payment application module;
s406, the payment application module generates a payment interaction page according to the merchant information returned by the wireless communication module;
s407, the payment application module displays the merchant information and prompts a user to input payment amount information;
s408, after the user inputs the payment amount information, clicking a payment button, and sending a payment amount submission request to the payment application module;
s409, the payment application module acquires payment account information associated with the electronic equipment;
s410, the payment application module generates a payment verification interface, displays a payment account information list, payment amount information and the like, and prompts a user to perform identity verification;
s411, the user selects payment account information for payment and inputs user authentication information corresponding to the selected payment account information;
s412, the payment application module updates the payment request according to the merchant payment account number, the payment amount information and the payment account information;
and S413, the payment application module sends the updated payment request to the payment background server.
And S414, the payment background server returns the payment result to the payment application module.
Fig. 7 is a schematic structural diagram of an information processing apparatus according to an embodiment of the present invention. As shown in fig. 7, the information processing apparatus may be applied to the electronic device 101 shown in fig. 1, wherein the information processing apparatus may include:
a broadcast signal acquiring module 510 configured to acquire a broadcast signal of the wireless access device in response to the received payment request in case that the electronic device is in a predetermined coverage area of the wireless access device;
a merchant information determining module 520 configured to determine merchant information associated with the wireless access device according to information carried by the broadcast signal;
the interactive interface generating module 530 is configured to generate a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access device.
In the embodiment of the invention, under the condition that the electronic equipment is in the preset coverage area of the wireless access equipment, the broadcast signal sent by the wireless access equipment can be acquired after the payment request sent by the user is received, and then the merchant information associated with the wireless access equipment, namely the merchant information corresponding to the payment request, is determined by utilizing the information carried by the broadcast signal, so that the payment interactive interface corresponding to the payment request is generated according to the merchant information corresponding to the payment request, so that the user does not need to perform other operations on the electronic equipment, the payment interactive interface can be quickly generated, the process of generating the payment interactive interface is simple, and the payment efficiency can be improved because the user and the merchant do not need to perform other operations.
The wireless access device described in the embodiment of the present invention may be the wireless access device 103 shown in fig. 1. The wireless access device may be located within the premises of the merchant with which it is associated and capable of transmitting broadcast signals into a predetermined coverage area around itself. Specifically, the wireless access device may include at least one of a 5G base station, a 4G indoor substation, and a WIFI transmitter.
In the embodiment of the present invention, after the user enters the business place of the merchant, if the user is in the predetermined coverage area of the wireless access device associated with the merchant, the broadcast signal acquiring module 510 may acquire the broadcast signal of the wireless access device in response to the received payment request.
In the embodiment of the invention, the electronic equipment generates the payment interactive interface based on the information carried by the broadcast signal transmitted by the wireless access equipment in the business place of the merchant so that the user can complete payment according to the payment interactive interface, and compared with an active code scanning form of the two-dimensional code, the risk that the two-dimensional code is replaced can not occur, so that the problem of errors of a payment object can be avoided.
In an embodiment of the present invention, the merchant information may include at least one of a merchant identification, a merchant name, a merchant payment account number, and a merchant address.
In some embodiments of the present invention, the information carried by the broadcast signal includes a wireless access device identification of the wireless access device;
in these embodiments, the merchant information determination module 520 may be specifically configured to:
acquiring a wireless access equipment identifier carried by a broadcast signal;
sending the wireless access equipment identification to target equipment so that the target equipment inquires merchant information which is associated with the wireless access equipment identification;
and receiving the merchant information inquired by the target equipment, and taking the received merchant information as merchant information associated with the wireless access equipment.
In the embodiment of the present invention, the target device may be the payment backend server 102 shown in fig. 1, since the wireless access device identifier and the merchant information are stored in association in the merchant data storage module of the payment backend server 102.
Therefore, the information carried by the broadcast signal transmitted by the wireless access equipment identifier in the embodiment of the invention is less, the safety of the merchant information of the merchant can be improved, and other users except the payment user can be prevented from acquiring the merchant information of the merchant through the broadcast signal.
In some embodiments of the present invention, the information carried by the broadcast signal includes merchant information associated with the wireless access device;
in these embodiments, the merchant information determination module 520 may be specifically configured to:
merchant information associated with a wireless access device carried by a broadcast signal is obtained.
Since the information carried by the broadcast signal directly includes the merchant information associated with the wireless access device, in these embodiments, after the electronic device acquires the broadcast signal of the wireless access device, the merchant information carried by the broadcast signal and associated with the wireless access device can be directly acquired, which saves the interaction process with other devices, improves the information processing efficiency, and reduces the time for generating the payment interaction interface corresponding to the payment request.
In some embodiments of the present invention, in a case where the electronic device is in a predetermined coverage area of a plurality of wireless access devices and a plurality of broadcast signals are received, the merchant information determination module 520 may be further configured to:
for each of the plurality of broadcast signals, determining merchant information associated with the wireless access device corresponding to the broadcast signal to obtain a plurality of merchant information;
and carrying out duplicate removal processing on the plurality of merchant information to obtain the merchant information after the duplicate removal.
In other embodiments of the present invention, in the case that the number of the merchant information after the deduplication is multiple, the interactive interface generating module 530 may be further configured to:
determining target merchant information associated with target wireless access equipment corresponding to the broadcast signal with the maximum signal receiving intensity in the de-duplicated merchant information;
and taking the target merchant information as default merchant information, taking other merchant information except the target merchant information in the merchant information after the duplication removal as alternative merchant information, and generating a payment interactive interface corresponding to the payment request.
Therefore, under the condition that the electronic equipment receives broadcast signals transmitted by a plurality of wireless access devices in the operating places of a plurality of merchants, the payment interactive interface can be generated based on the default merchant information and the alternative merchant information, so that the user can select and modify merchants as required, and the use experience of the user is improved.
In these embodiments, the information processing apparatus may further include an interactive interface update module configured to:
acquiring merchant selection operation input in a payment interactive interface;
and responding to the merchant selection operation, replacing default merchant information with the alternative merchant information selected by the merchant selection operation to obtain an updated payment interactive interface.
In some embodiments of the present invention, the information processing apparatus may further include a verification interface generation module configured to:
responding to the received payment amount submission request, and acquiring payment amount information input in a payment interactive interface;
obtaining payment account information associated with an electronic device;
and generating a payment verification interface according to the payment amount information and the payment account information.
In some embodiments, the verification interface generation module is further configured to:
and sending the electronic equipment identification of the electronic equipment to a cloud server so that the cloud server inquires payment account information associated with the electronic equipment identification.
In further embodiments, the verification interface generation module is further configured to:
payment account information associated with the electronic device stored within a secure chip of the electronic device is obtained.
In some embodiments of the present invention, the information processing apparatus may further include a payment request update module configured to:
acquiring user authentication information received at a payment authentication interface;
if the user verification information is matched with verification information prestored in the electronic equipment, updating the payment request by utilizing the merchant information, the payment amount information and the payment account information;
and sending the updated payment request to the target equipment, enabling the target equipment to respond to the updated payment request, acquiring the merchant payment account number, the payment amount information and the payment account information corresponding to the merchant information to finish payment, and feeding back a payment result to the electronic equipment.
In some embodiments of the present invention, the broadcast signal is a signal transmitted by the wireless access device into the predetermined coverage area, wherein the signal frequency is higher than a preset frequency threshold and/or the signal power is lower than a preset power threshold.
Therefore, the penetrability of the broadcast signals can be poor, and under the condition that the business places of the merchants are closed spaces such as shops and the like, the mutual interference of the broadcast signals transmitted by the wireless access devices of the business places of two adjacent merchants can be avoided, so that in the business place of one merchant, only the broadcast signals transmitted by the wireless access devices associated with the merchant can be received, and the accuracy of determining the information of the merchant is improved.
The information processing method and apparatus of the embodiments of the present invention can be implemented by an information processing device. Fig. 8 shows a hardware configuration diagram of the information processing apparatus 600 according to the embodiment of the present invention.
As shown in fig. 8, the information processing apparatus 600 includes an input apparatus 601, an input interface 602, a central processor 603, a memory 604, an output interface 605, and an output apparatus 606. The input interface 602, the central processing unit 603, the memory 604, and the output interface 605 are connected to each other via a bus 610, and the input device 601 and the output device 606 are connected to the bus 610 via the input interface 602 and the output interface 605, respectively, and further connected to other components of the information processing device 600.
Specifically, the input device 601 receives input information from the outside, and transmits the input information to the central processor 603 through the input interface 602; the central processor 603 processes input information based on computer-executable instructions stored in the memory 604 to generate output information, stores the output information temporarily or permanently in the memory 604, and then transmits the output information to the output device 606 through the output interface 605; the output device 606 outputs the output information to the outside of the payment information processing device 600 for use by the user.
That is, the information processing apparatus shown in fig. 8 may also be implemented to include: a memory storing computer-executable instructions; and a processor which, when executing computer-executable instructions, may implement the information processing method and apparatus described in embodiments of the present invention.
An embodiment of the present invention further provides a computer-readable storage medium, where the computer-readable storage medium has computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement the information processing method provided by the embodiments of the present invention.
The functional blocks shown in the above structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the invention are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, Erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.
It should also be noted that the exemplary embodiments mentioned in this patent describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.
As will be apparent to those skilled in the art, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present invention, and these modifications or substitutions should be covered within the scope of the present invention.
Claims (16)
1. An information processing method comprising:
under the condition that the electronic equipment is in a preset coverage area of the wireless access equipment, responding to the received payment request, and acquiring a broadcast signal of the wireless access equipment;
determining merchant information associated with the wireless access equipment according to the information carried by the broadcast signal;
and generating a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access equipment.
2. The method of claim 1, wherein the information carried by the broadcast signal includes a wireless access device identification of the wireless access device;
wherein the determining, according to the information carried by the broadcast signal, merchant information associated with the wireless access device includes:
acquiring the wireless access equipment identifier carried by the broadcast signal;
sending the wireless access equipment identification to target equipment so that the target equipment inquires merchant information which is associated with the wireless access equipment identification;
and receiving the merchant information inquired by the target equipment, and using the received merchant information as merchant information associated with the wireless access equipment.
3. The method of claim 1, wherein the information carried by the broadcast signal includes merchant information associated with the wireless access device;
wherein the determining, according to the information carried by the broadcast signal, merchant information associated with the wireless access device includes:
acquiring merchant information associated with the wireless access device carried by the broadcast signal.
4. The method of claim 1, wherein, in a case where the electronic device is in a predetermined coverage area of a plurality of wireless access devices and a plurality of the broadcast signals are received, the determining merchant information associated with the wireless access devices from information carried by the broadcast signals comprises:
for each of the plurality of broadcast signals, determining merchant information associated with the wireless access device corresponding to the broadcast signal, and obtaining a plurality of merchant information;
and carrying out duplicate removal processing on the plurality of merchant information to obtain the merchant information after the duplicate removal.
5. The method of claim 4, wherein, in a case that the number of the de-duplicated merchant information is multiple, the generating a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access device includes:
determining target merchant information associated with the target wireless access equipment corresponding to the broadcast signal with the maximum signal receiving intensity in the de-duplicated merchant information;
and taking the target merchant information as default merchant information, taking other merchant information except the target merchant information in the merchant information after the duplication removal as alternative merchant information, and generating a payment interactive interface corresponding to the payment request.
6. The method of claim 5, wherein after generating the payment interaction interface corresponding to the payment request, the method further comprises:
acquiring merchant selection operation input in the payment interactive interface;
and in response to the merchant selection operation, replacing the default merchant information with the alternative merchant information selected by the merchant selection operation to obtain the updated payment interactive interface.
7. The method of claim 1, wherein the merchant information comprises at least one of a merchant identification, a merchant name, a merchant checkout account number, and a merchant address.
8. The method of claim 1, further comprising:
responding to the received payment amount submission request, and acquiring payment amount information input in the payment interaction interface;
obtaining payment account information associated with the electronic device;
and generating a payment verification interface according to the payment amount information and the payment account information.
9. The method of claim 8, further comprising:
acquiring user authentication information received at the payment authentication interface;
if the user verification information is matched with verification information prestored in the electronic equipment, updating the payment request by utilizing the merchant information, the payment amount information and the payment account information;
and sending the updated payment request to the target device.
10. The method of claim 8, wherein the obtaining payment account information associated with the electronic device comprises:
and sending the electronic equipment identification of the electronic equipment to a cloud server so that the cloud server inquires payment account information associated with the electronic equipment identification.
11. The method of claim 8, wherein the obtaining payment account information associated with the electronic device comprises:
obtaining payment account information associated with the electronic device and stored in a security chip of the electronic device.
12. The method of claim 1, wherein the wireless access device comprises at least one of a 5G base station, a 4G room division device, and a WIFI transmitter.
13. The method of claim 1, wherein the broadcast signal is a signal transmitted by the wireless access device into the predetermined coverage area with a signal frequency above a preset frequency threshold and/or a signal power below a preset power threshold.
14. An information processing apparatus characterized in that the apparatus comprises:
the system comprises a broadcast signal acquisition module, a payment processing module and a payment processing module, wherein the broadcast signal acquisition module is configured to respond to a received payment request to acquire a broadcast signal of a wireless access device under the condition that the electronic device is in a preset coverage area of the wireless access device;
a merchant information determining module configured to determine merchant information associated with the wireless access device according to information carried by the broadcast signal;
and the interactive interface generating module is configured to generate a payment interactive interface corresponding to the payment request according to the merchant information associated with the wireless access equipment.
15. An information processing apparatus characterized by comprising: a processor and a memory storing computer program instructions;
the processor, when executing the computer program instructions, implements an information processing method as claimed in any one of claims 1 to 13.
16. A computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon computer program instructions which, when executed by a processor, implement the information processing method according to any one of claims 1 to 13.
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| CN201910877020.XA CN110659894A (en) | 2019-09-17 | 2019-09-17 | Information processing method, device, equipment and computer readable storage medium |
| TW109126453A TWI811558B (en) | 2019-09-17 | 2020-08-05 | Information processing method, device, device, and computer-readable storage medium |
| PCT/CN2020/113322 WO2021052189A1 (en) | 2019-09-17 | 2020-09-03 | Information processing method, apparatus and device, and computer readable storage medium |
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| CN201910877020.XA CN110659894A (en) | 2019-09-17 | 2019-09-17 | Information processing method, device, equipment and computer readable storage medium |
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| WO2021052189A1 (en) | 2021-03-25 |
| TWI811558B (en) | 2023-08-11 |
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