Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.
As described above, in the application scenario of payment code payment, the types of electronic purses supported by the payment receiving device are very many, and the code systems provided by these electronic purses are also different. For the payer, because the code system supported by the collecting device is not known, if the payment code payment is not carried out by manually selecting the code system supported by the collecting device, the success rate of the payment is low, and the user experience is poor. For this reason, this document aims at providing a technical scheme that can assist a payment device in intelligently selecting a code system supported by a payment receiving device to pay a payment code.
Fig. 1 is a flowchart of a payment code display method according to an embodiment of the present disclosure. The method shown in fig. 1 may be performed by a corresponding apparatus, comprising:
step S102, the payment device scans a graphic code set for the collection device, wherein the graphic code includes information of at least one code system supported by the collection device.
The payment device may be, but is not limited to, a personal terminal device of the payer, such as a mobile phone, a smart band, or a smart watch; the checkout device may be, but is not limited to, a checkout terminal of a payee, such as a vending machine, POS machine, or the like; the graphic code can be a two-dimensional code, a bar code and the like; the code system of the graphic code is the coding requirement of the graphic code, and different circuit identification modes correspond to different code systems.
In the embodiment of the present specification, the graphic code may be displayed by a payment apparatus, or may be provided by a user of the payment apparatus, which is not limited specifically herein.
And step S104, the payment device determines a target code system from at least one code system supported by the collection device indicated by the graphic code.
In this embodiment, the payment device may select the target code system from at least one code system supported by the payment apparatus according to its preference.
For example, the payment device may select a most recently used one as the target code system from at least one code system supported by the payment apparatus indicated by the graphic code based on the payment record of the payment apparatus.
For another example, the payment device selects one of the code systems supported by the payment receiving device indicated by the graphic code as the target code system based on the payment record of the payment device.
Alternatively, the payment device may select the target code system from at least one code system supported by the payment device as required by the payment system.
For example, the graphical code may contain only one code system determined by the payment receiving device from the supported code systems, which may be the best result determined based on the wallet policy of the payment system of the payment receiving device.
For another example, the graphic code may include information about a plurality of code systems supported by the payment device and corresponding priorities, wherein the priorities of the plurality of code systems may be determined based on the e-wallet policy of the payment system. The payment device needs to select one of the multiple code systems supported by the payment device indicated by the graphic code as a target code system according to the priority of the code system (which may also be combined with other strategies for determining the target code system, which is not described herein again by way of example).
And S106, the payment equipment displays the payment code of the target code system, wherein the payment code is used for paying for the collection equipment.
It should be appreciated that payment settlement is completed when the payment code displayed by the payment device is scanned by the payment device.
Based on the method shown in fig. 1, it can be known that, in the solution of the embodiment of the present specification, the receiving device displays the supported code system to the payment device through the graphic code, and after the supporting device scans, the supporting device selects a code system supported by the receiving device based on the graphic code to generate the payment code, thereby ensuring that the receiving device can successfully settle accounts, and further bringing better user experience, and therefore, the method has a very high practical value.
The payment code display method of the embodiment of the present specification is described in detail below with reference to different application scenarios.
Application scenario one
In the first application scenario, the payment device is a personal terminal of a consumer, and the payment device is a merchant POS machine. Correspondingly, referring to fig. 2, the payment process required by the consumer to purchase goods from the merchant includes the following steps:
step S201, the operator of the merchant sets a code system supported by the merchant in the payment system, and the payment system generates a graphic code indicating at least one code system supported by the merchant.
It should be appreciated that in subsequent processes, the payment system update graphic may be re-requested if the merchant's operator subsequently changes the supported code system. That is, the code systems supported by the merchant may be dynamically configurable.
Step S202, the operator of the merchant prints the graphic code generated by the payment system and then pastes the graphic code in the shop of the merchant.
In step S203, the consumer scans the graphic code of the merchant store through the personal terminal while shopping.
And step S204, the personal terminal of the consumer analyzes the graphic code, acquires a code system supported by the merchant, and selects one code system with the highest use frequency or the most recently used code system as a target code system based on the historical payment record.
Step S205, the personal terminal of the consumer generates and displays the payment code based on the target code system.
Step S206, the merchant uses the POS machine to scan the personal terminal of the consumer to display the payment code, and payment settlement is completed.
Application scenario two
In the second application scenario, the payment device is a personal terminal of the consumer, the payment receiving device is a merchant POS, and correspondingly, referring to fig. 3, a payment process required by the consumer to purchase the commodity from the merchant includes the following steps:
step S301, an operator of a merchant sets a code system supported by the merchant in a payment system, the payment system directly determines a target code system in a preferred mode from the code system supported by the merchant based on an electronic wallet strategy, and a graphic code supporting the target code system is generated.
The embodiment of the present specification does not specifically limit the policy of the electronic wallet. By way of example introduction, the payment system may select a code system having a benefit offer from the merchant supported code systems according to the e-wallet policy and target the offer code system.
In addition, in the subsequent process, if the operator of the merchant subsequently changes the supported code system, the payment system can be requested again to update the graph. That is, the code systems supported by the merchant may be dynamically configurable.
Step S302, when the consumer makes a purchase settlement, the operator of the merchant displays the graphic code generated by the payment system by using the POS machine.
Step S303, the consumer scans the graphic code displayed by the POS machine through the personal terminal.
Step S304, the personal terminal of the consumer analyzes the graphic code to obtain the target code system provided by the payment system.
Step S305, the personal terminal of the consumer generates and displays the payment code based on the target code system.
And S306, the merchant scans the personal terminal of the consumer to display the payment code by using the POS machine to finish payment settlement.
Application scenario three
In the third application scenario, the payment device is a personal terminal of the consumer, the payment receiving device is a merchant POS, and correspondingly, referring to fig. 4, a payment process required by the consumer to purchase the commodity from the merchant includes the following steps:
step S401, an operator of a merchant sets a code system supported by the merchant in a payment system, the payment system determines priority for the code system supported by the merchant based on an electronic wallet strategy, and generates a graphic code indicating the code system supported by the merchant and the corresponding priority.
The embodiment of the present specification does not specifically limit the policy of the electronic wallet. By way of example introduction, the payment system may first determine whether e-money offers an offer benefit to a code system supported by a merchant according to an e-wallet policy, and determine a corresponding priority according to the offer benefit of the code system. For example, the higher the privilege of the code system, the higher the priority, and the lower the priority of the code system, the lower the corresponding priority.
In addition, in the subsequent process, if the operator of the merchant subsequently changes the supported code system, the payment system can be requested again to update the graph. That is, the code systems supported by the merchant may be dynamically configurable.
Step S402, when the consumer makes shopping settlement, the operator of the merchant displays the graphic code generated by the payment system by using the POS machine.
In step S403, the consumer scans the graphic code displayed by the POS machine through the personal terminal.
Step S404, the personal terminal of the consumer analyzes the graphic code, acquires the code system supported by the merchant and the graphic code with the corresponding priority, and selects the code with the highest priority as the target code system.
Step S405, the personal terminal of the consumer generates and displays the payment code based on the target code system.
Step S406, the merchant scans the personal terminal of the consumer to display the payment code by using the POS machine, and the payment settlement is completed.
The above is a description of the method of the embodiments of the present specification. It will be appreciated that appropriate modifications may be made without departing from the principles outlined herein, and such modifications are intended to be included within the scope of the embodiments herein.
Corresponding to the method described above, as shown in fig. 5, an embodiment of the present specification further provides a payment apparatus 500, including:
the graphic code scanning module 510 scans a graphic code set for a payment receiving device, where the graphic code includes information of at least one code system supported by the payment receiving device;
a code system selection module 520, for determining a target code system from the at least one code system supported by the payment apparatus;
and the graphic code display module 530 displays the payment code of the target code system, wherein the payment code is used for paying to the collection device.
Based on the payment device shown in fig. 5, it can be known that, in the solution of the embodiment of this specification, the collection device displays the supported code system to the payment device through the graphic code, and the support device selects a code system supported by the collection device to generate the payment code based on the graphic code after scanning, thereby ensuring that the collection device can successfully settle accounts, and further bringing better user experience, and therefore, the payment device has a very high practical value.
Optionally, when executed, the code system selecting module 520 specifically selects, based on the payment record of the payment device, one of the at least one code system supported by the payment receiving device indicated by the graphic code, which is most frequently used, as the target code system.
Alternatively, when executed, the code system selecting module 520 specifically selects, based on the payment record of the payment device, a most recently used code system from at least one code system supported by the payment receiving device indicated by the graphic code as the target code system.
Optionally, the graphical code comprises a unique code system determined by the checkout device from the supported code systems. Wherein the unique code system may be determined based on an electronic wallet policy of a payment system of the payment apparatus. Correspondingly, the code system selection module 520, when executed, may directly determine the code system that is only supported by the cash register device and indicated by the graphic code as the target code system.
Optionally, the graphic code includes information of a plurality of code systems supported by the cash register device and corresponding priorities. The code system selection module 520, when executed, selects one of the plurality of code systems supported by the payment apparatus indicated by the graphic code as a target code system according to the priority of the code system. Wherein the priority of the plurality of code systems supported by the payment receiving device may be determined based on an e-wallet policy of a payment system.
Optionally, the graphical code is generated by a payment system by setting at least one code scheme supported by the checkout device to the payment system.
Optionally, the graphical code is displayed by the checkout device or provided by a user of the checkout device.
Obviously, the payment device of the embodiment of the present specification may be used as an execution subject of the payment code display method shown in fig. 1, and thus the payment device can implement the functions of the method implemented in fig. 1 to 4. Since the principle is the same, the detailed description is omitted here.
Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Referring to fig. 6, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (peripheral component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 3, but this does not indicate only one bus or one type of bus.
And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.
The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form the payment device on a logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:
scanning a graphic code set for a money receiving device, wherein the graphic code comprises information of at least one code system supported by the money receiving device;
determining a target code system from at least one code system supported by the money receiving equipment indicated by the graphic code;
and displaying the payment code of the target code system, wherein the payment code is used for paying to the collection device.
Based on the electronic device shown in fig. 6, it can be known that, in the solution of the embodiment of the present specification, the receiving device displays the supported code system to the electronic device through the graphic code, and the electronic device selects a code system supported by the receiving device to generate the payment code based on the graphic code after scanning, so as to ensure that the receiving device can successfully settle accounts, and further bring better user experience, thereby having a very high practical value.
The payment code display method disclosed in the embodiment of fig. 1 of the present specification may be implemented in or by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.
It should be understood that the electronic device of the embodiment of the present specification may implement the functions of the payment device in the embodiments shown in fig. 1 and fig. 2, and details are not described herein.
Of course, besides the software implementation, the electronic device in this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.
Furthermore, the present specification embodiments also propose a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, are capable of causing the portable electronic device to perform the method of the embodiment shown in fig. 1, and in particular to perform the following method:
scanning a graphic code set for a money receiving device, wherein the graphic code comprises information of at least one code system supported by the money receiving device;
determining a target code system from at least one code system supported by the money receiving equipment indicated by the graphic code;
and displaying the payment code of the target code system, wherein the payment code is used for paying to the collection device.
Based on the computer readable storage medium of the implementation, the cash collecting device displays the supported code system to the payment device through the graphic code, and the support device selects the code system supported by the cash collecting device to generate the payment code based on the graphic code after scanning, so that the cash collecting device can successfully settle accounts, better user experience is brought, and high practical value is achieved.
It should be understood that the above-mentioned instructions, when executed by a portable electronic device including a plurality of application programs, can enable the payment device described above to implement the functions of the embodiments shown in fig. 1 to 4, which are not described in detail herein.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification. Moreover, all other embodiments obtained by a person skilled in the art without making any inventive step shall fall within the scope of protection of this document.