CN113159895B - Payment method and device - Google Patents
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- CN113159895B CN113159895B CN202110462505.XA CN202110462505A CN113159895B CN 113159895 B CN113159895 B CN 113159895B CN 202110462505 A CN202110462505 A CN 202110462505A CN 113159895 B CN113159895 B CN 113159895B
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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- G—PHYSICS
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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Abstract
The application discloses a payment method and device, and belongs to the technical field of communication. The method mainly comprises the steps of receiving a first input of a payment target order, responding to the first input, acquiring a first keyword related to the target order and acquiring payment event information, wherein the payment event information comprises a second keyword, and the payment event information is related to a target resource; and paying a target order through the target resource under the condition that the matching result of the first keyword and the second keyword meets the preset condition.
Description
Technical Field
The application belongs to the technical field of communication, and particularly relates to a payment method and device.
Background
With the development of internet technology and electronic equipment, the electronic equipment can provide various intelligent services such as mobile payment for users, and great convenience is brought to the work and life of the users.
However, when resources for different mobile payment purposes, such as personal resources and group resources, are put together, there may be cases where the personal resources are insufficient when paying order a, and the group resources are used for supplementing payment by mistake. Thus, when order B is paid using the community resources, the community resources are transferred, so that they cannot complete order B, and payment efficiency is affected.
Disclosure of Invention
The embodiment of the application aims to provide a payment method and a payment device, which can solve the problem of low payment efficiency.
In a first aspect, an embodiment of the present application provides a payment method, which may include:
receiving a first input of a payment target order;
in response to the first input, obtaining a first keyword related to the target order and obtaining payment event information, the payment event information including a second keyword, the payment event information being associated with a target resource;
when a first input of a payment target order is received, acquiring a second keyword of the target order;
and paying a target order through the target resource under the condition that the matching result of the second keyword and the second keyword meets the preset condition.
In a second aspect, embodiments of the present application provide a payment device, which may include:
the receiving module is used for acquiring a second keyword corresponding to the target order when receiving the first input of the payment target order;
an acquisition module for acquiring a first keyword related to the target order and acquiring payment event information, including a second keyword, in response to the first input, the payment event information being associated with a target resource;
And the payment module is used for paying the target order through the target resource under the condition that the matching result of the first keyword and the second keyword meets the preset condition.
In a third aspect, an embodiment of the present application provides an electronic device comprising a processor, a memory and a program or instructions stored on the memory and executable on the processor, the program or instructions when executed by the processor implementing the steps of the payment method as shown in the first aspect.
In a fourth aspect, embodiments of the present application provide a readable storage medium having stored thereon a program or instructions which when executed by a processor perform the steps of the payment method as described in the first aspect.
In a fifth aspect, an embodiment of the present application provides a chip, the chip including a processor and a communication interface, the communication interface being coupled to the processor, the processor being configured to execute programs or instructions to implement the steps of the payment method as shown in the first aspect.
In the embodiment of the application, the time for reminding the payment event and the operation flow of the user are reduced by actively acquiring the payment event information, so that the possibility of incorrect operation of the user in autonomous operation is avoided. In addition, by associating the payment time information with the target resource, when the resources for different mobile payment purposes are stored together, the resource management can be respectively carried out, and the efficiency of the resource management is improved. Based on the above, when the first input of the payment target order is received, the second keyword of the target order is acquired, so that under the condition that the matching result of the first keyword of the payment target order and the second keyword of the pre-stored payment event information meets the preset condition, the target order is paid through the frozen target resource corresponding to the pre-stored payment event information, special money is realized, and the payment efficiency is improved.
Drawings
Fig. 1 is a schematic diagram of a payment architecture according to an embodiment of the present application;
FIG. 2 is a schematic diagram of another payment architecture according to an embodiment of the present application;
FIG. 3 is a flow chart of a payment method according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of a payment device according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application;
fig. 6 is a schematic hardware structure of an electronic device according to an embodiment of the present application.
Detailed Description
The technical solutions of the embodiments of the present application will be clearly described below with reference to the drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which are obtained by a person skilled in the art based on the embodiments of the present application, fall within the scope of protection of the present application.
The terms first, second and the like in the description and in the claims, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged, as appropriate, such that embodiments of the present application may be implemented in sequences other than those illustrated or described herein, and that the objects identified by "first," "second," etc. are generally of a type, and are not limited to the number of objects, such as the first object may be one or more. Furthermore, in the description and claims, "and/or" means at least one of the connected objects, and the character "/", generally means that the associated object is an "or" relationship.
Based on this, the payment method provided by the embodiment of the present application is described in detail below with reference to fig. 1-2 through specific embodiments and application scenarios thereof.
Embodiments of the present application provide a payment architecture, as shown in fig. 1, which may include an electronic device in one or more possible embodiments; in another or more possible embodiments, as shown in fig. 2, the payment architecture may further include a first electronic device and a second electronic device, where the first electronic device corresponds to a first user and the second electronic device corresponds to a second user. The two payment architectures referred to above are each described below.
When the payment architecture includes an electronic device, payment event information input by a user, such as a purchase of a cup of milk tea 1 by store a in the vanda square a seat, is received, and the payment event information may include a second keyword including attribute information and payment condition information of a payment object. The attribute information of the payment object includes a payment object name, such as milk tea 1, and a resource value corresponding to the payment object, such as a resource value of searching the payment object in at least one shopping platform according to the payment object name, and determining the maximum resource value as the resource value corresponding to the payment object. In addition, the payment condition includes at least one of: the payment time is as the order and the payment address corresponding to the milk tea are paid between 3 pm and 4 pm, such as the Wandasi A seat.
Then, in case it is determined that the user selects a target resource to be paid for the payment event information, the payment event information is associated with the target resource. Wherein the target resource is determined from the total resources according to a resource value corresponding to the payment object. For example, if the resource value corresponding to the payment object is 15, 15 is extracted from the total resource 100 as the target resource. The target resource may be understood as being temporarily frozen, and its 15 elements may be defrosted and its target order may be paid using the defrosted 15 elements only if the target order related to the payment event information is paid and the target order related to the payment event information satisfies a certain condition.
Based on this, the electronic device receives a first input to pay the target order, and in response to the first input, obtains a first keyword with the target order. The first keyword is similar to the content principle included in the second keyword, namely the first keyword also includes attribute information and payment condition information of the payment object. Wherein the attribute information of the payment object includes at least one of: the payment object name is the name of the purchased commodity included in the target order, and the resource value corresponding to the payment object is the resource value corresponding to the name of the purchased commodity; the payment condition includes at least one of: the payment time, such as the time the target order was generated, the payment address, such as from satellite positioning, determines the geographic location of the user currently paying for the target order.
And then, matching the pre-stored second keywords with the first keywords acquired currently. The matching method may be to match each parameter related to the second keyword with a parameter corresponding to the second keyword in the first keyword. For example, matching the payment object name in the second keyword with the payment object name in the first keyword; or, the resource value corresponding to the payment object in the second keyword is matched with the payment object name in the first keyword, and other parameters are compared in the same way, which is not described herein.
Then, in the case that the matching result of the second keyword and the first keyword satisfies a preset condition such as that the second keyword and the first keyword match the same, the target order is paid through the target resource corresponding to the payment event information. Otherwise, when the matching result of the second keyword and the first keyword does not meet the preset condition, for example, at least one parameter of the second keyword and the first keyword is different, prompt information is generated according to the different parameters, for example, when the payment address located in store a in the second keyword is different from the payment address located in the second keyword, a navigation route from the payment address located currently to store a is re-planned through the route navigation application, and the navigation route is prompted to a user through the electronic device. Or when the matching result of the second keyword and the first keyword does not meet the preset condition, for example, at least one parameter of the second keyword and the first keyword is different, according to the different parameters, the user is prompted to unlock and use the target resource because the target order does not meet the condition of using the target resource for payment while the prompt information is generated.
In addition, when the payment architecture includes the first electronic device and the second electronic device, the first user (i.e., the first object) and the second user (i.e., the second object) communicate, communication information of the first user and the second user is acquired based on the first electronic device, where the chat record may be a chat record of the first user and the second user in the same application program, or a chat record of the first user and the second user acquired by the electronic device in different application programs, and of course, the communication information may include notification information in a mail, such as a scene that a certain company leads to an instruction related to purchasing office supplies in a personnel mail. The first electronic equipment performs semantic recognition on the communication information and extracts semantic keywords from the communication information; word meaning expansion is carried out on semantic keywords, and related phrases are obtained; and generating payment event information of the first user delegated by the second user based on the second keyword selected from the associated phrase. If the second keyword is obtained from the chat record of the second user with the first user in an instant messaging application program (or based on the chat record, if the user wants to drink milk tea, the store and taste related to the milk tea are generated based on the milk tea, so that the second keyword is generated according to the confirmation operation of the second user in the generated store and taste related to the milk tea), during the communication process, the second user entrusts the first user to purchase a cup of milk tea 1 in store A in the Wanday square A seat between 3 pm and 4 pm on 4 months 15 of 2021.
In this way, after determining the payment event information, the first electronic device displays the payment time, the payment place, and the payment object name in the payment event information to the first user to cause the first user to determine whether to accept the delegation of the second user. Under the condition that the first electronic equipment receives input that the first user determines to accept the delegation of the second user, detecting whether the communication information comprises a first resource which is sent by a second object and corresponds to the payment event information or not; and under the condition that the communication information comprises the first resource, determining the first resource as a target resource, and associating the payment event information with the target resource. Otherwise, when the first electronic device receives the input that the first user determines that the delegation of the second user is not accepted, the first electronic device generates prompt information to the second electronic device that the delegation of the second user is not accepted. It should be noted that, the second keyword related to the payment architecture is the same as the second keyword related to the payment architecture, and will not be described herein.
After associating the payment event information with the target resource, the first electronic device receives a first input to pay for the target order, and in response to the first input, obtains a first keyword associated with the target order. Here, the first keyword related to the payment architecture is the same as the first keyword related to the previous payment architecture, and will not be described herein. Wherein the first keyword may include attribute information of the payment object and payment conditions. Here, the attribute information of the payment object includes at least one of: the payment object name is the name of the purchased commodity included in the target order, and the resource value corresponding to the payment object is the resource value corresponding to the name of the purchased commodity; the payment condition includes at least one of: the payment time, such as the time the target order was generated, the payment address, such as from satellite positioning, determines the geographic location of the first user currently paying for the target order.
And then, matching the pre-stored second keywords with the first keywords acquired currently. The matching method may be to match each parameter related to the second keyword with a parameter corresponding to the second keyword in the first keyword. For example, matching the payment object name in the second keyword with the payment object name in the first keyword; or, the resource value corresponding to the payment object in the second keyword is matched with the payment object name in the first keyword, and other parameters are compared in the same way, which is not described herein.
Then, under the condition that the matching result of the second keyword and the first keyword meets the preset condition, such as that the matching of the second keyword and the first keyword is the same (or the matching rate of the matching of the second keyword and the first keyword is greater than or equal to the preset matching rate), the first electronic device pays the target order through the target resource corresponding to the payment event information. Otherwise, when the matching result of the second keyword and the first keyword does not meet the preset condition, for example, at least one parameter in the second keyword and the first keyword is different, prompt information is generated according to the different parameters, for example, when the payment addresses of the positioning set in the store a in the second keyword and the payment addresses of the positioning set in the first keyword are different, a navigation route from the payment address of the current positioning to the store a is re-planned through the route navigation application, and the navigation route is prompted to the first user through the first electronic device, so that the first user reaches the store a according to the navigation route.
Therefore, in the embodiment of the application, the time for reminding the payment event and the operation flow of the user are reduced by actively acquiring the payment event information, so that the possibility of incorrect operation of the user during autonomous operation is avoided. In addition, by associating the payment time information with the target resource, when the resources for different mobile payment purposes are stored together, the resource management can be respectively carried out, and the efficiency of the resource management is improved. Based on the above, when the first input of the payment target order is received, the second keyword of the target order is acquired, so that under the condition that the matching result of the second keyword of the payment target order and the second keyword of the pre-stored payment event information meets the preset condition, the target order is paid through the frozen target resource corresponding to the pre-stored payment event information, special money is realized, and the payment efficiency is improved.
It should be noted that, the payment method provided in the embodiment of the present application may be applied to the scenario where the user sets payment event information by himself, for example, the scenario where a certain order is planned to be purchased or paid, that is, the electronic device scans an image of an object that is desired to be purchased (or directly inputs a name of the object that is desired to be purchased), identifies the name of the object, compares the resource values of the object in several shopping platforms according to the name of the object, and then, after the user sets a wish implementing date, the electronic device determines a currently locked resource, that is, a target resource (or, freezes the resource in a stage until the resource value of the frozen resource is the same as the highest resource value) according to the highest resource value corresponding to the object in each shopping platform, and then, associates the target resource with the purchase object, and pays the target order of the purchase object through the target resource when paying the target order with the purchase object. In addition, the method can also be a scene that the second user entrusts the payment event information of the first user, for example, a scene that the company A entrusts the agent to carry out a large amount of resource agent events, and the problem that the agent uses funds is avoided by associating the payment event information with resources, namely special money, and paying the payment scene of the target order through the resources associated with the payment event information under the condition that the keywords of the target order to be paid are matched with the payment event information. In addition, the second user may limit the consumption behavior of the first user by freezing resources, such as the parental limit the spending of children only purchasing food, books, or stationery, not purchasing game equipment, not paying orders at business locations where limited underage is going, and so forth. Of course, the payment method provided by the embodiment of the application can be applied to any payment scenario which can be used for associating the payment event information with the resources, namely, dedicated payment, and paying the target order through the resources associated with the pre-stored payment event information under the condition that the keywords of the target order to be paid are matched with the pre-stored payment event information.
According to the above application scenario, the following describes in detail the payment method provided by the embodiment of the present application with reference to fig. 3.
Fig. 3 is a flowchart of a payment method according to an embodiment of the present application.
As shown in fig. 3, the payment method may be applied to an electronic device, and based on this, the method may specifically include the following steps:
step 310, receiving a first input of a payment target order; step 320, in response to the first input, obtaining a first keyword related to the target order and obtaining payment event information, the payment event information including a second keyword, the payment event information being associated with the target resource; step 330, paying the target order through the target resource when the matching result of the first keyword and the second keyword meets the preset condition.
Therefore, through actively acquiring the payment event information, the time for reminding the payment event set by the user and the operation flow of the user are reduced, and the possibility of incorrect operation of the user during autonomous operation is avoided. In addition, by associating the payment time information with the target resource, when the resources for different mobile payment purposes are stored together, the resource management can be respectively carried out, and the efficiency of the resource management is improved. Based on the above, when the first input of the payment target order is received, the second keyword of the target order is acquired, so that under the condition that the matching result of the second keyword of the payment target order and the second keyword of the pre-stored payment event information meets the preset condition, the target order is paid through the frozen target resource corresponding to the pre-stored payment event information, special money is realized, and the payment efficiency is improved.
The following describes the above steps in detail, as follows:
first, referring to step 310, in one or more alternative embodiments, prior to step 310, the payment method may further comprise:
acquiring payment event information, wherein the payment event information comprises a second keyword;
the payment event information is associated with a target resource.
The step of acquiring payment event information may specifically include:
acquiring communication information, wherein the communication information comprises chat records of a first object and a second object;
and determining payment event information according to the communication information.
Here, the first object may be a user holding the first electronic device in the second architecture, and similarly, the second object may be a user holding the second electronic device in the second architecture.
In the case that the communication information includes communication text information, the step of determining payment event information according to the communication information may specifically include:
carrying out semantic recognition on the communication information, and extracting semantic keywords from the communication information;
word meaning expansion is carried out on semantic keywords, and related phrases are obtained;
and generating payment event information based on the second keyword selected from the associated phrase.
It should be noted that, the second keyword in the embodiment of the present application may include attribute information and payment condition information of the payment object; wherein the attribute information of the payment object includes at least one of: a payment object name, a resource value corresponding to the payment object; the payment condition includes at least one of: payment time, payment address.
Based on this, when the agent (e.g., the first object) communicates with the principal (e.g., the second object) and when the chat window is in communication with the principal, the agent receives a request from the principal to request the principal to make a proxy, e.g., the principal makes a purchase of a cup of milk tea 1 by store a in the base of the vanda square a between 3 pm and 4 pm on the year 4 month 15 of 2021, the electronic device (e.g., the first electronic device) determines whether to create payment event information by semantic recognition, and when the payment event information is established, determines whether to involve a proxy resource corresponding to the payment event information. When the backlog related to the resources is met, semantic recognition and content analysis are carried out on the chat records of the communication, keywords such as the backlog category, the resource value and the execution time of the backlog resources are extracted, and the keywords are displayed in a floating small window at the side of the screen, so that a user can edit and create the keywords independently, then the keywords are synonymously expanded to generate a series of second keyword self-organizing sequences, and then the second keyword self-organizing sequences are used as feature tags to match specific scenes and objects related to the second keyword self-organizing sequences, wherein the scene matching is mainly aimed at personalized features in certain special scenes.
Based on this, after the second keyword is determined, the electronic device will extract information of four dimensions of place, time, event and amount existing in the second keyword, and if only a part of the dimensions exist, only a part is extracted. The electronic equipment is used for setting a positioning prompt according to the place and time information system in the later stage, prompting the agent event when any two dimensions are satisfied, wherein when the time dimension is satisfied and the place dimension is not satisfied, the electronic equipment automatically plans a path to provide an optimal action scheme for the agent, or prompting the agent whether to accept the current agent request immediately when the time dimension conflicts with the schedule.
It should be noted that, when detecting that the dimension does not overlap with the information previously set by the agent, such as event conflict, the electronic device will remind the agent whether to create payment event information, and when the agent needs to create payment event information, the electronic device will guide to create an event schedule by dragging the second keyword in the floating widget to the designated money to be collected, and freeze the amount of money collected this time. Here, in some cases, when the electronic device recognizes that a plurality of payment event information is involved in the chat records of the agent and the principal, the amount corresponding to the event is read from the chat records, and the user is guided to drag the related keyword to the designated deposit. When the corresponding amount of the payment event information is not recognized or the agent wants to prescribe the amount, the agent is guided to drag the keyword, after the keyword is dragged to the amount, the system pops up a popup window of the payment event information frozen amount __ so as to be filled with the proper amount by the agent, and therefore the target resource is confirmed.
Therefore, generation of payment event information is automatically identified through semantic identification and content analysis, the operation flow of a user is reduced, and meanwhile, generation of misoperation during autonomous operation of the user is avoided. In addition, in the case where a plurality of payment time information are involved, accuracy of the keywords and payment event time is improved by the user's autonomous operation function of the keywords. In the embodiment of the application, the coverage of the second keyword is greatly increased through the synonymous expansion function of the second keyword, and the error rate of matching recognition is reduced for the later process of matching the first keyword with the second keyword.
In addition, in the case where the communication information includes the first image information, the step of determining payment event information according to the communication information may specifically include:
identifying first image information and determining a subject object in the first image information;
generating identity information corresponding to the subject object according to the subject object;
and determining the identity information as a second keyword, and generating payment event information based on the second keyword.
For example, the electronic device prompts that payment event information can be determined through the shot image, based on the payment event information, when receiving input of the shot image of the user, a first image is acquired, scanning analysis of scenes and objects is performed on the first image, personalized feature extraction is performed, identification information corresponding to the main body object is generated, for example, the identification information comprises the milky tea object and the shop name of the milky tea object in the image, or the shop name of the milky tea object is determined according to the external form of the milky tea object. It should be noted that the two ways of determining the payment event information mentioned above may be used in combination with each other, so as to automatically set a schedule reminding function of the payment event information according to the determined payment event information.
In another or more alternative embodiments, in addition to the manner of determining payment event information according to the chat log in the above process, the payment event information may be determined by directly inputting content by the user, based on which the step 310 may specifically include:
receiving target input of a user;
in response to the target input, the payment event information is determined according to the content corresponding to the target input.
Next, referring to step 320, in one or more alternative embodiments, prior to step 320, the payment method may further include:
detecting whether the communication information comprises a first resource which is sent by a second object and corresponds to the payment event information; and under the condition that the communication information comprises the first resource, determining the first resource as a target resource.
For example, when the electronic device detects that the chat record of the first object and the second object includes transfer information that the second object sends to the first object and corresponds to payment event information, a first resource, such as 12-element, involved in the transfer information is determined as a target resource.
Otherwise, under the condition that the communication information does not comprise the first resource, sending a payment request to the second object, wherein the payment request is used for requesting the second object to determine the second resource corresponding to the payment event information according to the second keyword;
Receiving payment feedback information sent by a second object, wherein the payment feedback information comprises a second resource;
the second resource is determined to be the target resource.
For example, when the electronic device detects that the chat record of the first object and the second object does not include transfer information sent by the second object to the first object and corresponding to the payment event information, the first electronic device sends a payment request to the second electronic device, the second electronic device displays that the payment request is received, and when receiving an input that the second user determines to pay the second resource corresponding to the payment event information, sends payment feedback information to the first electronic device, wherein the payment feedback information includes the second resource.
In addition, in order to facilitate the first object to determine whether to accept the delegation of the second object, navigation information from the current position of the first object to the geographic position of the second object delegated purchase product may be generated according to the geographic position of the second object delegated purchase product, so that the first object may determine whether to accept the delegation of the second object according to the navigation information.
Thus, based on the second keyword specific category information, the payment method may further include, prior to step 320:
When the second keyword includes a payment address, a navigation route is displayed, the navigation route being a route from the current location to the payment address.
Based on this, when the first object determines to accept the delegation of the second object based on the route, this step 320 may specifically include: receiving a third input of the navigation route;
in response to the third input, the payment event information is associated with the target resource.
Of course, the execution time of the payment event of the first object delegated by the second object may not be executed at present, and may be in a period of one week, or tomorrow, etc., at this time, whether there is a conflict with the payment time related to the payment event information may be determined according to the schedule record of the first object, and if there is a conflict, the first object may be prompted to collide with the schedule record. Alternatively, navigation information concerning the payment time and the travel position in the travel record of the first object to the geographical position where the second object entrusts to purchase the product may be displayed according to the travel record of the first object, so that the first object can determine whether to accept the entrustment of the second object based on the time and the navigation information. Wherein, in case the second keyword further comprises a payment time, the navigation route is a route determined from the current location to the payment address based on the payment time.
Based on this, the embodiment of the application can determine the first keywords related to the first object according to the positioning information and the target order of the first object, and of course, the first keywords related to the first object can also be determined according to the second image, the positioning information and the target order which are currently acquired by the electronic device. Thus, referring to step 320, in one or more alternative embodiments, in particular, step 320 may include:
acquiring a photographed second image, the second image including at least one photographing object of: an image of the merchandise receipt, a location image of the payment address;
and determining a first keyword according to the positioning information of the first object, the target order and the shooting object in the second image.
It should be noted that, the first keyword in the embodiment of the present application may include attribute information and payment condition information of the payment object; wherein the attribute information of the payment object includes at least one of: a payment object name, a resource value corresponding to the payment object; the payment condition includes at least one of: payment time, payment address.
Then, referring to step 330, in one or more alternative embodiments, before paying the target order through the target resource, it needs to determine whether the matching result of the first keyword and the second keyword meets the preset condition, where the agent may start the camera of the electronic device, perform scan analysis on the scene and the object, perform personalized feature extraction on the scene and the object, and collect the first keyword. And the first keywords are taken to the second keywords generated in the earlier stage (the keywords can be keywords directly input by a user or keywords related to related phrases generated by carrying out semantic recognition according to communication information) for comparison. The comparison process may be to perform matching of dimensions of time, place, etc. according to multiple dimensions of the second keyword (each dimension represents information included in the second keyword, such as attribute information of a payment object and payment condition information), and only when the information of the dimensions are successfully matched, the locked target resource is unlocked and the target order is paid. Such as: the principal puts forward that when the client buys a cup of hot drink in a tea-like shop in the area of Wandao square from three to four pm, after the client arrives at the shop, the shop front is scanned, the system background is matched, after the time and place are matched, the item is thawed, and the payment page of the corresponding software is automatically jumped, so that the user is better assisted to finish payment. Here, the image is acquired by the camera, and the acquired second keyword is acquired by data acquisition and feature matching identification of the image, so that the operation of a user can be simplified, the user experience is improved, in addition, the state of resources, namely the locking state or the unlocking state, is controlled by the multi-dimensional information, namely the multi-dimensional information related to the first keyword and the multi-dimensional information related to the second keyword, the safety of information of a proxy event is ensured, and the possibility that the target resources are misused is prevented.
In summary, according to the payment method provided by the embodiment of the application, through actively acquiring the payment event information, the time for reminding the payment event set by the user and the operation flow of the user are reduced, and the possibility of incorrect operation of the user during autonomous operation is avoided. In addition, by associating the payment time information with the target resource, when the resources for different mobile payment purposes are stored together, the resource management can be respectively carried out, and the efficiency of the resource management is improved. Based on the above, when the first input of the payment target order is received, the second keyword of the target order is acquired, so that under the condition that the matching result of the first keyword of the payment target order and the second keyword of the pre-stored payment event information meets the preset condition, the target order is paid through the frozen target resource corresponding to the pre-stored payment event information, special money is realized, and the payment efficiency is improved.
It should be noted that, the resources (such as the first resource, the second resource, the target resource, etc.) involved in the embodiment of the present application may refer to electronic money, and the resource values corresponding to the resources may refer to the amounts corresponding to the electronic money, such as 15 yuan.
It should be noted that, in the payment method provided by the embodiment of the present application, the execution body may be a payment device, or a control module of the payment device for executing the payment method. In the embodiment of the present application, a payment device executes a payment method as an example, and a payment device provided by the embodiment of the present application is described.
Based on the same inventive concept, the application also provides a payment device. This is described in detail with reference to fig. 4.
Fig. 4 is a schematic structural diagram of a payment device according to an embodiment of the present application.
As shown in fig. 4, the payment device 40 is applied to the electronic apparatus as referred to in fig. 1 or fig. 2, and may specifically include:
a receiving module 401, configured to obtain a second keyword corresponding to a target order when receiving a first input of a payment target order;
an obtaining module 402, configured to obtain, in response to a first input, a first keyword related to a target order and obtain payment event information, where the payment event information includes a second keyword, and the payment event information is associated with a target resource;
and the payment module 403 is configured to pay the target order through the target resource when the matching result of the first keyword and the second keyword meets the preset condition.
The following describes the payment device 40 in detail, as follows:
in one or more possible embodiments, the obtaining module 402 in the embodiments of the present application may be specifically configured to obtain communication information, where the communication information includes a chat record of the first object and the second object; and determining payment event information according to the communication information.
The acquiring module 402 in the embodiment of the present application is specifically configured to, when the communication information includes communication text information, perform semantic recognition on the communication information, and extract semantic keywords from the communication information;
word meaning expansion is carried out on semantic keywords, and related phrases are obtained;
and generating payment event information based on the second keyword selected from the associated phrase.
Alternatively, the acquiring module 402 in the embodiment of the present application is specifically configured to identify the first image information and determine the subject object in the first image information when the communication information includes the first image information;
generating identity information corresponding to the subject object according to the subject object;
and determining the identity information as a second keyword, and generating payment event information based on the second keyword.
In one or more possible embodiments, the obtaining module 402 may be specifically configured to obtain a second captured image, where the second captured image includes at least one of the following captured objects: an image of the merchandise receipt, a location image of the payment address;
and determining a first keyword according to the positioning information of the first object, the target order and the shooting object in the second image.
In one or more possible embodiments, the payment device 40 may further include a detection module configured to detect whether the communication information includes a first resource sent by the second object to the first object, where the first resource is associated with payment event information;
and under the condition that the communication information comprises the first resource, determining the first resource as a target resource.
In one or more possible embodiments, the payment apparatus 40 may further include a first determining module for determining whether a resource value of the first resource and a resource value corresponding to the payment object in the payment event information are the same;
and determining the first resource as a target resource under the condition that the resource value of the first resource is the same as the resource value corresponding to the payment object in the payment event information.
In one or more possible embodiments, the payment device 40 may further include a sending module and a second determining module; wherein, the liquid crystal display device comprises a liquid crystal display device,
the sending module is used for sending a payment request to the second object under the condition that the communication information is detected to not comprise the first resource, wherein the payment request is used for requesting the second object to determine a second resource corresponding to the payment event information according to the second keyword; the receiving module 401 is further configured to receive payment feedback information sent by the second object, where the payment feedback information includes a second resource; and the second determining module is used for determining the second resource as a target resource.
It should be noted that, the first keyword or the second keyword includes attribute information and payment condition information of the payment object; wherein the attribute information of the payment object includes at least one of: a payment object name, a resource value corresponding to the payment object;
the payment condition includes at least one of: payment time, payment address.
In one or more possible embodiments, the payment device 40 may further include a display module for displaying a navigation route when the second keyword includes a payment address, the navigation route being a route from the current location to the payment address; based thereon, the receiving module 401 is further configured to receive a third input of the navigation route; the obtaining module 402 is specifically configured to associate payment event information with the target resource in response to the third input.
Wherein, in case the second keyword further comprises a payment time, the navigation route is a route determined from the current location to the payment address based on the payment time.
The payment device in the embodiment of the application can be a device, and also can be a component, an integrated circuit or a chip in electronic equipment. The device may be a mobile electronic device or a non-mobile electronic device. By way of example, the mobile electronic device may be a cell phone, tablet computer, notebook computer, palm computer, vehicle mounted electronic device, wearable device, ultra-mobile personal computer (ultra-mobile personal computer, UMPC), netbook or personal digital assistant (personal digital assistant, PDA), etc., and the non-mobile electronic device may be a server, network attached storage (Network Attached Storage, NAS), personal computer (personal computer, PC), television (TV), teller machine or self-service machine, etc., and embodiments of the present application are not limited in particular.
The payment device in the embodiment of the application may be a device with an operating system. The operating system may be an Android operating system, an ios operating system, or other possible operating systems, and the embodiment of the present application is not limited specifically.
The payment device provided by the embodiment of the present application can implement each process implemented by the embodiments of the methods of fig. 1 to 3, and in order to avoid repetition, a detailed description is omitted here.
In the embodiment of the application, the time for reminding the payment event and the operation flow of the user are reduced by actively acquiring the payment event information, so that the possibility of incorrect operation of the user in autonomous operation is avoided. In addition, by associating the payment time information with the target resource, when the resources for different mobile payment purposes are stored together, the resource management can be respectively carried out, and the efficiency of the resource management is improved. Based on the above, when the first input of the payment target order is received, the second keyword of the target order is acquired, so that under the condition that the matching result of the second keyword of the payment target order and the second keyword of the pre-stored payment event information meets the preset condition, the target order is paid through the frozen target resource corresponding to the pre-stored payment event information, special money is realized, and the payment efficiency is improved.
Optionally, as shown in fig. 5, the embodiment of the present application further provides an electronic device 50, including a processor 501, a memory 502, and a program or an instruction stored in the memory 502 and capable of being executed on the processor 501, where the program or the instruction implements each process of the embodiment of the payment method when executed by the processor 501, and the process can achieve the same technical effect, and for avoiding repetition, a detailed description is omitted herein.
The electronic device in the embodiment of the application includes the mobile electronic device and the non-mobile electronic device.
Fig. 6 is a schematic hardware structure of an electronic device according to an embodiment of the present application.
The electronic device 600 includes, but is not limited to: radio frequency unit 601, network module 602, audio output unit 603, input unit 604, sensor 605, display unit 606, user input unit 607, interface unit 608, memory 609, and processor 610.
Those skilled in the art will appreciate that the electronic device 600 may further include a power source (e.g., a battery) for powering the various components, which may be logically connected to the processor 610 by a power management system to perform functions such as managing charge, discharge, and power consumption by the power management system. The electronic device structure shown in fig. 6 does not constitute a limitation of the electronic device, and the electronic device may include more or less components than shown, or may combine certain components, or may be arranged in different components, which are not described in detail herein.
Wherein, in the embodiment of the present application, the user input unit 607 is used for receiving the first input of the payment target order. A processor 610 for obtaining a first keyword related to the target order and obtaining payment event information in response to the first input, the payment event information including a second keyword, the payment event information being associated with the target resource; and paying a target order through the target resource under the condition that the matching result of the first keyword and the second keyword meets the preset condition.
Therefore, through actively acquiring the payment event information, the time for reminding the payment event set by the user and the operation flow of the user are reduced, and the possibility of incorrect operation of the user during autonomous operation is avoided. In addition, by associating the payment time information with the target resource, when the resources for different mobile payment purposes are stored together, the resource management can be respectively carried out, and the efficiency of the resource management is improved. Based on the above, when the first input of the payment target order is received, the second keyword of the target order is acquired, so that under the condition that the matching result of the second keyword of the payment target order and the second keyword of the pre-stored payment event information meets the preset condition, the target order is paid through the frozen target resource corresponding to the pre-stored payment event information, special money is realized, and the payment efficiency is improved.
It should be understood that the input unit 604 may include a graphics processor (Graphics Processing Unit, GPU) 6041 and a microphone 6042, the graphics processor 6041 processing image data of still images or video obtained by an image capturing apparatus (such as a camera) in a video capturing mode or an image capturing mode. The display unit 606 may include a display panel 6061, and the display panel 6061 may be configured in the form of a liquid crystal display, an organic light emitting diode, or the like. The user input unit 607 includes a touch panel 6071 and other input devices 6072. The touch panel 6071 is also called a touch screen. The touch panel 6071 may include two parts of a touch detection device and a touch controller. Other input devices 6072 may include, but are not limited to, a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and so forth, which are not described in detail herein. The memory 609 may be used to store software programs as well as various data including, but not limited to, application programs and an operating system. The processor 610 may integrate an application processor that primarily handles operating systems, user interfaces, applications, etc., with a modem processor that primarily handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 610.
The embodiment of the application also provides a readable storage medium, and the readable storage medium stores a program or an instruction, which when executed by a processor, implements each process of the payment method embodiment, and can achieve the same technical effects, so that repetition is avoided, and no further description is provided herein.
The processor is a processor in the electronic device in the above embodiment. Among them, the readable storage medium includes a computer readable storage medium such as a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a magnetic disk or an optical disk, and the like.
In addition, the embodiment of the application further provides a chip, the chip comprises a processor and a communication interface, the communication interface is coupled with the processor, the processor is used for running programs or instructions, the processes of the embodiment of the payment method can be realized, the same technical effects can be achieved, and the repetition is avoided, and the description is omitted here.
It should be understood that the chips referred to in the embodiments of the present application may also be referred to as system-on-chip chips, chip systems, or system-on-chip chips, etc.
It should be noted that, in this document, 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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
Furthermore, it should be noted that the scope of the methods and apparatus in the embodiments of the present application is not limited to performing the functions in the order shown or discussed, but may also include performing the functions in a substantially simultaneous manner or in an opposite order depending on the functions involved, e.g., the described methods may be performed in an order different from that described, and various steps may be added, omitted, or combined. Additionally, features described with reference to certain examples may be combined in other examples.
From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in part in the form of a computer software product stored on a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) comprising instructions for causing a terminal (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method of the embodiments of the present application.
The embodiments of the present application have been described above with reference to the accompanying drawings, but the present application is not limited to the above-described embodiments, which are merely illustrative and not restrictive, and many forms may be made by those having ordinary skill in the art without departing from the spirit of the present application and the scope of the claims, which are to be protected by the present application.
Claims (10)
1. A method of payment, comprising:
receiving a first input of a payment target order;
responding to the first input, acquiring a first keyword related to the target order and acquiring payment event information, wherein the payment event information comprises a second keyword, the payment event information is associated with a target resource, the payment event information is input by a user or is determined according to communication information, and the first keyword and the second keyword comprise attribute information and payment condition information of a payment object;
under the condition that the matching result of the first keyword and the second keyword meets a preset condition, paying the target order through the frozen target resource corresponding to the pre-stored payment event information;
Wherein the attribute information of the payment object includes at least one of: a payment object name, a resource value corresponding to the payment object; the payment condition information includes at least one of: payment time, payment address.
2. The method of claim 1, wherein the obtaining payment event information comprises:
communication information is acquired, wherein the communication information comprises chat records of a first object and a second object;
and determining the payment event information according to the communication information.
3. The method of claim 2, wherein the communication information comprises a communication text message; the determining the payment event information according to the communication information comprises the following steps:
carrying out semantic recognition on the communication information, and extracting semantic keywords from the communication information;
expanding word meaning of the semantic keywords to obtain related phrases;
and generating the payment event information based on the second keyword selected from the associated phrase.
4. The method of claim 2, wherein the communication information comprises first image information; the determining the payment event information according to the communication information comprises the following steps:
Identifying the first image information and determining a subject object in the first image information;
generating identity information corresponding to the subject object according to the subject object;
and determining the identification information as the second keyword, and generating the payment event information based on the second keyword.
5. The method of claim 4, wherein the obtaining the first keyword with the target order comprises:
acquiring a photographed second image, the second image including at least one photographed object of: an image of the merchandise receipt, a location image of the payment address;
and determining the first keyword according to the positioning information of the first object, the target order and the shooting object in the second image.
6. The method of any of claims 2-4, wherein prior to the payment of the target order via the target resource, the method further comprises:
detecting whether the communication information comprises a first resource sent to the first object by the second object, wherein the first resource is associated with the payment event information;
and under the condition that the communication information comprises the first resource, determining the first resource as the target resource.
7. The method of claim 6, wherein prior to the determining the first resource as the target resource, the method further comprises:
determining whether the resource value of the first resource is the same as the resource value corresponding to the payment object in the payment event information;
and determining the first resource as the target resource under the condition that the resource value of the first resource is the same as the resource value corresponding to the payment object in the payment event information.
8. The method of claim 6, wherein after detecting whether the communication includes the first resource to which the second object is sent to the first object, the method further comprises:
sending a payment request to the second object under the condition that the communication information does not comprise the first resource, wherein the payment request is used for requesting the second object to determine a second resource corresponding to the payment event information according to the second keyword;
receiving payment feedback information sent by the second object, wherein the payment feedback information comprises the second resource;
and determining the second resource as the target resource.
9. The method of claim 1, wherein prior to the obtaining payment event information, the method further comprises:
displaying a navigation route when the second keyword comprises a payment address, wherein the navigation route is a route from the current position to the payment address;
receiving a third input to the navigation route;
in response to the third input, the payment event information is associated with a target resource.
10. A payment device, comprising:
the receiving module is used for acquiring a second keyword corresponding to the target order when receiving the first input of the payment target order;
the acquisition module is used for responding to the first input, acquiring a first keyword related to the target order and acquiring payment event information, wherein the payment event information comprises a second keyword, the payment event information is related to a target resource, the payment event information is input by a user or is determined according to communication information, and the first keyword and the second keyword comprise attribute information and payment condition information of a payment object;
the payment module is used for paying the target order through the frozen target resource corresponding to the pre-stored payment event information under the condition that the matching result of the first keyword and the second keyword meets the preset condition;
Wherein the attribute information of the payment object includes at least one of: a payment object name, a resource value corresponding to the payment object; the payment condition information includes at least one of: payment time, payment address.
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