CN114757672A - Offline installment payment scheme pushing method and device - Google Patents

Abstract

The invention relates to an offline installment payment scheme pushing method and device. The method for pushing the offline installment scheme comprises the following steps: a scheme acquisition step, wherein an acceptance terminal acquires at least one installment payment scheme, and the installment payment scheme is acquired by the acceptance terminal according to the input payment amount; a scheme display step, wherein the acceptance terminal displays at least one installment scheme acquired in the scheme acquisition step; a plan confirmation step in which the acceptance terminal receives selection information for the at least one installment scheme displayed in the plan display step and confirms the selection information as the selected installment scheme; and a transaction initiating step, wherein the acceptance terminal initiates a transaction flow to a background system based on the confirmed installment scheme and the obtained bank card information. According to the invention, the pushing of the installment payment mode can be actively carried out when the payment amount meets the specified conditions under the condition of not interrupting the transaction operation.

Description

Offline installment payment plan push method and device

technical field

The present invention relates to the field of computer technology, in particular to a method for pushing an offline installment payment plan and a device for pushing an offline installment payment plan.

Background technique

Taking the smart POS machine as an example, when the offline terminal accepts installment transactions, it relies on entering the independent "installment" function, and then performs operations such as amount input, number of installments, and card swiping. It is necessary to rely on the communication between the cashier and the user or the user's active expression to accept the recommendation of the terminal-side transaction without installment throughout the process.

However, in the current prior art, there is no plan to actively recommend or actively push the installment payment method in offline transactions, so it is difficult to implement an effective installment payment plan for offline scenarios other than large rigid demands such as car purchases push.

It is hoped to propose a recommended method that can optimize the installment payment method when the offline terminal accepts transactions.

SUMMARY OF THE INVENTION

In view of the above problems, the present invention aims to provide an offline installment payment plan pushing method and an offline installment plan pushing device that can actively perform installment payment without interrupting transaction operations.

The method for pushing an offline installment payment plan according to an aspect of the present invention is characterized in that it includes:

In the scheme acquisition step, the acceptance terminal acquires at least one installment payment scheme, and the installment payment scheme is obtained by the acceptance terminal according to the input payment amount;

a plan displaying step, wherein the accepting terminal displays at least one installment plan obtained in the plan obtaining step;

a plan confirmation step, the acceptance terminal receives the selection information for the at least one installment payment plan displayed in the plan display step, and confirms it as the selected installment payment plan; and

In the transaction initiation step, the acceptance terminal initiates a transaction process to the background system based on the confirmed installment payment plan and the acquired bank card information.

Optionally, in the plan obtaining step, it is judged according to the input payment amount whether the input payment amount complies with the installment payment conditions and one or more installment payment plans corresponding to the payment amount are obtained.

Optionally, in the plan obtaining step, it is judged whether the input payment amount meets the installment payment conditions according to the input payment amount, and the acceptance terminal obtains the installment payment plan corresponding to the payment amount from the background system.

Optionally, before the scheme obtaining step, it further includes:

In the plan inquiry step, the acceptance terminal inquires whether the installment plan has been stored locally.

Optionally, if it is determined in the plan query step that the installment plan has been stored locally, then in the plan acquisition step, according to the input payment amount, the accepting terminal obtains from the local the corresponding payment plan. The installment plan for the stated payment amount.

Optionally, before the solution query step, it further includes:

In the step of downloading the plan, the acceptance terminal downloads the installment payment plan from the background system in advance and stores the installment payment plan locally.

Optionally, in the plan downloading step, the acceptance terminal downloads the installment payment plan from the background system when checking in to the background system.

Optionally, in the case of acquiring multiple installment payment plans in the plan obtaining step, the plan displaying step displays the multiple installment payment plans obtained in the plan obtaining step according to a preset priority.

The method for pushing an offline installment payment plan according to an aspect of the present invention is characterized in that it includes:

In the transaction initiation step, the acceptance terminal initiates a transaction process to the background system based on the input payment amount and the acquired bank card information;

In the plan acquisition step, the acceptance terminal obtains at least one installment payment plan, and the installment payment plan is obtained by the background system according to the bank card information sent by the acceptance terminal;

The plan display step, the acceptance terminal displays at least one installment plan obtained from the background system; and

In the plan confirmation step, the acceptance terminal selects an installment payment plan displayed in the plan display step, confirms the installment payment plan, and sends the confirmed installment payment plan to the background system.

Optionally, in the plan obtaining step, the installment payment plan corresponding to the card level information of the bank card is obtained through the bank card information of the bank card.

Optionally, in the case of acquiring multiple installment payment plans in the plan obtaining step, the plan displaying step displays the multiple installment payment plans obtained in the plan obtaining step according to a preset priority.

The device for pushing an offline installment payment plan according to an aspect of the present invention is characterized in that it includes:

a scheme acquisition module, configured to acquire at least one installment payment scheme, the installment payment scheme is determined by the acceptance terminal according to the input payment amount of the bank card;

A scheme display module, used to display one or more installment payment schemes acquired by the scheme acquisition module;

a plan confirmation module, configured to confirm the selected installment plan at the acceptance terminal after receiving the user's selection of an installment plan displayed in the plan display module; and

The transaction initiation module is used to initiate a transaction process to the background system based on the confirmed installment payment plan and the bank card information of the bank card.

Optionally, in the plan obtaining module, it is judged according to the input payment amount whether the input payment amount complies with the installment payment conditions, and one or more installment payment plans corresponding to the payment amount are obtained.

Optionally, in the plan acquisition module, it is judged whether the input payment amount complies with the installment payment conditions according to the input payment amount, and the installment payment plan corresponding to the payment amount is obtained from the background system.

Optionally, further include:

The plan query module is used to query whether the installment plan has been stored locally.

Optionally, if it is determined in the plan query module that the installment plan has been stored locally, then in the plan acquisition module, according to the input payment amount, the accepting terminal obtains from the local the corresponding payment plan. The installment plan for the stated payment amount.

Optionally, further include:

The plan download module is used to download the installment plan from the background system in advance and store the installment plan locally.

Optionally, in the plan downloading module, check in to the background system at a specified time interval and download the installment payment plan from the background system.

Optionally, the predetermined time interval is set to refer to daily check-in to the background system.

Optionally, in the case of acquiring multiple installment payment plans in the plan obtaining module, the plan displaying module displays the multiple installment payment plans obtained in the plan obtaining module according to a preset priority.

The device for pushing an offline installment payment plan according to an aspect of the present invention is characterized in that it includes:

The transaction initiation module is used to initiate the transaction process to the background system based on the input payment amount and the obtained bank card information;

a scheme acquisition module, configured to acquire at least one installment payment scheme, wherein the installment payment scheme is determined by the background system according to the bank card information sent by the acceptance terminal;

A plan display module for displaying one or more installment plans obtained from the backend system; and

The plan confirmation module is used to select an installment payment plan displayed in the plan display module, confirm the installment payment plan, and send the confirmed installment payment plan to the background system.

Optionally, in the plan obtaining module, the installment plan corresponding to the card level information is obtained through the bank information of the bank card.

Optionally, in the case of acquiring multiple installment payment plans in the plan obtaining module, the plan displaying module displays the multiple installment payment plans obtained in the plan obtaining module according to a preset priority.

An acceptance terminal according to an aspect of the present invention is characterized in that it includes the installment payment plan pushing device.

A computer-readable medium according to an aspect of the present invention, having a computer program stored thereon, is characterized in that, when the computer program is executed by a processor, the method for pushing an offline installment payment plan is implemented.

A computer device according to an aspect of the present invention includes: a memory; a processor; and a computer program stored on the memory and executable on the processor, characterized in that the execution of the computer program causes the processor to execute The computer program implements the method for pushing the offline installment payment plan.

Description of drawings

FIG. 1 is a schematic flowchart showing a method for pushing an installment payment plan according to an aspect of the present invention.

FIG. 2 is a schematic flowchart showing a method for pushing an installment payment plan according to another aspect of the present invention.

FIG. 3 is a schematic diagram showing the signal flow of the method for pushing an offline installment payment plan according to the first embodiment of the present invention.

FIG. 4 is a schematic diagram showing the signal flow of the method for pushing an offline installment payment plan according to the second embodiment of the present invention.

FIG. 5 is a schematic diagram showing a signal flow of a method for pushing an offline installment payment plan according to a third embodiment of the present invention.

FIG. 6 is a block diagram showing the structure of an offline installment plan pushing system according to an embodiment of the present invention.

FIG. 7 is a block diagram showing the structure of an offline installment plan pushing system according to still another embodiment of the present invention.

Detailed ways

Introduced below are some of the various embodiments of the present invention and are intended to provide a basic understanding of the present invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of what is claimed.

For the purposes of brevity and illustration, the principles of the invention are described herein primarily with reference to exemplary embodiments thereof. However, those skilled in the art will readily recognize that the same principles are equally applicable to all types of offline installment plan pushing methods and offline installment plan pushing devices and can be implemented therein, And any such changes do not depart from the true spirit and scope of this patent application.

Furthermore, in the following description, reference is made to the accompanying drawings, which illustrate specific exemplary embodiments. Electrical, mechanical, logical, and structural changes may be made to these embodiments without departing from the spirit and scope of the present invention. Furthermore, although a feature of the invention is disclosed in connection with only one of several implementations/embodiments, this feature may be combined with other implementations as may be desired and/or advantageous for any given or identifiable function / One or more other features of the embodiments are combined. Therefore, the following description should not be taken in a limiting sense, and the scope of the invention is defined by the appended claims and their equivalents.

Words such as "have" and "include" indicate that in addition to having units (modules) and steps that are directly and explicitly stated in the description and claims, the technical solution of the present invention does not exclude any units (modules) and steps that are not directly or explicitly stated. The situation of other units (modules) and steps of the representation.

FIG. 1 is a schematic flowchart showing a method for pushing an offline installment payment plan according to an aspect of the present invention.

Fig. 1 shows the process performed on the accepting terminal side of the method for pushing an offline installment payment plan according to an aspect of the present invention. As shown in Fig. 1 , the method for pushing an offline installment payment plan according to an aspect of the present invention includes:

The method for pushing an offline installment payment plan according to the first aspect of the present invention includes:

Scheme obtaining step S100: the acceptance terminal obtains at least one installment payment scheme, and the installment payment scheme is obtained by the acceptance terminal according to the input payment amount;

Scheme presentation step S200: the acceptance terminal displays at least one installment payment scheme acquired in the scheme acquisition step;

Scheme confirmation step S300: the acceptance terminal receives the selection information for the at least one installment payment scheme displayed in the scheme display step, and confirms it as the selected installment payment scheme; and

Transaction initiation step S400: the acceptance terminal initiates a transaction process to the background system based on the confirmed installment payment plan and the acquired bank card information.

Wherein, in the plan obtaining step S100, according to the input payment amount, it is judged whether the input payment amount complies with the installment payment conditions and one or more installment payment plans corresponding to the payment amount are obtained.

Optionally, in the plan obtaining step S100, it is judged whether the input payment amount meets the installment payment conditions according to the input payment amount, and the acceptance terminal obtains the installment payment plan corresponding to the payment amount from the background system.

Further, before the solution obtaining step S100, it further includes (not shown):

In the step of downloading the plan, the acceptance terminal downloads the installment payment plan from the background system in advance and stores the installment payment plan locally; and

In the plan inquiry step, the acceptance terminal inquires whether the installment plan has been stored locally.

Wherein, if it is determined in the plan inquiry step that the installment plan has been stored locally, then in the plan obtaining step S100, according to the input payment amount, the accepting terminal obtains from the local the corresponding installment plan. Installment plan for the stated payment amount.

Wherein, in the plan downloading step S100, the acceptance terminal downloads the installment payment plan from the background system when checking in to the background system.

Wherein, in the case of acquiring multiple installment payment plans in the plan obtaining step S100, in the plan displaying step, the multiple installment payment plans obtained in the plan obtaining step are displayed according to a preset priority.

FIG. 2 is a schematic flowchart showing a method for pushing an offline installment payment plan according to another aspect of the present invention.

Fig. 2 shows the process performed on the accepting terminal side of the method for pushing an offline installment payment plan according to another aspect of the present invention. As shown in Fig. 2, the method for pushing an offline installment payment plan according to another aspect of the present invention includes:

Transaction initiation step S500: the acceptance terminal initiates a transaction process to the background system based on the input payment amount and the acquired bank card information;

Scheme obtaining step S600: the acceptance terminal obtains at least one installment payment scheme, and the installment payment scheme is obtained by the background system according to the bank card information sent by the acceptance terminal;

Scheme presentation step S700: the acceptance terminal displays at least one installment scheme acquired from the background system; and

Scheme confirmation step S800 : at the acceptance terminal, select an installment payment scheme displayed in the scheme display step, confirm the installment payment scheme, and send the confirmed installment payment scheme to the background system.

Wherein, in the plan obtaining step S500, the installment payment plan corresponding to the card level information of the bank card is obtained through the bank card information of the bank card.

Wherein, in the case of acquiring multiple installment payment plans in the plan obtaining step S500, the multiple installment payment plans obtained in the plan obtaining step are displayed according to a preset priority in the plan displaying step.

The specific implementation of the method for pushing an offline installment payment plan according to the first embodiment of the present invention will be described below.

first embodiment

FIG. 3 is a schematic diagram showing the signal flow of the method for pushing an offline installment payment plan according to the first embodiment of the present invention.

The method for pushing an offline installment payment plan according to the first embodiment of the present invention is implemented by an acceptance terminal and a background system. As shown in FIG. 3 , the method for pushing an offline installment payment plan according to the first embodiment of the present invention includes the following steps:

Step S1: the cashier inputs the payment amount at the acceptance terminal;

Step S2: The acceptance terminal judges whether the payment amount satisfies the installment payment conditions, and the acceptance terminal proceeds to step S3 when judging that the payment amount meets the installment payment conditions;

Step S3: Obtain the installment payment plan from the acceptance terminal from the background system;

Step S4: Return the installment payment plan from the background system to the acceptance terminal;

Step S5: displaying the acquired installment payment plan at the acceptance terminal (for example, displaying multiple installment payment plans according to a preset priority, or displaying several plans with the highest priority);

Step S6: Select the installment payment plan according to the customer's wishes, that is, confirm the installment payment plan;

Step S7: Swipe the bank card of the corresponding customer at the acceptance terminal, and formally initiate a transaction process (ie, a transaction process of swiping the card) based on the confirmed installment payment plan.

According to the first embodiment, after the acceptance terminal inputs the payment amount, if it is determined that it is greater than the minimum installment amount, the recommended installment payment plan is obtained through the background system and displayed on the accepting interface. Optionally, the reminder mode can be set as weak reminder, the cashier can click to enter the selected period and swipe the card, or ignore the continued operation.

In this way, offline transaction acceptance terminals (such as smart POS machines, all-in-one cash registers, self-service cash registers, etc.) can proactively push recommended recommendations when the transaction amount (that is, the payment amount) meets the conditions without interrupting the operation. Staging information.

Second Embodiment

FIG. 4 is a schematic diagram showing the signal flow of the method for pushing an offline installment payment plan according to the second embodiment of the present invention.

The method for pushing an offline installment payment plan according to the second embodiment of the present invention is implemented by an acceptance terminal and a background system. As shown in FIG. 4 , the method for pushing an offline installment payment plan according to the second embodiment of the present invention includes the following steps:

Step S11: the acceptance terminal checks in with the background system at a specified time interval (for example, every day);

Step S12: the background system synchronizes the installment payment method to the acceptance terminal;

Step S13: the cashier inputs the payment amount at the acceptance terminal;

Step S14: The accepting terminal judges whether the payment amount satisfies the installment payment conditions, and proceeds to step S15 if the payment amount satisfies the installment payment conditions, otherwise a conventional full-payment transaction is performed (the description of the conventional full-payment transaction is omitted here);

Step S15: The accepting terminal judges whether an installment payment plan is stored locally in the accepting terminal, and if it is judged that an installment payment plan is stored, then skips to step S18, and if it judges that there is no installment plan stored, then proceeds to step S16 ;

Step S16: the accepting terminal requests an installment payment plan from the background system;

Step S17: Return the installment payment plan from the background system to the acceptance terminal;

Step S18: Display the acquired installment payment plan at the acceptance terminal (for example, display multiple installment payment plans according to a preset priority, or display several plans with the highest priority);

Step S19: Select the installment payment plan according to the customer's wishes, that is, confirm the installment payment plan;

Step S20: Swipe the bank card of the corresponding customer at the acceptance terminal, and formally initiate a transaction process (ie, a card swipe transaction process) based on the confirmed installment payer.

Wherein, in step S11, the acceptance terminal signs with the background system according to a predetermined time interval (for example, every day), for example, when the acceptance terminal (for example, a POS machine) checks in every day, it can be used to pay by installments when interacting with the background system. Scheme-related information is synchronized to the acceptance terminal through the daily sign-in process.

In the second embodiment, the acceptance terminal synchronizes the installment payment plan from the background system in advance (for example, when the acceptance terminal checks in for the first time every day) and stores it locally. When a transaction occurs, the cashier judges after inputting the payment amount at the acceptance terminal that if it is greater than the minimum installment amount, the locally stored installment payment plan is displayed and displayed on the display. Optionally, the reminder method can be set as a weak reminder, and the cashier can click to enter the selected period and swipe the card, or ignore the continued operation.

Compared with the first implementation of this implementation, in the second implementation, the installment plan is pre-stored locally, which can avoid interaction with the back-end system during each transaction, can improve the speed of display and response, and reduce the need for network or back-end systems. The problem creates the risk of failing the recommended presentation.

Third Embodiment

FIG. 5 is a schematic diagram showing a signal flow of a method for pushing an offline installment payment plan according to a third embodiment of the present invention.

The method for pushing an offline installment payment plan according to the third embodiment of the present invention is implemented by an acceptance terminal and a background system. As shown in FIG. 5 , the method for pushing an offline installment payment plan according to the third embodiment of the present invention includes the following steps:

Step S21: the cashier inputs the payment amount at the acceptance terminal;

Step S22: the acceptance terminal obtains the bank card number for payment (for example, the bank card number for payment is obtained by swiping the card on the acceptance terminal);

Step S23: the acceptance terminal sends a request for acquiring the installment payment plan corresponding to the bank card number to the background system;

Step S24: the background system determines the card bin according to the bank card number, obtains the bank information and the card level information according to the card bin, and returns the installment payment plan corresponding to the bank information and the card level information to the acceptance terminal;

Step S25 : displaying the acquired installment payment plan at the acceptance terminal (for example, displaying multiple installment payment plans according to a preset priority, or displaying several plans with the highest priority);

Step S26: select the installment payment plan according to the customer's wishes and confirm the installment payment plan;

Step S27: Send the confirmed installment payment plan to the background system.

According to the third embodiment, after the acceptance terminal inputs the payment amount and swipes the customer's credit card, the acceptance terminal can obtain the bank card number and send it to the back-end system for judgment, and the back-end system judges the bank to which it belongs, the card level, etc. according to the card bin of the bank card. After the information, the targeted installment plan information such as the number of periods and handling fees will be returned. Finally, the cashier will swipe the card after obtaining the customer's consent. According to the third embodiment, a targeted installment payment scheme can be provided based on bank card information, thereby providing accurate push of the installment payment scheme.

The above describes the method for pushing the offline installment payment plan of the present invention. Next, the system for pushing the offline installment payment plan of the present invention will be described.

FIG. 6 is a block diagram showing the structure of an offline installment plan pushing system according to an embodiment of the present invention.

As shown in FIG. 6 , an offline installment payment plan pushing system according to an embodiment of the present invention includes: an offline installment payment plan pushing apparatus 100 and a background system 200 .

Wherein, the specific application of the device 100 for pushing the offline installment payment plan may be an acceptance terminal, for example, a smart POS, an all-in-one cash register, a self-service cash register, and the like.

As shown in FIG. 6 , the offline installment payment plan pushing device 100 of the present invention includes:

The plan obtaining module 110 is used for obtaining at least one installment plan, the installment plan is determined by the acceptance terminal according to the input payment amount of the bank card;

A scheme display module 120, configured to display one or more installment payment schemes acquired by the scheme acquisition module;

The scheme confirmation module 130 is configured to confirm the selected instalment payment scheme at the acceptance terminal after receiving the user's selection of an installment payment scheme displayed in the scheme display module; and

The transaction initiation module 140 is configured to initiate a transaction process to the background system based on the confirmed installment payment plan and the bank card information of the bank card.

Wherein, in the plan obtaining module 110, it is judged according to the input payment amount whether the input payment amount complies with the installment payment conditions, and one or more installment payment plans corresponding to the payment amount are obtained.

Wherein, in the plan obtaining module 110, it is judged whether the input payment amount meets the installment payment conditions according to the input payment amount, and the installment payment plan corresponding to the payment amount is obtained from the background system.

Optionally, further include (not shown):

A plan download module for downloading the installment plan from the backend system in advance and storing the installment plan locally; and

The plan query module is used to query whether the installment plan has been stored locally.

Wherein, if it is determined in the plan inquiry module 110 that the installment plan has been stored locally, then in the plan acquisition module, according to the input payment amount, the accepting terminal obtains the corresponding payment plan from the local Installment plan for the stated payment amount.

Wherein, in the plan downloading module 110, check-in to the background system and download the installment payment plan from the background system according to the specified time interval.

Wherein, the predetermined time interval is set to refer to the daily check-in to the background system.

Wherein, in the case where multiple installment payment schemes are acquired in the scheme acquisition module 110, the scheme display module displays the multiple installment payment schemes acquired in the scheme acquisition module according to a preset priority.

FIG. 7 is a block diagram showing the structure of an offline installment plan pushing system according to still another embodiment of the present invention.

As shown in FIG. 7 , the system for pushing an offline installment payment plan according to another embodiment of the present invention includes: an offline installment plan pushing device 300 and a background system 400 .

Yet another embodiment of the present invention, an offline installment payment plan pushing device 300 includes:

a transaction initiation module 310, configured to initiate a transaction process to the background system based on the input payment amount and the acquired bank card information;

The plan obtaining module 320 is used to obtain at least one installment plan, the installment plan is determined by the background system according to the bank card information sent by the accepting terminal;

A plan display module 330, used to display one or more installment plans obtained from the backend system; and

The plan confirmation module 340 is configured to select an installment payment plan displayed in the plan display module, confirm the installment payment plan, and send the confirmed installment payment plan to the background system.

Wherein, in the plan obtaining module 320, the installment plan corresponding to the card level information is obtained through the bank information of the bank card.

Wherein, in the case where multiple installment payment schemes are acquired in the scheme acquisition module 320, the scheme display module displays the multiple installment payment schemes acquired in the scheme acquisition module according to a preset priority.

The present invention also provides a computer-readable medium on which a computer program is stored, characterized in that, when the computer program is executed by a processor, the above-mentioned method for pushing an offline installment payment scheme is implemented.

The present invention also provides a computer device, comprising: a memory; a processor; and a computer program stored on the memory and executable on the processor, characterized in that the execution of the computer program causes the processor When the computer program is executed, the above-mentioned offline installment payment plan push method is realized.

The above examples mainly illustrate the method for pushing an offline installment payment plan and an apparatus for pushing an offline installment payment plan of the present invention. Although only a few of these specific embodiments of the present invention have been described, it will be understood by those of ordinary skill in the art that the present invention may be embodied in many other forms without departing from the spirit and scope thereof. Accordingly, the examples and embodiments shown are to be regarded as illustrative and not restrictive, and various modifications are possible within the present invention without departing from the spirit and scope of the invention as defined by the appended claims. with replacement.

Claims (26)

1. An offline installment scheme pushing method, comprising:

a scheme acquisition step, wherein an acceptance terminal acquires at least one installment payment scheme, and the installment payment scheme is acquired by the acceptance terminal according to the input payment amount;

a scheme display step, wherein the acceptance terminal displays at least one installment scheme acquired in the scheme acquisition step;

a plan confirmation step in which the acceptance terminal receives selection information for the at least one installment scheme displayed in the plan display step and confirms the selection information as the selected installment scheme; and

and a transaction initiating step, wherein the acceptance terminal initiates a transaction flow to a background system based on the confirmed installment scheme and the obtained bank card information.

2. The offline installment scheme pushing method of claim 1,

in the scheme acquisition step, it is determined whether the inputted payment amount meets an installment payment condition according to the inputted payment amount and one or more installment payment schemes corresponding to the payment amount are acquired.

3. The offline installment scheme pushing method as recited in claim 1,

in the scheme acquisition step, whether the input payment amount meets an installment payment condition is judged according to the input payment amount, and the acceptance terminal acquires an installment payment scheme corresponding to the payment amount from a background system.

4. The offline installment scheme pushing method as recited in claim 1,

further comprising, before the protocol acquiring step:

and a scheme inquiry step, wherein the acceptance terminal inquires whether the installment scheme is stored locally.

5. The offline installment scheme pushing method as recited in claim 4,

if it is determined in the plan inquiry step that the installment scheme is locally stored, the plan acquisition step acquires the installment scheme corresponding to the payment amount from the local place by the acceptance terminal according to the inputted payment amount.

6. The offline installment scheme pushing method of claim 5,

further comprising, before the scheme querying step:

and a scheme downloading step, wherein the acceptance terminal downloads the installment scheme from the background system in advance and stores the installment scheme locally.

7. The offline installment scheme pushing method of claim 6,

in the scheme downloading step, the acceptance terminal downloads the installment scheme from the background system when signing on to the background system.

8. The offline installment scheme pushing method as recited in claim 1,

in the case where a plurality of installment schemes are acquired in the scheme acquisition step, the plurality of installment schemes acquired in the scheme acquisition step are displayed according to a preset priority level in the scheme display step.

9. An offline installment scheme pushing method, comprising:

a transaction initiating step, wherein the acceptance terminal initiates a transaction flow to a background system based on the input payment amount and the acquired bank card information;

a scheme acquisition step, wherein an acceptance terminal acquires at least one installment payment scheme, and the installment payment scheme is acquired by a background system according to the information of the bank card sent by the acceptance terminal;

a scheme display step, wherein the acceptance terminal displays at least one installment scheme acquired from the background system; and

and a scheme confirmation step of selecting one installment scheme displayed in the scheme display step at the acceptance terminal, confirming the installment scheme, and sending the confirmed installment scheme to the background system.

10. The offline installment scheme pushing method as recited in claim 9,

and acquiring an installment payment scheme corresponding to the card grade information of the bank card through the bank card information of the bank card in the scheme acquisition step.

11. The installment scheme pushing method of claim 9,

in the case where a plurality of installment schemes are acquired in the scheme acquisition step, the plurality of installment schemes acquired in the scheme acquisition step are displayed according to a preset priority level in the scheme display step.

12. An offline installment scheme pushing device, comprising:

the system comprises a scheme acquisition module, a payment processing module and a payment processing module, wherein the scheme acquisition module is used for acquiring at least one installment payment scheme, and the installment payment scheme is determined by an acceptance terminal according to the payment amount of an input bank card;

the scheme display module is used for displaying one or more installment schemes acquired by the scheme acquisition module;

the scheme confirmation module is used for receiving the selection of the user on one installment payment scheme displayed in the scheme display module and then confirming the selected installment payment scheme at the acceptance terminal; and

and the transaction initiating module is used for initiating a transaction flow to the background system based on the confirmed installment scheme and the bank card information of the bank card.

13. The offline installment scheme pushing device as recited in claim 12,

and in the scheme acquisition module, judging whether the input payment amount meets an installment payment condition or not according to the input payment amount and acquiring one or more installment payment schemes corresponding to the payment amount.

14. The offline installment scheme pushing device of claim 12,

and in the scheme acquisition module, judging whether the input payment amount meets an installment payment condition or not according to the input payment amount, and acquiring an installment payment scheme corresponding to the payment amount from a background system.

15. The offline installment scheme pushing device as recited in claim 12, further comprising:

and the scheme inquiry module is used for inquiring whether the installment scheme is stored locally.

16. The offline installment scheme pushing device of claim 15,

if the scheme query module judges that the installment scheme is locally stored, the scheme acquisition module judges whether the input payment amount meets the installment condition according to the input payment amount, and acquires the installment scheme corresponding to the payment amount from the local.

17. The offline installment scheme pushing device of claim 16, further comprising:

and the scheme downloading module is used for downloading the installment scheme from the background system in advance and storing the installment scheme locally.

18. The offline installment scheme pushing device of claim 17,

and in the scheme downloading module, checking in to a background system according to a specified time interval and downloading the installment scheme from the background system.

19. The offline installment scheme pushing device of claim 18,

the prescribed time interval is set to mean when the background system is checked-in daily.

20. The offline installment scheme pushing device as recited in claim 12,

and under the condition that a plurality of installment schemes are acquired in the scheme acquisition module, the plurality of installment schemes acquired in the scheme acquisition module are displayed in the scheme display module according to a preset priority level.

21. An offline installment scheme pushing device, comprising:

the transaction initiating module is used for initiating a transaction flow to the background system based on the input payment amount and the acquired bank card information;

the system comprises a scheme acquisition module, a payment processing module and a payment processing module, wherein the scheme acquisition module is used for acquiring at least one installment payment scheme, and the installment payment scheme is determined by a background system according to bank card information sent by an acceptance terminal;

the scheme display module is used for displaying one or more installment schemes acquired from the background system; and

and the scheme confirmation module is used for selecting one installment scheme displayed in the scheme display module, confirming the installment scheme and sending the confirmed installment scheme to the background system.

22. The offline installment scheme pushing device of claim 20,

and acquiring the installment scheme corresponding to the card grade information through the bank information of the bank card in the scheme acquisition module.

23. The installment scheme pushing device as recited in claim 20,

and under the condition that a plurality of installment schemes are acquired in the scheme acquisition module, the scheme display module displays the plurality of installment schemes acquired in the scheme acquisition module according to a preset priority level.

24. An acceptance terminal comprising the installment scheme pushing device according to any one of claims 12 to 19 or 20 to 22.

25. A computer-readable medium, having stored thereon a computer program,

the computer program, when executed by a processor, implements the offline installment scheme pushing method of any one of claims 1 to 11.

26. A computer device, comprising: a memory; a processor; and a computer program stored on the memory and executable on the processor,

the computer program is operated to enable the processor to realize the offline installment scheme pushing method as claimed in any one of claims 1 to 11 when the computer program is executed.

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