CN111429139A - A control method and device for dynamically matching user payment method selection - Google Patents

Abstract

The invention discloses a control method for dynamically matching user payment method selection, comprising the following steps: a. acquiring payment environment information of a user terminal; b. generating a payment page based on the payment environment information, and the payment interface corresponding to the payment page is only Include the payment channel corresponding to the payment environment information, and c. Send the payment page to the user terminal. Compared with the prior art, the present invention can obtain the payment channel owned by the user according to the payment environment information owned by the user terminal, and generate it in the payment interface as a payment method, thereby solving the problem that the user cannot Choose the payment method you want and give up the drawbacks of paying or compromising payment, and provide more diversified profit models for merchants, creating a win-win model for merchants and consumers. The present invention is simple to use and easy to operate. It can effectively solve the above technical problems and has extremely high commercial value.

Description

A control method and device for dynamically matching user payment method selection

technical field

The invention belongs to the technical field of mobile payment, and particularly relates to a control method and device for dynamically matching user selection of payment methods.

Background technique

With the gradual popularization of intelligent mobile terminals, mobile payment, as an indispensable part of mobile terminals, is becoming more and more mature. Using mobile payment has become the mainstream of payment consumption.

With the rapid development of mobile payment, many merchants have launched a variety of payment methods and payment modes. When users make mobile payments, they often choose their commonly used payment methods or the payment methods owned by their mobile terminals. However, in such a payment mode, the payment interface is often a unified payment interface directly pushed to the mobile terminal through the server background, which contains several default payment methods widely accepted by users, such as Alipay, WeChat, etc. However, some users who have not installed or downloaded or used or registered are unable to pay because of a single payment interface. For example, some users will use cloud flash payment, e-pay, Baidu payment, etc., which are relatively not very popular However, due to the rigid payment interface, consumers are excluded from the payment method, which brings a lot of trouble to the merchants and consumers.

At present, in the existing technology, there is no technical solution that can solve the above technical problems, and specifically, there is a lack of a control method and device for dynamically matching the user's payment method selection.

SUMMARY OF THE INVENTION

In view of the technical defects existing in the prior art, the purpose of the present invention is to provide a control method and device for dynamically matching the selection of the user's payment method. According to an aspect of the present invention, a control method for dynamically matching the selection of the user's payment method is provided, It includes the following steps:

a. Obtain the payment environment information of the user terminal;

b. Generate a payment page based on the payment environment information, and the payment interface corresponding to the payment page only includes the payment channel corresponding to the payment environment information.

Preferably, step a includes the following steps:

a1. Obtain the information of all application programs with payment function installed in the user terminal.

Preferably, step a also includes the following steps:

a2. Test whether there is any abnormality in each application;

a3. If there is an abnormality in a certain application, delete it from the payment environment information.

Preferably, step a includes the following steps:

a1'. Obtain all payment channels supported by the browser included in the user terminal, and use the payment channels as the payment environment information.

Preferably, before step b, it also includes the following steps:

-Acquiring payment exception information on the same or similar terminal as the user terminal;

- Delete the payment channel corresponding to the payment exception information from the payment environment information.

Preferably, it also includes the following steps:

c. Send the payment page to the user terminal.

According to another aspect of the present invention, a control device for dynamically matching user payment method selection is provided, comprising:

The first obtaining device: obtains the payment environment information of the user terminal;

The first generating device: generates a payment page based on the payment environment information, and the payment interface corresponding to the payment page only includes the payment channel corresponding to the payment environment information.

Preferably, the first obtaining device includes:

The second obtaining means: obtains the information of all application programs with payment function installed in the user terminal.

The first processing device: test whether the each application program is abnormal;

Second processing device: if there is an abnormality in a certain application, delete it from the payment environment information.

Preferably, it also includes:

A third processing device: sending the payment page to the user terminal.

The invention discloses a control method for dynamically matching the selection of a user's payment method. By acquiring payment environment information of a user terminal, a payment page is generated based on the payment environment information, and the payment interface corresponding to the payment page only includes the payment environment. The payment channel corresponding to the information. Compared with the prior art, the present invention can obtain the payment channel owned by the user according to the payment environment information owned by the user terminal, and generate it in the payment interface as a payment method, thereby solving the problem of the user's inability to Choose the payment method you want and give up the drawbacks of paying or compromising payment, and provide a more diversified profit model for the merchant, creating a win-win model for the merchant and the consumer. The present invention is simple to use and easy to operate. It can effectively solve the above technical problems and has extremely high commercial value.

Description of drawings

Other features, objects and advantages of the present invention will become more apparent by reading the detailed description of non-limiting embodiments with reference to the following drawings:

Fig. 1 shows a specific embodiment of the present invention, a specific flow diagram of a control method for dynamically matching user payment method selection;

FIG. 2 shows a schematic diagram of a specific flow of acquiring payment environment information of a user terminal according to the first embodiment of the present invention; and

FIG. 3 shows a schematic diagram of the connection of modules of a control device for dynamically matching the selection of a user's payment method according to another specific embodiment of the present invention.

Detailed ways

In order to better clearly represent the technical solutions of the present invention, the present invention will be further described below with reference to the accompanying drawings.

Those skilled in the art understand that, in view of the deficiencies of the prior art, a control method for dynamically matching the selection of the user's payment method is provided. Obtain the payment channel that you have, and generate it in the payment interface as a payment method, which solves the drawbacks of users giving up payment or compromising payment because they cannot choose the payment method they want, and provides merchants with a better solution. For a diversified profit model, a win-win model for merchants and consumers is created. Figure 1 shows a specific embodiment of the present invention, a specific flow diagram of a control method for dynamically matching user payment method selection, specifically , including the following steps:

First, go to step S101 to obtain the payment environment information of the user terminal. Those skilled in the art understand that the payment environment information is the payment method that the user can make mobile payment through the current user terminal. Among the existing payment methods, Alipay, As a common payment method, WeChat is usually widely used by major payment pages, for example, to recharge phone bills, buy daily necessities, and there are some payment methods that are not very common, such as cloud flash payment, e-pay, Baidu Pay, Apple Pay, Huawei Pay, etc., not everyone will have these payment methods, but as a change, some people do not have the payment methods commonly used by people, but have some special payment methods, even including UnionPay payment, major bank credit card payment, etc., cannot complete the authorization and docking of the fixed payment interface.

The present invention provides a method of determining the user's desired payment method based on the user's payment environment information, thereby solving the technical problem of payment for specified consumption. This step will be described in further detail in the subsequent specification. This will not be repeated.

Those skilled in the art understand that, before step S102, it is preferable to obtain payment exception information that exists in the same or similar terminal as the user terminal. Check the abnormal information to see if there are technical or security loopholes or hidden dangers, and ensure the confidentiality and security of the payment. Further, after acquiring the payment exception information that exists in the same or similar terminal as the user terminal, delete the payment channel corresponding to the payment exception information from the payment environment information, that is, after generating the payment based on the payment environment information. On the payment page, the payment methods that may cause wrong payment, risk payment or other uncertain factors will be deleted.

Then, go to step S102, generate a payment page based on the payment environment information, the payment interface corresponding to the payment page only includes the payment channel corresponding to the payment environment information, and those skilled in the art understand that the payment environment information includes the user The payment method provided by the terminal itself, and further generate a payment page based on the payment method possessed by the user. The payment page includes at least the type of payment method, the amount of payment, and the payment method. The type of payment method is In order to use which payment method to pay, WeChat, payment or other payment methods, the amount paid is the amount consumed by the user, and the payment method is the payment channel, including QR code payment, link payment, Scan code payment, face scan payment, fingerprint payment, etc. However, there is no specific order or size requirement for the layout and format of the payment page, that is, it is sufficient to display all the ways that users can make payment. In a special embodiment, the frequently used payment method may preferably be used as the default payment method according to the user's usage and consumption habits, and the payment method should be placed in the most conspicuous or first row on the payment page to facilitate the user's use.

As a preferred embodiment of the present invention, after step S102 is performed, as shown in FIG. 3 , at least step S103 is included to send the payment page to the user terminal. Those skilled in the art understand that this step is The payment page is displayed to the user terminal. In such an embodiment, the user can select the payment method he wants to pay in the user terminal and complete the target consumption, and the payment page can be displayed as full screen, half screen, pop-up window, floating window, or other display.

Fig. 2 shows a schematic diagram of a specific flow of acquiring payment environment information of a user terminal according to the first embodiment of the present invention. As shown in Fig. 2, Fig. 2 mainly discloses the detailed flow of step S101, specifically, including the following steps:

First, go to step S1011 to obtain all application information with payment functions installed in the user terminal. Apps with direct payment functions, such as Cloud QuickPass and NetEase Payment, also include mobile banking, Damai, Meituan, and Dangdang, which have payment functions but are not directly capable of making payments. When the application program of the payment function is used, the technical solution described in the present invention can also obtain all other programs with the payment function, and when such a payment mode exists, the present invention will establish the authorization between the user and the merchant. The payment mode is displayed on the payment page, and the payment time is followed by a jump when the payment is completed, so as to complete the payment for the current mode.

Then, go to step S1012 to test whether each application program is abnormal. Those skilled in the art understand that this step can be completed before step S1011, or can be completed after step S1011, that is, all the applications installed in the user terminal with After the application information of the payment function is obtained, test whether each application is abnormal. The purpose of this step is to ensure that each payment method that can be displayed on the payment page can be used normally. of.

Finally, as the next step of step S1012, in step S1013, if a certain application program is abnormal, it will be deleted from the payment environment information, and when all the application programs are displayed normally, then the user terminal will be stored in the user terminal. All applications with payment function are displayed on the payment page. Further, when one or some of the applications cannot be used due to update problems, data package problems or server problems, the corresponding payment will not be completed. It is deleted from the payment environment information, and this step is to bring a better payment experience to the user.

At the same time, those skilled in the art understand that although the present invention aims to realize and complete the payment on the mobile terminal, for the computer terminal, the acquisition of all applications, the generation of payment methods, the generation of payment pages, etc. can also refer to the mobile terminal. , which all belong to the technical solutions that the present invention is easy to think of in the art, and will not be repeated here.

Further, there are many payment channels supported by the back-end system, and the payments that can be used by the client are part of the back-end system support. Some of them may be limited by the user's environment, and the user can only use some payment methods normally. The user's environment makes a judgment to hide or delete the payment method that the user cannot use.

Further, obtain all payment channels supported by the browser included in the user terminal, and use the payment channel as the payment environment information. As a preferred variation of the present invention, the present invention not only discloses a The payment method acquisition mode of all application programs with payment functions installed in the user terminal, and a web page payment mode that can complete payment and can be realized is also disclosed. In such an embodiment, when the user terminal makes payment first , the payment for this consumption has been made by using webpage payment, and in this payment, a webpage link that can be used for payment can also be directly generated in the payment page to complete the payment for this consumption, and in another very special implementation In an example, the browser also has a payment function. In such an embodiment, the browser includes a plug-in that can perform payment, or it can be a payment mode provided by the browser operator, which does not affect the The specific embodiments of the invention will not be repeated here.

FIG. 3 shows a schematic diagram of the connection of modules of a control device for dynamically matching user payment method selection according to another specific embodiment of the present invention. According to another aspect of the present invention, a dynamic matching user payment method selection method is provided. The control device includes a first obtaining device: obtaining the payment environment information of the user terminal, the specific working principle of the first obtaining device can refer to the specific implementation in the aforementioned step S101, which will not be repeated here.

Further, the control device also includes a first generation device: generating a payment page based on the payment environment information, the payment interface corresponding to the payment page only includes the payment channel corresponding to the payment environment information, and the first generation device For the specific working principle, reference may be made to the specific implementation manner in the foregoing step S102, which will not be repeated here.

Further, the first obtaining device includes a second obtaining device: obtaining all application program information with payment function installed in the user terminal, the specific working principle of the second obtaining device can refer to the specific working principle in the aforementioned step S1011. The implementation manner is not repeated here.

Further, the first obtaining device also includes a first processing device: testing whether each application program is abnormal, the specific working principle of the first processing device can refer to the specific implementation in the aforementioned step S1012, here I won't go into details.

Further, the first obtaining device also includes a second processing device: if there is an abnormality in a certain application program, it will be deleted from the payment environment information, and the specific working principle of the second processing device can refer to the aforementioned steps. The specific implementation manner in S1013 will not be repeated here.

Further, the control device further includes a third processing device: sending the payment page to the user terminal, the specific working principle of the third processing device can refer to the specific implementation in the aforementioned step S103, which is not discussed here. Repeat.

Specific embodiments of the present invention have been described above. It should be understood that the present invention is not limited to the above-mentioned specific embodiments, and those skilled in the art can make various variations or modifications within the scope of the claims, which do not affect the essential content of the present invention.

Claims (9)

1. a control method that a dynamic matching user payment method is selected, is characterized in that, comprises the steps: a. Obtain the payment environment information of the user terminal; b. Generate a payment page based on the payment environment information, and the payment interface corresponding to the payment page only includes the payment channel corresponding to the payment environment information. 2. control method according to claim 1, is characterized in that, step a comprises the steps: a1. Obtain the information of all application programs with payment function installed in the user terminal. 3. The control method according to claim 2, wherein step a further comprises the steps: a2. Test whether there is any abnormality in each application; a3. If there is an abnormality in a certain application, delete it from the payment environment information. 4. The control method according to claim 1, wherein step a comprises the following steps: a1'. Obtain all payment channels supported by the browser included in the user terminal, and use the payment channels as the payment environment information. 5. The control method according to any one of claims 1 to 4, characterized in that, before step b, it further comprises the following steps: -Acquiring payment exception information on the same or similar terminal as the user terminal; - Delete the payment channel corresponding to the payment exception information from the payment environment information. 6. The control method according to any one of claims 1 to 5, characterized in that, further comprising the steps of: c. Send the payment page to the user terminal. 7. A control device selected by a dynamic matching user payment method, which adopts the control method according to any one of claims 1-6, and is characterized in that, comprising: A first obtaining device (1): obtains payment environment information of the user terminal; The first generating device (2): generates a payment page based on the payment environment information, and the payment interface corresponding to the payment page only includes the payment channel corresponding to the payment environment information. 8. The control device according to claim 7, wherein the first obtaining device (1) comprises: Second obtaining means (11): obtain all application information with payment function installed in the user terminal; First processing device (12): test whether each application program is abnormal; The second processing device (13): if there is an abnormality in a certain application, delete it from the payment environment information. 9. The control device according to claim 7, further comprising: Third processing device (3): Send the payment page to the user terminal.

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