CN111523876B

CN111523876B - Payment mode display method, device and system and storage medium

Info

Publication number: CN111523876B
Application number: CN202010297250.1A
Authority: CN
Inventors: 李起裕; 李康; 张子琦
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2020-04-15
Filing date: 2020-04-15
Publication date: 2025-07-25
Anticipated expiration: 2040-04-15
Also published as: CN111523876A

Abstract

The application discloses a payment mode display method, device and system and a storage medium, and belongs to the technical field of computers. The method comprises the steps that an electronic device obtains a payment request, the payment request carries processing data of a target object, the electronic device sends the payment request to a server, the server determines a target payment mode which does not meet payment conditions in the selectable payment modes corresponding to the target object based on the processing data of the target object, the server returns indication information of the target payment mode to the electronic device, the electronic device receives the indication information of the target payment mode, the selectable payment modes corresponding to the target object are displayed on a payment interface based on the indication information of the target payment mode, and the target payment mode is displayed in a folding mode. The method can reduce the exposure rate of the target payment mode which does not meet the payment condition, thereby improving the payment success rate of the target object and improving the payment use experience of the target object to a certain extent.

Description

Payment mode display method, device and system and storage medium

Technical Field

The embodiment of the application relates to the technical field of computers, in particular to a display method, a device and a system for a payment mode and a storage medium.

Background

With the rapid development of computer technology, the daily life rhythm of people is gradually accelerated, and more people begin to pay by using a mobile phone payment mode. For example, the payment may be made using a first payment method, or the payment may be made using a second payment method.

In the related art, an application program for payment is installed and operated on an electronic device, and when a target object generates a transaction in the application program, a payment button is clicked to jump to a payment interface, wherein the payment interface comprises a plurality of payment modes. The server responds to the payment request of the target object, and matches an optimal payment mode for the target object, wherein the optimal payment mode can be any payment mode in a payment interface. The target object makes a payment based on the optimal payment means.

However, when the optimal payment mode matched with the server fails, the payment of the target object fails, so that the payment success rate of the optimal payment mode is reduced, and the use experience of the target object is also affected to a certain extent.

Disclosure of Invention

The embodiment of the application provides a display method, a device, a system and a storage medium for a payment mode, which can be used for solving the problems in the related art. The technical scheme is as follows:

in one aspect, an embodiment of the present application provides a method for displaying a payment manner, where the method includes:

At an electronic device, the electronic device obtaining a payment request, the payment request carrying processing data of a target object;

The electronic device sends the payment request to the server;

At the server, the server receives a payment request sent by the electronic device, the payment request carrying processing data of a target object;

The server determines a target payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object based on the processing data of the target object;

The server returns the indication information of the target payment mode to the electronic equipment;

At the electronic equipment, the electronic equipment receives indication information of a target payment mode returned by the server based on the processing data of the target object, wherein the target payment mode is a payment mode which does not meet the payment condition in selectable payment modes corresponding to the target object;

The electronic equipment displays a payment interface, displays an optional payment mode corresponding to the target object on the payment interface based on the indication information of the target payment mode, and displays the target payment mode in a folding mode.

In one possible implementation manner, the method further includes, based on the processing data of the target object, before determining, among the selectable payment methods corresponding to the target object, a target payment method that does not satisfy the payment condition:

for any optional payment mode, acquiring N processing data of payment failures of the optional payment mode, wherein N is an integer greater than or equal to 1;

Clustering the N pieces of processing data which fail to pay to obtain at least one data clustering result, and determining whether a data clustering result which does not meet the payment condition exists in the at least one data clustering result;

responding to the data clustering result which does not meet the payment condition in any optional payment mode, and taking the optional payment mode as the payment mode which does not meet the payment condition;

the determining, based on the processing data of the target object, a target payment method that does not satisfy the payment condition among the selectable payment methods corresponding to the target object includes:

And determining a target data clustering result of the processing data of the target object based on the data clustering result of the selectable payment mode corresponding to the target object, responding to the data clustering result of the target data clustering result which does not meet the payment condition, and taking the payment mode corresponding to the target data clustering result as the target payment mode.

In one possible implementation manner, the clustering the processing data of the N payment failures to obtain at least one data clustering result includes:

Determining K processing data as initial clustering centers in the N processing data failing in payment to obtain K initial clustering centers, wherein K is an integer greater than or equal to 1 and less than N;

calculating Euclidean distances between the processing data of the N payment failures and the K initial clustering centers;

based on the Euclidean distance, clustering the N processing data failing to pay to obtain K clustering results, and updating the K initial clustering centers according to the K clustering results to obtain K target clustering centers;

if the Euclidean distance between the K target clustering centers and the K initial clustering centers is smaller than a reference threshold, stopping clustering, and taking the K clustering results as the data clustering results of any optional payment mode;

if the Euclidean distance between the K target clustering centers and the K initial clustering centers is not smaller than the reference threshold, continuing to perform clustering until the Euclidean distance between the obtained K target clustering centers and the K initial clustering centers is smaller than the reference threshold, and taking the obtained K clustering results as the data clustering result of any optional payment mode.

In one possible implementation manner, the determining, in the at least one data clustering result, whether there is a data clustering result that does not satisfy the payment condition includes:

Determining a data clustering result of which the number of processed data meets a first threshold value from the at least one data clustering result;

and determining the data clustering result of which the number of the processing data meets the second threshold value as the data clustering result which does not meet the payment condition from the data clustering results of which the number of the processing data meets the first threshold value.

In a possible implementation manner, the updating the K initial cluster centers according to the K cluster results to obtain K target cluster centers includes:

According to the K clustering results, the K initial clustering centers are updated according to the following formula to obtain K target clustering centers K' _i,

The N is the number of processing data of payment failure, the C _i is any one of processing data of the ith clustering result, and the K _i is the ith initial clustering center.

In one possible implementation, the processing data of the target object includes at least one of a payment time, a location, a carrier used, a model number of the electronic device used, and a payment system.

In one possible implementation, the displaying, on the payment interface, the selectable payment method corresponding to the target object, and displaying the target payment method in a folded manner includes:

And receiving an unfolding instruction of the target payment mode, and unfolding and displaying the target payment mode on the payment interface according to the unfolding instruction.

In one aspect, an embodiment of the present application provides a display device for a payment method, where the device includes:

the acquisition module is used for acquiring a payment request, wherein the payment request carries processing data of a target object;

the first sending module is used for sending the payment request to the first receiving module;

the first receiving module is used for receiving the payment request sent by the first sending module, wherein the payment request carries the processing data of the target object;

the determining module is used for determining a target payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object based on the processing data of the target object;

the second sending module is used for returning the indication information of the target payment mode to the second receiving module;

The second receiving module is used for receiving the indication information of the target payment mode returned by the second sending module based on the processing data of the target object, wherein the target payment mode is a payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object;

the display module is used for displaying a payment interface, displaying the selectable payment mode corresponding to the target object on the payment interface based on the indication information of the target payment mode, and displaying the target payment mode in a folding mode.

In one possible implementation manner, the obtaining module is further configured to obtain, for any optional payment manner, N processing data of payment failures of the any optional payment manner, where N is an integer greater than or equal to 1;

the apparatus further comprises:

the clustering module is used for clustering the N processing data failing to pay to obtain at least one data clustering result;

The determining module is further used for determining whether a data clustering result which does not meet the payment condition exists in the at least one data clustering result;

The determining module is further configured to, in response to the data clustering result that does not satisfy the payment condition in any one of the selectable payment methods, take the any one of the selectable payment methods as the payment method that does not satisfy the payment condition;

The determining module is configured to determine, based on a data clustering result of an optional payment manner corresponding to the target object, a target data clustering result to which processing data of the target object belongs, and respond to a data clustering result to which the target data clustering result belongs to a data clustering result that does not satisfy a payment condition, and take a payment manner corresponding to the target data clustering result as the target payment manner.

In a possible implementation manner, the clustering module is configured to determine K pieces of processing data as initial cluster centers from the N pieces of processing data that fail payment, to obtain K pieces of initial cluster centers, where K is an integer greater than or equal to 1 and less than N;

In a possible implementation manner, the determining module is configured to determine, among the at least one data clustering result, a data clustering result in which the number of processed data meets a first threshold;

In one possible implementation, the clustering module is configured to update the K initial cluster centers according to the following formulas according to the K clustering results to obtain K target cluster centers K' _i,

In one possible implementation manner, the display module is configured to receive a deployment instruction of the target payment manner, and display the target payment manner in the payment interface according to the deployment instruction.

In another aspect, an embodiment of the present application further provides a computer readable storage medium, where at least one program instruction is stored, where when the at least one program instruction is loaded and executed by a processor, to implement a display method of any of the payment methods described above.

In another aspect, a payment mode display system is provided, the system comprising an electronic device and a server, each of the electronic device and the server comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, each processor executing the stored computer program to implement a payment mode display method as described above.

The technical scheme provided by the embodiment of the application at least comprises the following beneficial effects:

According to the technical scheme provided by the embodiment of the application, the server determines the target payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object according to the processing data of the target object carried by the payment request sent by the electronic device, and then sends the indication information of the target payment mode to the electronic device. The payment interface of the electronic equipment displays the target payment mode which does not meet the payment conditions in a folding mode, so that the exposure rate of the target payment mode which does not meet the payment conditions is reduced, the payment success rate is improved, and the payment use experience can be improved to a certain extent.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of an implementation environment of a payment method according to an embodiment of the present application;

FIG. 2 is a flowchart of a method for displaying a payment method according to an embodiment of the present application;

FIG. 3 is a schematic diagram of a payment interface according to an embodiment of the present application;

FIG. 4 is an expanded schematic diagram of a target payment method that does not satisfy a payment condition according to an embodiment of the present application;

Fig. 5 is a schematic structural diagram of a display device for payment according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application;

fig. 7 is a schematic structural diagram of a server according to an embodiment of the present application.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the embodiments of the present application will be described in further detail with reference to the accompanying drawings.

Fig. 1 is a schematic diagram of an implementation environment of a payment method according to an embodiment of the present application, where, as shown in fig. 1, the implementation environment includes a server 101 and an electronic device 102.

The server 101 may be one server or may be a server cluster formed by a plurality of servers. Server 101 may be at least one of a cloud computing platform and a virtualization center, which is not limited by embodiments of the present application. The server 101 is configured to receive a payment request sent by an electronic device, and determine, based on the payment request, a target payment method that does not satisfy a payment condition from among selectable payment methods corresponding to a target object. The server 101 is further configured to return, to the electronic device 102, indication information of the target payment method. Of course, the server 101 may also include other functional servers to provide more comprehensive and diverse services.

The electronic device 102 may be at least one of a smart phone, a game console, a desktop computer, a tablet computer, an MP3 (Moving Picture Experts Group Audio Layer III, motion picture expert compression standard audio plane 3) player, an MP4 (Moving Picture Experts Group Audio Layer IV, motion picture expert compression standard audio plane 4) player, and a laptop portable computer. The electronic device 102 is connected to the server 101 via a wired network or a wireless network, and an application program for payment is installed on the electronic device 102. The electronic device 102 is configured to obtain a payment request, and send the payment request to the server 101. The electronic device 102 is configured to receive indication information of a target payment manner returned by the server 101 based on processing data of the target object, and the electronic device 102 is further configured to display a payment interface, display, on the payment interface, an optional payment manner corresponding to the target object based on the indication information of the target payment manner, and display the target payment manner in a folded manner.

Based on the above implementation environment, the embodiment of the present application provides a method for displaying a payment manner, taking a flowchart of the method for displaying a payment manner provided by the embodiment of the present application shown in fig. 2 as an example, the method may be implemented by an interaction process between the server 101 and the electronic device 102 in fig. 1. Wherein the server 101 and the electronic device 102 are communicatively connected via a network. As shown in fig. 2, the method comprises the steps of:

In step 201, the electronic device obtains a payment request carrying processing data of a target object.

In an exemplary embodiment of the present application, an application for payment is installed and run in an electronic device. When the target object generates a transaction in the application, the target object may click a payment button for payment in the application. And the electronic equipment responds to the clicking operation of the target object to generate a payment request for the target object, namely, the electronic equipment acquires the payment request, and the payment request carries the processing data of the target object.

In step 202, the electronic device sends the payment request to a server.

In an exemplary embodiment of the present application, the electronic device may directly send the payment request to the server after acquiring the payment request. The electronic device may also send the payment request to the server based on the acquisition request after receiving the acquisition request sent by the server. The embodiment of the application does not limit the sending time of the payment request.

In step 203, the server receives a payment request sent by the electronic device, where the payment request carries processing data of the target object.

In the embodiment of the application, a server receives a payment request sent by electronic equipment, analyzes the payment request, and obtains processing data of a target object carried in the payment request based on an analysis result.

In step 204, the server determines, based on the processing data of the target object, a target payment method that does not satisfy the payment condition among the selectable payment methods corresponding to the target object.

In the exemplary embodiment of the present application, before determining, based on the processing data of the target object, the target payment method that does not satisfy the payment condition among the selectable payment methods corresponding to the target object, the server further needs to determine, based on the processing data of the payment failure of the selectable payment methods, the payment method that does not satisfy the payment condition among the selectable payment methods, see in detail the following steps 2041 to 2042:

Step 2041, for any optional payment mode, acquiring N processing data of payment failures of any optional payment mode, where N is an integer greater than or equal to 1.

The optional payment method may be an optional payment method one or an optional payment method two, which is not limited in the embodiment of the present application.

In one possible implementation, the server may divide its storage space into a target number of first storage spaces, where each first storage space stores N payment failure processing data for one alternative payment method.

For example, the storage space of the server is divided into 3 first storage spaces, the first storage space stores processing data of N payment failures of the first alternative payment method, the second first storage space stores processing data of N payment failures of the second alternative payment method, and the third storage space stores processing data of N payment failures of the third alternative payment method.

In one possible implementation, the server may obtain from its storage space processing data for N payment failures for any one of the selectable payment methods. The server extracts the processing data stored in the first storage space corresponding to the first alternative payment mode based on the first alternative payment mode, namely, the processing data of the N payment failures of the first alternative payment mode is obtained.

And 2042, clustering the N pieces of processing data failing in payment to obtain at least one data clustering result.

In one possible implementation manner, the server acquires N processing data of payment failures of a certain optional payment manner, and clusters the N processing data of payment failures, so as to obtain at least one data clustering result, where the process is as follows:

Step one, determining K processing data as initial clustering centers in N processing data failing in payment, and obtaining K initial clustering centers, wherein K is an integer greater than or equal to 1 and less than N.

In one possible implementation manner, the server may randomly determine K pieces of processing data as initial cluster centers from the N pieces of processing data that fail payment, to obtain K initial cluster centers. The server may also determine, according to experience, that K pieces of processing data are initial cluster centers among the N pieces of processing data that failed in payment, to obtain K initial cluster centers. The server may further determine, based on characteristics included in the N payment-failure processing data, that K processing data are initial cluster centers among the N payment-failure processing data, to obtain K initial cluster centers. The method for determining K processing data as the initial clustering center in the N processing data failing to pay is not limited in the embodiment of the application.

For example, the server may determine K pieces of processing data among the N pieces of processing data for payment failure based on an operator included in the N pieces of processing data for payment failure, and use the K pieces of processing data as initial cluster centers, thereby obtaining K initial cluster centers.

For example, the server acquires processing data of five payment failures in the first selectable payment mode, which are respectively first processing data, second processing data, third processing data, fourth processing data and fifth processing data. The server obtains operators included in the processing data of the five payment failures, wherein the operators include a first operator, a second operator, a third operator, the first operator and the third operator. And determining three processing data with failed payments from the five processing data with failed payments as initial clustering centers based on operators included in the processing data with failed payments, and obtaining three initial clustering centers. For example, the three initial clustering centers are determined respectively, wherein the initial clustering center 1 is the first processing data, the initial clustering center 2 is the second processing data, and the initial clustering center 3 is the third processing data.

And step two, calculating Euclidean distances between the processing data of the N payment failures and K initial clustering centers.

In one possible implementation, the server may calculate euclidean distances L _i of the processing data of N payment failures from K initial cluster centers based on the following formula (1):

In the above formula (1), N _i is the processing data of the ith payment failure, K _i is the ith initial cluster center, and K is the number of initial cluster centers.

It should be noted that, the euclidean distance between the processing data of each payment failure and each initial cluster center is calculated by the above formula (1), so that multiple calculations are required to obtain the euclidean distance between the processing data of each payment failure and each initial cluster center.

And thirdly, clustering the N pieces of processing data failing in payment based on Euclidean distance to obtain K clustering results, and updating K initial clustering centers according to the K clustering results to obtain K target clustering centers.

In one possible implementation manner, based on the euclidean distance between each piece of processing data of payment failure obtained in the second step and each initial clustering center, clustering is performed on each piece of processing data of payment failure, so as to obtain K clustering results.

In one possible implementation, the processing data of the payment failure is clustered with the initial cluster center with the shortest euclidean distance based on the euclidean distance between the processing data of the payment failure and the K initial cluster centers. And carrying out the operation on the processing data of each payment failure, so that K clustering results can be obtained, wherein each clustering result comprises C processing data, and C is an integer greater than or equal to 1 and less than N.

For example, the euclidean distance between the processing data (first processing data) of a certain payment failure and the initial cluster center 1 is 5, the euclidean distance between the processing data and the initial cluster center 2 is 10, the euclidean distance between the processing data and the initial cluster center 3 is 3, and the euclidean distance between the processing data and the initial cluster center 4 is 7. Based on the four euclidean distances, the first processing data and the initial clustering center 3 are clustered together, so that a third clustering result corresponding to the initial clustering center 3 can be obtained, namely the third clustering result corresponding to the initial clustering center 3 comprises the initial clustering center 3 and the first processing data.

In one possible implementation manner, the server may update the K initial cluster centers according to the following formula (2) according to K cluster results to obtain K target cluster centers K' _i:

In the above formula (2), N is the number of processing data that fails in payment, C _i is any one of the i-th clustering results, and K _i is the i-th initial clustering center.

It should be noted that, each clustering result needs to update the initial clustering center according to the above formula, so as to obtain the updated target clustering center.

Step four, if Euclidean distance between the K target clustering centers and the K initial clustering centers is smaller than a reference threshold, stopping clustering, and taking the K clustering results as data clustering results of any optional payment mode;

In a possible implementation manner, the server calculates euclidean distance between the initial cluster center and its corresponding target cluster center, that is, calculates euclidean distance between the initial cluster center 1 and the target cluster center 1, euclidean distance between the initial cluster center 2 and the target cluster center 2, and so on, based on the K initial cluster centers obtained in the first step and the K target cluster centers obtained in the third step, until the euclidean distance between the initial cluster center K and the target cluster center K is calculated. Thereby, euclidean distances between K initial cluster centers and K target cluster centers can be obtained. And comparing each Euclidean distance with a reference threshold value, stopping clustering if the Euclidean distance is smaller than the reference threshold value, and taking the K clustering results as data clustering results of the alternative payment mode.

It should be noted that, the reference threshold may be 3 or 5, and the value of the reference threshold is not limited in the embodiment of the present application.

And fifthly, if the Euclidean distance between the K target clustering centers and the K initial clustering centers is not smaller than the reference threshold, continuing to perform clustering until the Euclidean distance between the K target clustering centers and the K initial clustering centers is smaller than the reference threshold, and taking the obtained K clustering results as the data clustering result of any optional payment mode.

In a possible implementation manner, the process of calculating the euclidean distances between the K target cluster centers and the K initial cluster centers in the fifth step is identical to the calculation process in the fourth step, which is not described herein. If the Euclidean distance is not smaller than the reference threshold, continuing to cluster until the Euclidean distance between the obtained K target cluster centers and the K initial cluster centers is smaller than the reference threshold, and taking the obtained K cluster results as the data cluster results of the optional payment mode.

It should be noted that, the first to fifth steps are only determining processes of the data clustering result of one alternative payment mode, and each alternative payment mode needs to perform the first to fifth steps to determine the data clustering result of the alternative payment mode.

Step 2043, determining whether a data clustering result which does not meet the payment condition exists in at least one data clustering result.

In one possible implementation, determining whether there is a data clustering result that does not satisfy the payment condition in the at least one data clustering result includes the following two steps:

Step one, determining a data clustering result of which the quantity of the processed data meets a first threshold value in at least one data clustering result.

In one possible implementation, the server calculates the amount of processing data included in each data clustering result based on at least one data clustering result, and extracts the data clustering result that includes the amount of processing data exceeding the first threshold.

For example, the payment method includes five data clustering results, wherein the first data clustering result includes 10 pieces of processing data, the second data clustering result includes 5 pieces of processing data, the third data clustering result includes 8 pieces of processing data, the fourth data clustering result includes 15 pieces of processing data, and the fifth data clustering result includes 7 pieces of processing data. And extracting data clustering results with the number of the processed data exceeding 8, namely extracting a first data clustering result and a fourth data clustering result.

It should be noted that, the above is only illustrated by taking the first threshold value as 8, and the first threshold value may be any value, which is not limited in the embodiment of the present application.

And step two, determining the data clustering result of which the number of the processing data meets a second threshold value as the data clustering result which does not meet the payment condition in the data clustering results of which the number of the processing data meets the first threshold value.

In one possible implementation manner, based on the data clustering result that the number of the processing data extracted in the first step exceeds the first threshold, the server further needs to determine the number of the same processing data in each data clustering result, and determine that the data clustering result that the number of the same processing data meets the second threshold is a data clustering result that does not meet the payment condition.

For example, the first data clustering result and the fourth data clustering result obtained in the first step, wherein the number of the same processing data in the first data clustering result is 5, the number of the same processing data in the fourth data clustering result is 8, and the data clustering result with the number of the same processing data exceeding 6 is determined as the data clustering result which does not satisfy the payment condition, that is, the fourth data clustering result is determined as the data clustering result which does not satisfy the payment condition.

It should be noted that, the above is only illustrated with the second threshold value being 6, and the second threshold value may be any value, which is not limited in the embodiment of the present application.

And 2044, responding to the data clustering result which does not meet the payment condition in any optional payment mode, and taking any optional payment mode as the payment mode which does not meet the payment condition.

In a possible implementation manner, based on the result obtained in the step 2043, if there is a data clustering result that does not satisfy the payment condition in a certain optional payment manner, the optional payment manner is determined as a payment manner that does not satisfy the payment condition because the data clustering result that does not satisfy the payment condition belongs to the certain optional payment manner.

For example, the fourth data clustering result obtained in the step 2043 is a payment method that does not satisfy the payment condition, and since the fourth data clustering result is a data clustering result corresponding to the first alternative payment method, the first alternative payment method is determined as a payment method that does not satisfy the payment condition.

In the embodiment of the present application, based on the processing data of the target object, the process of determining, among the selectable payment methods corresponding to the target object, the target payment method that does not satisfy the payment condition may be as follows:

and determining a target clustering result of the processing data of the target object based on the data clustering result of the selectable payment mode corresponding to the target object, and taking the payment mode corresponding to the target data clustering result as a target payment mode in response to the data clustering result of the target data clustering result which does not meet the payment condition.

In one possible implementation manner, according to the processing data of the target object, determining a target clustering result to which the target object belongs from data clustering results of alternative payment modes corresponding to the target object. And judging whether the target data clustering result belongs to a data clustering result which does not meet the payment condition. If the target data clustering result does not belong to the data clustering result which does not meet the payment condition, determining the payment mode corresponding to the target data clustering result as an optional payment mode. If the target data clustering result belongs to the data clustering result which does not meet the payment condition, determining the payment mode corresponding to the target data clustering result as a target payment mode.

For example, the selectable payment modes corresponding to the target object include a selectable payment mode one, a selectable payment mode two and a selectable payment mode three, and the target clustering result to which the processing data of the target object belongs is a first clustering result in the selectable mode one, and the first clustering result is a data clustering result which does not satisfy the payment condition, and then the selectable payment mode one is determined as a payment mode which does not satisfy the payment condition, that is, the selectable payment mode one is determined as a target payment mode.

In step 205, the server returns an indication of the target payment method to the electronic device.

In the embodiment of the present application, after the server obtains the target payment method of the target object based on the step 204, the indication information may be generated based on the target payment method. If the target payment method is the first alternative payment method, the content of the indication information of the target payment method may be "the first alternative payment method is a payment method that does not satisfy the payment condition".

In one possible implementation manner, the server may directly send the indication information of the target payment manner to the electronic device, so as to inform the electronic device that the target payment manner is a payment manner that does not satisfy the payment condition. The server may further send the indication information of the target payment method to the electronic device after receiving the acquisition request sent by the electronic device. The embodiment of the application does not limit the sending time of the indication information of the target payment mode.

In step 206, the electronic device receives the indication information of the target payment method returned by the server based on the processing data of the target object, where the target payment method is a payment method that does not satisfy the payment condition in the selectable payment methods corresponding to the target object.

In the embodiment of the application, the electronic equipment receives the indication information of the target payment mode sent by the server, and determines the payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object based on the indication information of the target payment mode. For example, if the indication information of the target payment method is "the optional payment method is a payment method that does not satisfy the payment condition", the electronic device determines, based on the indication information, that the optional payment method is a payment method that does not satisfy the payment condition.

In step 207, the electronic device displays a payment interface, displays an optional payment method corresponding to the target object on the payment interface based on the indication information of the target payment method, and displays the target payment method in a folded manner.

In the embodiment of the application, the electronic equipment can display a payment interface, and the payment interface displays the selectable payment modes corresponding to the target object. The electronic device may fold the target payment mode based on the indication information of the target payment mode, that is, other selectable payment modes besides the target payment mode are displayed in the payment interface of the electronic device. For example, in the payment interface of the electronic device, the first alternative payment mode is folded, and the second alternative payment mode and the third alternative payment mode are displayed. Fig. 3 is a schematic diagram showing a payment interface provided by an embodiment of the present application, where an optional payment mode two and an optional payment mode three are displayed in the payment interface in fig. 3, and the optional payment mode is displayed in a folded manner. The left and right diagrams in fig. 3 are two methods of folding display, and the left diagram in fig. 3 is to completely fold the alternative payment means one, which is not displayed at the payment interface. The right hand view in fig. 3 is an incomplete folding of the alternative payment means. The target object can select the second selectable payment mode or the third selectable payment mode in the payment interface, click a payment button and pay based on the selected selectable payment mode.

Because the success rate of the target payment mode which does not meet the payment condition is probably not high, the condition that the payment is unsuccessful exists, in order to improve the payment success rate and save the payment time, the target payment mode which does not meet the payment condition is folded and displayed, so that the exposure is reduced, and the probability of selecting the target payment mode by a user is reduced. The user selects the payment mode meeting the payment condition to pay, and the payment success rate is further improved.

In one possible implementation, if the target object wants to pay by using the target payment method, the target object may click a folding button in the payment interface, that is, send an expansion instruction of the target payment method to the electronic device, and the electronic device receives the expansion instruction of the target payment method, and according to the expansion instruction, expands the target payment method on the payment interface, that is, displays the target payment method on the payment interface. Fig. 4 is a schematic development diagram of a target payment manner that does not satisfy a payment condition according to an embodiment of the present application, where in fig. 4, when a target user clicks a button with an inverted triangle shape in the payment interface, that is, sends a development instruction to an electronic device, the electronic device receives the development instruction, and based on the development instruction, the optional payment manner that does not satisfy the payment condition may be displayed on the payment interface. When the target object selects one of the selectable payment methods, the payment button may be clicked, and payment may be made based on the one of the selectable payment methods.

According to the processing data of the target object carried by the payment request sent by the electronic equipment, the target payment mode which does not meet the payment condition is determined in the selectable payment modes corresponding to the target object, the indication information of the target payment mode is sent to the electronic equipment to inform the electronic equipment that the target payment mode is the payment mode which does not meet the payment condition, the target payment mode which does not meet the payment condition is displayed in a folding mode through the payment interface of the electronic equipment, the exposure rate of the target payment mode which does not meet the payment condition is reduced, and therefore the payment success rate of the target object can be improved, and the payment using experience of the target object can be improved to a certain extent.

Fig. 5 is a schematic structural diagram of a display device for payment method according to an embodiment of the present application, where, as shown in fig. 5, the device includes:

An obtaining module 501, configured to obtain a payment request, where the payment request carries processing data of a target object;

A first sending module 502, configured to send the payment request to a first receiving module;

A first receiving module 503, configured to receive a payment request sent by the first sending module, where the payment request carries processing data of a target object;

A determining module 504, configured to determine, based on the processing data of the target object, a target payment manner that does not satisfy the payment condition from among the selectable payment manners corresponding to the target object;

A second sending module 505, configured to return, to the second receiving module, indication information of the target payment mode;

the second receiving module 506 is configured to receive the indication information of the target payment mode returned by the second sending module based on the processing data of the target object, where the target payment mode is a payment mode that does not meet the payment condition in the selectable payment modes corresponding to the target object;

The display module 507 is configured to display a payment interface, display, on the payment interface, an optional payment mode corresponding to the target object based on the indication information of the target payment mode, and display the target payment mode in a folding mode.

In a possible implementation manner, the obtaining module 501 is configured to obtain, for any optional payment manner, N pieces of processing data of payment failures of the optional payment manner, where N is an integer greater than or equal to 1;

the apparatus further comprises:

The determining module 504 is further configured to determine whether there is a data clustering result that does not satisfy the payment condition in the at least one data clustering result;

The determining module 504 is further configured to, in response to the data clustering result that does not satisfy the payment condition in any one of the optional payment methods, use the any one of the optional payment methods as the payment method that does not satisfy the payment condition;

The determining module 504 is configured to determine, based on a data clustering result of the selectable payment method corresponding to the target object, a target data clustering result to which the processing data of the target object belongs, and respond to a data clustering result to which the target data clustering result belongs to a data clustering result that does not satisfy the payment condition, and take the payment method corresponding to the target data clustering result as the target payment method.

In a possible implementation manner, the determining module 504 is configured to determine, among the at least one data clustering result, a data clustering result in which the amount of the processed data meets the first threshold;

In a possible implementation manner, the display module 507 is configured to receive a development instruction of the target payment manner, and develop and display the target payment manner on the payment interface according to the development instruction.

The device determines the target payment mode which does not meet the payment condition in the selectable payment modes corresponding to the target object based on the processing data of the target object carried in the payment request, and then sends the indication information of the target payment mode to the second receiving module. The display module displays the target payment mode which does not meet the payment condition in a folding mode so as to reduce the exposure rate of the target payment mode which does not meet the payment condition, thereby improving the payment success rate and improving the payment use experience to a certain extent.

It should be noted that, when the display device for payment mode provided in the above embodiment displays the payment mode, only the division of the above functional modules is used for illustration, in practical application, the above functional allocation may be completed by different functional modules according to the need, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the display device of the payment method and the display method embodiment of the payment method provided in the foregoing embodiments belong to the same concept, and detailed implementation processes of the display device and the display method embodiment of the payment method are detailed in the method embodiment, and are not repeated here.

Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application. The electronic device 600 may be a smart phone, tablet, MP3 (Moving Picture Experts Group Audio Layer III, dynamic video expert compression standard audio plane 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video expert compression standard audio plane 4) player, notebook, or desktop. Electronic device 600 may also be referred to by other names of user devices, portable electronic devices, laptop electronic devices, desktop electronic devices, and the like.

In general, the electronic device 600 includes one or more processors 601 and one or more memories 602.

Processor 601 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and the like. The processor 601 may be implemented in at least one hardware form of DSP (DIGITAL SIGNAL Processing), FPGA (Field-Programmable gate array), PLA (Programmable Logic Array ). The processor 601 may also include a main processor, which is a processor for processing data in a wake-up state, also called a CPU (Central Processing Unit ), and a coprocessor, which is a low-power processor for processing data in a standby state. In some embodiments, the processor 601 may integrate a GPU (Graphics Processing Unit, image processor) for rendering and drawing of content required to be displayed by the display screen. In some embodiments, the processor 601 may also include an AI (ARTIFICIAL INTELLIGENCE ) processor for processing computing operations related to machine learning.

The memory 602 may include one or more computer-readable storage media, which may be non-transitory. The memory 602 may also include high-speed random access memory, as well as non-volatile memory, such as one or more magnetic disk storage devices, flash memory storage devices. In some embodiments, a non-transitory computer readable storage medium in memory 602 is used to store at least one program code for execution by processor 601 to implement the display method of the payment method provided by the method embodiments of the present application.

In some embodiments, the electronic device 600 may also optionally include a peripheral interface 603 and at least one peripheral. The processor 601, memory 602, and peripheral interface 603 may be connected by a bus or signal line. The individual peripheral devices may be connected to the peripheral device interface 603 via buses, signal lines or a circuit board. Specifically, the peripheral devices include at least one of radio frequency circuitry 604, a display 605, a camera assembly 606, audio circuitry 607, a positioning assembly 608, and a power supply 609.

Peripheral interface 603 may be used to connect at least one Input/Output (I/O) related peripheral to processor 601 and memory 602. In some embodiments, the processor 601, memory 602, and peripheral interface 603 are integrated on the same chip or circuit board, and in some other embodiments, either or both of the processor 601, memory 602, and peripheral interface 603 may be implemented on separate chips or circuit boards, which is not limited in this embodiment.

The Radio Frequency circuit 604 is configured to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The radio frequency circuit 604 communicates with a communication network and other communication devices via electromagnetic signals. The radio frequency circuit 604 converts an electrical signal into an electromagnetic signal for transmission, or converts a received electromagnetic signal into an electrical signal. Optionally, the radio frequency circuitry 604 includes an antenna system, an RF transceiver, one or more amplifiers, tuners, oscillators, digital signal processors, codec chipsets, subscriber identity module cards, and so forth. The radio frequency circuitry 604 may communicate with other electronic devices via at least one wireless communication protocol. The wireless communication protocols include, but are not limited to, metropolitan area networks, generation-by-generation mobile communication networks (2G, 3G, 4G, and 5G), wireless local area networks, and/or WiFi (WIRELESS FIDELITY ) networks. In some embodiments, the radio frequency circuit 604 may further include NFC (NEAR FIELD Communication) related circuits, which is not limited by the present application.

The display screen 605 is used to display a UI (User Interface). The UI may include graphics, text, icons, video, and any combination thereof. When the display 605 is a touch display, the display 605 also has the ability to collect touch signals at or above the surface of the display 605. The touch signal may be input as a control signal to the processor 601 for processing. At this point, the display 605 may also be used to provide virtual buttons and/or virtual keyboards, also referred to as soft buttons and/or soft keyboards. In some embodiments, the display 605 may be one, providing a front panel of the electronic device 600, in other embodiments, the display 605 may be at least two, provided on different surfaces of the electronic device 600 or in a folded design, respectively, and in still other embodiments, the display 605 may be a flexible display, provided on a curved surface or a folded surface of the electronic device 600. Even more, the display 605 may be arranged in a non-rectangular irregular pattern, i.e., a shaped screen. The display 605 may be made of LCD (Liquid CRYSTAL DISPLAY), OLED (Organic Light-Emitting Diode), or other materials.

The camera assembly 606 is used to capture images or video. Optionally, the camera assembly 606 includes a front camera and a rear camera. In general, a front camera is disposed on a front panel of an electronic device, and a rear camera is disposed on a rear surface of the electronic device. In some embodiments, the at least two rear cameras are any one of a main camera, a depth camera, a wide-angle camera and a tele camera, so as to realize that the main camera and the depth camera are fused to realize a background blurring function, and the main camera and the wide-angle camera are fused to realize a panoramic shooting and Virtual Reality (VR) shooting function or other fusion shooting functions. In some embodiments, camera assembly 606 may also include a flash. The flash lamp can be a single-color temperature flash lamp or a double-color temperature flash lamp. The dual-color temperature flash lamp refers to a combination of a warm light flash lamp and a cold light flash lamp, and can be used for light compensation under different color temperatures.

The audio circuit 607 may include a microphone and a speaker. The microphone is used for collecting sound waves of users and environments, converting the sound waves into electric signals, and inputting the electric signals to the processor 601 for processing, or inputting the electric signals to the radio frequency circuit 604 for voice communication. For purposes of stereo acquisition or noise reduction, the microphone may be multiple and separately disposed at different locations of the electronic device 600. The microphone may also be an array microphone or an omni-directional pickup microphone. The speaker is used to convert electrical signals from the processor 601 or the radio frequency circuit 604 into sound waves. The speaker may be a conventional thin film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, not only the electric signal can be converted into a sound wave audible to humans, but also the electric signal can be converted into a sound wave inaudible to humans for ranging and other purposes. In some embodiments, the audio circuit 607 may also include a headphone jack.

The location component 608 is utilized to locate the current geographic location of the electronic device 600 to enable navigation or LBS (Location Based Service, location-based services). The positioning component 608 may be a positioning component based on the United states GPS (Global Positioning System ), the Beidou system of China, the Granati system of Russia, or the Galileo system of the European Union.

The power supply 609 is used to power the various components in the electronic device 600. The power source 609 may be alternating current, direct current, disposable battery or rechargeable battery. When the power source 609 includes a rechargeable battery, the rechargeable battery may support wired or wireless charging. The rechargeable battery may also be used to support fast charge technology.

In some embodiments, the electronic device 600 further includes one or more sensors 610. The one or more sensors 610 include, but are not limited to, an acceleration sensor 611, a gyroscope sensor 612, a pressure sensor 613, a fingerprint sensor 614, an optical sensor 615, and a proximity sensor 616.

The acceleration sensor 611 can detect the magnitudes of accelerations on three coordinate axes of the coordinate system established with the electronic device 600. For example, the acceleration sensor 611 may be used to detect components of gravitational acceleration in three coordinate axes. The processor 601 may control the display screen 605 to display the user interface in a landscape view or a portrait view according to the gravitational acceleration signal acquired by the acceleration sensor 611. The acceleration sensor 611 may also be used for the acquisition of motion data of a game or a user.

The gyro sensor 612 may detect a body direction and a rotation angle of the electronic device 600, and the gyro sensor 612 may cooperate with the acceleration sensor 611 to collect a 3D motion of the user on the electronic device 600. Based on the data collected by the gyro sensor 612, the processor 601 can realize functions such as motion sensing (e.g., changing a UI according to a tilting operation by a user), image stabilization at photographing, game control, and inertial navigation.

The pressure sensor 613 may be disposed at a side frame of the electronic device 600 and/or at an underlying layer of the display 605. When the pressure sensor 613 is disposed on a side frame of the electronic device 600, a grip signal of the user on the electronic device 600 may be detected, and the processor 601 performs a left-right hand recognition or a shortcut operation according to the grip signal collected by the pressure sensor 613. When the pressure sensor 613 is disposed at the lower layer of the display screen 605, the processor 601 controls the operability control on the UI interface according to the pressure operation of the user on the display screen 605. The operability controls include at least one of a button control, a scroll bar control, an icon control, and a menu control.

The fingerprint sensor 614 is used to collect a fingerprint of a user, and the processor 601 identifies the identity of the user based on the fingerprint collected by the fingerprint sensor 614, or the fingerprint sensor 614 identifies the identity of the user based on the collected fingerprint. Upon recognizing that the user's identity is a trusted identity, the processor 601 authorizes the user to perform relevant sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying for and changing settings, etc. The fingerprint sensor 614 may be provided on the front, back, or side of the electronic device 600. When a physical key or vendor Logo is provided on the electronic device 600, the fingerprint sensor 614 may be integrated with the physical key or vendor Logo.

The optical sensor 615 is used to collect ambient light intensity. In one embodiment, processor 601 may control the display brightness of display 605 based on the intensity of ambient light collected by optical sensor 615. Specifically, the display luminance of the display screen 605 is turned up when the ambient light intensity is high, and the display luminance of the display screen 605 is turned down when the ambient light intensity is low. In another embodiment, the processor 601 may also dynamically adjust the shooting parameters of the camera assembly 606 based on the ambient light intensity collected by the optical sensor 615.

A proximity sensor 616, also referred to as a distance sensor, is typically provided on the front panel of the electronic device 600. The proximity sensor 616 is used to capture the distance between the user and the front of the electronic device 600. In one embodiment, processor 601 controls display 605 to switch from the on-screen state to the off-screen state when proximity sensor 616 detects a decreasing distance between the user and the front of electronic device 600, and processor 601 controls display 605 to switch from the off-screen state to the on-screen state when proximity sensor 616 detects a increasing distance between the user and the front of electronic device 600.

Those skilled in the art will appreciate that the structure shown in fig. 6 is not limiting of the electronic device 600 and may include more or fewer components than shown, or may combine certain components, or may employ a different arrangement of components.

Fig. 7 is a schematic structural diagram of a server according to an embodiment of the present application, where the server 700 may have a relatively large difference due to different configurations or performances, and may include one or more processors (Central Processing Units, CPU) 701 and one or more memories 702, where at least one program instruction is stored in the one or more memories 702, and the at least one program instruction is loaded and executed by the one or more processors 701 to implement the display method of the payment method according to the foregoing method embodiments. Of course, the server 700 may also have a wired or wireless network interface, a keyboard, an input/output interface, and other components for implementing the functions of the device, which are not described herein.

In an exemplary embodiment, there is also provided a computer readable storage medium having stored therein at least one program instruction that is loaded and executed by a processor to implement a display method of any of the above-described payment methods.

Alternatively, the above-mentioned computer readable storage medium may be a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a Read-Only optical disk (Compact Disc Read-Only Memory, CD-ROM), a magnetic tape, a floppy disk, an optical data storage device, and the like.

It should be understood that references herein to "a plurality" are to two or more. "and/or" describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate that there are three cases of a alone, a and B together, and B alone. The character "/" generally indicates that the context-dependent object is an "or" relationship.

The foregoing embodiment numbers of the present application are merely for the purpose of description, and do not represent the advantages or disadvantages of the embodiments.

The foregoing is illustrative of the present application and is not to be construed as limiting thereof, but rather, any modification, equivalent replacement, improvement or the like which comes within the spirit and principles of the present application are intended to be included within the scope of the present application.

Claims

1. A method for displaying a payment method, the method comprising:

The electronic equipment sends the payment request to a server;

At the server, the server receives a payment request sent by the electronic device, wherein the payment request carries processing data of a target object;

At the electronic equipment, the electronic equipment receives indication information of a target payment mode returned by the server based on the processing data of the target object, wherein the target payment mode is a payment mode which does not meet a payment condition in selectable payment modes corresponding to the target object;

the electronic equipment displays a payment interface, displays an optional payment mode corresponding to the target object on the payment interface based on the indication information of the target payment mode, and displays the target payment mode in a folding mode;

the method further comprises, based on the processing data of the target object, before determining a target payment method that does not satisfy a payment condition among the selectable payment methods corresponding to the target object:

responding to the data clustering result which does not meet the payment condition in any one of the selectable payment modes, and taking the any one of the selectable payment modes as the payment mode which does not meet the payment condition;

the determining, based on the processing data of the target object, a target payment method that does not satisfy a payment condition among the selectable payment methods corresponding to the target object includes:

And determining a target data clustering result of the processing data of the target object based on the data clustering result of the selectable payment mode corresponding to the target object, and taking the payment mode corresponding to the target data clustering result as the target payment mode in response to the data clustering result of the target data clustering result which does not meet the payment condition.

2. The method of claim 1, wherein clustering the N payment failed process data to obtain at least one data clustering result comprises:

Determining K processing data as initial clustering centers in the N processing data failing to pay to obtain K initial clustering centers, wherein K is an integer greater than or equal to 1 and less than N;

If the Euclidean distance between the K target clustering centers and the K initial clustering centers is not smaller than a reference threshold, continuing to perform clustering until the Euclidean distance between the obtained K target clustering centers and the K initial clustering centers is smaller than the reference threshold, and taking the obtained K clustering results as the data clustering result of any optional payment mode.

3. The method of claim 1, wherein determining whether there is a data clustering result that does not satisfy a payment condition among the at least one data clustering result comprises:

Determining a data clustering result of which the quantity of the processed data meets a first threshold value from the at least one data clustering result;

and determining the data clustering result of which the number of the processing data meets a second threshold value from the data clustering results of which the number of the processing data meets the first threshold value as the data clustering result which does not meet the payment condition.

4. The method according to claim 2, wherein updating the K initial cluster centers according to the K cluster results to obtain K target cluster centers comprises:

Updating the K initial cluster centers according to the K cluster results and the following formula to obtain K target cluster centers K _i ^′,

And N is the number of processing data of payment failure, C _i is any one of the ith clustering results, and K _i is the ith initial clustering center.

5. The method of any of claims 1-4, wherein the processing data of the target object includes at least one of payment time, location, operator used, model number of electronic device used, payment system.

6. The method of claim 1, wherein displaying the selectable payment method corresponding to the target object at the payment interface and displaying the target payment method in a collapsed manner comprises:

7. A display system for a payment means, the system comprising an electronic device and a server, the electronic device and the server each comprising a memory, a processor and a computer program stored on the memory and executable on the processor, each processor executing the stored computer program to implement the method of any one of the preceding claims 1 to 6.

8. A computer readable storage medium having stored therein at least one program instruction which, when loaded and executed by a processor, implements a method of displaying a payment means as claimed in any one of claims 1 to 6.