Note: Descriptions are shown in the official language in which they were submitted.
PAYMENT PROCESSING METHOD AND DEVICE, AND
COMPUTER-READABLE STORAGE MEDIUM
Technical Field
[0001] The embodiments of the present invention relate to the field of
Internet technologies,
and in particular, to a payment processing method and apparatus, and a
computer readable
storage medium.
Background Technology
[0002] With the development of Internet technology, there are more and more
types of
applications relying on the Internet, and the types of services provided by
these applications are
also increasing. For example, some applications provide payment functions,
through which
online shopping, ordering, and other services can be implemented. When users
use these
applications to make purchases or order foods, they often involve payment
operations, and how
to perform payment processing will directly affect the user's experience with
the application.
Summary of the Invention
[0003] Embodiments of the present invention provide a payment processing
method and
apparatus, and a computer readable storage medium, where the technical
solution is as follows:
[0004] In one aspect, an embodiment of the present invention provides a
payment processing
method, where the method includes:
[0005] Acquiring a payment processing request generated by the terminal after
the target order
payment fails, where the payment processing request includes at least the
payment information
and the user information corresponding to the target order;
[0006] Performing risk assessment on the target order according to the user
information;
[0007] In response to the risk assessment result, the target order is
advanced.
[0008] In an optional implementation manner, the performing the advance
processing on the
target order includes:
[0009] Advance the target order;
[0010] Generating a deferred order corresponding to the target order;
[0011] A delayed payment operation on the target order is completed within a
preset time
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period based on the deferred order.
[0012] In an optional implementation manner, the performing a risk assessment
on the target
order according to the user information, including:
[0013] Acquiring historical behavior data corresponding to the user
information;
[0014] Performing risk assessment on the target order according to the
historical behavior data.
[0015] In an optional implementation manner, the historical behavior data
corresponding to the
user information includes a total number of historical payment corresponding
to the user
information and a historical payment result;
[0016] Performing risk assessment on the target order according to the
historical behavior data,
including:
[0017] Calculating a historical successful payment proportion corresponding to
the user
information according to the total number of historical payment corresponding
to the user
information and the historical payment result;
[0018] If the historical successful payment ratio is greater than the
successful payment ratio
threshold, the target order passes the risk assessment.
[0019] In an optional implementation manner, the method further includes:
[0020] Verifying customer validity based on the user information;
[0021] After the verification result is valid, performing the step of
performing risk assessment
on the target order according to the user information.
[0022] In an optional implementation manner, the completing the delayed
payment operation
on the target order based on the deferred order includes:
[0023] Acquiring a payment order corresponding to the deferred order,
performing payment
processing based on the payment order, and outputting a payment processing
result.
[0024] In an optional implementation manner, the method further includes:
[0025] obtaining a user-initiated deferred payment inquiry request;
[0026] Returning the delayed payment result of the deferred order according to
the deferred
payment inquiry request.
[0027] In one aspect, a payment processing apparatus is also provided, the
apparatus
comprising:
[0028] An obtaining module, configured to acquire a payment processing request
generated by
the terminal after the target order payment fails, where the payment
processing request includes
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at least the payment information and the user information corresponding to the
target order;
[0029] A risk assessment module, configured to perform risk assessment on the
target order
according to the user information;
[0030] An advance processing module, configured to perform a pay-off process
on the target
order in response to the risk assessment result.
[0031] In an optional implementation manner, the advance processing module
includes:
[0032] An advancement unit, configured to advance the target order;
[0033] An order generating unit, configured to generate a deferred order
corresponding to the
target order;
[0034] A payment processing unit, configured to complete a delayed payment
operation on the
target order within a preset time period based on the deferred order.
[0035] In an optional implementation manner, the risk assessment module is
configured to
obtain historical behavior data corresponding to the user information, and
perform risk
assessment on the target order according to the historical behavior data.
[0036] In an optional implementation manner, the historical behavior data
corresponding to the
user information includes a total number of historical payment corresponding
to the user
information and a historical payment result;
[0037] The risk assessment module is configured to calculate a historical
successful payment
proportion corresponding to the user information according to the total number
of historical
payment corresponding to the user information and a historical payment result;
if the historical
successful payment ratio is greater than a successful payment ratio threshold,
the target order
passes the risk assessment.
[0038] In an optional implementation manner, the apparatus further includes:
[0039] A verification module, configured to verify customer validity according
to the user
information;
[0040] The risk assessment module is configured to perform the step of
performing risk
assessment on the target order according to the user information, after the
verification result is
valid.
[0041] In an optional implementation manner, the payment processing unit is
configured to
acquire a payment order corresponding to the deferred order, perform payment
processing within
a preset time period based on the payment order, and output a payment
processing result.
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[0042] In an optional implementation manner, the apparatus further includes:
[0043] The query processing module is configured to obtain a user-initiated
deferred payment
query request, and return a delayed payment result of the deferred order
according to the deferred
payment query request.
[0044] In one aspect, a computer apparatus is also provided, the computer
apparatus comprising
a processor and a memory, the memory storing at least one instruction, the at
least one
instruction being implemented as described above when executed by the
processor Any of the
payment processing methods described.
[0045] There is also provided a computer readable storage medium having stored
therein at
least one instruction that, when executed, implements any of the payment
processing methods
described above.
[0046] The technical solutions provided by the embodiments of the present
invention may at
least bring the following beneficial effects:
[0047] After the target order payment fails, by performing the advance
processing on the target
order, the completion of the target order can be facilitated, thereby reducing
the order churn rate
and improving the payment success rate; in addition, performing the advance
processing on the
target order Risk assessment, which reduces payment risk and increases the
reliability of
payment.
Brief Description
[0048] In order to more clearly illustrate the technical solutions in the
embodiments of the
present invention, the drawings used in the description of the embodiments
will be briefly
described below. Obviously, the drawings in the following description are only
some of the
present invention. For the embodiments, those skilled in the art can obtain
other drawings
according to the drawings without any creative work.
[0049] Figure 1 is a flow chart of an interaction process in the related art;
[0050] Figure 2 is a flowchart of a payment processing method according to an
embodiment of
the present invention;
[0051] Figure 3 is a schematic diagram of an implementation environment
according to an
embodiment of the present invention;
[0052] Figure 4 is a structural diagram of a payment processing system
according to an
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embodiment of the present invention;
[0053] Figure 5 is a flowchart of a payment processing method according to an
embodiment of
the present invention;
[0054] Figure 6 is a schematic diagram of interaction of a padding process
according to an
embodiment of the present invention;
[0055] Figure 7 is a schematic diagram of an interface of a pad payment
process according to
an embodiment of the present invention;
[0056] Figure 8 is a schematic diagram of interaction of a deferred payment
process according
to an embodiment of the present invention;
[0057] Figure 9 is a schematic diagram of an interface of a delayed payment
process according
to an embodiment of the present invention;
[0058] Figure 10 is a schematic diagram of a system architecture of a method
for processing a
converged payment according to an embodiment of the present invention;
[0059] Figure 11 is a flowchart of a payment processing method according to an
embodiment
of the present invention;
[0060] Figure 12 is a flowchart of a padding processing method according to an
embodiment of
the present invention;
[0061] Figure 13 is a schematic structural diagram of a payment processing
apparatus
according to an embodiment of the present invention;
[0062] Figure 14 is a schematic structural diagram of a pad processing module
according to an
embodiment of the present invention;
[0063] Figure 15 is a schematic structural diagram of a payment processing
apparatus
according to an embodiment of the present invention;
[0064] Figure 16 is a schematic structural diagram of a payment processing
apparatus
according to an embodiment of the present invention;
[0065] Figure 17 is a schematic structural diagram of a server according to an
embodiment of
the present invention;
[0066] Figure 18 is a schematic structural diagram of a terminal according to
an embodiment of
the present invention.
Description of the Preferred Examples
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[0067] The embodiments of the present invention will be further described in
detail below with
reference to the accompanying drawings.
[0068] With the development of Internet technology, there are more and more
types of
applications relying on the Internet, and the types of services provided by
these applications are
also increasing. For example, some applications provide payment functions,
through which
online shopping, ordering, and other services can be implemented. When users
use these apps to
make purchases or order meals, they often involve payment operations.
[0069] Taking an application that provides a subscription service as an
example, the related art
may perform the payment processing as shown in Figure 1. When the user
completes the order
through the application and successfully places the order, the business order
is created, and a
payment method selection interface is provided. At this point, the user can
select a payment
method and then create a payment order based on the payment method selected by
the user. If the
payment order fails to be paid, two options are provided, one is to re-select
the payment method,
and the new payment method is switched to re-perform the payment process; the
other is that the
user cancels the business order, and the order is failed. It can be seen that
the payment processing
method provided by the related art requires the user to perform the payment
operation again after
the order payment fails, resulting in high operation cost, and if the user
does not perform the
second payment operation, the current business order will be lost. In
addition, even if a
secondary payment operation is performed, there may still be a failure of
payment, resulting in a
low success rate of payment.
[0070] To this end, the embodiment of the present invention provides a payment
processing
method. As shown in Figure 2, after the payment of the target order (ie, the
business order) fails,
the method creates a loan by performing advance payment processing on the
target order.
Facilitating the completion of the target order, thereby reducing the order
churn rate and
increasing the success rate of payment; in addition, the method includes a
risk assessment step
before the target order is placed, thereby reducing the payment risk and
improving the reliability
of the payment.
[0071] Please refer to Figure 3, which is a schematic diagram of an
implementation
environment of a method provided by an embodiment of the present invention.
The
implementation environment includes a terminal 11 and a server 12.
[0072] The terminal 11 is installed with an application client, for example,
an application client
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that provides a subscription service, an application client that provides a
hotel reservation service,
an application client that provides a shopping service, and the like. After
the application client is
started, if the payment for the target order fails, the terminal 11 interacts
with the server 12 to
implement the advance operation and the subsequent delayed payment operation.
[0073] When implemented, the terminal 11 shown in Figure 3 may be an
electronic apparatus
such as a mobile phone, a tablet computer, a personal computer, or the like.
The server 12 can be
a server, a server cluster composed of multiple servers, or a cloud computing
service center. The
terminal 11 and the server 12 establish a communication connection through a
wired or wireless
network.
[0074] When performing the payment processing, taking the system architecture
shown in
Figure 4 as an example, the terminal 11 is provided with a payment tool, such
as a "checkout
counter" and a "wallet" as shown in Figure 4, and the server 12 is provided
with Advance
payment system, risk control system, accounting system and customer system.
When the
terminal 11 performs payment processing on the target order, if the payment
fails, the depositing
system of the server 12 is triggered to perform the advance operation. In the
process of
performing the advancement operation, in consideration of payment security,
and in order to
reduce the risk of payment, the advance payment system also interacts with the
wind control
system, and the risk control system is used for conducting transaction risk
determination, that is,
conduct a risk assessment to the target order. In the risk assessment,
customer information,
contract information, account opening information, etc. can be queried through
the customer
system to conduct a comprehensive risk assessment of the target order. For
example, the risk
level of the user corresponding to the target order is evaluated by the wind
control system,
thereby determining the risk of the advance payment.
[0075] Optionally, in order to improve the speed and accuracy of the risk
assessment, the user
risk model may be implemented, and thus the process of training the user risk
model is further
included in the wind control system. The user risk model is used to determine
whether there is a
security risk in the target order. The specific structure and training mode of
the model are not
limited in the embodiment of the present invention. For example, a certain
amount of user
information may be collected as a training sample to train the initial neural
network model,
thereby training a user risk model for determining payment risk. Regardless of
which user risk
model is adopted, after the risk assessment of the target order, if the risk
assessment is passed,
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the target order can be advanced, thereby facilitating the completion of the
target order, so that
the target order is not lost.
[0076] Wherein, in the advance payment process, the financial system also
needs to create a
loan and record the account, create an extension order, record the current
payment operation, and
pay the target order through the subsequent deferred payment operation. For
example, when the
accounting system registers, it can create a debit and generate a deferred
order to record the order
information and user information of the advance operation. Thereafter, when
the terminal 11 side
triggers the deferred payment, the terminal 11 and the server 12 can implement
the delayed
payment operation based on the deferred order, thereby completing the payment
for the target
order.
[0077] Of course, in addition to the interaction between the terminal 11 and
the server 12 to
implement the payment processing, the method provided by the embodiment of the
present
invention also supports the payment processing by the terminal 11. Still
taking the system
architecture shown in Figure 4 as an example, the terminal 11 is provided with
a payment tool,
such as a "checkout counter" and a "wallet" as shown in Figure 4, and the
terminal 11 is
provided with an advance payment system, a wind control system, and a billing
service. System
and customer system.
[0078] When the terminal 11 performs payment processing on the target order,
if the payment
fails, the advance payment system is triggered to perform the advance
operation. In the process
of performing the advancement operation, in consideration of payment security,
and in order to
reduce the risk of payment, the advance payment system also interacts with the
wind control
system, and the risk control system is used for conducting transaction risk
determination, that is,
conduct a risk assessment to the target order . In addition, the financial
system needs to create a
debit and record, create a deferred order to record the advancement operation,
and pay the target
order through a subsequent deferred payment operation. For example, when the
accounting
system registers, it can create a debit and generate a deferred order to
record the order
information and user information of the advance operation. Thereafter, after
the user triggers the
deferred payment, the terminal 11 can implement the delayed payment operation
based on the
deferred order, thereby completing the payment of the target order.
[0079] Next, in order to facilitate the understanding of the payment
processing method
provided by the embodiment of the present invention, the payment processing
interaction flow
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between the terminal and the server provided by the embodiment of the present
invention is
described based on the method flow shown in Figure 2, the implementation
environment shown
in Figure 3, and the system architecture shown in Figure 4. As shown in Figure
5, the method
provided by the embodiment of the present invention may include the following
steps:
[0080] In Step 501, after the target order payment fails, the terminal sends a
payment
processing request to the target server, where the payment processing request
includes at least the
payment information and the user information corresponding to the target
order.
[0081] For this step, after the terminal creates a business order based on the
user's operation,
that is, after acquiring the target order, the payment operation is triggered.
The payment
operation process can be as shown in Figure 6. After the user places an order,
a business order is
created, and the business system sends the created pre-payment slip to the
cashier, and the
cashier returns the payment parameter according to the pre-payment slip. If
the user confirms the
execution of the payment operation, the cashier is called up to provide a
payment method
selection interface. According to the payment method selected by the user, the
payment password
input by the user is obtained, and the payment processing is performed
accordingly.
[0082] If the payment fails, the terminal sends a payment processing request
to the target server,
where the payment processing request includes at least the payment information
and the user
information corresponding to the target order. The payment information
includes, but is not
limited to, an amount to be paid, and the user information includes but is not
limited to a user
identifier, a user account, and the like.
[0083] In Step 502, the target server acquires a payment processing request
sent by the terminal
after the target order payment fails.
[0084] The target server receives the payment processing request sent by the
terminal after the
target order payment fails, and parses the obtained payment processing request
to obtain the
payment information and the user information included in the payment
processing request.
[0085] In Step 503, the target server performs risk assessment on the target
order according to
the user information.
[0086] In order to reduce the risk of payment and improve the reliability of
payment, the
method provided by the embodiment of the present invention further includes
the step of
performing risk assessment on the target order according to the user
information after the server
receives the payment processing request.
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[0087] In an optional implementation manner, the manner of risk assessment
includes, but is
not limited to, obtaining historical behavior data corresponding to the user
information; and
performing risk assessment on the target order according to the historical
behavior data. The
historical behavior data may be historical behavior data of the user
corresponding to the user
information recorded on the target server side, and the historical behavior
data can reflect the
historical behavior of the user, and the historical behavior data is analyzed
to reach the user. The
purpose of the risk level assessment is to achieve a risk assessment of the
target order.
[0088] The process of analyzing the historical behavior data to obtain a risk
assessment
conclusion includes, but is not limited to, analyzing the historical behavior
data to obtain the
user's payment credit rating, thereby obtaining a risk conclusion. For
example, the historical
behavior data corresponding to the user information includes the total number
of historical
payment corresponding to the user information and the historical payment
result; when the risk is
evaluated on the target order according to the historical behavior data, the
total number of
historical payment corresponding to the user information and the historical
payment result.
Calculating the historical successful payment proportion corresponding to the
user information;
if the historical successful payment ratio is greater than the successful
payment ratio threshold,
the user's payment credit level is high, indicating that the risk of the
user's escape order is low,
and the target order risk initiated by the user passes the risk Evaluation,
this time the target order
is advanced, and then the payment operation of the target order is completed
by the delayed
payment operation, so that the current target order is not lost.
[0089] Wherein, the historical payment result may be the number of historical
successful
payment, then the historical successful payment ratio = (history successful
payment times / total
historical payment times) * 100%, the greater the historical successful
payment ratio, the higher
the payment credit rating, and The successful payment ratio threshold is used
to indicate a
historical successful payment proportional threshold that satisfies the
advance condition. That is
to say, the successful payment ratio threshold is the minimum requirement for
advance payment.
If the historical successful payment ratio is greater than the successful
payment ratio threshold,
the user's payment credit rating is considered to be high, and the risk
assessment result is passed.
Conversely, if the historical successful payment ratio is less than or equal
to the successful
payment ratio threshold, the user's payment credit rating is low, and the risk
of losing the order is
high, and the risk assessment result is failed. The threshold of the
successful payment ratio may
CA 3052186 2019-08-15
be set according to the actual situation, and may be appropriately adjusted,
which is not limited ,
by the embodiment of the present invention.
[0090] For the sake of easy understanding, the historical behavior data
corresponding to the
user information includes the total number of historical payment corresponding
to the user
information is 100, the number of historical successful payment is 98, and the
successful
payment ratio threshold is 85%. The ratio = (98/100) * 100% = 98%, then the
historical
successful payment ratio is greater than the successful payment ratio
threshold of 85%, and the
risk assessment result is passed.
[0091] It should be noted that the above-mentioned historical behavior data
includes the total
number of historical payment corresponding to the user information and the
number of historical
successful payment. For example, the historical payment result may also be the
number of
historical failure payment. Then, the historical behavior data of the user
includes the total
number of historical payment corresponding to the user information and the
number of historical
failure payment, and the number of historical successful payment times may be
obtained
according to the difference between the total number of historical payment
times and the number
of historical failure payment times, and then calculated according to the
above manner. The
proportion of historical success payments.
[0092] Optionally, in addition to adopting the above-mentioned risk-based
evaluation based on
the historical successful payment ratio, similarly, the historical failure
payment ratio may also be
used for risk assessment. For example, when the risk assessment of the target
order is performed
based on the historical behavior data, the historical failure payment ratio
corresponding to the
user information is calculated according to the total number of historical
payment corresponding
to the user information and the number of historical failure payment. If the
historical failure
payment ratio is less than the failure payment ratio threshold, the target
order passes the risk
assessment.
[0093] The historical failure payment number may be directly carried in the
historical behavior
data corresponding to the user information, that is, the historical behavior
data includes the total
number of historical payment corresponding to the user information and the
number of historical
failure payment. Of course, when the historical behavior data includes the
total number of
historical payment corresponding to the user information and the number of
historical successful
payment times, the difference between the total number of historical payment
times and the
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number of historical successful payment times may be obtained.
[0094] Whenever the number of historical failure payment is obtained, and the
historical failure
payment ratio is calculated, the historical failure payment ratio = (history
failure payment
number/history payment total number)*100%, the historical failure payment
ratio is larger, The
lower the payment credit rating, and the failure payment threshold is used to
indicate the
historical failure payment threshold that satisfies the advance condition.
That is to say, the failure
payment ratio threshold is the minimum requirement for advance payment. If the
historical
failure payment ratio is less than the failure payment ratio threshold, the
user's payment credit
rating is considered to be high, and the risk assessment result is passed.
Conversely, if the
historical failure payment ratio is greater than or equal to the failure
payment ratio threshold, the
user's payment credit rating is low, and the risk of losing the order is high,
and the risk
assessment result is failed. The threshold of the failure payment ratio may be
set according to the
actual situation, and may be appropriately adjusted. This embodiment of the
present invention
does not limit this.
[0095] For the sake of easy understanding, the historical behavior data
corresponding to the
user information includes the total number of historical payment corresponding
to the user
information is 100 times, the number of historical failure payment times is 8
times, and the
failure payment ratio threshold is 5%. If the ratio = (8/100) * 100% = 8%, the
historical failure
payment ratio is greater than the failure payment threshold of 5%, and the
risk assessment result
is not passed.
[0096] In order to further improve the reliability of the payment, as shown in
Figure 6, in an
optional implementation manner, the method provided by the embodiment of the
present
invention further includes a process of verifying the validity of the client
according to the user
information, and verifying the result. After it is valid, the steps of risk
assessment of the target
order based on the user information are performed. The manner of verifying the
validity of the
client is not limited in the embodiment of the present invention. For example,
the client system
may query, based on the user information, whether an account corresponding to
the user
information is stored in the server. If yes, the user corresponding to the
user information is a
registered user, and the registered user has real name information, and thus
the user information
has validity. On the contrary, if the account corresponding to the user
information is not queried,
indicating that the user is a non-registered user, the user information is
invalid, and the
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subsequent payment operation is stopped, thereby reducing the risk of the
payment.
[0097] Further, after the target order passes the risk assessment, in order to
reduce the order
churn rate, the method provided by the embodiment of the present invention
performs the
advance processing on the target order, and the process of the advance payment
processing is
detailed in the subsequent steps.
[0098] In Step 504, in response to the risk assessment result, the target
server advances the
target order.
[0099] After passing the risk assessment, the risk of the advance payment is
low, so in order to
prevent the target order from being lost, the target server advances the
target order according to
the payment information, that is, the target server first performs a payment
operation on the
target order, and then The user pays for the target order by a subsequent
delayed payment
operation. Of course, if the risk assessment fails, the risk of advance
payment is relatively large,
so the advance operation may not be performed. If the user needs to continue
processing the
target order, the payment method can be re-selected.
[0100] For the case of the advance payment, in order to enable the user to
complete the
payment operation for the target order, the method provided by the embodiment
of the present
invention further includes a subsequent delayed payment process, as described
in the following
steps.
[0101] In Step 505, the target server generates a deferred order corresponding
to the target
order.
[0102] In order to subsequently complete the payment operation for the target
order by deferred
payment, after the target server performs the advance payment process, the
deferred order
corresponding to the target order is generated. As shown in Figure 6, the
advance is accounted
for by the financial system, and the deferred order is generated and recorded.
Afterwards, the
server feeds back the successful response to the terminal, so that the
terminal notifies the user
that the order is successful after receiving the successful response.
[0103] For ease of understanding, the above-mentioned padding operation
process can be
illustrated by taking the interface shown in Figure 7 as an example. When the
target order is
created, the target order is displayed, as shown in the first display
interface in Figure 7. In
addition to displaying the payment method, the target order display interface
also displays the
remaining time of payment and the amount of payment. After the user triggers
the payment
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operation, a payment password input interface as shown in the second display
interface in Figure
7 is provided, and the payment operation is performed after the payment
password is acquired. If
the payment fails, instead of returning the payment interface, the user
performs the payment
operation again, but the payment is failed, and the notification has been
paid. As shown in the
example of the third display interface in Figure 7, the pop-up display box
displays the message
"Failed bank card payment", thereby prompting the payment to fail, and
notifying by displaying
the message "The order has been successful, first enjoy the service" already
advanced. After that,
you can jump to the subsequent interface for successful payment, as shown in
the fourth display
interface in Figure 7.
[0104] It should be noted that the process of generating the deferred order in
Step 505 may be
performed after the completion of the advance payment in Step 504, or may be
performed in the
process of performing the advance payment. The embodiments of the present
invention do not
limit the order in which the advance payment and the generation of the
deferred order are made.
[0105] Further, the method provided by the embodiment of the present invention
further
includes the following deferred payment process, after performing the advance
operation on the
target order of the payment failure, in order to facilitate the payment of the
target order.
[0106] In Step 506, the target server completes the delayed payment operation
on the target
order within the preset time period based on the deferred order.
[0107] For this step, it is considered that after the target order payment
failure, the advance has
been made, and thus the target server completes the delayed payment operation
for the target
order within the preset time period based on the deferred order. The process
of the delayed
payment operation includes, but is not limited to, obtaining a payment order
corresponding to the
deferred order, performing payment processing within a preset time period
based on the payment
order, and outputting the payment processing result. For example, the
following steps are taken:
[0108] a. After detecting the deferred order inquiry operation, the terminal
sends a deferred
order inquiry request to the target server according to the deferred order
inquiry operation.
[0109] For this step, if a user has multiple deferred orders, when the
deferred order inquiry
service is provided, a deferred order inquiry list may be provided to display
to the user all
deferred orders of the selectable query through the list. After obtaining the
query operation of the
user selecting any deferred order, the deferred order inquiry request is sent
to the target server,
and the request carries the order information to be queried, such as the order
identifier, thereby
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CA 3052186 2019-08-15
enabling the target server to return the corresponding deferred order.
Certainly, as an optional
implementation manner, after detecting the deferred order query operation, the
query request for
all deferred orders of the user may be sent to the target server, where the
deferred order query
request carries the user information, thereby the target server can return all
deferred orders
corresponding to the user information.
[0110] b. The destination server obtains the deferred order query request sent
by the terminal,
and sends the deferred order to the terminal according to the deferred order
query request.
[0111] If the terminal requests to query a deferred order, the target server
returns the deferred
order requested by the terminal according to the order information of the one
deferred order. If
the terminal requests all the deferred orders of the user, the target server
returns the
corresponding information of the user information. All deferred orders.
[0112] c. The terminal receives the deferred order returned by the target
server based on the
deferred order query request, displays the deferred order, and returns a
deferred payment request
for the deferred order to the target server.
[0113] After the terminal displays the deferred order, the user may be
provided to select an
entry, so that the user can select the deferred order to be paid through the
portal, thereby
triggering the deferred payment operation. When the terminal detects that a
deferred order is
selected, it may also display a prompt message to prompt the user whether to
perform the
deferred payment operation. When the terminal detects the confirmation
operation of the
deferred payment, the terminal returns a deferred payment request for the
selected deferred order
to the target server.
[0114] d. The target server creates a payment order corresponding to the
deferred order
according to the deferred payment request, and feeds the payment order to the
terminal.
[0115] e. The terminal receives the payment order corresponding to the
deferred order created
by the target server according to the deferred payment request, performs
payment processing on
the payment order, and returns a payment processing result to the target
server.
[0116] Wherein, when the terminal performs payment processing on the payment
order, the
manner of performing the payment operation on the target order may be used,
and the process is
not described herein again. After the payment process is performed, the
payment processing
result is returned to the target server.
[0117] For example, as shown in Figure 8, after the user initiates the
operation of querying the
CA 3052186 2019-08-15
deferred order, the terminal detects the deferred order inquiry operation,
thereby sending the
deferred order inquiry request to the target server according to the deferred
order inquiry
operation; the target server acquires the terminal to send the request. The
deferred order inquiry
request sends an extension order to the terminal according to the deferred
order inquiry request,
that is, the current order should be returned. After the terminal displays the
deferred order, if the
user determines the payment, the terminal returns a deferred payment request
for the deferred
order to the target server. The payment system interacts with the cashier to
trigger the cashier to
create a pre-payment slip, and the cashier returns the payment parameters
based on the
pre-payment slip. If the user confirms the execution of the payment operation,
the cashier is
called up to provide a payment method selection interface. According to the
payment method
selected by the user, the payment password input by the user is obtained, and
the payment
processing is performed accordingly. If the payment is successful, the
advancement system pays
for this.
[0118] For ease of understanding, taking the display interface of the delayed
payment process
shown in Figure 9 as an example, the terminal provides an operation portal for
deferred payment
by using the first display interface as shown in Figure 9, such as displaying
a "wallet" on the
display interface. When the user selects the portal, the second display
interface shown in Figure 9
is accessed, and the processing option of "deferred order" is provided through
the interface.
When the user confirms that the deferred payment is made, the "Deferred Order"
option can be
selected to switch to the third display interface shown in Figure 9. On the
third display interface,
the order information that needs to be deferred is displayed, such as the
remaining time of
payment, the amount of payment, and the payment method. After the payment
processing is
performed through a series of payment operations, if the payment is
successful, a successful
payment interface as shown in the fourth display interface in Figure 9 is
displayed, thereby
notifying the user that the current delayed payment operation is successful.
At this point, the
terminal can return the payment result to the target server.
[0119] It should be noted that the foregoing process may be performed within a
preset time
period after the completion of the payment, and the preset time period may be
set according to
actual conditions, for example, setting the preset time period to one day, one
week, one The
embodiment of the present invention does not limit the length of the preset
time period.
Optionally, in addition to setting a fixed preset time period, different
preset time periods may be
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CA 3052186 2019-08-15
set for different user credit levels, such as a user with a high credit
rating, a relatively long preset
time period, and a low credit rating. User, corresponding to a relatively
short preset time period,
and so on.
[0120] Further, the preset time period is set, and if the delayed payment
operation is not
completed within the preset time period, the method provided by the embodiment
of the present
invention further includes: displaying prompt information for paying the
target order, thereby
Prompt the user to complete the payment operation of the target order in time.
For example, the
prompt information may be "Please complete the payment operation with order
number *** in
time".
[0121] Further, after receiving the payment processing result returned by the
terminal, the target
server may perform storage recording. Further, the method provided by the
embodiment of the
present invention further includes providing the user with a deferred payment
inquiry service,
including but not limited to: obtaining a user-initiated deferred payment
inquiry request, and
returning a delayed payment result of the deferred order according to the
deferred payment
inquiry request. For example, the method provided by the embodiment of the
present invention
further includes the following steps:
[0122] f. The terminal sends a deferred payment query request to the target
server according to
the deferred payment query operation;
[0123] For this step, if a user has multiple deferred orders, when the
deferred payment inquiry
service is provided, a deferred payment inquiry list may be provided to
display all the orders of
the selectable query to the user through the list. After obtaining the
deferred payment inquiry
operation of the user selecting any order, the deferred payment inquiry
request is sent to the
target server, and the request carries the order information to be inquired,
such as an order
identifier. This enables the target server to return the delayed payment
result of the corresponding
deferred order.
[0124] g. The target server obtains the deferred payment query request sent by
the terminal, and
returns a delayed payment result of the deferred order according to the
deferred payment query
request.
[0125] The target server obtains a user-initiated deferred payment query
request, and if the
terminal requests to query a deferred payment result, the target server
returns the deferred
payment result of the terminal request query according to the order
information of the one
17
CA 3052186 2019-08-15
deferred order, if the terminal requests the user's If all the payment results
are deferred, the target
server returns all the deferred payment results corresponding to the user
information.
[0126] h. The terminal acquires and displays the delayed payment result of the
deferred order
returned by the target server according to the deferred payment inquiry
request.
[0127] For this step, if all the deferred payment results corresponding to the
user information
are obtained, all the deferred payment results corresponding to the user
information may be
displayed in the chronological order corresponding to the deferred payment
result.
[0128] In summary, the method provided by the embodiment of the present
invention can be
applied not only to an application that provides a shopping service, a
reservation service, a hotel
reservation service, but also to any other application involving a payment
operation. As shown in
Figure 10, when any user registers with a real-name information as a client of
an application, the
account corresponding to the user can be registered, and each institution can
recommend its
product to the account. When the payment operation is involved, and the
payment fails, the
payment processing method provided by the embodiment of the present invention
may be used to
perform the payment operation based on the account, and the loan is created
after the advance
operation to generate the deferred order. Among them, the deferred order
records the payment
details that need to be deferred. In the subsequent deferred payment
operation, the payment
operation for the business order is completed. It should be noted that the
1..n in Figure 10
represents a quantity relationship, for example, the quantity relationship
between the customer
and the account is 1..n, which means that one customer can have 1 to n any
number of accounts;
The quantity relationship between business orders is 1..1, which represents a
loan corresponding
to a business order. Where n is a positive integer greater than 1.
[0129] The method provided by the embodiment of the present invention, after
the target order
payment fails, sends a payment processing request to the target server through
the terminal,
thereby triggering the target server to perform the advance processing on the
target order, which
can facilitate the completion of the target order, thereby reducing The order
churn rate increases
the success rate of payment; in addition, the target server conducts a risk
assessment before
advancing the target order, thereby reducing the payment risk and improving
the reliability of
payment.
[0130] With the continuous development of the terminal, the function of the
terminal is more
and more powerful. The method provided by the embodiment of the present
invention can be
18
CA 3052186 2019-08-15
implemented by the terminal side in addition to the interaction between the
terminal and the
server. As shown in Figure 11, the method for performing the payment
processing on the
terminal side is taken as an example. The method provided by the embodiment of
the present
invention may include the following steps:
[0131] In Step 1101, a payment processing request generated after the target
order payment
fails is obtained, and the payment processing request includes at least the
payment information
and the user information corresponding to the target order.
[0132] For this step, after the terminal creates a business order based on the
operation of the
user, that is, after acquiring the target order, the payment operation is
triggered. The payment
operation process can be as shown in Figure 6. After the user places an order,
a business order is
created, and the business system sends the created pre-payment slip to the
cashier, and the
cashier returns the payment parameter according to the pre-payment slip. If
the user confirms the
execution of the payment operation, the cashier is called up to provide a
payment method
selection interface. According to the payment method selected by the user, the
payment password
input by the user is obtained, and the payment processing is performed
accordingly.
[0133] If the payment fails, the terminal acquires a payment processing
request generated after
the target order payment fails, and the payment processing request includes at
least the payment
information and the user information corresponding to the target order. The
payment information
includes, but is not limited to, an amount to be paid, and the user
information includes but is not
limited to a user identifier, a user account, and the like.
[0134] In Step 1102, a risk assessment of the target order is performed based
on the user
information.
[0135] For the implementation of this step, refer to the content of Step 503
above, and details
are not described herein again.
[0136] In Step 1103, in response to the risk assessment result, the target
order is subjected to
advance processing.
[0137] After passing the risk assessment, it indicates that the risk of
advance payment is low,
and therefore, in order to prevent the target order from being lost, the
terminal performs the
advance processing on the target order according to the payment information.
[0138] Optionally, referring to Figure 12, the pad processing process provided
by the
embodiment of the present invention is as follows.
19
CA 3052186 2019-08-15
[0139] In Step 11031, the target order is advanced.
[0140] For the implementation of the step, reference may be made to the
content of the
foregoing Step 504, and details are not described herein again.
[0141] In Step 11032, an extension order corresponding to the target order is
generated.
[0142] For the implementation of the step, refer to the content of the
foregoing Step 505, and
details are not described herein again.
[0143] In Step 11033, the delayed payment operation on the target order is
completed within
the preset time period based on the deferred order.
[0144] For this step, the process of the delayed payment operation includes,
but is not limited to,
obtaining a payment order corresponding to the deferred order, performing
payment processing
based on the payment order, and outputting the payment processing result. For
example, the
delayed payment operation includes the following steps:
[0145] (1) After detecting the deferred order inquiry operation, the terminal
acquires the
deferred order according to the deferred order inquiry operation.
[0146] For this step, if a user has multiple deferred orders, when the
deferred order inquiry
service is provided, a deferred order inquiry list may be provided to display
to the user all
deferred orders of the selectable query through the list. After obtaining the
query operation of the
user selecting any deferred order, the order information to be inquired, such
as the order
identifier, is obtained, and the corresponding deferred order is obtained
accordingly. Of course,
as an optional implementation manner, all the deferred orders corresponding to
the user
information may also be obtained after the deferred order inquiry operation is
detected.
[0147] (2) The terminal displays the deferred order, and after determining to
perform the
deferred payment operation, creates a payment order corresponding to the
deferred order.
[0148] After the terminal presents the deferred order, a user selection portal
may be provided to
enable the user to select an extension order to be paid through the portal,
thereby triggering the
deferred payment operation. When the terminal detects that a deferred order is
selected, it may
also display a prompt message to prompt the user whether to perform the
deferred payment
operation. When the user selects the confirmation operation, the payment order
corresponding to
the deferred order is created.
[0149] (3) Perform payment processing on the payment order and output a
payment processing
result.
CA 3052186 2019-08-15
[0150] Wherein, when the terminal performs the payment processing on the
payment order, the
manner of performing the payment operation on the target order may be used,
and the process is
not described herein again. In addition, the above process can also refer to
the interfaces shown
in Figure 8 and Figure 9.
[0151] Further, after the terminal performs payment processing on the payment
order within the
preset time period, the terminal may store and record the payment processing
result, and
subsequently provide the user with the deferred payment inquiry service,
including but not
limited to obtaining the user-initiated extension. The payment inquiry request
returns the delayed
payment result of the deferred order according to the deferred payment inquiry
request. For
example, if a user has multiple deferred orders, then when the deferred
payment inquiry service
is provided, a deferred payment inquiry list may be provided to display to the
user all the orders
of the selectable query through the list. After obtaining the deferred payment
inquiry operation of
the user selecting any order, obtaining the order information to be inquired,
such as the order
identifier, etc., according to which the deferred payment inquiry request is
obtained, and the
delayed payment result of the deferred order is returned according to the
deferred payment
inquiry request, and Further shows the delayed payment result of the deferred
order.
[0152] Wherein, if the request is to query a deferred payment result, the
deferred payment
result of the deferred order is queried and displayed according to the order
information of the one
deferred order, and if all the deferred payment results of the user are
requested, the
corresponding user is displayed. All deferred payment results. For the case of
displaying all the
deferred payment results corresponding to the user, all the deferred payment
results
corresponding to the user information may be displayed in the chronological
order corresponding
to the deferred payment result.
[0153] It should be noted that, in this embodiment, only the entire payment
processing flow is
implemented on the terminal side, and the implementation principle of the
payment processing
method is the same as the foregoing embodiment of the embodiment shown in
Figure 5. For
related steps, refer to the content of the embodiment shown in Figure 5 above.
[0154] The method provided by the embodiment of the present invention can
facilitate the
completion of the target order by performing advance payment processing on the
target order
after the target order payment fails, thereby reducing the order churn rate
and improving the
payment success rate; Risk assessment is carried out before, which reduces the
payment risk and
21
CA 3052186 2019-08-15
improves the reliability of payment.
[0155] Based on the same inventive concept as the above method, referring to
Figure 13, an
embodiment of the present invention provides a payment processing apparatus,
which can be
applied to a server or a terminal. As shown in Figure 13, the apparatus
includes:
[0156] The obtaining module 1301 is configured to obtain a payment processing
request
generated after the target order payment fails, where the payment processing
request includes at
least the payment information and the user information corresponding to the
target order;
[0157] The risk evaluation module 1302 is configured to perform risk
assessment on the target
order according to the user information;
[0158] The advance payment processing module 1303 is configured to perform a
pay-off
process on the target order in response to the risk assessment result.
[0159] In an optional implementation manner, referring to Figure 14, the
advance processing
module 1303 includes:
[0160] The delivery unit 13031 is configured to advance the target order;
[0161] An order generating unit 13032, configured to generate a deferred order
corresponding
to the target order;
[0162] The payment processing unit 13033 is configured to complete the delayed
payment
operation on the target order within the preset time period based on the
deferred order.
[0163] In an optional implementation manner, the risk assessment module 1302
is configured to
obtain historical behavior data corresponding to the user information, and
perform risk
assessment on the target order according to the historical behavior data.
[0164] In an optional implementation manner, the historical behavior data
corresponding to the
user information includes a total number of historical payment corresponding
to the user
information and a historical payment result;
[0165] The risk evaluation module 1302 is configured to calculate a historical
successful
payment proportion corresponding to the user information according to the
total number of
historical payment corresponding to the user information and the historical
payment result; if the
historical successful payment ratio is greater than the successful payment
ratio threshold, the
target order passes the risk assessment.
[0166] In an optional embodiment, referring to Figure 15, the apparatus
further includes:
[0167] The verification module 1304 is configured to verify the validity of
the client according
22
CA 3052186 2019-08-15
to the user information;
[0168] The risk evaluation module 1302 is configured to perform a step of
performing risk
assessment on the target order according to the user information, after the
verification result is
valid.
[0169] In an optional implementation manner, the payment processing unit 13033
is configured
to obtain a payment order corresponding to the deferred order, perform payment
processing
within a preset time period based on the payment order, and output a payment
processing result.
[0170] In an optional implementation manner, referring to Figure 16, the
apparatus further
includes:
[0171] The query processing module 1305 is configured to obtain a user-
initiated deferred
payment query request, and return a delayed payment result of the deferred
order according to
the deferred payment query request.
[0172] The apparatus provided by the embodiment of the present invention can
facilitate the
completion of the target order by performing advance payment processing on the
target order
after the target order payment fails, thereby reducing the order churn rate
and improving the
payment success rate; Risk assessment is carried out before the target order
is processed, which
reduces the payment risk and improves the reliability of payment.
[0173] It should be noted that, when the apparatus provided by the foregoing
embodiment
implements its function, only the division of each functional module described
above is
illustrated. In an actual application, the function distribution may be
completed by different
functional modules as needed. The internal structure of the apparatus is
divided into different
functional modules to complete all or part of the functions described above.
In addition, the
apparatus and method embodiments provided in the foregoing embodiments are in
the same
concept, and the specific implementation process is described in detail in the
method
embodiment, and details are not described herein again.
[0174] Figure 17 is a schematic structural diagram of a payment processing
apparatus
according to an embodiment of the present invention. The apparatus may be a
server, and the
server may be a separate server or a cluster server. Specifically:
[0175] The server includes a central processing unit (CPU) 1701, a random
access memory
(RAM) 1702, and a system memory 1704 of a read only memory (ROM) 1703, and a
system bus
1705 that connects the system memory 1704 and the central processing unit
1701. The server
23
CA 3052186 2019-08-15
also includes a basic input/output system (I/0 system) 1706 that facilitates
transfer of
information between various apparatus within the computer, and a mass storage
apparatus 1707
for storing operating system 1713, applications 1714, and other program
modules 1717.
[0176] The basic input/output system 1706 includes a display 1708 for
displaying information
and an input apparatus 1709 such as a mouse, a keyboard for inputting
information by a user.
Both display 1708 and input apparatus 1709 are connected to central processing
unit 1701 via an
input and output controller 1710 that is coupled to system bus 1705. The basic
input/output
system 1706 can also include an input output controller 1710 for receiving and
processing input
from a plurality of other apparatus, such as a keyboard, mouse, or electronic
stylus. Similarly, the
input and output controller 1710 also provides output to a display screen,
printer, or other type of
output apparatus.
[0177] The mass storage apparatus 1707 is connected to the central processing
unit 1701 by a
mass storage controller (not shown) connected to the system bus 1705. The mass
storage
apparatus 1707 and its associated computer readable medium provide non-
volatile storage for the
server. That is, the mass storage apparatus 1707 can include a computer
readable medium (not
shown) such as a hard disk or a CD-ROM drive.
[0178] Without loss of generality, computer readable media may comprise
computer storage
media and communication media. The computer storage medium includes volatile
and
non-volatile, removable and non-removable media implemented in any method or
technique for
storing information such as computer readable instructions, data structures,
program modules, or
other data. Computer storage media include RAM, ROM, EPROM, EEPROM, flash
memory or
other solid state storage technologies, CD-ROM, DVD or other optical storage,
tape cartridges,
magnetic tape, magnetic disk storage or other magnetic storage apparatus. Of
course, technicians
in this field know that the computer storage medium is not limited to the
above. The system
memory 1704 and mass storage apparatus 1707 described above may be
collectively referred to
as a memory.
[0179] According to various embodiments of the present invention, the server
may also be
operated by a remote computer connected to the network through a network such
as the Internet.
That is, the server can be connected to the network 1712 via a network
interface unit 1711
connected to the system bus 1705, or the network interface unit 1711 can be
used to connect to
other types of networks or remote computer systems (not shown).
24
CA 3052186 2019-08-15
[0180] The above memory further includes one or more programs, and one or more
programs
are stored in the memory and configured to be executed by the CPU. The one or
more programs
include instructions for performing the payment processing method provided by
embodiments of
the present invention.
[0181] Figure 18 is a schematic structural diagram of a payment processing
apparatus
according to an embodiment of the present invention. The apparatus can be a
terminal, for
example: a smart phone, a tablet, an MP3 player (Moving Picture Experts Group
Audio Layer
III), MP4 (Moving Picture Experts Group Audio Layer IV), motion picture
Experts compress
standard audio layers 4) players, laptops or desktops. A terminal may also be
referred to as a user
apparatus, a portable terminal, a laptop terminal, a desktop terminal, and the
like.
[0182] Generally, the terminal includes a processor 1801 and a memory 1802.
[0183] The processor 1801 may include one or more processing cores, such as a
4-core
processor, an 8-core processor, and the like. The processor 1801 can be
implemented by using at
least one of a DSP (Digital Signal Processing), an FPGA (Field-Programmable
Gate Array), and
a PLA (Programmable Logic Array). The processor 1801 may also include a main
processor and
a coprocessor. The main processor is a processor for processing data in an
awake state, also
called a CPU (Central Processing Unit); the coprocessor is used for a low-
power processor that
processes data in standby mode. In some embodiments, the processor 1801 may be
integrated
with a GPU (Graphics Processing Unit), which is responsible for rendering and
rendering of the
content that the display needs to display. In some embodiments, the processor
1801 may further
include an Al (Artificial Intelligence) processor for processing computational
operations related
to machine learning.
[0184] The memory 1802 can include one or more computer readable storage
media, which can
be non-transitory. Memory 1802 can also include high speed random access
memory, as well as
non-volatile memory, such as one or more disk storage apparatus, flash storage
apparatus. In
some embodiments, the non-transitory computer readable storage medium in
memory 1802 is for
storing at least one instruction for execution by processor 1801 to implement
the payment
method provided by the method embodiment of the present application.
[0185] In some embodiments, the terminal optionally further includes: a
peripheral apparatus
interface 1803 and at least one peripheral apparatus. The processor 1801, the
memory 1802, and
the peripheral apparatus interface 1803 may be connected by a bus or a signal
line. Each
CA 3052186 2019-08-15
peripheral apparatus can be connected to the peripheral apparatus interface
1803 via a bus, signal
line or circuit board. Specifically, the peripheral apparatus includes at
least one of a radio
frequency circuit 1804, a touch display screen 1805, a camera 1806, an audio
circuit 1807, a
positioning component 1808, and a power source 1809.
[0186] The peripheral apparatus interface 1803 can be used to connect at least
one peripheral
apparatus related to 110 (Input/Output) to the processor 1801 and the memory
1802. In some
embodiments, the processor 1801, the memory 1802, and the peripheral apparatus
interface 1803
are integrated on the same chip or circuit board; in some other embodiments,
any one of the
processor 1801, the memory 1802, and the peripheral apparatus interface 1803
or The two can be
implemented on a separate chip or circuit board, which is not limited in this
embodiment.
[0187] The RF circuit 1804 is configured to receive and transmit an RF (Radio
Frequency)
signal, also referred to as an electromagnetic signal. The RF circuit 1804
communicates with the
communication network and other communication apparatus via electromagnetic
signals. The RF
circuit 1804 converts the electrical signal into an electromagnetic signal for
transmission, or
converts the received electromagnetic signal into an electrical signal.
Optionally, the RF circuit
1804 includes an antenna system, an RF transceiver, one or more amplifiers, a
tuner, an oscillator,
a digital signal processor, a codec chipset, a subscriber identity module
card, and the like. Radio
frequency circuitry 1804 can communicate with other terminals via at least one
wireless
communication protocol. The wireless communication protocol includes, but is
not limited to, a
metropolitan area network, various generations of mobile communication
networks (2G, 3G, 4G,
and 5G), a wireless local area network, and/or a WiFi (Wireless Fidelity)
network. In some
embodiments, the RF circuit 1804 may also include NFC (Near Field
Communication) related
circuitry, which is not limited in this application.
[0188] The display screen 1805 is used to display a UI (User Interface). The
UI can include
graphics, text, icons, video, and any combination thereof. When the display
1805 is a touch
display, the display 1805 also has the ability to acquire touch signals over
the surface or surface
of the display 1805. The touch signal can be input to the processor 1801 as a
control signal for
processing. At this time, the display 1805 can 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 screen 1805 can be one, and the front panel of the terminal is
disposed; in other
embodiments, the display screen 1805 can be at least two, respectively
disposed on different
26
CA 3052186 2019-08-15
surfaces of the terminal or in a folded design; in some implementations In an
example, the
display screen 1805 can be a flexible display screen disposed on a curved
surface or a folded
surface of the terminal. Even the display screen 1805 can be set to a non-
rectangular irregular
pattern, that is, a profiled screen. The display 1805 can be made of a
material such as an LCD
(Liquid Crystal Display) or an OLED (Organic Light-Emitting Diode).
[0189] Camera assembly 1806 is used to capture images or video. Optionally,
camera assembly
1806 includes a front camera and a rear camera. Usually, the front camera is
placed on the front
panel of the terminal, and the rear camera is placed on the back of the
terminal. In some
embodiments, the rear camera is at least two, which are respectively a main
camera, a depth
camera, a wide-angle camera, and a telephoto camera, so as to realize the
background blur
function of the main camera and the depth camera, and the main camera Combine
with a
wide-angle camera for panoramic shooting and VR (Virtual Reality) shooting or
other integrated
shooting functions. In some embodiments, camera assembly 1806 can also include
a flash. The
flash can be a monochrome temperature flash or a two-color temperature flash.
The two-color
temperature flash is a combination of a warm flash and a cool flash that can
be used for light
compensation at different color temperatures.
[0190] The audio circuit 1807 can include a microphone and a speaker. The
microphone is used
to collect sound waves of the user and the environment, and convert the sound
waves into
electrical signals for processing into the processor 1801 for processing, or
input to the RF circuit
1804 for voice communication. For the purpose of stereo acquisition or noise
reduction, there
may be multiple microphones, which are respectively arranged in different
parts of the terminal.
The microphone can also be an array microphone or an omnidirectional
acquisition microphone.
The speaker is then used to convert electrical signals from the processor 1801
or the RF circuit
1804 into sound waves. The speaker can be a conventional film speaker or a
piezoelectric
ceramic speaker. When the speaker is a piezoelectric ceramic speaker, not only
can the electrical
signal be converted into human audible sound waves, but also the electrical
signal can be
converted into sound waves that are inaudible to humans for ranging and the
like. In some
embodiments, audio circuit 1807 can also include a headphone jack.
[0191] The positioning component 1808 is configured to locate a current
geographic location of
the terminal to implement navigation or LBS (Location Based Service). The
positioning
component 1808 can be a positioning component based on a US-based GPS (Global
Positioning
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System), a Chinese Beidou system, a Russian GLONASS system, or an EU Galileo
system.
[0192] A power supply 1809 is used to power various components in the
terminal. The power
source 1809 can be an alternating current, a direct current, a disposable
battery, or a rechargeable
battery. When the power source 1809 includes a rechargeable battery, the
rechargeable battery
can support wired charging or wireless charging. The rechargeable battery can
also be used to
support fast charging technology.
[0193] In some embodiments, the terminal further includes one or more sensors
1810. The one
or more sensors 1810 include, but are not limited to, an acceleration sensor
1811, a gyro sensor
1812, a pressure sensor 1813, a fingerprint sensor 1814, an optical sensor
1815, and a proximity
sensor 1816.
[0194] The acceleration sensor 1811 can detect the magnitude of the
acceleration on the three
coordinate axes of the coordinate system established by the terminal. For
example, the
acceleration sensor 1811 can be used to detect components of gravity
acceleration on three
coordinate axes. The processor 1801 can control the touch display screen 1805
to display the
user interface in a landscape view or a portrait view according to the gravity
acceleration signal
collected by the acceleration sensor 1811. The acceleration sensor 1811 can
also be used for the
acquisition of game or user motion data.
[0195] The gyro sensor 1812 can detect the body direction and the rotation
angle of the
terminal, and the gyro sensor 1812 can cooperate with the acceleration sensor
1811 to collect the
user's action on the terminal. Based on the data collected by the gyro sensor
1812, the processor
1801 can implement functions such as motion sensing (such as changing the UI
according to the
user's tilting operation), image stabilization at the time of shooting, game
control, and inertial
navigation.
[0196] The pressure sensor 1813 may be disposed on a side border of the
terminal and/or a
lower layer of the touch display screen 1805. When the pressure sensor 1813 is
disposed on the
side frame of the terminal, the user's holding signal to the terminal can be
detected, and the
processor 1801 performs left and right hand recognition or shortcut operation
according to the
holding signal collected by the pressure sensor 1813. When the pressure sensor
1813 is disposed
on the lower layer of the touch display screen 1805, the processor 1801
controls the operability
control on the UI interface according to the user's pressure on the touch
display screen 1805. The
operability control includes at least one of a button control, a scroll bar
control, an icon control,
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and a menu control.
[0197] The fingerprint sensor 1814 is used to collect the fingerprint of the
user, and the
processor 1801 identifies the identity of the user according to the
fingerprint collected by the
fingerprint sensor 1814, or the fingerprint sensor 1814 identifies the
identity of the user
according to the collected fingerprint. Upon identifying that the user's
identity is a trusted
identity, the processor 1801 authorizes the user to perform related sensitive
operations including
unlocking the screen, viewing encrypted information, downloading software,
paying and
changing settings, and the like. The fingerprint sensor 1814 can be placed on
the front, back or
side of the terminal. The fingerprint sensor 1814 can be integrated with a
physical button or
vendor logo when a physical button or vendor logo is provided on the terminal.
[0198] Optical sensor 1815 is used to collect ambient light intensity. In one
embodiment, the
processor 1801 can control the display brightness of the touch display 1805
based on the ambient
light intensity acquired by the optical sensor 1815. Specifically, when the
ambient light intensity
is high, the display brightness of the touch display screen 1805 is raised;
when the ambient light
intensity is low, the display brightness of the touch display screen 1805 is
lowered. In another
embodiment, the processor 1801 can also dynamically adjust the shooting
parameters of the
camera assembly 1806 based on the ambient light intensity acquired by the
optical sensor 1815.
[0199] Proximity sensor 1816, also referred to as a distance sensor, is
typically disposed on the
front panel of the terminal. Proximity sensor 1816 is used to capture the
distance between the
user and the front of the terminal. In one embodiment, when the proximity
sensor 1816 detects
that the distance between the user and the front of the terminal is gradually
decreasing, the
processor 1801 controls the touch display 1805 to switch from the bright
screen state to the touch
screen state; when the proximity sensor 1816 detects When the distance between
the user and the
front side of the terminal gradually becomes larger, the processor 1801
controls the touch display
screen 1805 to switch from the information screen state to the bright screen
state.
[0200] It will be understood by those skilled in the art that the structure
shown in Figure 18
does not constitute a limitation of the terminal, and may include more or less
components than
those illustrated, or combine some components or adopt different component
arrangements.
[0201] In an embodiment in the example, a computer apparatus is also provided,
the computer
apparatus comprising a processor and a memory, the memory storing at least one
instruction. The
at least one instruction is configured to be executed by one or more
processors to implement the
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payment processing method described above.
[0202] In an exemplary embodiment, there is also provided a computer readable
storage
medium having stored therein at least one instruction, the at least one
instruction implementing
the payment processing described above when executed by a processor of a
computer apparatus
method.
[0203] Alternatively, the above computer readable storage medium may be a ROM,
a random
access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical
data storage
apparatus.
[0204] It should be understood that "a plurality" as referred to herein means
two or more. "And
/ or", describe the association relationship of the associated object, the
table can not exist in two
kinds of relations, for example, six and / or B, can be expressed as: A exists
separately, there are
A and B at the same time, there are three cases of B alone. Characters
generally indicate that the
contextual object is an "or" relationship.
[0205] The foregoing serial numbers of the embodiments of the present
invention are merely
for the description, and do not represent the advantages and disadvantages of
the embodiments.
[0206] The above is only the exemplary embodiments of the present invention,
and is not
intended to limit the present invention. Any modifications, equivalents,
improvements, etc.,
which are within the spirit and scope of the present invention, should be
included in the scope of
the present invention.
CA 3052186 2019-08-15
