CN106651357B - Payment mode recommendation method and device - Google Patents
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- CN106651357B CN106651357B CN201611010209.1A CN201611010209A CN106651357B CN 106651357 B CN106651357 B CN 106651357B CN 201611010209 A CN201611010209 A CN 201611010209A CN 106651357 B CN106651357 B CN 106651357B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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Abstract
The embodiment of the invention provides a payment mode recommendation method and device, wherein the method comprises the following steps: responding to the operation of entering a payment interface by a user, and acquiring attribute information of the user; determining a recommended payment mode corresponding to the user according to the attribute information; and displaying the recommended payment means; wherein the attribute information includes at least one of: the method comprises the steps of accumulating the consumption amount of a user, a channel of the user and the current geographic position of the user, wherein the channel of the user is a downloading channel of an application program used by the user. According to the embodiment of the invention, different payment modes can be recommended for different users according to the actual conditions of the users, so that the shopping experience of the users is improved. In addition, the embodiment of the invention provides payment method recommendation equipment.
Description
Technical Field
The embodiment of the invention relates to the technical field of internet, in particular to a payment mode recommendation method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
The payment is one of the most important basic processes in the online shopping process of the user, the rich third party payment platforms provide various payment modes for each online shopping platform, and when the user performs payment operation in an APP (application program) corresponding to the online shopping platform and located at a user terminal, the online shopping platform recommends a fixed payment mode, such as a payment treasure and a WeChat, which is bound with the online shopping platform in advance, for the user.
In the existing payment mode recommendation method for recommending the fixed payment mode, when the number of payment modes bound by the online shopping platform is large, all the bound payment modes are recommended to the user, which causes the problem of resource waste to a certain extent.
Disclosure of Invention
In addition, the same payment mode is recommended for all users in the same online shopping platform, and the corresponding payment mode cannot be recommended for the user according to the actual condition of the user, so that the shopping experience of the user is poor. Therefore, a payment method recommendation method is highly needed to recommend a proper payment method for a user according to the actual situations of different users, so as to save resources and improve user experience.
In this context, embodiments of the present invention are intended to provide a payment means recommendation method and apparatus.
In a first aspect of an embodiment of the present invention, a payment method recommendation method is provided, including:
responding to the operation of entering a payment interface by a user, and acquiring attribute information of the user;
determining a recommended payment mode corresponding to the user according to the attribute information; and
displaying the recommended payment mode;
wherein the attribute information includes at least one of:
the method comprises the steps of accumulating the consumption amount of a user, a channel of the user and the current geographic position of the user, wherein the channel of the user is a downloading channel of an application program used by the user.
In a second aspect of an embodiment of the present invention, there is provided a payment means recommendation apparatus including:
the acquisition module is used for responding to the operation of entering a payment interface by a user and acquiring the attribute information of the user;
the determining module is used for determining a recommended payment mode corresponding to the user according to the attribute information;
the display module is used for displaying the recommended payment mode;
wherein the attribute information includes at least one of:
the method comprises the steps of accumulating the consumption amount of a user, a channel of the user and the current geographic position of the user, wherein the channel of the user is a downloading channel of an application program used by the user.
In a third aspect of the embodiments of the present invention, a payment method recommendation device is provided, which may include a memory and a processor, where the processor may be configured to read a program in the memory and execute the following processes:
responding to the operation of entering a payment interface by a user, and acquiring attribute information of the user;
determining a recommended payment mode corresponding to the user according to the attribute information; and
displaying the recommended payment mode;
wherein the attribute information includes at least one of:
the method comprises the steps of accumulating the consumption amount of a user, a channel of the user and the current geographic position of the user, wherein the channel of the user is a downloading channel of an application program used by the user.
In a fourth aspect of embodiments of the present invention, there is provided a program product comprising program code for performing, when the program product is run, the following:
responding to the operation of entering a payment interface by a user, and acquiring attribute information of the user;
determining a recommended payment mode corresponding to the user according to the attribute information; and
displaying the recommended payment mode;
wherein the attribute information includes at least one of:
the method comprises the steps of accumulating the consumption amount of a user, a channel of the user and the current geographic position of the user, wherein the channel of the user is a downloading channel of an application program used by the user.
According to the payment mode recommending method and the payment mode recommending equipment, the recommended payment mode corresponding to the user is determined according to at least one item of attribute information in the accumulated consumption amount of the user, the channel of the user and the current geographic position of the user, the corresponding recommended payment mode is recommended to the user, the payment mode can be recommended to the user in a targeted mode instead of recommending all payment modes to the user, so that resources are saved to a certain extent.
Drawings
The above and other objects, features and advantages of exemplary embodiments of the present invention will become readily apparent from the following detailed description read in conjunction with the accompanying drawings. Several embodiments of the invention are illustrated by way of example, and not by way of limitation, in the figures of the accompanying drawings and in which:
FIG. 1 schematically illustrates an application scenario according to an embodiment of the present invention;
fig. 2 schematically shows a flow diagram of a payment means recommendation method according to an embodiment of the present invention;
FIG. 3 is a schematic flow chart illustrating a method for determining a recommended payment method corresponding to a user according to an embodiment of the invention;
FIG. 4 is a schematic flow chart illustrating a method for determining a recommended payment method corresponding to a user according to another embodiment of the invention;
FIG. 5 is a schematic flow chart illustrating a method for determining a recommended payment method corresponding to a user according to another embodiment of the invention;
FIG. 6 is a schematic flow chart illustrating a method for determining a recommended payment method corresponding to a user according to still another embodiment of the invention;
FIG. 7 is a schematic flow chart illustrating a method for determining a recommended payment method corresponding to a user according to a further embodiment of the invention;
FIG. 8 is a flowchart illustrating a method for determining a recommended payment method corresponding to a user according to a further embodiment of the invention;
fig. 9 is a schematic structural diagram of a payment means recommendation apparatus according to an embodiment of the present invention.
In the drawings, the same or corresponding reference numerals indicate the same or corresponding parts.
Detailed Description
The principles and spirit of the present invention will be described with reference to a number of exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
According to the embodiment of the invention, a payment method recommendation method and equipment are provided.
In this document, any number of elements in the drawings is by way of example and not by way of limitation, and any nomenclature is used solely for differentiation and not by way of limitation.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Summary of The Invention
The inventor finds that in the payment mode recommendation method in the prior art, when the number of payment modes bound by the online shopping platform is large, all the bound payment modes are recommended to the user, which causes a problem of resource waste to a certain extent.
Therefore, the invention provides a payment mode recommendation method and equipment, and the method can comprise the following steps: responding to the operation of entering a payment interface by a user, and acquiring attribute information of the user; determining a recommended payment mode corresponding to the user according to the attribute information; and displaying the recommended payment means; wherein the attribute information includes at least one of: the method comprises the steps of accumulating the consumption amount of a user, a channel of the user and the current geographic position of the user, wherein the channel of the user is a downloading channel of an application program used by the user.
Having described the general principles of the invention, various non-limiting embodiments of the invention are described in detail below.
Application scene overview
Referring to fig. 1, as shown in fig. 1, an application scenario diagram of a payment recommendation scheme provided in an embodiment of the present invention includes a user terminal 101 and a server 102, where a user 10 interacts with the server 102 through the user terminal 101, and more specifically, an application client corresponding to an online shopping platform installed in the user terminal 101. More specifically, the user 10 is a user who has registered in the online shopping platform through the application client, the user 10 can use the application client to shop, the user 10 submits a request for entering a payment interface through the application client installed in the user terminal 101, and the application client or the server 102 (a network side server of the online shopping platform) acquires attribute information of the user in response to an operation of the user entering the payment interface; determining a recommended payment mode corresponding to the user according to the attribute information; and displaying the recommended payment means; wherein the attribute information includes at least one of: the method comprises the steps of accumulating the consumption amount of a user, a channel of the user and the current geographic position of the user, wherein the channel of the user is a downloading channel of an application program used by the user. The communication network can be a local area network, a wide area network, etc.; the user terminal 101 may be a portable device (e.g., a mobile phone, a tablet, a notebook Computer, etc.) or a Personal Computer (PC).
Exemplary method
A payment means recommendation method according to an exemplary embodiment of the present invention is described below with reference to fig. 2 to 8 in conjunction with an application scenario of fig. 1. It should be noted that the above application scenarios are merely illustrated for the convenience of understanding the spirit and principles of the present invention, and the embodiments of the present invention are not limited in this respect. Rather, embodiments of the present invention may be applied to any scenario where applicable.
Fig. 2 is a flowchart of an embodiment of a payment method recommendation method provided by the present invention, which mainly includes a process of recommending a payment method to a user, where an execution subject may be the server 102 in an application scene overview, or the user terminal 10 (more specifically, an application client installed in the user terminal), or a part of steps executed by the server, and another part of steps executed by the user terminal. As shown in fig. 2, a payment method recommendation method provided in an embodiment of the present invention includes the following steps:
In this step, the user is a user who has registered in the online shopping platform according to an account and a password, and at this time, the account and the password corresponding to the user can be input in a user terminal side application program (also referred to as an application program client) corresponding to the online shopping platform to perform a shopping operation. When the user selects goods through the application program or needs to perform recharging operation, the operation of entering the payment interface is executed. Responding to the operation of entering the payment interface by the user, and acquiring the attribute information of the user, wherein the attribute information of the user comprises at least one of the following: the method includes the steps that the accumulated consumption amount of the user, the channel of the user and the current geographic position of the user are obtained, wherein the channel of the user is a downloading channel of an application program used by the user, and it needs to be stated that the application program used by the user is an application program of an online shopping platform to which the user is registered on a user terminal side, for example, the user is a user who is registered in the online shopping platform according to an account number and a password, and the application program used by the user is an application program of the online karaoke on the user terminal side.
In specific implementation, the payment method to be recommended for the user is determined according to the attribute information of the user, for example, the payment method supported by the area corresponding to the geographical location is recommended to the user according to the geographical location of the user.
And step 203, displaying the recommended payment mode.
In this step, the recommended payment mode corresponding to the user is displayed for the user to select.
In the embodiment of the invention, the recommended payment mode corresponding to the user is determined according to at least one item of attribute information in the accumulated consumption amount of the user, the channel of the user and the current geographic position of the user, and the recommended payment mode corresponding to the user is displayed to the user, so that the payment mode can be recommended to the user in a targeted manner instead of recommending all payment modes to the user, thereby saving resources to a certain extent, effectively controlling the use amount of each payment mode and achieving the effect of reasonable distribution.
Preferably, in the case that the attribute information includes a channel of the user, according to the content provided in fig. 3, the recommended payment method corresponding to the user is determined according to the attribute information:
In specific implementation, the corresponding relation between the downloading channel of the application program and the payment mode is preset, and the payment mode corresponding to the channel of the user is determined according to the corresponding relation. In practical application, the online shopping platform can be popularized through different channels, so that more users are attracted to download the user terminal side application programs corresponding to the online shopping platform, each channel can correspond to at least one payment mode, for example, if the application programs are popularized through WeChat, the corresponding payment mode is WeChat payment, if the application programs are popularized through Payment treasures, the corresponding payment mode is Payment treasures, and if the application programs are popularized through apple APP store, the corresponding payment mode is applet pay and the like.
In specific implementation, a certain number of payment manners in the payment manners corresponding to the channels of the user can be randomly selected as the recommended payment manners corresponding to the user, and the recommended payment manners corresponding to the user can also be determined according to other manners, which is not limited herein.
In the case that the attribute information of the user only includes the channel of the user, preferably, the recommended payment method corresponding to the user is determined according to the payment method corresponding to the channel of the user in the following manner:
and determining the payment mode corresponding to the channel of the user as the recommended payment mode corresponding to the user.
Preferably, when the attribute information of the user includes a channel of the user and an accumulated consumption amount of the user, the recommended payment method corresponding to the user may be determined according to the payment method corresponding to the channel of the user according to the content provided in fig. 4:
The payment mode corresponding to the amount range to which the accumulated consumption amount of the user belongs can be determined according to the following modes: and determining a payment mode corresponding to the amount range to which the accumulated consumption amount of the user belongs according to the corresponding relation between the preset amount range and the payment mode, wherein the larger the accumulated consumption amount is, the larger the single allowable transaction amount upper limit of the payment mode corresponding to the amount range to which the accumulated consumption amount belongs is. The payment method includes the steps that one amount range at least corresponds to one payment method, for example, the amount range includes 0-100, 101-200 and 201-300, the upper limit of the single allowable transaction amount of a payment method A is 200, the upper limit of the single allowable transaction amount of a payment method B is 300, the upper limit of the single allowable transaction amount of a payment method C is 400, the payment method corresponding to 0-100 is A, the payment method corresponding to 101-200 is B, the payment method corresponding to 201-300 is C, and if the accumulated consumption amount of a user is determined to belong to the amount range 101-200, the payment method corresponding to the amount range of the accumulated consumption amount of the user is B.
In specific implementation, the upper limit of the single allowable transaction amount supported by each payment mode may be different, and when the accumulated consumption amount of the user is larger, a payment mode with a larger single allowable transaction amount can be provided for the user, so that the user can get rid of the limit of the upper limit of the single allowable transaction amount to a certain extent.
Preferably, when the attribute information of the user includes a channel of the user and a current geographic location of the user, the recommended payment method corresponding to the user may be determined according to the payment method corresponding to the channel of the user according to the content provided in fig. 5:
Step 502, determining the payment mode in the intersection as the recommended payment mode corresponding to the user.
In specific implementation, different regions where different geographic locations are located may support different payment methods, or different payment method operators may promote the payment methods in different regions to the utmost, so that the region where the geographic location where the user is located may support the payment method corresponding to the region, where one region supports at least one payment method.
The payment mode corresponding to the current geographic position of the user can be determined according to the following modes: and determining the payment mode corresponding to the current geographical position of the user according to the corresponding relation between the preset geographical position and the payment mode.
Preferably, when the attribute information of the user includes a channel of the user, an accumulated amount of consumption of the user, and a current geographic location of the user, determining a recommended payment method corresponding to the user according to a payment method corresponding to the channel of the user according to the content provided in fig. 6 includes:
The manner of determining the payment manner corresponding to the amount range to which the cumulative consumption amount of the user belongs and the payment manner corresponding to the current geographic location of the user may be as described above, and is not described herein again.
The manner of determining the payment manner corresponding to the channel of the user in fig. 4, 5, and 6 may be determined according to the manner provided in step 301, which is not described herein again.
Preferably, when the attribute information of the user includes the current geographic location of the user, determining the recommended payment method corresponding to the user according to the content provided in fig. 7 and according to the attribute information includes:
Preferably, when the attribute information of the user includes the accumulated amount of consumption of the user, determining the recommended payment method corresponding to the user according to the attribute information according to the content provided in fig. 8 includes:
It should be noted that, when the attribute information of the user includes multiple items, an intersection of the payment manners corresponding to the attribute information of each item is determined, and the payment manner in the intersection is determined as the recommended payment manner corresponding to the user.
Preferably, the recommended payment method is displayed as follows:
and displaying payment modes which belong to a preset payment mode white list and do not belong to a preset payment mode black list in the recommended payment modes at a set position of the payment interface.
The payment modes in the payment mode white list can be recommended to the user, the payment modes in the payment mode black list cannot be recommended to the user, and when the same payment mode is in the payment mode white list and the payment mode black list, the payment mode cannot be recommended to the user.
Preferably, in specific implementation, the default payment methods for all the users and the payment methods corresponding to the attribute information of the users may be determined as the recommended payment methods corresponding to the users.
Exemplary device
Having introduced the payment means recommendation method according to an exemplary embodiment of the present invention, a payment means recommendation apparatus according to an exemplary embodiment of the present invention will be described next with reference to fig. 9.
Fig. 9 is a schematic structural diagram of a payment method recommendation device according to an embodiment of the present invention, as shown in fig. 9, the payment method recommendation device may include the following modules:
an obtaining module 901, configured to obtain attribute information of a user in response to an operation of the user entering a payment interface;
a determining module 902, configured to determine, according to the attribute information, a recommended payment manner corresponding to the user;
a display module 903, configured to display the recommended payment method; wherein the attribute information includes at least one of: the method comprises the steps of accumulating the consumption amount of a user, a channel of the user and the current geographic position of the user, wherein the channel of the user is a downloading channel of an application program used by the user.
Preferably, the determining module 902 includes a first determining unit 9021 and a second determining unit 9022, where in the case that the attribute information includes the channel of the user, the first determining unit 9021 is configured to determine, according to a preset correspondence between the channel and a payment method, a payment method corresponding to the channel of the user;
the second determining unit 9022 is configured to determine, according to the payment method corresponding to the channel of the user, a recommended payment method corresponding to the user.
Preferably, the second determining unit 9022 is specifically configured to:
and determining the payment mode corresponding to the channel of the user as the recommended payment mode corresponding to the user.
Preferably, when the attribute information further includes the cumulative consumption amount of the user, the second determining unit 9022 is specifically configured to:
determining the intersection of the payment mode corresponding to the channel of the user and the payment mode corresponding to the amount range of the accumulated consumption amount of the user;
determining the payment mode in the intersection as a recommended payment mode corresponding to the user;
preferably, the determining module 902 further comprises:
a third determining unit 9023, configured to determine a payment method corresponding to an amount range to which the cumulative consumption amount of the user belongs according to the following method:
and determining a payment mode corresponding to the amount range to which the accumulated consumption amount of the user belongs according to the corresponding relation between the preset amount range and the payment mode, wherein the larger the accumulated consumption amount is, the larger the single allowable transaction amount upper limit of the payment mode corresponding to the amount range to which the accumulated consumption amount belongs is.
Preferably, when the attribute information further includes the current geographic location of the user, the second determining unit 9022 is specifically configured to:
determining the intersection of the payment mode corresponding to the channel of the user and the payment mode corresponding to the current geographic position of the user;
determining the payment mode in the intersection as a recommended payment mode corresponding to the user;
preferably, the determining module 902 further comprises: a fourth determining unit 9024, configured to determine a payment method corresponding to the current geographic location of the user according to the following method:
and determining the payment mode corresponding to the current geographical position of the user according to the corresponding relation between the preset geographical position and the payment mode.
Preferably, the attribute information further includes, under the condition that the accumulated amount of consumption of the user and the current geographic location of the user are included, the second determining unit 9022 is specifically configured to:
determining the intersection of the payment mode corresponding to the channel of the user, the payment mode corresponding to the amount range of the accumulated consumption amount of the user and the payment mode corresponding to the current geographic position of the user;
and determining the payment mode in the intersection as the recommended payment mode corresponding to the user.
Preferably, the third determining unit 9023 is configured to determine a payment method corresponding to an amount range to which the cumulative consumption amount of the user belongs according to the following method:
determining a payment mode corresponding to an amount range to which the accumulated consumption amount of the user belongs according to a corresponding relation between a preset amount range and the payment mode, wherein the larger the accumulated consumption amount is, the larger the single allowable transaction amount upper limit of the payment mode corresponding to the amount range to which the accumulated consumption amount belongs is;
the fourth determining unit 9024 is configured to determine a payment method corresponding to the current geographic location of the user according to the following method:
and determining the payment mode corresponding to the current geographical position of the user according to the corresponding relation between the preset geographical position and the payment mode.
Preferably, when the attribute information includes the current geographic location of the user, the determining module 902 further includes:
the fifth determining unit 9025 is configured to determine the payment method corresponding to the current geographic location of the user as the recommended payment method corresponding to the user.
Preferably, the display module 903 is specifically configured to:
and displaying payment modes which belong to a preset payment mode white list and do not belong to a preset payment mode black list in the recommended payment modes at a set position of the payment interface.
Preferably, the display module 903 is further configured to:
and displaying a default payment mode corresponding to the application program used by the user at a set position of the payment interface.
It should be noted that although several modules of the device are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
Moreover, while the operations of the method of the invention are depicted in the drawings in a particular order, this does not require or imply that the operations must be performed in this particular order, or that all of the illustrated operations must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
While the spirit and principles of the invention have been described with reference to several particular embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, nor is the division of aspects, which is for convenience only as the features in such aspects may not be combined to benefit. The invention is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (7)
1. A payment method recommendation method comprises the following steps:
responding to the operation of entering a payment interface by a user, and acquiring attribute information of the user;
determining a recommended payment mode corresponding to the user according to the attribute information; the method comprises the following steps:
when the attribute information comprises the accumulated consumption amount of the user, the channel of the user and the current geographical position of the user, determining the intersection of the payment mode corresponding to the channel of the user, the payment mode corresponding to the amount range to which the accumulated consumption amount of the user belongs and the payment mode corresponding to the current geographical position of the user;
determining the payment mode in the intersection as a recommended payment mode corresponding to the user;
determining a payment mode corresponding to an amount range to which the accumulated consumption amount of the user belongs according to the following mode:
determining a payment mode corresponding to an amount range to which the accumulated consumption amount of the user belongs according to a corresponding relation between a preset amount range and the payment mode, wherein the larger the accumulated consumption amount is, the larger the single allowable transaction amount upper limit of the payment mode corresponding to the amount range to which the accumulated consumption amount belongs is;
determining a payment mode corresponding to the current geographic position of the user according to the following modes:
determining a payment mode corresponding to the current geographical position of the user according to the corresponding relation between the preset geographical position and the payment mode;
determining a payment mode corresponding to the channel of the user according to the following modes:
determining a payment mode corresponding to a channel of the user according to a corresponding relation between a preset channel and the payment mode;
and
the recommended payment means is displayed and the payment means is displayed,
the recommended payment mode is displayed, wherein the recommended payment mode comprises a payment mode which belongs to a preset payment mode white list and does not belong to a preset payment mode black list in the recommended payment modes and is displayed at a set position of the payment interface, a default payment mode corresponding to an application program used by the user is also displayed at the set position of the payment interface, and when the recommended payment mode is in both the payment mode white list and the payment mode black list, the recommended payment mode is not displayed.
2. The method of claim 1, wherein, when the attribute information includes the accumulated amount of consumption of the user and the channel of the user, the determining the recommended payment method corresponding to the user according to the attribute information includes:
determining the intersection of the payment mode corresponding to the channel of the user and the payment mode corresponding to the amount range of the accumulated consumption amount of the user;
and determining the payment mode in the intersection as the recommended payment mode corresponding to the user.
3. The method of claim 1, wherein, when the attribute information includes the current geographic location of the user and the channel of the user, the determining, according to the attribute information, the recommended payment method corresponding to the user includes:
determining the intersection of the payment mode corresponding to the channel of the user and the payment mode corresponding to the current geographic position of the user;
and determining the payment mode in the intersection as the recommended payment mode corresponding to the user.
4. A payment means recommendation device comprising:
the acquisition module is used for responding to the operation of entering a payment interface by a user and acquiring the attribute information of the user;
the determining module is used for determining a recommended payment mode corresponding to the user according to the attribute information; the determining module further comprises:
the first determining unit is used for determining a payment mode corresponding to the channel of the user according to the following modes:
determining a payment mode corresponding to a channel of the user according to a corresponding relation between a preset channel and the payment mode;
the second determining unit is used for determining the intersection of the payment mode corresponding to the channel of the user, the payment mode corresponding to the amount range to which the accumulated consumption amount of the user belongs and the payment mode corresponding to the current geographical position of the user when the attribute information comprises the accumulated consumption amount of the user, the channel of the user and the current geographical position of the user;
determining the payment mode in the intersection as a recommended payment mode corresponding to the user;
the determining module further comprises:
a third determining unit, configured to determine a payment method corresponding to an amount range to which the cumulative consumption amount of the user belongs according to the following method:
determining a payment mode corresponding to an amount range to which the accumulated consumption amount of the user belongs according to a corresponding relation between a preset amount range and the payment mode, wherein the larger the accumulated consumption amount is, the larger the single allowable transaction amount upper limit of the payment mode corresponding to the amount range to which the accumulated consumption amount belongs is;
the determining module further comprises:
a fourth determining unit, configured to determine a payment method corresponding to the current geographic location of the user according to the following method:
determining a payment mode corresponding to the current geographical position of the user according to the corresponding relation between the preset geographical position and the payment mode;
a display module for displaying the recommended payment means,
the display module is specifically configured to display, at a set position of the payment interface, a payment method that belongs to a preset payment method white list and does not belong to a preset payment method blacklist in the recommended payment methods, and is specifically configured to display, at the set position of the payment interface, a default payment method corresponding to an application program used by the user, where the recommended payment method is not displayed when the recommended payment method is in both the payment method white list and the payment method blacklist.
5. The apparatus of claim 4, wherein, in the case where the attribute information includes a cumulative consumption amount of the user and a channel of the user, the second determining unit is further configured to:
determining the intersection of the payment mode corresponding to the channel of the user and the payment mode corresponding to the amount range of the accumulated consumption amount of the user;
and determining the payment mode in the intersection as the recommended payment mode corresponding to the user.
6. The apparatus of claim 4, wherein, in the case that the attribute information includes a current geographic location of the user and a channel of the user, the second determining unit is further configured to:
determining the intersection of the payment mode corresponding to the channel of the user and the payment mode corresponding to the current geographic position of the user;
and determining the payment mode in the intersection as the recommended payment mode corresponding to the user.
7. A payment means recommendation device comprising a memory and a processor, wherein the processor is configured to read a program in the memory and execute the following processes:
responding to the operation of entering a payment interface by a user, and acquiring attribute information of the user;
determining a recommended payment mode corresponding to the user according to the attribute information; the method comprises the following steps:
when the attribute information comprises the accumulated consumption amount of the user, the channel of the user and the current geographical position of the user, determining the intersection of the payment mode corresponding to the channel of the user, the payment mode corresponding to the amount range to which the accumulated consumption amount of the user belongs and the payment mode corresponding to the current geographical position of the user;
determining the payment mode in the intersection as a recommended payment mode corresponding to the user;
determining a payment mode corresponding to an amount range to which the accumulated consumption amount of the user belongs according to the following mode:
determining a payment mode corresponding to an amount range to which the accumulated consumption amount of the user belongs according to a corresponding relation between a preset amount range and the payment mode, wherein the larger the accumulated consumption amount is, the larger the single allowable transaction amount upper limit of the payment mode corresponding to the amount range to which the accumulated consumption amount belongs is;
determining a payment mode corresponding to the current geographic position of the user according to the following modes:
determining a payment mode corresponding to the current geographical position of the user according to the corresponding relation between the preset geographical position and the payment mode;
determining a payment mode corresponding to the channel of the user according to the following modes:
determining a payment mode corresponding to a channel of the user according to a corresponding relation between a preset channel and the payment mode;
and
displaying the recommended payment mode;
the recommended payment mode is displayed, wherein the recommended payment mode comprises a payment mode which belongs to a preset payment mode white list and does not belong to a preset payment mode black list in the recommended payment modes and is displayed at a set position of the payment interface, a default payment mode corresponding to an application program used by the user is also displayed at the set position of the payment interface, and when the recommended payment mode is in both the payment mode white list and the payment mode black list, the recommended payment mode is not displayed.
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| CN107818467A (en) * | 2017-09-08 | 2018-03-20 | 深圳市金立通信设备有限公司 | A kind of method of payment and terminal |
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| CN108734460A (en) * | 2018-04-02 | 2018-11-02 | 阿里巴巴集团控股有限公司 | A kind of means of payment recommends method, apparatus and equipment |
| CN109146451A (en) * | 2018-07-05 | 2019-01-04 | 麒麟合盛网络技术股份有限公司 | A kind of channel of disbursement recommended method and device |
| CN109191089B (en) * | 2018-07-23 | 2021-05-25 | 福建天泉教育科技有限公司 | Mobile terminal payment mode adapting method and system thereof |
| CN109191133B (en) * | 2018-08-22 | 2023-04-28 | 平安普惠企业管理有限公司 | Payment channel selection method and terminal equipment |
| CN109255606A (en) * | 2018-08-31 | 2019-01-22 | 阿里巴巴集团控股有限公司 | Default recommended method, device and the payment terminal of the means of payment |
| CN110874737B (en) * | 2018-09-03 | 2024-06-18 | 京东科技控股股份有限公司 | Payment mode recommendation method and device, electronic equipment and storage medium |
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