CN120634545A - Payment method, electronic device, and communication system - Google Patents

Abstract

The embodiment of the application provides a payment method, electronic equipment and a communication system. The agent may obtain authorization for multiple shopping applications at the payment side and then proxy the shopping applications at the payment side for collection. The agent may also obtain payment authorization of the user at the payment side and then proxy the user for payment at the payment side. Wherein the payment side may include a plurality of payment applications and servers thereof. Therefore, after receiving the user instruction for purchasing the commodity, the intelligent agent can autonomously create the order, complete the payment of the order and feed back the payment result to the user, so that full-flow automation is realized, and the user experience is improved.

Description

Payment method, electronic device and communication system

Technical Field

The present application relates to the field of electronic technologies, and in particular, to a payment method, an electronic device, and a communication system.

Background

Currently, with the development of artificial intelligence technology, some applications or functions on electronic devices, such as voice assistant applications, can automatically help users to complete various tasks, such as voice ordering, voice taxi taking, and the like, according to user instructions. However, these applications or functions still have breakpoints in the payment link, which cannot automatically assist the user in completing the payment.

Disclosure of Invention

The embodiment of the application provides a payment method, electronic equipment and a communication system, wherein an agent can acquire the authorization of a plurality of shopping applications at a payment side and then proxy the shopping applications at the payment side to collect money. The agent may also obtain payment authorization of the user at the payment side and then proxy the user for payment at the payment side. Wherein the payment side may include a plurality of payment applications and servers thereof. Therefore, after receiving the user instruction for purchasing the commodity, the intelligent agent can autonomously create the order, complete the payment of the order and feed back the payment result to the user, so that full-flow automation is realized, and the user experience is improved.

In a first aspect, an embodiment of the present application provides a payment method, which is applied to an electronic device. A first application may be included on the electronic device. The first application may be deployed with an agent or may invoke an agent. One or more payment applications and one or more shopping applications may also be included on the electronic device. Wherein a payment application may refer to an application or platform that provides payment services. The shopping application may be an application or platform that provides online shopping services for users. The one or more payment applications may include a first payment application. The one or more shopping applications may include a first shopping application.

The payment method may include first, the electronic device may receive, via a first application, a first user instruction to purchase a first item. The electronic device may then send an order request to the first shopping application for requesting purchase of the first item via the first application in response to the first user instruction. The electronic device may generate a first order for purchasing the first merchandise in response to the order placing request through the first shopping application and send information of the first order to the first application. Finally, after the electronic device receives the information of the first order through the first application, the payment of the first order can be completed.

The first user instruction may be a voice instruction, a text instruction, a picture instruction, an action instruction, or the like. The first user instruction may include information of the first merchandise including, but not limited to, one or more of a name of the first merchandise, a merchandise specification, a quantity, and the like. The order request may include information for the first merchandise. The information of the first commodity may include, but is not limited to, the name, specification, quantity, etc. of the first commodity.

Through the payment method provided by the application, the user can input the user instruction for purchasing the commodity through the intelligent agent, then the user can check the order information through the intelligent agent and complete payment, and the user operation steps and the interface jump flow are reduced, so that the disturbance to the user can be reduced, and the use experience of the user is improved.

In combination with the first aspect, in some embodiments, after the electronic device receives the information of the first order through the first application, the method for completing payment of the first order may specifically include sending, by the electronic device, a payment request for requesting payment of the first order to the first payment application through the first application after the electronic device receives the information of the first order through the first application. The electronic device may then complete payment of the first order in response to the payment request through the first payment application.

With reference to the first aspect, in some embodiments, the first user instruction is for immediate purchase of the first merchandise.

In combination with the first aspect, in some embodiments, after the electronic device receives the information of the first order through the first application, the method for completing payment of the first order may specifically include sending, by the electronic device, a first order payment request to a server of the first payment application through the first application, the first order payment request for requesting the server of the first payment application to pay the first order. The electronic device may then receive a payment first message from a server of a first payment application indicating that the first order has been completed.

With reference to the first aspect, in some embodiments, the first user instruction may be for a timed purchase of the first item.

With reference to the first aspect, in some embodiments, the payment request may include a payment token. The payment token may be a credential for the user to authorize the first application agent to make a payment in the first payment application and its server for supporting the first application agent user to make a payment interaction with the first payment application or its server. The payment token may take a variety of forms, for example, the payment token may be a server-generated string of unique identifiers of the first payment application, and so on. After the first payment application or the server thereof receives the payment token sent by the first application, the user identity can be determined according to the payment token, and then the payment is completed.

With reference to the first aspect, in some embodiments, the electronic device may obtain the payment token through the first application.

In combination with the first aspect, in some embodiments, the method for acquiring the payment token by the electronic device through the first application may specifically include the electronic device displaying a first user interface through the first payment application, where the first user interface is used for prompting a user to input authentication information. The electronic device may receive first authentication information at a first user interface. The electronic device then receives, via the first application, a verification result from the first payment application indicating that the first authentication information was verified. After the verification is passed, the electronic device may send a second authorization request for requesting a payment token to a server of the first payment application through the first application, and then receive the payment token from the server of the first payment application through the first application.

In combination with the first aspect, in some embodiments, before the electronic device displays the first user interface through the first payment application, the electronic device may further include sending, by the first application, a first authorization request to a server of the first payment application, and the electronic device may receive, by the first application, a first authorization identification from the server of the first payment application.

With reference to the first aspect, in some embodiments, the payment token may include a first payment token. The first payment token is obtained by the electronic device through the first application prior to receiving the first user instruction. The first payment token may correspond to a first authorization amount. Before sending the payment request, if the first order is detected by the first application to be less than the first authorized amount, the payment request includes a first payment token.

In combination with the first aspect, in some embodiments, the payment token may include a second payment token, the second payment token being obtained after receiving the first user instruction by the first application. Before sending the payment request, if the first application detects that the first order is greater than the first authorized amount, or the first user instruction includes a preset amount, the payment request includes a second payment token. The second authorization amount corresponding to the second payment token is the amount of the first order or a preset amount.

With reference to the first aspect, in some embodiments, the first payment token expires after the first authorization-to-use period has ended.

With reference to the first aspect, in some embodiments, the second payment token is invalidated after the number of uses reaches a preset number of uses or the second authorization-to-use period ends.

With reference to the first aspect, in some embodiments, the method further comprises the electronic device receiving, by the first application, a third instruction. In response to the third user instruction, the electronic device displays, via the first application, one or more of an authorization time, an authorization-to-live period, an authorization amount, and a corresponding payment application of the payment token. In this way, the user can comprehensively and intuitively know and manage the authorization status of the payment token.

In combination with the first aspect, in some embodiments, before the electronic device receives the first user instruction through the first application, the method further includes sending, by the electronic device, first registration information to a server of the first payment application through the first application. The electronic device sends the second registration information to a server of the first payment application through the first shopping application. The first shopping application integrates shopping information of one or more merchants, and the second registration information may include registration information of the one or more merchants.

In combination with the first aspect, in some embodiments, after the electronic device receives the information of the first order through the first application, the method further includes displaying the information of the first order through the first application by the electronic device. Therefore, the user can know the order state and the order details in real time, and the user experience is improved.

In combination with the first aspect, in some embodiments, after the electronic device receives the information of the first order through the first application and completes payment of the first order, the electronic device further includes outputting, through the first application, first prompt information, where the first prompt information is used to prompt a user that payment of the first order has been completed. Thus, the user can know the payment state of the order in real time, and the user experience is improved.

In combination with the first aspect, in some embodiments, after the electronic device receives the information of the first order through the first application and before completing payment of the first order, the electronic device further includes outputting, by the first payment application, second prompt information, where the second prompt information is used to prompt a user to perform risk verification.

With reference to the first aspect, in some embodiments, after sending the payment request, the electronic device further includes receiving a fourth user instruction, where the fourth user instruction is used to confirm payment of the first order. In this way, the user can be allowed to decide autonomously whether to actually perform the payment operation. The user can send out the instruction for confirming the payment again under the conditions of confirming the order information without errors, proper fund conditions and the like, so that the payment safety is enhanced, and the user experience is improved.

In combination with the first aspect, in some embodiments, the first application may be a voice assistant application.

In a second aspect, an embodiment of the present application provides an electronic device, which may include a memory and a processor. Wherein the memory may have stored thereon a computer program which, when executed by the processor, performs a method as described in the first aspect and any possible implementation of the first aspect.

In a third aspect, an embodiment of the present application provides a communication system, which may include an electronic device and a server, where the electronic device may be an electronic device in the first aspect and any possible implementation manner of the first aspect, and the server may be a server in the first aspect and any possible implementation manner of the first aspect.

In a fourth aspect, embodiments of the present application provide a computer readable storage medium having stored thereon a computer program which, when executed by a processor, is capable of performing a method as described in the first aspect and any possible implementation of the first aspect.

In a fifth aspect, embodiments of the present application provide a computer program product which, when executed by a processor, is capable of performing a method as described in the first aspect and any one of the possible implementations of the first aspect.

In a sixth aspect, embodiments of the present application provide a chip system for application to an electronic device, the chip system comprising one or more processors for invoking a computer program to cause the electronic device to perform a method as described in the first aspect and any possible implementation of the first aspect.

Drawings

In order to more clearly describe the embodiments of the present application or the technical solutions in the background art, the following description will describe the drawings that are required to be used in the embodiments of the present application or the background art.

FIG. 1 illustrates an interactive flow of an agent assisting a user in implementing a checklist;

FIG. 2 illustrates a method of secure payment-free;

FIG. 3 illustrates a method of an agent assisting a user in completing a payment;

FIG. 4 illustrates a system architecture implementing the payment method provided by embodiments of the present application;

FIG. 5 illustrates an interactive flow of a payment method provided by an embodiment of the present application;

Fig. 6 illustrates an implementation flow of a payment method provided by an embodiment of the present application;

FIG. 7 illustrates a flow of a payment token for a first application corresponding to a first payment application;

FIG. 8 illustrates a first user interface provided by an embodiment of the application;

FIG. 9 illustrates a user interface for displaying authorization records;

fig. 10 exemplarily shows a flow of the first embodiment;

FIG. 11 illustrates two user interfaces for prompting a user to confirm payment for a first order;

fig. 12 exemplarily shows a flow of the second embodiment;

FIG. 13 is an interactive schematic diagram of a payment method provided in embodiment two;

fig. 14 schematically illustrates an electronic device 100 provided by an embodiment of the present application;

Fig. 15 exemplarily illustrates a server 200 provided by an embodiment of the present application;

Fig. 16 illustrates a communication system 300 provided by an embodiment of the present application.

Detailed Description

The terminology used in the following embodiments of the application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application.

In an embodiment of the application, the electronic device may include a first application thereon. The first application may integrate the Agent (ARTIFICIAL INTELLIGENCE AGENT, AI Agent), or may call the Agent.

The intelligent entity is an intelligent entity capable of autonomously sensing environment, independently deciding and executing tasks, and has autonomy, adaptability and interaction capability. The AI Agent deeply couples the cognitive ability of the large language model (Large language model, LLM) with the tool calling ability, and realizes the automatic processing of the task through a 'perception-planning-action' closed loop, so that the AI Agent not only can answer the questions, but also can actively complete a series of tasks.

The agent may include a memory module, a tool module, and a behavior module.

The memory module may be responsible for storing and/or organizing the acquired information to assist in driving agent decisions. The tool module is used for realizing the calling of the tool, and is a final execution body of the decision, and the tool called by the tool module can be outside the intelligent agent or inside the intelligent agent. The action module is capable of converting the agent's plan into specific actions. In some cases, the action output by the action module includes invoking a tool, at which point the action module can utilize the tool module to effect invocation of the tool.

The agent may be software, hardware or a system. The agent may be deployed on an electronic device that may integrate hardware and computing resources such that the agent is able to perceive the environment, process data, make decisions, and take corresponding actions in real time.

In an embodiment of the application, one or more shopping applications may be included on the electronic device.

The shopping application may be a software program running on an electronic device such as a smart phone, tablet computer, or the like. Each shopping application may have a corresponding server. The shopping application on the electronic device and the server of the shopping application may together provide an online shopping experience for the user, enabling the user to browse, select and purchase goods or services on the electronic device.

In an embodiment of the application, one or more payment applications may also be included on the electronic device. A payment application may refer to an application or platform that provides payment services. Each payment application may have a corresponding server. The payment application and the server of the payment application can jointly support the user to make electronic payment, and can be responsible for processing core functions such as payment transaction, fund clearing, risk management and the like. The payment applications may include mobile payment applications, online payment gateways, bank payment applications, third party paymate, and the like.

The first application, the shopping application, the payment application, and the server of the shopping application and the server of the payment application on the electronic device may together perform the function of payment.

The method for assisting the user to realize the ordering is introduced first.

An agent on the electronic device may receive a user instruction entered by a user to purchase a good. Then, the agent can analyze the user instruction by utilizing the natural language capability of the large language model, and determine key information in the user instruction, such as shop name, commodity name and the like. The agent may then orchestrate the tasks to be performed based on the key information, i.e., opening a corresponding shopping application on the electronic device, then searching for goods in the shopping application and creating an order for purchasing the goods in the shopping application.

Fig. 1 illustrates an interactive flow of an agent assisting a user in implementing a point form.

The interactive flow shown in fig. 1 may include three links, a receive instruction link, a click link, and a payment link.

Where (a) in fig. 1 may correspond to a received instruction link. As shown in fig. 1 (a), the agent may receive a voice command of "please help me buy commodity a" through voice interaction.

The (b) - (e) in fig. 1 may correspond to dot-single ring joints. In the order link, the agent can look up and open shopping application a on the electronic device that is available for purchasing item a. The agent may simulate the user's operation in shopping application a to quickly generate an order for purchasing item a, such as searching for and selecting item a in the interface shown in fig. 1 (c), selecting the specification of item a in the interface shown in fig. 1 (d), filling in the shipping address in the interface shown in fig. 1 (e) and clicking on the "submit order" button, etc. The agent can create an order a1 for purchasing the commodity a in the shopping application a by simulating the user operation, and then can enter the payment link. For example, the agent simulates the user clicking on the "submit order" button and then entering the payment link.

Fig. 1 (f) may correspond to a payment link. In the payment link, the agent no longer participates in the interaction, but is manually operated by the user to trigger payment of the order. For example, the user may click "confirm payment" on the payment interface of payment application B shown in fig. 1 (f), and then trigger payment order a1. In some embodiments, to reduce the disruption to the user, payment of the order may be accomplished by a pay-as-you-go method.

Fig. 2 illustrates a method of secure payment free.

As shown in fig. 2, this method of secure payment may include a subscription phase and a payment phase. The signing phase may specifically include the following steps:

1. shopping application A requests that the server of shopping application A create a subscription order.

2. The server of shopping application a invokes the server pre-sign-up interface of payment application B.

3. The server of payment application B returns the pre-sign to the server of shopping application a (preSignNo).

4. The shopping application A server builds subscription parameters (contractStr) and returns to shopping application A.

5. Shopping application A calls the formal signing interface to pull up the signing cash desk through contractStr.

6. The payment application B displays the subscription related information through the subscription checkout.

7. And the user signs up at the payment application B to finish signing up operation.

8. The server of payment application B handles the subscription.

9. And after the server of the payment application B accepts the successful signing, returning a signing result to the payment application B.

10. Payment application B shows a subscription results page.

11. After the user closes the signing result page, the payment application B returns the signing result to the shopping application A.

12. The server of shopping application a may pass a callback interface address when invoking the pre-sign-up interface of the server of payment application B. After the signing operation is completed, the server of the payment application B can asynchronously notify the signing result to the server of the shopping application A through the callback interface.

The payment phase may be entered upon completion of the subscription. In the payment stage, the server of the shopping application A can directly call a secret payment-free interface of the server of the payment application B to finish the deduction service, and the server of the payment application B can return a secret payment-free application result to the server of the shopping application A. After the server of the payment application B processes the payment deduction without secret payment successfully, the callback interface address transmitted by the server of the shopping application A when the server requests the payment without secret payment interface can be called, and the payment result is notified to the server of the shopping application A asynchronously.

In the methods shown in fig. 1 and 2, since the payment application does not provide an open interface to the agent, the agent can only assist the user in opening the shopping application, generating an order in the shopping application, and cannot assist the user in completing the payment of the order in the payment application. Therefore, after the user inputs a user instruction for purchasing a certain commodity to the agent, a manual operation is still required in the payment link to complete the final order payment.

In the method for assisting the user to realize the order by the agent shown in fig. 1, after the user inputs the instruction through the agent, the interface on the electronic device performs multiple interface hops, including but not limited to, the interface corresponding to the agent hops to the interface of the shopping application, the hops among multiple interfaces of the shopping application, and the interface of the shopping application hops to the payment interface. The skip display in the interface can cause the waste of power consumption of the electronic equipment, also causes redundancy and long time consumption of the point-to-single process, and brings bad experience for users.

With the development of agent technology, some technicians propose new agents to assist users in achieving payment. A method for the agent to assist the user in completing the payment is described below.

Fig. 3 illustrates a method for an agent to assist a user in completing a payment.

In the method shown in fig. 3, the agent may be integrated with shopping functions. That is, the agent may take the role of a shopping application, sell goods or services to users, and may generate and collect orders. For example, agent a may be a poetry creation assistant that creates poetry according to user instructions and then generates payment orders for this poetry creation. Further, the agent may interact with the payment application's server through a series of open interfaces to complete payment of the order. As shown in fig. 3, the agent may send a payment request to a server of the payment application according to the generated order. The payment link may be returned to the agent after the payment request is received by the server of the payment application. The agent may jump to the payment interface via the payment link to complete the payment. And finally, the server of the payment application returns a payment result to the agent.

In the payment method shown in fig. 3, however, different agents may provide different shopping functions or services. An agent can only effect payment of orders related to shopping functions provided by the agent. For example, agent a may be a poetry authoring singer for providing poetry authoring services to users and collecting money. Agent B may be a ticket booking assistant that may assist the user in booking and collecting tickets, etc. Thus, one agent in the manner shown in FIG. 3 is not able to assist the user in achieving ordering and payment associated with multiple shopping applications, and has high limitations.

The embodiment of the application provides a payment method, electronic equipment and a communication system.

The following first describes a system architecture for implementing the payment method provided by the embodiment of the present application.

Fig. 4 illustrates a system architecture for implementing the payment method provided by the embodiment of the present application.

As shown in fig. 4, the system architecture may include a user side, a merchant side, a payment side, and an agent.

The user side may include a user. The user may be authorized as a payment agent to perform the relevant payment operations at the payment side, e.g., the agent accesses the user's payment information, sends a payment request to the payment application at the payment side, etc. The details of the user's authorization of the agent to perform the payment operation will be described in detail below and will not be further elaborated herein.

The merchant side may include one or more shopping applications, such as shopping application A, shopping application B, shopping application C, and the like, as shown in FIG. 4. The shopping application at the merchant side serves as a collection subject, and an authorization relationship with the intelligent agent can be established at the payment side. The shopping application on the merchant side can send information of an order to be paid to the agent, then the agent sends a payment request for the order to the payment side, and the payment side completes the collection of the order instead of the shopping application.

The payment side may include a plurality of payment applications and servers thereof, such as the payment application 1 and server 1 thereof, the payment application 2 and server 2 thereof, the payment application 3 and server 3 thereof, and the like as shown in fig. 4.

The agent acts as an intermediary in the system architecture shown in fig. 4, and can establish contact between a plurality of shopping applications on the merchant side and a plurality of payment applications on the payment side and servers thereof. In the embodiment of the application, both the shopping application and the agent can register on the server of the payment application on the payment side, and then the agent can collect money on the payment application and the server thereof by proxy of the registered shopping application. For example, the agent may register in the server of the payment application 1 on the payment side, and the shopping application a, shopping application B, and shopping application C on the merchant side may register in the server of the payment application 1, so that the agent may collect money on the payment application 1 and its server instead of the registered shopping application a, shopping application B, and shopping application C. It is understood that the agent, after registering on the server of the payment application, may act as the largest acquiring merchant to collect funds using the payment application. The agent may act as the payee for all orders and then deliver the amount of the received order to the corresponding shopping application or the corresponding acquiring merchant entity in the shopping application.

Thus, by the payment method provided by the embodiment of the application, the agent can acquire the authorization of a plurality of shopping applications on the payment side and then collect money by proxy shopping applications on the payment side. The agent may also obtain authorization of the user at the payment side and then proxy the user for payment at the payment side. Wherein the payment side may include a plurality of payment applications and servers thereof. Therefore, after receiving the user instruction for purchasing the commodity, the intelligent agent can autonomously create the order, complete the payment of the order and feed back the payment result to the user, so that full-flow automation is realized, and the user experience is improved.

Fig. 5 illustrates an interaction flow of the payment method provided by the embodiment of the application.

As shown in fig. 5 (a), the electronic device may receive a user instruction "please buy me ice cream" through the agent, and display the user instruction through the agent. Then, as shown in (b) of fig. 5, in response to the received user instruction, the electronic device may continue to display a prompt text of "generate order for you" in the dialogue interface of the agent, prompting the user that an order for purchasing a specified commodity (i.e., a cup of ice america) has been generated. The electronic device may also display information of the order through the agent in a dialogue interface including, but not limited to, a picture, name, size, quantity of merchandise purchased by the order, and amount of the order, among others. Finally, the electronic device may display prompt information such as "payment for order completed", "buy one cup of ice for you", in the dialogue interface of the agent shown in fig. 5 (c), prompting the user that payment for order has been completed.

Therefore, according to the payment method provided by the embodiment of the application, the user can input the user instruction for purchasing the commodity through the intelligent agent, then the user can check the order information through the intelligent agent and complete payment, and the user operation steps and the interface jump flow are reduced, so that the disturbance to the user can be reduced, and the use experience of the user is improved.

Fig. 5 is merely an exemplary description of an interaction flow of a payment method provided in an embodiment of the present application, which is not limited thereto. For example, in some embodiments, the electronic device may also display the process of ordering the merchandise through the shopping application, display a payment page through the payment application and return to the agent's dialogue interface after payment is completed, and so on.

The implementation flow of the payment method provided by the embodiment of the application is described below.

Fig. 6 illustrates an implementation flow of the payment method provided by the embodiment of the application. The following are developed:

s101, the electronic equipment receives a first user instruction through a first application, wherein the first user instruction is used for purchasing a first commodity.

The first application is an agent application, i.e. the first application may be deployed with an agent or may invoke an agent.

In some embodiments, the first application may be a voice assistant application. The first application can provide a voice interaction function for the user, for example, the first application can preset a wake-up instruction, and when the electronic equipment detects the wake-up instruction input by the user, the first application can be woken up, then performs voice interaction with the user and receives the first user instruction.

The first user instruction is a request or operation issued by a user to the first application for triggering purchase of the first merchandise. The first user instruction may be a voice instruction, a text instruction, a picture instruction, an action instruction, or the like. The first user instruction may include information of the first merchandise including, but not limited to, one or more of a name of the first merchandise, a merchandise specification, a quantity, and the like. The first application may determine the first commodity based on the information of the first commodity. For example, the first user instruction may be "help me buy ice america with a large cup", whereby the name of the first commodity may be determined as ice america, the specification of the first commodity as large cup, and the number of the first commodity as one cup.

The first commodity can be a physical commodity, a virtual commodity, a service or a function and the like.

In some embodiments, the first user instruction may be a single user instruction. For example, the electronic device may receive a user instruction through the first application to "please help me buy a large cup of ice. In this case, the electronic device may parse, from the above one user instruction, that the first commodity that the user intends to purchase is "ice American style of one cup" through the first application.

In some embodiments, the first user instruction may also be a plurality of user instructions, which may be used to refine the user's shopping intent, collectively reflecting the user's intent to purchase the first merchandise. For example, the electronic device may first receive a user instruction via the first application to "please help me purchase a cup of coffee". At this time, the electronic device cannot determine specific information of the first commodity that the user intends to purchase according to the received one user instruction, or cannot determine the first commodity that the user intends to purchase. To further clarify the user's intent to purchase, the electronic device may direct the user to enter more user instructions through the first application. For example, the electronic device may continue to output prompts to the user through the first application, "what taste coffee you want to purchase. The electronic device may then further receive one or more user instructions, such as "ice america", "mug". According to the above-mentioned multiple user instructions, the electronic device may determine, through the first application, that the first commodity that the user intends to purchase is "ice American style with one cup". That is, the electronic device may direct the user to enter a plurality of user instructions via the first application to obtain further purchase information including, but not limited to, the first merchandise's specifications, the time of purchase, the harvest address, etc.

In other embodiments, the first user instruction may include information for the first commodity, e.g., the first user instruction may be "please help me purchase coffee". At this time, the first application may determine the first commodity according to the specific rule, or the first application may transmit information (such as "coffee") related to the commodity in the first user instruction to the shopping application, and the shopping application determines that the first commodity is the first commodity according to the information related to the commodity in the received first user instruction and the specific rule. For example, the first application may determine "ice American" that the user frequently purchases as the first merchandise, and so on, based on "coffee" in the first user instructions, in conjunction with historical user instructions.

S102, the electronic equipment responds to a first user instruction through a first application and sends an ordering request to the first shopping application, wherein the ordering request is used for requesting to purchase a first commodity.

The first shopping application is a shopping application for purchasing a first item.

The electronic device may determine, via the first application, a first shopping application according to the first user instruction.

In some embodiments, the first user instruction may include information indicating the first shopping application, such as a name of the first shopping application, or the like. The electronic device may parse a name of the first shopping application from the first user instruction through the first application, and determine the first shopping application according to the name of the first shopping application. For example, the first user instruction may be exemplified by "please purchase a cup of ice in shopping application a", and the electronic device may determine that the first shopping application is shopping application a through the first application.

In other embodiments, the first user instruction may not include information indicating the first shopping application. The electronic device may query, via the first application, one or more shopping applications on the electronic device that may be used to purchase the first item. If only one shopping application is queried for purchasing the first commodity, the queried one shopping application can be used as the first shopping application. If the number of the queried shopping applications for purchasing the first commodity is multiple, the electronic device may prompt the user to select the first shopping application from the queried multiple shopping applications through the first application, or the electronic device may directly select one shopping application from the queried multiple shopping applications through the first application according to a certain rule as the first shopping application, for example, select the shopping application with the largest number of times of user use as the first shopping application, and so on.

S103, the electronic equipment responds to the order placing request through the first shopping application to generate a first order, and sends information of the first order to the first application, wherein the first order is used for purchasing the first commodity.

The order request may include information for the first merchandise. The information of the first commodity may include, but is not limited to, the name, specification, quantity, etc. of the first commodity. The first shopping application may create a first order based on information of the first item in the order request. The first order is for purchasing a first item. For example, the first order may be for purchasing ice america with a cup of mug.

In some embodiments, after the first shopping application receives the order request, the first shopping application may first parse the information of the first commodity from the first order request, and then perform commodity inspection according to the information of the first commodity, including, but not limited to, one or more of checking whether the first commodity is sold by the first shopping application, whether the inventory of the first commodity is sufficient, and the like. If the above-mentioned inspection has a problem, the first shopping application may return a prompt message to the first application, and inform the first application that the first shopping application does not sell the first commodity or that the first commodity is empty, and so on. The first application may further prompt the user for an order creation failure. If the check passes, the first shopping application may create a first order, generate information for the first order, and send the information for the first order to the first application.

The information of the first order may include, but is not limited to, one or more of an order amount of the first order, an identification of the first order (e.g., order number, etc.), item details of the first order (e.g., item picture, etc.), status of the first order (e.g., in-creation, payment, etc.), and the like.

S104, after receiving the information of the first order through the first application, the electronic equipment finishes payment of the first order.

In the embodiment of the application, after receiving the information of the first order, the first application may send a payment request to the first payment application or a server of the first payment application, to request payment of the first order. The first payment application or a server of the first payment application may pay the first order in response to the payment request and return a payment result to the first application. Wherein the payment request may include, but is not limited to, one or more of an identification of the first order, an identification of the first shopping application, an amount of the first order, an identification of an acquiring merchant in the first shopping application, and the like.

The first payment application may be any one of one or more payment applications installed on the electronic device. For example, the first payment application may be any one of payment application 1, payment application 2, or payment application 3 in fig. 4.

In some embodiments, the first payment application may be determined by the first application. The first user instruction may include information indicating a first payment application. For example, the first user instruction may be "please help me buy ice beaches of a big cup, pay using payment application 1", and then the first application may determine that the first payment application is payment application 1 according to the first user instruction. The first user instruction may also not include information indicating the first payment application. At this time, the first application may prompt the user to select the first payment application from the plurality of payment applications after receiving the information of the first order sent by the first shopping application, or autonomously select the first payment application according to a preset rule.

In other embodiments, the first payment application may also be determined by the first shopping application. For example, a first shopping application may establish an associative binding with one or more payment applications, and the first shopping application may formulate the payment application with which the associative binding was established as the first payment application when generating the order. For another example, the first shopping application may take a payment application used last time the merchandise was purchased as the first payment application, and so on. At this time, when the first shopping application sends the information of the first order to the first application, an identifier of the first payment application, such as a name, a serial number, or other unique identifier of the first payment application, may also be sent.

In some embodiments, the payment request sent by the first application to the first payment application or the server of the first payment application may further include a payment token (token) corresponding to the first payment application. The payment token may be obtained by the first application from a server of the first payment application. In the embodiment of the application, the payment token can be a credential for authorizing the first application agent to pay in the first payment application and the server thereof by the user, and is used for supporting the first application agent user to carry out payment interaction with the first payment application or the server thereof. The payment token may take a variety of forms, for example, the payment token may be a server-generated string of unique identifiers of the first payment application, and so on. After the first payment application or the server thereof receives the payment token sent by the first application, the user identity can be determined according to the payment token, and then the payment is completed.

A method for the first application to obtain a payment token corresponding to the first payment application is described below.

Fig. 7 illustrates a flow of a payment token for a first application corresponding to a first payment application. The following are developed:

S201, the first application registers on a server of the first payment application.

The electronic device may send, via the first application, the first registration information to a server of the first payment application. The first registration information may include proxy qualification information for the first application, such as enterprise authentication, service scope, security credentials, and the like. After receiving the first registration information, the server of the first payment application may complete registration of the first application according to the first registration information. The first application may then obtain legal proxy qualifications at a server of the first payment application, including proxy user payments, proxy shopping application payments, and the like.

S202, the first shopping application is registered on a server of the first payment application.

Specifically, the first shopping application may send a second registration message to a server of the first payment application. The first shopping application may integrate shopping information of one or more merchants, and the second registration information may further include registration information of the one or more merchants. The second registration message may include, but is not limited to, one or more of a merchant number, a business license, a collection account, and the like.

S203, the first application and the first shopping application establish a proxy relationship at a server of the first payment application.

The first shopping application may establish a proxy relationship with the first application after registration of the server of the first payment application. The first application may legally proxy the first shopping application for payment-related operations.

S204, the first application sends a first authorization request to a server of the first payment application.

S205, the first application receives a first authorization identification from a server of the first payment application.

The first application may invoke a pre-authorization interface provided by the server of the first payment application, through which a pre-authorization request, i.e. a first authorization request, is sent to the server of the first payment application. The first authorization request may include parameters such as a user identification, an identification of the first application, an identification of the electronic device, and so on. The pre-authorization can be used for preliminarily verifying the legitimacy of the user, and resource waste or security risk caused by directly requesting a payment token is avoided.

If the pre-authorization passes, the electronic device may receive a pre-authorization success message, such as "pre-authorization pass", and a pre-authorization identification, from the server of the first payment application through the first application, and then proceed to S206. The pre-authorization identification may be a string of unique identifiers, such as presig _123456. The pre-authorization identifier is the first authorization identifier.

If the pre-authorization is not passed, the electronic device may receive, through the first application, a pre-authorization failure message from the server of the first payment application, such as "application no authority", "user unregistered", "user identification is null", and so on, and then terminate the process of obtaining the payment token. In an embodiment of the present application, the reasons for the unauthorization may include, but are not limited to, the first application not being registered with the server of the first payment application, the user not opening an account in the first payment application, the first application not obtaining payment proxy rights, and so on.

In some embodiments, S204 and S205 may not be performed when the electronic device obtains the payment token corresponding to the first payment application through the first application.

S206, the first application informs the first payment application to display a first user interface, wherein the first user interface is used for prompting a user to input authentication information.

S207, receiving first authentication information at a first user interface.

After the pre-authorization is passed, the first application may open a first user interface of the first payment application through an interface or jump link provided by the first payment application.

Fig. 8 illustrates a first user interface provided by an embodiment of the present application.

As shown in fig. 8, the first user interface may include an authorization information display area 10, an authentication information input area 11, and a confirmation control 12. Wherein the authorization information display area 10 may be used to present information of the current authorization to the user, such as an authorization object, an authorization validity period, an authorization specification, etc. The authentication information input area 11 may comprise a text input box for retrieving authentication information of the user. Upon detecting that the user clicks the confirmation control 12 on the first user interface, the electronic device may trigger execution S208.

Fig. 8 is merely one example of a first user interface. In other embodiments, the first user interface may be displayed in a variety of different ways, for example, the authentication information input area 11 of the first user interface may also include voice input controls, facial recognition controls, fingerprint acquisition controls, and the like for receiving authentication information of a user.

In the embodiment of the application, the authentication information can include, but is not limited to, one or more of a payment account and a payment password, user fingerprint information, user face information, a short message authentication code and the like.

In some embodiments, the electronic device may also prompt the user whether to confirm the authorization prior to displaying the first user interface, e.g., prompt information may be displayed at the interface to prompt the user whether to confirm the authorization, etc. After the electronic equipment detects that the user confirms the authorization, a first user interface is displayed, and first identity verification information input by the user is received.

S208, the first payment application sends first identity verification information to a server of the first payment application.

S209, the first payment application receives a verification result from a server of the first payment application.

S210, the first application receives a verification result from the first payment application, and the verification result indicates that the first identity verification information passes verification.

The server of the first payment application may verify the identity of the user according to the first identity verification information, for example, comparing the payment password in the first identity verification information with the payment password stored when the user registers to see if the payment password is matched, comparing the short message verification code in the first identity verification information with the random code generated by the server to see if the payment password is matched, and checking if the biometric feature (such as fingerprint information, face information, etc.) is matched.

If so, verification may be confirmed and then information such as "verification passed" may be sent to the first payment application indicating that the first authentication information was verified. If the first authentication information is not matched, the fact that the verification is not passed can be confirmed, and then information such as 'verification failure' is sent to the first payment application to indicate that the first authentication information is not passed. The electronic device may then prompt the user for a failure of authorization, or prompt the user to reenter the first authentication information, through the first application or the first payment application.

S211, the first application sends a second authorization request to a server of the first payment application, wherein the second authorization request is used for requesting a payment token.

S212. the first application receives a payment token from a server of the first payment application.

After the user identity verification is passed, the electronic device can formally apply for a payment token to a server of the first payment application through the first application. In response to the second authorization request, the server of the first payment application may generate a payment token and send the generated payment token to the first application on the electronic device.

The second authorization request may include the first authorization identifier acquired in S205. The server of the first payment application may confirm that the present authorization has been validated by the user legitimacy based on the pre-authorization record of the first authorization identification association preamble. If the electronic device does not perform the pre-authorization of S204-S205, the second authorization request may include parameters such as a user identifier for verifying the validity of the user, an identifier of the first application, and an identifier of the electronic device.

The payment token may have a corresponding authorization-to-expiration date and/or an authorization-to-amount. Wherein the authorization-to-use period is a legal use time window for the payment token beyond which the payment token will automatically expire. The authorization amount may be the maximum transaction amount allowed by the payment token beyond which transactions will be denied.

In some embodiments, the authorization-valid, authorization-amount corresponding to the payment token may be determined by the first application, e.g., may be determined by the first application according to user instructions. The first application may receive a user instruction for indicating an authorization valid period, and an authorization amount, for example, "please open the pay application a for free payment, the authorization valid period is 1 month, and the authorization amount is 200 yuan". At this time, the second authorization request may further include an authorization valid period, an authorization amount, and the like. In other embodiments, the authorization-to-validity period, the authorization-to-amount, and the corresponding payment token may also be determined by the server of the first payment application. For example, the server of the first payment application may dynamically generate the authorization-to-expiration date and the authorization-to-amount based on information such as payment business rules, wind-control policies, and the like.

S213, the first application receives payment token state change prompt information from a server of the first payment application.

The server of the first payment application may actively notify the first application that the state of the payment token is changed, such as that the payment token is about to expire, that the payment token is revoked by the user, etc., through the callback interface. The first application can sense the state of the payment token in real time, and the failure of payment caused by failure of the payment token is avoided.

In embodiments of the present application, payment tokens may be divided into two categories. One class may be referred to as a first payment token and another class may be referred to as a second payment token.

The first payment token may be a long-term authorization token and the first payment token may not have a limit on the number of uses. That is, the first payment token may be used an unlimited number of times during its authorized validity period. The first payment token may correspond to a first authorization-to-expiration date and a first authorization amount. The first payment token expires after the first authorization-to-use period has ended. In an embodiment of the present application, the first payment token may be obtained by the electronic device through the first application before receiving the first user instruction for purchasing the first merchandise.

The second payment token may correspond to a preset number of uses. That is, the second payment token cannot be used an unlimited number of times. For example, the number of valid uses of the second payment token may be exemplified as one, and the second payment token may be used only once. The second payment token may correspond to a second authorization-to-expiration date and a second authorization amount. The second payment token may be invalidated after the number of uses reaches a preset number of uses or the second authorization valid period ends. In an embodiment of the present application, the second payment token may be obtained after the electronic device receives the first user instruction for purchasing the first commodity through the first application, or after the first application receives the information of the first order sent by the first shopping application.

In the embodiment of the present application, the electronic device may further receive, through the first application, a user instruction for viewing the authorization record, which may be referred to as a third user instruction. The third user instruction may be a voice instruction such as "view authorization record". The third user instruction may also be an action instruction or gesture instruction, etc., such as clicking on a control for viewing the authorization record on the interface of the first application, etc. In response to a third user instruction, the electronic device may display, via the first application, an authorization record, which may include, but is not limited to, one or more of an authorization time of the payment token, an authorization-to-expiration date, an authorization amount, a corresponding payment application, and the like.

Fig. 9 illustrates a user interface for displaying authorization records.

As shown in fig. 9 (a) and (b), a control 21 and a control 22 may be included in the user interface for displaying the authorization records. When the electronic device detects the user selection control 21, an interface as shown in fig. 9 (a) may be displayed, displaying to the user an authorization record for the first payment token. When the electronic device detects that the user has selected control 22, an interface, as shown in fig. 9 (b), may be displayed, displaying to the user an authorization record for the second payment token.

A plurality of authorization records may be included in each of (a) and (b) of fig. 9, and a "view" control may be included in a display area corresponding to each authorization record. The user may click on the "view" control to view the more detailed authorization information corresponding to the authorization record. For example, after the electronic device detects that the user clicks the "view" control 23 corresponding to the authorization record 1, an interface shown in fig. 9 (c) may be displayed, and detailed information of the authorization record 1 may be displayed to the user. The authorization record 1 corresponds to a first payment token, which may be exemplified as payment token 1. As shown in fig. 9 (c), the electronic device may display that the state of the payment token 1 is within the validity period, the corresponding payment application is the payment application 1, the authorization-validity period is 2025, 3, 1, to 2025, 6, 1, and the authorization-amount is 200 yuan, and so on. If the state of the payment token is within the validity period, a control 25 may also be included in fig. 9 (c). When the electronic device detects that the user clicks on control 25, the payment token 1 may be actively revoked. For another example, when the electronic device detects that the user clicks on the "view" control 24 corresponding to the authorization record 4, an interface shown in fig. 9 (c) may be displayed, and detailed information of the authorization record 4 may be displayed to the user. The authorization record 4 corresponds to a second payment token, which may be exemplified as payment token 2. As shown in (d) of fig. 9, the electronic device may display that the state of the payment token 2 is expired, the corresponding payment application is the payment application 2, the authorization-valid period is 12:00 to 24:00 on 10 days of 3 months of 2025, the authorization-amount is 1000 yuan, the number of times of authorization-use is 1, and the number of times of use has been 1.

The foregoing describes a method for a first application to obtain a payment token for a first payment application, and the following describes in detail, by way of two embodiments, a method for effecting payment using the payment token.

Example 1

In a first embodiment, the first user instruction may be for immediate purchase of the first merchandise. After the electronic equipment receives the information of the first order through the first application, a payment request can be sent to the first payment application through the first application. Wherein the payment request may be for requesting payment of the first order. The electronic device may then complete payment of the first order in response to the payment request through the first payment application.

Fig. 10 exemplarily shows a flow of the first embodiment. The following are developed:

S301, the electronic device receives a second user instruction through the first application, wherein the second user instruction is used for acquiring a first payment token.

The second user instruction may be a voice instruction, a text instruction, or the like.

The second user instruction may include information for indicating the first payment application, such as a name of the first payment application, or the like. For example, the second user instruction may be "open pay-free of payment application 1", the first payment application being exemplified by payment application 1. In response to the second user instruction, the electronic device may obtain the first payment token from the server of the payment application 1 through the first application.

The second user instruction may include an authorization valid period and an authorization amount. For example, the second user instruction may be "open pay-free of payment application 1, authorized expiration date is 1 month, and authorized amount is 200 yuan". The first application may then obtain a first payment token with an authorization valid period of 1 month and an authorization amount of 200 yuan from the server of the payment application 1. In particular, in the process of obtaining the sum of the first payment tokens, the second authorization request sent by the first application to the server of the payment application 1 may include an authorization valid period and an authorization amount.

S302, the electronic device acquires a first payment token from a server of a first payment application through the first application.

The details of S302 may be viewed as S204-S212 above, and are not expanded herein.

S303, the electronic device receives a first user instruction through the first application, wherein the first user instruction is used for purchasing the first commodity instantly.

Wherein, the instant purchase of the first commodity refers to the instant purchase of the first commodity. For example, the first user instruction may be "please help me buy a cup of ice American". In response to the first user instruction, the electronic device immediately sends an order request to the first shopping application, i.e. performs S304.

S304, the electronic equipment responds to a first user instruction through the first application and sends an order ordering request to the first shopping application.

Wherein the order request is for requesting purchase of the first merchandise.

S305, the electronic equipment responds to the order placing request through the first shopping application to generate a first order, and sends information of the first order to the first application, wherein the first order is used for purchasing a first commodity.

The details of S303-S305 are referred to in S101-S103 and are not expanded herein.

S306, the electronic equipment displays information of the first order through the first application.

The method for displaying the information of the first order by the electronic device through the first application can be seen from fig. 5 (b), which is not developed here.

S307, the electronic device sends a payment request to the first payment application through the first application.

In a first embodiment, the payment request includes a payment token corresponding to the first payment application.

In particular, the first application may first detect whether the first payment token is within the authorization-to-use period before sending the payment request. If not, the user may be prompted to reacquire the first payment token or cancel the payment. If so, continuing to detect whether the amount of the first order is smaller than the first authorized amount corresponding to the first payment token.

If the first application detects that the amount of the first order is less than the first authorized amount of the first payment token, the payment request sent by the first application to the first payment application may include the first payment token. If the first application detects that the amount of the first order is greater than the first authorized amount, the electronic device may acquire a second payment token from a server of the first payment application through the first application, where the second authorized amount corresponding to the second payment token may be the amount of the first order. At this time, the payment request sent by the first application to the first payment application includes the second payment token.

In some implementations, the first user instruction may further include a preset amount to purchase the first item. In this case, the electronic device may acquire, by the first application, the second payment token from the server of the first payment application before sending the payment request, and the authorization amount corresponding to the second payment token may be a preset amount included in the first user instruction. The payment request sent by the first application to the first payment application may include a second payment token. For example, the first user instruction may be "please help me reserve a large bed room with a price within 500 yuan". The electronic device may then obtain a payment token 2 with an authorization amount of 500 yuan from the first payment application via the first application. The preset number of uses of the payment token 2 is 1. After receiving the information of the first order, the first application sends a payment request containing the payment token 2 to the first payment application.

The payment request may also include an identification of the first order, an identification of the first shopping application, an amount of the first order, an identification of an acquiring merchant in the first shopping application, and so forth.

S308, the electronic equipment detects that the user confirms payment of the first order.

In a first embodiment, the electronic device may further prompt the user through the first application or the first payment application whether to confirm payment of the first order. The electronic device may then receive a fourth user instruction for confirming payment of the first order via the first application or the first payment application.

The fourth user instruction may be a voice instruction. For example, the electronic device may receive a voice instruction such as "confirm payment" or "cancel order" through the first.

The fourth user instruction may also be a gesture instruction. Specifically, the electronic device may display a user interface for prompting the user to confirm payment of the first order through the first application or the first payment application, see fig. 11, and then detect the operation of prompting the user to confirm payment of the first order on the user interface for prompting the user to confirm payment of the first order.

FIG. 11 illustrates two user interfaces for prompting a user to confirm payment for a first order.

As shown in fig. 11 (a), the electronic device may display a dialog box 30 in the dialog interface of the first application. The dialog box 30 may display the prompt text "ask for confirmation of payment" and may also display a "cancel order" control 31 and a "confirm payment" control 32. Wherein the "cancel order" control 31 is used to cancel the payment of the first order and the "confirm payment" control 32 may be used to pay the first order. For example, the electronic device may detect that the user clicks on the "confirm payment" control 32, and then the electronic device may send a prompt to the first payment application via the first application, through which payment of the first payment order is continued to be completed.

As shown in fig. 11 (b), the electronic device may also pull up the payment window 33 of the first payment application through the first application. A "cancel order" control 34 and a "confirm payment" control 35 may be included in the payment window 33. Where the "cancel order" control 34 is used to cancel the payment of the first order, the "confirm payment" control 35 may be used to pay the first order. For example, the electronic device may detect that the user clicks on the "confirm payment" control 35 and the first payment application continues to complete the payment of the first payment order.

In the interaction flow of the payment method provided in the first embodiment, the user interface shown in fig. 11 may be exemplarily shown after (b) in fig. 5.

It should be noted that S308 is an optional step in the payment method provided in the first embodiment, and in some implementations S308 may not be performed.

S309, the electronic device sends an identity verification request to a server of the first payment application through the first payment application.

S310, the electronic device receives an identity verification result from a server of the first payment application through the first payment application.

The identity verification request may include a payment token. After the server of the first payment application receives the identity verification request, the validity and validity of the payment token can be verified. Where legitimacy refers to whether the payment token is a payment token generated by a server of the first payment application. Validity refers to whether the payment token is within the authorized validity period, whether the amount of the first order is smaller than the authorized amount corresponding to the payment token, and the like.

If the verification is passed, the server of the first payment application may return an indication information such as "verification passed" to the first payment application, and then continue to execute the subsequent payment flow. If the verification fails, the server of the first payment application may return a warning message to the first payment application, such as "the payment token has failed", "the order amount exceeds the authorized amount", and so on, according to the specific reason that the verification fails.

In some implementations, the electronic device may also perform risk control (i.e., wind control) of the payment of the first order through the first payment application, further enhancing the security of the payment. The risk control is a process of monitoring and intervening transaction behaviors in real time through technical means, a rule engine and data analysis to identify, evaluate and intercept potential risks, so as to maintain transaction legitimacy.

S311 to S313 are implementation steps of risk control.

S311, the electronic equipment detects that the user carries out wind control confirmation through the first payment application.

The first payment application may detect that payment of the first order is risky according to the wind control rules. Such as off-site login, high frequency transaction pre-warning, etc. The electronic device may then prompt the user for a pneumatic confirmation through the first payment application or the first application. Specifically, the electronic device may output, through the first payment application, second prompt information for prompting the user to perform wind control confirmation. Methods of user pneumatic confirmation may include, but are not limited to, entering a verification code, answering a security question, biometric verification, and the like. By the method, the first payment application can acquire the wind control confirmation information input by the user.

S312, the electronic device sends a wind control verification request to a server of the first payment application through the first payment application.

S313, the electronic device receives the wind control verification result from the server of the first payment application through the first payment application.

The wind control verification request may include wind control confirmation information input by a user. The server of the first payment application may perform wind control verification according to the wind control confirmation information, and determine whether to allow continuing to pay the first order. If the wind control verification is passed, an indication message such as 'verification passed' can be returned to the first payment application to indicate that the first payment application completes the payment of the first order. If the wind control verification fails, an indication message such as "verification failure" may be returned to the first payment application, indicating that the first payment application terminates payment of the first order.

In some implementations, S311-S313 may not be performed, i.e., detection risk and wind control validation may not be performed.

S314, the electronic equipment completes payment of the first order through the first payment application.

S315, the electronic device receives a payment result from the first payment application through the first application.

S316, the electronic equipment displays a payment result through the first application.

The electronic device can output first prompt information for prompting the user to finish the payment of the first order through the first application according to the payment result. The first prompt information may be a voice prompt information or an interface prompt information. As shown in fig. 5 (c), the electronic device may display a prompt message "payment for order completed", "buy one ice for you", etc. on the chat interface of the first application.

After completing the payment of the first order, the server of the first payment application may also send a payment result to the first shopping application. The first shopping application may process the first order based on the payment result, such as preparing for shipping, recording a transaction, and so forth.

In a first embodiment, a user may open an agent (i.e., a first application) on an electronic device, and input an instruction to purchase goods in time to the agent. Under the condition that the payment token is obtained, the agent can directly complete commodity ordering and order payment through arranging tasks, or can complete order payment only by simple confirmation operation of a user, so that the disturbance to the user is effectively reduced, and the convenience is improved.

Example two

In a second embodiment, the first user instruction may be for a timed purchase of the first merchandise. In response to the first user instruction, the electronic device may create a timed task through the first application and then generate the first order through the first shopping application at a predetermined time. After the electronic equipment receives the information of the first order through the first application, a payment request can be sent to a server of the first payment application through the first application. Wherein the payment request may be for requesting a server of the first payment application to pay the first order. The electronic device may then receive a first message from a server of the first payment application. The first message may be used to indicate that payment for the first order has been completed.

Fig. 12 exemplarily shows a flow of the second embodiment. The following are developed:

s401, the electronic device receives a second user instruction through the first application, wherein the second user instruction is used for acquiring a first payment token.

S402, the electronic device obtains a first payment token from a server of a first payment application through the first application.

The details of S401-S402 may be viewed from S301-302, and are not expanded herein.

S403, the electronic device receives a first user instruction through the first application, wherein the first user instruction is used for purchasing the first commodity at regular time.

S404, the electronic device creates a timing order task through the first application.

Wherein, the time to purchase the first commodity refers to purchasing the first commodity at a specific point in time or within a time period. That is, the first user instruction may be used to purchase the first item at a particular point in time in the future, or may be used to purchase the first item within a period of time in the future.

Fig. 13 is an interactive schematic diagram of a payment method according to the second embodiment.

As shown in fig. 13 (a), the first user instruction received by the first application may be "please buy me a cup of ice america at 8 a.k.a.). The first application may create a first timing task according to the first user instruction, the first timing task being for instructing the first application to send an order request to purchase ice in a cup to the first shopping application at 8 a.m. tomorrow. The electronic device may also display the created first timed task in a dialog interface of the first application. As shown in fig. 13 (a), the dialogue interface of the first application may display that the execution time of the first timing task is "2025, 6, 1, 8, 00", and the content of the first timing task is "buy one cup of ice.

As shown in fig. 13 (b), the first user instruction received by the first application may be "please help me reserve a hotel with a price below 1000 yuan before 8 pm on tomorrow. The first application can create a second timing task according to the first user instruction, wherein the second timing task is used for indicating the first application to monitor the hotel price before 8 th night in open day and sending a ordering request to the first shopping application when the hotel price is lower than 1000 yuan. Specifically, the first application may send the created information of the second timed task to the first shopping application. The first shopping application may monitor the price of the merchandise, i.e., the hotel price, for a specified period of time. When the hotel price is monitored to be lower than 1000 yuan, the first shopping application can send indication information to the first application, and the first application is instructed to send an ordering request to the first shopping application. As shown in (b) of fig. 13, the electronic device may display information of the second timed task on the dialogue interface of the first application, including the execution time of "2025, 6, 1, 20, 00 before" and the task content of "preset price 1000 yuan hotel". After the first application sends the information of the second timing task to the first shopping application, the electronic device can also display the text of the timing task known to the shopping application on a dialogue interface of the first application.

It should be noted that, in the scenario shown in (b) of fig. 13, the first application may obtain, from the first payment application after receiving the first user instruction, a second payment token with an authorization amount of 1000 yuan and an authorization valid period of 2025, 6, 1, 20:00.

S405, the electronic device sends an order placing request to a first shopping application through a first application, wherein the order placing request is used for requesting to purchase a first commodity.

S406, the electronic equipment responds to the ordering request through the first shopping application to generate information of a first order, and sends the information of the first order to the first application, wherein the first order is used for purchasing the first commodity.

The specific content of S405-S406 may refer to S304-S305, which are not expanded here.

S407, the electronic device sends a payment request to a server of the first payment application through the first application.

In the timed purchase scenario of embodiment two, the first application may send a payment request to the server of the first payment application. The payment request may contain the first payment token or the second payment token, as the case may be, and specific content may refer to S307.

In the second embodiment, the electronic device may also perform risk control (i.e., wind control, specifically including S408-S413) on the payment of the first order through the server of the first payment application.

S408, the server of the first payment application identifies transaction risk.

The server of the first payment application may detect, according to the wind control rule, that the payment of the first order is at risk, and trigger the user to trade the wind control flow.

S409, the server of the first payment application pauses payment of the first order.

S410, the electronic equipment informs a user of wind control confirmation.

In the second embodiment, the server of the first payment application may send risk prompt information to the first application, and then the first application notifies the user of the wind control confirmation by listening to the voice or the method of displaying the interface. The electronic equipment can also inform the user to perform wind control verification in a system notification (such as message pushing) or short message verification code mode and the like.

S411, the electronic device detects that the user carries out wind control confirmation through the first payment application.

S412, the electronic device sends a wind control verification request to a server of the first payment application through the first payment application.

S413, the electronic device receives the wind control verification result from the server of the first payment application through the first payment application.

Specific details of S411-S413 are referenced to S311-S312, which are not further developed herein.

In some implementations, S408-S413 may not be performed, i.e., detecting risk and performing wind control validation may not be performed.

S414, the electronic equipment completes payment of the first order through the server of the first payment application.

S415, the electronic device receives a payment result from a server of the first payment application through the first application.

In other embodiments, when the first user instruction is for immediate purchase of the first commodity, the electronic device may execute S407-S415 of embodiment 2 to complete payment of the order after executing S301-S306 of embodiment 1. That is, when the first user instruction is for instant purchase of the first merchandise, the first application may send an order placing request to the first shopping application and receive information of the first order immediately. The first application may then send a payment request to a server of the first payment application to complete payment of the first order.

In other embodiments, the electronic device may also execute S307-S316 of embodiment 1 to complete the payment of the order after S401-S406 of embodiment 2 is completed when the first user instruction is for timing the purchase of the first commodity. That is, when the first user instruction is for timing the purchase of the first merchandise, the first application may periodically send an order placing request to the first shopping application and receive information of the first order by constructing a timing task. The first application may then send a payment request to the first payment to complete the payment of the first order.

The embodiment of the application also provides the electronic equipment 100.

Fig. 14 schematically illustrates an electronic device 100 provided by an embodiment of the present application.

The electronic device 100 may be implemented as the aforementioned electronic device.

The device type of the electronic device 100 may be any of a smart phone, a tablet computer, a handheld computer, a desktop computer, a laptop computer, a ultra-mobile personal computer (UMPC), a Personal Digital Assistant (PDA), and a wearable device such as a smart band, a smart watch, a smart glasses, an augmented reality (augmented reality, AR), a Virtual Reality (VR), a Mixed Reality (MR), an extended reality (XR) device, a vehicle-mounted device, or a smart city device, and the like.

The electronic device 100 may include a processor 110, an external memory interface 120, an internal memory 121, a universal serial bus (universal serial bus, USB) interface 130, a charge management module 140, a power management module 141, a battery 142, an antenna 1, an antenna 2, a mobile communication module 150, a wireless communication module 160, an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, an earphone interface 170D, a sensor module 180, keys 190, a motor 191, an indicator 192, a camera 193, a display 194, and a subscriber identity module (subscriber identification module, SIM) card interface 195, etc. The sensor module 180 may include a pressure sensor 180A, a magnetic sensor 180D, a proximity sensor 180G, a fingerprint sensor 180H, a touch sensor 180K, an ambient light sensor 180L, a bone conduction sensor 180M, and the like.

Wherein the processor 110 may be one or more, which may be integrated within an integrated circuit of a System On Chip (SOC). SOC is a type of system on a chip. The processor 110 may include a central processing unit (central processing unit, CPU), a graphics processing unit (graphic processing unit, GPU), a neural-Network Processing Unit (NPU), and the like. The CPU may include an application processor (application processor, AP), a baseband processor chip (baseband processor, BP), etc., where the AP may be responsible for running an operating system, a user interface, and an application on the terminal device, and the BP may be responsible for transceiving wireless signals and managing radio frequency services. The GPU may be responsible for graphics rendering, coloring according to rendering instructions and data from the CPU, filling, rendering, outputting, etc. The NPU can rapidly process input information by referring to the biological neural network structure, for example, referring to the transmission mode among human brain neurons, and can also continuously learn by itself. The NPU may be used to run artificial intelligence algorithms such as edit instruction recommendation algorithms, image processing algorithms, image understanding algorithms, and the like. The CPU and GPU may be used to render and synthesize a picture to be displayed on the display screen 194.

The external memory interface 120 may be used to connect an external memory card, such as a Micro SD card, to enable expansion of the memory capabilities of the electronic device 100. The external memory card communicates with the processor 110 through an external memory interface 120 to implement data storage functions. For example, data such as music, photos, videos, etc. are stored in an external memory card.

The internal memory 121 may be used to store one or more computer programs. The processor 110 may execute the payment method provided in some embodiments of the present application, as well as various functional applications, data processing, and the like, by executing a computer program stored in the internal memory 121. In an embodiment of the present application, the internal memory 121 may store program codes of the first application, the first shopping application, and the first payment application. The processor 110 may implement functions by running program code of the first application to receive user instructions, parse the user instructions, send an order request to the first shopping application, send a payment request to the first payment application or a server thereof, and so on. The processor 110 may implement functions of receiving a request to place an order, generating a first order, sending information of the first order to the first application, and so on, by running program code of the first shopping application. The processor 110 may implement the functions of receiving an order placing request, completing payment for the first order, and so forth, by running program code for the first payment application.

The wireless communication function of the electronic device 100 may be implemented by the antenna 1, the antenna 2, the mobile communication module 150, the wireless communication module 160, a modem processor, a baseband processor, and the like.

The antennas 1 and 2 are used for transmitting and receiving electromagnetic wave signals. Each antenna in the electronic device 100 may be used to cover a single or multiple communication bands. Different antennas may also be multiplexed to improve antenna utilization in other embodiments, the antennas may be used in conjunction with tuning switches.

The mobile communication module 150 may provide a solution for wireless communication including 2G/3G/4G/5G, etc., applied to the electronic device 100. The mobile communication module 150 may receive electromagnetic waves from the antenna 1, perform processes such as filtering, amplifying, and the like on the received electromagnetic waves, and transmit the processed electromagnetic waves to the modem processor for demodulation. The mobile communication module 150 can amplify the signal modulated by the modem processor, and convert the signal into electromagnetic waves through the antenna 1 to radiate. In some embodiments, at least some of the functional modules of the mobile communication module 150 may be disposed in the processor 110. In some embodiments, at least some of the functional modules of the mobile communication module 150 may be provided in the same device as at least some of the modules of the processor 110.

The wireless communication module 160 may provide solutions for wireless communication including wireless local area network, bluetooth, global navigation satellite system, frequency modulation, near field wireless communication technology, infrared technology, etc. applied to the electronic device 100. The wireless communication module 160 may be one or more devices that integrate at least one communication processing module. The wireless communication module 160 receives electromagnetic waves via the antenna 2, modulates the electromagnetic wave signals, filters the electromagnetic wave signals, and transmits the processed signals to the processor 110. The wireless communication module 160 may also receive a signal to be transmitted from the processor 110, frequency modulate it, amplify it, and convert it to electromagnetic waves for radiation via the antenna 2.

In some embodiments, antenna 1 and mobile communication module 150 of electronic device 100 are coupled, and antenna 2 and wireless communication module 160 are coupled, such that electronic device 100 may communicate with a network and other devices through wireless communication techniques.

The electronic device may implement audio functions through an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, an earphone interface 170D, an application processor, and the like. Such as music playing, recording, etc.

The audio module 170 is used to convert digital audio information into an analog audio signal output and also to convert an analog audio input into a digital audio signal. The audio module 170 may also be used to encode and decode audio signals. In some embodiments, the audio module 170 may be disposed in the processor 110, or a portion of the functional modules of the audio module 170 may be disposed in the processor 110.

The speaker 170A, also referred to as a "horn," is used to convert audio electrical signals into sound signals. The electronic device may listen to music, or to hands-free conversations, through speaker 170A.

A receiver 170B, also referred to as a "earpiece", is used to convert the audio electrical signal into a sound signal. When the electronic device picks up a phone call or voice message, the voice can be picked up by placing the receiver 170B close to the human ear.

Microphone 170C, also referred to as a "microphone" or "microphone", is used to convert sound signals into electrical signals. When making a call or transmitting voice information, the user can sound near the microphone 170C through the mouth, inputting a sound signal to the microphone 170C. The electronic device may be provided with at least one microphone 170C. In other embodiments, the electronic device may be provided with two microphones 170C, and may implement a noise reduction function in addition to collecting sound signals. In other embodiments, the electronic device may also be provided with three, four, or more microphones 170C to enable collection of sound signals, noise reduction, identification of sound sources, directional recording functions, etc.

The earphone interface 170D is used to connect a wired earphone. The earphone interface 170D may be the USB interface 130, or may be a 3.5mm open mobile electronic device platform (open mobile terminal platform, OMTP) standard interface, or the like.

The electronic device 100 may implement display functions through a GPU, a display screen 194, an application processor, and the like. The GPU is a microprocessor for image processing, and is connected to the display 194 and the application processor. The GPU is used to perform mathematical and geometric calculations for graphics rendering. Processor 110 may include one or more GPUs that execute instructions to generate or change display information.

The display screen 194 is used to display images, videos, and the like. The display 194 includes a display panel. In some embodiments, the electronic device 100 may include 1 or N display screens 194, N being a positive integer greater than 1.

A touch sensor may be disposed in the display 194. The touch sensor is used to detect a touch operation acting on or near it. The touch sensor may communicate the detected touch operation to the application processor to determine the touch event type. Further, the electronic device may provide visual output related to touch operations through the display screen 194. The electronic device may implement display functions through a GPU, a display screen 194, a touch sensor, an application processor, and the like. In the embodiment of the present application, the electronic device may display a dialogue interface of the first application and the like to the user through the display functions provided by the GPU, the display screen 194, the touch sensor, the application processor and the like, and perform user interaction with the electronic device through the display screen 194.

The components in the electronic device 100 may be implemented as hardware modules, or as software modules, or as a combination of software and hardware modules. The device structure shown in fig. 14 does not constitute a specific limitation of the electronic device 100. In other embodiments of the application, electronic device 100 may include more or fewer components than shown, or certain components may be combined, or certain components may be split, or different arrangements of components.

The embodiment of the application also provides the server 200. The server 200 may be implemented as a server of the first payment application in the method embodiments described above.

Fig. 15 illustrates a server 200 provided by an embodiment of the present application.

As shown in fig. 15, the server 200 may include a processor 210, a memory 220, an input output device 230, a communication module 240, etc., which may be coupled by a bus.

The server 200 may have powerful computing resources on which the processor 210 may include one or more powerful processors, such as a Central Processing Unit (CPU), a neural Network Processing Unit (NPU), a Graphics Processor (GPU), and the like.

The processor 210 may include one or more interfaces, such as an integrated circuit (inter-INTEGRATED CIRCUIT, I2C) interface, an integrated circuit built-in audio (inter-INTEGRATED CIRCUIT SOUND, I2S) interface, a pulse code modulation (pulse code modulation, PCM) interface, a universal asynchronous receiver transmitter (universal asynchronous receiver/transmitter, UART) interface, a mobile industry processor interface (mobile industry processor interface, MIPI), a General Purpose Input Output (GPIO) interface, a subscriber identity module (subscriber identity module, SIM) interface, and/or a universal serial bus (universal serial bus, USB) interface, among others.

A cache may be provided within the processor 210 and may be used to hold instructions or data that the processor 210 has just used or recycled. If the processor 210 needs to reuse the instruction or data, the instruction or data can be directly called from the cache memory, so that the waiting time of the processor 210 can be reduced, and the running efficiency of the program can be improved.

The processor 210 may also be externally connected to memory. The memory may be a high-speed random access memory or a nonvolatile memory such as a magnetic disk, flash memory, universal flash memory (UFS), etc. The memory may also be an external memory card, such as a Micro SD card.

Processor 210 is the computational core of server 200 and has significant computational power. Coupled to memory 220 for reading and executing computer readable instructions in memory 220, running an operating system and various programs. Specifically, the CPU210 may be configured to call a program stored in the memory 220, for example, a program for implementing the payment method provided in the embodiment of the present application, and execute instructions included in the program.

Memory 220 may include high-speed random access memory, non-volatile memory, such as magnetic disk, flash memory, or other non-volatile solid state storage devices. Memory 220 may be used to store various software programs, sets of instructions. The memory 220 may store an operating system, such as Linux. The memory 220 may also store one or more programs, such as those involved in patch production, e.g., compilers, linkers. The memory 220 may also store a program for implementing the payment method provided by the embodiment of the present application. In an embodiment of the present application, the processor 210 may be configured to receive the authorization request and the ordering request sent by the electronic device 100 by executing the program in the memory 220, and may also perform user authentication and generate a payment token, complete payment of the first order, and so on.

Input output devices 230 may include a display screen, keyboard, mouse, etc., and may be used to receive user input and output program execution results to a user.

The communication module 240 may include a wired communication module, a wireless communication module. The wired communication module may support a wired communication protocol, such as a universal serial bus (universal serial bus, USB), serial port, ethernet, etc., and communicate with other devices through a physical communication cable. The wireless communication modules may include 2G/3G/4G/5G and the like wireless communication modules, wi-Fi communication modules and the like. The wireless communication module receives electromagnetic waves through the antenna, modulates the frequency of the electromagnetic wave signals, filters the electromagnetic wave signals and sends the processed signals to the processor 210, and the wireless communication module can also receive signals to be sent from the processor 210, modulate the frequency, amplify the signals and convert the signals into electromagnetic waves through the antenna to radiate.

The configuration illustrated in fig. 15 does not constitute a limitation of the server 200. The server 200 may include more or less components than illustrated, or certain components may be combined, or certain components may be split, or different arrangements of components. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.

The embodiment of the application also provides a communication system 300.

Fig. 16 illustrates a communication system 300 provided by an embodiment of the present application.

As shown in fig. 16, the communication system 300 may include the electronic device 100 and the server 200.

The electronic device may include a first application, a payment application, and a shopping application.

The first application may include an agent, or may invoke an agent. The first application may receive a user instruction. In response to the user instructions, the first application may send an order request to the shopping application, send an authorization request to the server 200, then obtain a payment token, and so on. After receiving the order placing request sent by the first application, the shopping application can generate order information and send the order information to the first application. The first application may send a payment request carrying a payment token to the payment application or server 200 according to the order information. In some embodiments, the first application may also display order information, payment results, risk cues, obtaining authorization records for payment tokens, and the like to the user.

The server 200 may be a server of a payment application. In the embodiment of the present application, the server 200 may receive the registration information of the first application and the registration information of the shopping application, and establish a proxy relationship between the first application and the shopping application, that is, the first application may proxy the shopping application to complete the collection of the order at the server 200. The server 200 may also receive an authorization request sent by the first application, and then generate and return a payment token to the first application on the electronic device 100. The server 200 may receive a payment request from the first application, then complete payment of the order according to a payment token included in the payment request, and return the payment result to the first application and the shopping application. In some embodiments, the server 200 may also perform risk control and risk verification to secure payment transactions.

The embodiment of the application also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program can realize the payment method provided by the embodiment of the application when being executed by a processor.

The embodiment of the application also provides a computer program product, and when the computer program product runs, the payment method provided by the embodiment of the application can be realized.

The embodiment of the application also provides a chip system, which comprises a processor, wherein the processor is coupled with the memory, and the processor executes the computer program stored in the memory to realize the payment method provided by the embodiment of the application. The chip system can be a single chip or a chip module composed of a plurality of chips.

Those skilled in the art will appreciate that in one or more of the examples described above, the functions described in the embodiments of the present application may be implemented in hardware, software, firmware, or any combination thereof. When implemented in software, these functions may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media including any medium that facilitates transfer of a computer program from one place to another. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.

The terms "first", "second" in embodiments of the application are used for descriptive purposes only and are not to be construed as implying or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include one or more such feature, and in the description of embodiments of the application, unless otherwise indicated, the meaning of "a plurality" is two or more.

The foregoing detailed description of the embodiments of the present application further illustrates the purposes, technical solutions and advantageous effects of the embodiments of the present application, and it should be understood that the foregoing is merely a specific implementation of the embodiments of the present application, and is not intended to limit the scope of the embodiments of the present application, and any modifications, equivalent substitutions, improvements, etc. made on the basis of the technical solutions of the embodiments of the present application should be included in the scope of the embodiments of the present application.

Claims (25)

1. A payment method, characterized in that the method comprises: The electronic device receives a first user instruction through a first application, where the first user instruction is for purchasing a first product; The electronic device sends an order request to a first shopping application via the first application in response to the first user instruction, wherein the order request is used to request the purchase of the first product and includes an identifier of the first product; The electronic device generates, through the first shopping application, first order information in response to the order request, and sends the first order information to the first application, where the first order is for purchasing the first product and the first order information includes the amount of the first order; After the electronic device receives the information of the first order through the first application, it completes the payment of the first order. 2. The method according to claim 1, wherein after the electronic device receives the information of the first order through the first application, completing the payment of the first order comprises: After receiving the information of the first order through the first application, the electronic device sends a payment request to a first payment application through the first application, where the payment request is used to request payment for the first order; The electronic device completes the payment of the first order in response to the payment request through the first payment application. 3. The method according to claim 2, wherein the first user instruction is used to immediately purchase the first commodity. 4. The method according to claim 1, wherein after the electronic device receives the information of the first order through the first application, completing the payment of the first order comprises: After receiving the information of the first order through the first application, the electronic device sends a payment request to the server of the first payment application through the first application, wherein the payment request is used to request the server of the first payment application to pay the first order; The electronic device receives a first message from a server of the first payment application, where the first message is used to indicate that payment for the first order has been completed. 5. The method according to claim 4, wherein the first user instruction is used to purchase the first commodity at a scheduled time. 6. The method according to any one of claims 2 to 5, wherein the payment request includes a payment token. 7. The method according to claim 6, further comprising: The electronic device obtains the payment token through the first application. 8. The method according to claim 7, wherein the electronic device obtains the payment token through the first application, comprising: The electronic device displays a first user interface through the first payment application, where the first user interface is used to prompt the user to enter identity verification information; The electronic device receives first identity authentication information in the first user interface; The electronic device receives, through the first application, a verification result from the first payment application, where the verification result indicates that the first identity verification information has passed; The electronic device sends a second authorization request to the server of the first payment application through the first application, where the second authorization request is used to request a payment token; The electronic device receives the payment token from the server of the first payment application through the first application. 9. The method according to claim 8, wherein before the electronic device displays the first user interface through the first payment application, the method further comprises: The electronic device sends a first authorization request to the server of the first payment application through the first application; The electronic device receives a first authorization identifier from a server of the first payment application through the first application. 10. The method according to claim 8 or 9, wherein the payment token comprises a first payment token, the first payment token is obtained by the electronic device through the first application before receiving the first user instruction, and the first payment token corresponds to a first authorized amount; Before sending the payment request, the method further includes: If it is detected through the first application that the amount of the first order is less than the first authorized amount, the payment request includes the first payment token. 11. The method according to claim 10, wherein the payment token comprises a second payment token, and the second payment token is obtained after the first user instruction is received through the first application; Before sending the payment request, the method further includes: If it is detected through the first application that the amount of the first order is greater than the first authorization amount, or the first user instruction includes a preset amount, the payment request includes the second payment token, and the second authorization amount corresponding to the second payment token is the amount of the first order or the preset amount. 12. The method according to claim 11, wherein the first payment token becomes invalid after the first authorization validity period ends. 13. The method according to claim 11 or 12, characterized in that the second payment token becomes invalid after the number of uses reaches a preset number of uses or the second authorization validity period expires. 14. The method according to claim 13, further comprising: The electronic device receives a third user instruction through the first application; In response to the third user instruction, the electronic device displays one or more of the following through the first application: the authorization time of the payment token, the authorization validity period, the authorization amount, and the corresponding payment application. 15. The method according to claim 14, wherein before the electronic device receives the first user instruction through the first application, the method further comprises: The electronic device sends first registration information to the server of the first payment application through the first application; The electronic device sends second registration information to the server of the first payment application through the first shopping application, the first shopping application integrates shopping information of one or more merchants, and the second registration information includes registration information of the one or more merchants. 16. The method according to claim 14 or 15, characterized in that after the electronic device receives the information of the first order through the first application, the method further comprises: The electronic device displays information about the first order through the first application. 17. The method according to claim 16, wherein after the electronic device receives the information of the first order through the first application and completes the payment of the first order, the method further comprises: The electronic device outputs a first prompt message through the first application, where the first prompt message is used to prompt the user that payment for the first order has been completed. 18. The method according to claim 17, wherein after the electronic device receives the information of the first order through the first application and before completing the payment of the first order, the method further comprises: The electronic device outputs second prompt information through the first payment application, where the second prompt information is used to prompt the user to perform risk verification. 19. The method according to claim 17 or 18, characterized in that after sending the payment request, the method further comprises: The electronic device receives a fourth user instruction, where the fourth user instruction is used to confirm payment of the first order. 20. The method of claim 19, wherein the first application is a voice assistant application. 21. An electronic device, characterized in that the electronic device is installed with a first application, a first shopping application, and a first payment application, and the electronic device also includes a memory, a processor, and a computer program stored in the memory, and the processor executes the computer program to implement the steps of the method described in any one of claims 1-20. 22. A communication system, comprising: an electronic device and a server, wherein the electronic device is the electronic device according to any one of claims 1 to 21; and the server is the server according to any one of claims 4 to 15. 23. A computer-readable storage medium, characterized in that a computer program is stored thereon, and when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 20 are implemented. 24. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 20 are implemented. 25. A chip system, characterized in that the chip system comprises one or more processors, and the processors are used to call computer instructions to execute the method according to any one of claims 1 to 20.