Payment information processing method, apparatus, and user device

1. A method implemented by a computing device having at least one processor, the method comprising:

detecting, by the at least one processor, a preset operation for a user interface when an application implemented on the computing device is in use;

determining, by the at least one processor, whether an identifier of a new window is inserted to one or more payment applications, the identifier including a program code that allows the one or more payment applications to be displayed in the new window;

displaying, by the at least one processor, the new window on the user interface in response to the determination that the identifier of the new window is inserted to the respective one or more payment applications, the new window comprising one or more payment application identifiers corresponding to the one or more payment applications;

receiving, by the at least one processor, a selection of a payment application identifier from the one or more payment application identifiers in the new window;

detecting whether the user interface is unlocked;

displaying, by the at least one processor, payment information corresponding to the selected payment application identifier on the user interface, wherein the payment information corresponding to the selected payment application identifier comprises valid payment information if the user interface is unlocked, and the payment information corresponding to the selected payment application identifier comprises invalid payment information if the user interface is not unlocked; and

sending, by the at least one processor, the payment information to a merchant terminal to complete a transaction without interrupting the application.

2. The method of claim 1 , further comprising:

setting up a trigger position region at the user interface, on which the preset operation is detected to trigger displaying the new window;

detecting a preset action performed on the trigger position region; and

displaying the new window at a preset position of the user interface in response to detecting the preset action performed on the trigger position region.

3. The method of claim 2 , wherein the preset action comprises at least one of a sliding operation, a double-click operation, or a click operation.

4. The method of claim 1 , further comprising: in response to detecting that the user interface is unlocked,

determining that the selected payment application identifier exists in a pre-authorized application identifier list, and

acquiring the valid payment information from the selected payment application.

5. The method of claim 1 , further comprising displaying the invalid payment information corresponding to the selected payment application identifier on the user interface in response to detecting that the user interface is not unlocked.

6. The method of claim 1 , further comprising:

detecting whether the identifier of the new window is inserted in the payment application corresponding to the payment application identifier, in response to detecting a preset action on a trigger position region of the new window configured on the user interface; and

adding the payment application identifier to the new window in response to detecting that the identifier of the new window is inserted in the payment application corresponding to the payment application identifier.

7. A user device comprising:

one or more processors;

memory;

a detection module stored in the memory and executable by the one or more processors to detect a preset operation for a user interface when an application implemented on the computing device is in use;

a first display module stored in the memory and executable by the one or more processors to determine whether an identifier of a new window is inserted to one or more payment applications and display the new window on the user interface in response to the determination that the identifier of the new window is inserted to the one or more payment applications, the identifier including a program code that allows the one or more payment applications to be displayed in the new window and the new window comprising one or more payment application identifiers corresponding to the one or more payment applications;

a selection module configured to select a payment application identifier from the one or more payment application identifiers in the new window, wherein the detection module is further configured to detect whether the user interface is unlocked; and

a second display module configured to display payment information corresponding to the selected payment application identifier on the user interface allowing the payment information to be sent to a merchant terminal for completing a transaction without interrupting the application, wherein the payment information corresponding to the selected payment application identifier comprises valid payment information if the user interface is unlocked, and the payment information corresponding to the selected payment application identifier comprises invalid payment information if the user interface is not unlocked.

8. The user device of claim 7 , further comprising a setting module configured to set a trigger position region at the user interface, on which the preset operation is detected to trigger displaying the new window, wherein the detection module further detects a preset action performed on the trigger position region, and the first display module further displays the new window at a preset position of the user interface after the detection module detects the preset action performed on the trigger position region.

9. The user device of claim 7 , wherein:

the second display module further displays the valid payment information corresponding to the selected payment application identifier on the user interface in response to the detection module detecting that the user interface is unlocked, or display the invalid payment information corresponding to the selected payment application identifier on the user interface in response to the detection module detecting that the user interface is locked.

10. The user device of claim 9 , further comprising:

a determination module configured to determine whether the selected payment application identifier exists in a pre-authorized application identifier list in response to the detection module detecting that the user interface is unlocked; and

an acquisition module configured to acquire the valid payment information from the selected payment application in response to the determination module determining that the selected payment application identifier exists in the pre-authorized application identifier list.

11. The user device of claim 7 , further comprising an addition module configured to add the payment application identifier to the new window in response to the detection module detecting that the identifier of the new window is inserted in the payment application corresponding to the payment application identifier.

12. One or more computer-readable media storing executable instructions that, when executed by one or more processors, cause the one or more processors to perform acts comprising:

detecting a preset operation for a user interface when an application implemented on the computing device is in use;

determining, by the at least one processor, whether an identifier of a new window is inserted to one or more payment applications, the identifier including a program code that allows the one or more payment applications to be displayed in the new window;

displaying a new window on the user interface, the new window on the user interface in response to the determination that the identifier of the new window is inserted to the one or more payment applications, the new window comprising one or more payment application identifiers corresponding to the one or more payment applications;

receiving a selection of a payment application identifier from the one or more payment application identifiers in the new window;

detecting whether the user interface is unlocked;

displaying payment information corresponding to the selected payment application identifier on the user interface, wherein the payment information corresponding to the selected payment application identifier comprises valid payment information if the user interface is unlocked, and the payment information corresponding to the selected payment application identifier comprises invalid payment information if the user interface is not unlocked; and

sending, by the at least one processor, the payment information to a merchant terminal to complete a transaction without interrupting the application.

13. The one or more computer-readable media of claim 12 , the acts further comprising:

setting up a trigger position region at the user interface, on which the preset operation is detected to trigger displaying the new window;

detecting a preset action performed on the trigger position region; and

displaying the new window at a preset position of the user interface in response to detecting the preset action performed on the trigger position region.

14. The one or more computer-readable media of claim 12 , the acts further comprising: in response to detecting that the user interface is unlocked,

determining that the selected payment application identifier exists in a pre-authorized application identifier list, and

acquiring the valid payment information from the selected payment application.

15. The one or more computer-readable media of claim 12 , the acts further comprising displaying the invalid payment information corresponding to the selected payment application identifier on the user interface in response to detecting that the user interface is not unlocked.

16. The one or more computer-readable media of claim 12 , the acts further comprising:

detecting whether the identifier of the new window is inserted in the payment application corresponding to the payment application identifier, in response to detecting a preset action on a trigger position region of the new window configured on the user interface; and

adding the payment application identifier to the new window in response to detecting that the identifier of the new window is inserted in the payment application corresponding to the payment application identifier.