CA3052186A1

CA3052186A1 - Payment processing method and device, and computer-readable storage medium

Info

Publication number: CA3052186A1
Application number: CA3052186A
Authority: CA
Inventors: Xin Li; Linfeng SONG; Yunfei LIU; Xiangjun Li; Zeqi Song; Chao CHENG
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2018-08-15
Filing date: 2019-08-15
Publication date: 2020-02-15
Also published as: CN109345220A

Abstract

The embodiment of the invention discloses a payment processing method, apparatus and computer readable storage medium. The method includes: obtaining a payment processing request generated after the target order payment fails, wherein the payment processing request includes at least payment information and user information corresponding to the target order;
performing risk assessment on the target order according to the user information; The target order is advanced for the risk assessment result. After the target order payment fails, the advance order processing of the target order can facilitate the completion of the target order, thereby reducing the order churn rate and increasing the success rate of payment; in addition, performing risk assessment before the target order is advanced. In turn, the payment risk is reduced and the reliability of payment is improved.

Description

PAYMENT PROCESSING METHOD AND DEVICE, AND
COMPUTER-READABLE STORAGE MEDIUM
Technical Field [0001] The embodiments of the present invention relate to the field of Internet technologies, and in particular, to a payment processing method and apparatus, and a computer readable storage medium.
Background Technology

[0002] With the development of Internet technology, there are more and more types of applications relying on the Internet, and the types of services provided by these applications are also increasing. For example, some applications provide payment functions, through which online shopping, ordering, and other services can be implemented. When users use these applications to make purchases or order foods, they often involve payment operations, and how to perform payment processing will directly affect the user's experience with the application.
Summary of the Invention

[0003] Embodiments of the present invention provide a payment processing method and apparatus, and a computer readable storage medium, where the technical solution is as follows:

[0004] In one aspect, an embodiment of the present invention provides a payment processing method, where the method includes:

[0005] Acquiring a payment processing request generated by the terminal after the target order payment fails, where the payment processing request includes at least the payment information and the user information corresponding to the target order;

[0006] Performing risk assessment on the target order according to the user information;

[0007] In response to the risk assessment result, the target order is advanced.

[0008] In an optional implementation manner, the performing the advance processing on the target order includes:

[0009] Advance the target order;

[0010] Generating a deferred order corresponding to the target order;

[0011] A delayed payment operation on the target order is completed within a preset time period based on the deferred order.

[0012] In an optional implementation manner, the performing a risk assessment on the target order according to the user information, including:

[0013] Acquiring historical behavior data corresponding to the user information;

[0014] Performing risk assessment on the target order according to the historical behavior data.

[0015] In an optional implementation manner, the historical behavior data corresponding to the user information includes a total number of historical payment corresponding to the user information and a historical payment result;

[0016] Performing risk assessment on the target order according to the historical behavior data, including:

[0017] Calculating a historical successful payment proportion corresponding to the user information according to the total number of historical payment corresponding to the user information and the historical payment result;

[0018] If the historical successful payment ratio is greater than the successful payment ratio threshold, the target order passes the risk assessment.

[0019] In an optional implementation manner, the method further includes:

[0020] Verifying customer validity based on the user information;

[0021] After the verification result is valid, performing the step of performing risk assessment on the target order according to the user information.

[0022] In an optional implementation manner, the completing the delayed payment operation on the target order based on the deferred order includes:

[0023] Acquiring a payment order corresponding to the deferred order, performing payment processing based on the payment order, and outputting a payment processing result.

[0024] In an optional implementation manner, the method further includes:

[0025] obtaining a user-initiated deferred payment inquiry request;

[0026] Returning the delayed payment result of the deferred order according to the deferred payment inquiry request.

[0027] In one aspect, a payment processing apparatus is also provided, the apparatus comprising:

[0028] An obtaining module, configured to acquire a payment processing request generated by the terminal after the target order payment fails, where the payment processing request includes at least the payment information and the user information corresponding to the target order;

[0029] A risk assessment module, configured to perform risk assessment on the target order according to the user information;

[0030] An advance processing module, configured to perform a pay-off process on the target order in response to the risk assessment result.

[0031] In an optional implementation manner, the advance processing module includes:

[0032] An advancement unit, configured to advance the target order;

[0033] An order generating unit, configured to generate a deferred order corresponding to the target order;

[0034] A payment processing unit, configured to complete a delayed payment operation on the target order within a preset time period based on the deferred order.

[0035] In an optional implementation manner, the risk assessment module is configured to obtain historical behavior data corresponding to the user information, and perform risk assessment on the target order according to the historical behavior data.

[0036] In an optional implementation manner, the historical behavior data corresponding to the user information includes a total number of historical payment corresponding to the user information and a historical payment result;

[0037] The risk assessment module is configured to calculate a historical successful payment proportion corresponding to the user information according to the total number of historical payment corresponding to the user information and a historical payment result;
if the historical successful payment ratio is greater than a successful payment ratio threshold, the target order passes the risk assessment.

[0038] In an optional implementation manner, the apparatus further includes:

[0039] A verification module, configured to verify customer validity according to the user information;

[0040] The risk assessment module is configured to perform the step of performing risk assessment on the target order according to the user information, after the verification result is valid.

[0041] In an optional implementation manner, the payment processing unit is configured to acquire a payment order corresponding to the deferred order, perform payment processing within a preset time period based on the payment order, and output a payment processing result.

[0042] In an optional implementation manner, the apparatus further includes:

[0043] The query processing module is configured to obtain a user-initiated deferred payment query request, and return a delayed payment result of the deferred order according to the deferred payment query request.

[0044] In one aspect, a computer apparatus is also provided, the computer apparatus comprising a processor and a memory, the memory storing at least one instruction, the at least one instruction being implemented as described above when executed by the processor Any of the payment processing methods described.

[0045] There is also provided a computer readable storage medium having stored therein at least one instruction that, when executed, implements any of the payment processing methods described above.

[0046] The technical solutions provided by the embodiments of the present invention may at least bring the following beneficial effects:

[0047] After the target order payment fails, by performing the advance processing on the target order, the completion of the target order can be facilitated, thereby reducing the order churn rate and improving the payment success rate; in addition, performing the advance processing on the target order Risk assessment, which reduces payment risk and increases the reliability of payment.
Brief Description

[0048] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. Obviously, the drawings in the following description are only some of the present invention. For the embodiments, those skilled in the art can obtain other drawings according to the drawings without any creative work.

[0049] Figure 1 is a flow chart of an interaction process in the related art;

[0050] Figure 2 is a flowchart of a payment processing method according to an embodiment of the present invention;

[0051] Figure 3 is a schematic diagram of an implementation environment according to an embodiment of the present invention;

[0052] Figure 4 is a structural diagram of a payment processing system according to an embodiment of the present invention;

[0053] Figure 5 is a flowchart of a payment processing method according to an embodiment of the present invention;

[0054] Figure 6 is a schematic diagram of interaction of a padding process according to an embodiment of the present invention;

[0055] Figure 7 is a schematic diagram of an interface of a pad payment process according to an embodiment of the present invention;

[0056] Figure 8 is a schematic diagram of interaction of a deferred payment process according to an embodiment of the present invention;

[0057] Figure 9 is a schematic diagram of an interface of a delayed payment process according to an embodiment of the present invention;

[0058] Figure 10 is a schematic diagram of a system architecture of a method for processing a converged payment according to an embodiment of the present invention;

[0059] Figure 11 is a flowchart of a payment processing method according to an embodiment of the present invention;

[0060] Figure 12 is a flowchart of a padding processing method according to an embodiment of the present invention;

[0061] Figure 13 is a schematic structural diagram of a payment processing apparatus according to an embodiment of the present invention;

[0062] Figure 14 is a schematic structural diagram of a pad processing module according to an embodiment of the present invention;

[0063] Figure 15 is a schematic structural diagram of a payment processing apparatus according to an embodiment of the present invention;

[0064] Figure 16 is a schematic structural diagram of a payment processing apparatus according to an embodiment of the present invention;

[0065] Figure 17 is a schematic structural diagram of a server according to an embodiment of the present invention;

[0066] Figure 18 is a schematic structural diagram of a terminal according to an embodiment of the present invention.
Description of the Preferred Examples

[0067] The embodiments of the present invention will be further described in detail below with reference to the accompanying drawings.

[0068] With the development of Internet technology, there are more and more types of applications relying on the Internet, and the types of services provided by these applications are also increasing. For example, some applications provide payment functions, through which online shopping, ordering, and other services can be implemented. When users use these apps to make purchases or order meals, they often involve payment operations.

[0069] Taking an application that provides a subscription service as an example, the related art may perform the payment processing as shown in Figure 1. When the user completes the order through the application and successfully places the order, the business order is created, and a payment method selection interface is provided. At this point, the user can select a payment method and then create a payment order based on the payment method selected by the user. If the payment order fails to be paid, two options are provided, one is to re-select the payment method, and the new payment method is switched to re-perform the payment process; the other is that the user cancels the business order, and the order is failed. It can be seen that the payment processing method provided by the related art requires the user to perform the payment operation again after the order payment fails, resulting in high operation cost, and if the user does not perform the second payment operation, the current business order will be lost. In addition, even if a secondary payment operation is performed, there may still be a failure of payment, resulting in a low success rate of payment.

[0070] To this end, the embodiment of the present invention provides a payment processing method. As shown in Figure 2, after the payment of the target order (ie, the business order) fails, the method creates a loan by performing advance payment processing on the target order.
Facilitating the completion of the target order, thereby reducing the order churn rate and increasing the success rate of payment; in addition, the method includes a risk assessment step before the target order is placed, thereby reducing the payment risk and improving the reliability of the payment.

[0071] Please refer to Figure 3, which is a schematic diagram of an implementation environment of a method provided by an embodiment of the present invention.
The implementation environment includes a terminal 11 and a server 12.

[0072] The terminal 11 is installed with an application client, for example, an application client that provides a subscription service, an application client that provides a hotel reservation service, an application client that provides a shopping service, and the like. After the application client is started, if the payment for the target order fails, the terminal 11 interacts with the server 12 to implement the advance operation and the subsequent delayed payment operation.

[0073] When implemented, the terminal 11 shown in Figure 3 may be an electronic apparatus such as a mobile phone, a tablet computer, a personal computer, or the like.
The server 12 can be a server, a server cluster composed of multiple servers, or a cloud computing service center. The terminal 11 and the server 12 establish a communication connection through a wired or wireless network.

[0074] When performing the payment processing, taking the system architecture shown in Figure 4 as an example, the terminal 11 is provided with a payment tool, such as a "checkout counter" and a "wallet" as shown in Figure 4, and the server 12 is provided with Advance payment system, risk control system, accounting system and customer system.
When the terminal 11 performs payment processing on the target order, if the payment fails, the depositing system of the server 12 is triggered to perform the advance operation. In the process of performing the advancement operation, in consideration of payment security, and in order to reduce the risk of payment, the advance payment system also interacts with the wind control system, and the risk control system is used for conducting transaction risk determination, that is, conduct a risk assessment to the target order. In the risk assessment, customer information, contract information, account opening information, etc. can be queried through the customer system to conduct a comprehensive risk assessment of the target order. For example, the risk level of the user corresponding to the target order is evaluated by the wind control system, thereby determining the risk of the advance payment.

[0075] Optionally, in order to improve the speed and accuracy of the risk assessment, the user risk model may be implemented, and thus the process of training the user risk model is further included in the wind control system. The user risk model is used to determine whether there is a security risk in the target order. The specific structure and training mode of the model are not limited in the embodiment of the present invention. For example, a certain amount of user information may be collected as a training sample to train the initial neural network model, thereby training a user risk model for determining payment risk. Regardless of which user risk model is adopted, after the risk assessment of the target order, if the risk assessment is passed, the target order can be advanced, thereby facilitating the completion of the target order, so that the target order is not lost.

[0076] Wherein, in the advance payment process, the financial system also needs to create a loan and record the account, create an extension order, record the current payment operation, and pay the target order through the subsequent deferred payment operation. For example, when the accounting system registers, it can create a debit and generate a deferred order to record the order information and user information of the advance operation. Thereafter, when the terminal 11 side triggers the deferred payment, the terminal 11 and the server 12 can implement the delayed payment operation based on the deferred order, thereby completing the payment for the target order.

[0077] Of course, in addition to the interaction between the terminal 11 and the server 12 to implement the payment processing, the method provided by the embodiment of the present invention also supports the payment processing by the terminal 11. Still taking the system architecture shown in Figure 4 as an example, the terminal 11 is provided with a payment tool, such as a "checkout counter" and a "wallet" as shown in Figure 4, and the terminal 11 is provided with an advance payment system, a wind control system, and a billing service. System and customer system.

[0078] When the terminal 11 performs payment processing on the target order, if the payment fails, the advance payment system is triggered to perform the advance operation. In the process of performing the advancement operation, in consideration of payment security, and in order to reduce the risk of payment, the advance payment system also interacts with the wind control system, and the risk control system is used for conducting transaction risk determination, that is, conduct a risk assessment to the target order . In addition, the financial system needs to create a debit and record, create a deferred order to record the advancement operation, and pay the target order through a subsequent deferred payment operation. For example, when the accounting system registers, it can create a debit and generate a deferred order to record the order information and user information of the advance operation. Thereafter, after the user triggers the deferred payment, the terminal 11 can implement the delayed payment operation based on the deferred order, thereby completing the payment of the target order.

[0079] Next, in order to facilitate the understanding of the payment processing method provided by the embodiment of the present invention, the payment processing interaction flow between the terminal and the server provided by the embodiment of the present invention is described based on the method flow shown in Figure 2, the implementation environment shown in Figure 3, and the system architecture shown in Figure 4. As shown in Figure 5, the method provided by the embodiment of the present invention may include the following steps:

[0080] In Step 501, after the target order payment fails, the terminal sends a payment processing request to the target server, where the payment processing request includes at least the payment information and the user information corresponding to the target order.

[0081] For this step, after the terminal creates a business order based on the user's operation, that is, after acquiring the target order, the payment operation is triggered.
The payment operation process can be as shown in Figure 6. After the user places an order, a business order is created, and the business system sends the created pre-payment slip to the cashier, and the cashier returns the payment parameter according to the pre-payment slip. If the user confirms the execution of the payment operation, the cashier is called up to provide a payment method selection interface. According to the payment method selected by the user, the payment password input by the user is obtained, and the payment processing is performed accordingly.

[0082] If the payment fails, the terminal sends a payment processing request to the target server, where the payment processing request includes at least the payment information and the user information corresponding to the target order. The payment information includes, but is not limited to, an amount to be paid, and the user information includes but is not limited to a user identifier, a user account, and the like.

[0083] In Step 502, the target server acquires a payment processing request sent by the terminal after the target order payment fails.

[0084] The target server receives the payment processing request sent by the terminal after the target order payment fails, and parses the obtained payment processing request to obtain the payment information and the user information included in the payment processing request.

[0085] In Step 503, the target server performs risk assessment on the target order according to the user information.

[0086] In order to reduce the risk of payment and improve the reliability of payment, the method provided by the embodiment of the present invention further includes the step of performing risk assessment on the target order according to the user information after the server receives the payment processing request.

[0087] In an optional implementation manner, the manner of risk assessment includes, but is not limited to, obtaining historical behavior data corresponding to the user information; and performing risk assessment on the target order according to the historical behavior data. The historical behavior data may be historical behavior data of the user corresponding to the user information recorded on the target server side, and the historical behavior data can reflect the historical behavior of the user, and the historical behavior data is analyzed to reach the user. The purpose of the risk level assessment is to achieve a risk assessment of the target order.

[0088] The process of analyzing the historical behavior data to obtain a risk assessment conclusion includes, but is not limited to, analyzing the historical behavior data to obtain the user's payment credit rating, thereby obtaining a risk conclusion. For example, the historical behavior data corresponding to the user information includes the total number of historical payment corresponding to the user information and the historical payment result; when the risk is evaluated on the target order according to the historical behavior data, the total number of historical payment corresponding to the user information and the historical payment result.
Calculating the historical successful payment proportion corresponding to the user information;
if the historical successful payment ratio is greater than the successful payment ratio threshold, the user's payment credit level is high, indicating that the risk of the user's escape order is low, and the target order risk initiated by the user passes the risk Evaluation, this time the target order is advanced, and then the payment operation of the target order is completed by the delayed payment operation, so that the current target order is not lost.

[0089] Wherein, the historical payment result may be the number of historical successful payment, then the historical successful payment ratio = (history successful payment times / total historical payment times) * 100%, the greater the historical successful payment ratio, the higher the payment credit rating, and The successful payment ratio threshold is used to indicate a historical successful payment proportional threshold that satisfies the advance condition. That is to say, the successful payment ratio threshold is the minimum requirement for advance payment.
If the historical successful payment ratio is greater than the successful payment ratio threshold, the user's payment credit rating is considered to be high, and the risk assessment result is passed.
Conversely, if the historical successful payment ratio is less than or equal to the successful payment ratio threshold, the user's payment credit rating is low, and the risk of losing the order is high, and the risk assessment result is failed. The threshold of the successful payment ratio may be set according to the actual situation, and may be appropriately adjusted, which is not limited , by the embodiment of the present invention.

[0090] For the sake of easy understanding, the historical behavior data corresponding to the user information includes the total number of historical payment corresponding to the user information is 100, the number of historical successful payment is 98, and the successful payment ratio threshold is 85%. The ratio = (98/100) * 100% = 98%, then the historical successful payment ratio is greater than the successful payment ratio threshold of 85%, and the risk assessment result is passed.

[0091] It should be noted that the above-mentioned historical behavior data includes the total number of historical payment corresponding to the user information and the number of historical successful payment. For example, the historical payment result may also be the number of historical failure payment. Then, the historical behavior data of the user includes the total number of historical payment corresponding to the user information and the number of historical failure payment, and the number of historical successful payment times may be obtained according to the difference between the total number of historical payment times and the number of historical failure payment times, and then calculated according to the above manner. The proportion of historical success payments.

[0092] Optionally, in addition to adopting the above-mentioned risk-based evaluation based on the historical successful payment ratio, similarly, the historical failure payment ratio may also be used for risk assessment. For example, when the risk assessment of the target order is performed based on the historical behavior data, the historical failure payment ratio corresponding to the user information is calculated according to the total number of historical payment corresponding to the user information and the number of historical failure payment. If the historical failure payment ratio is less than the failure payment ratio threshold, the target order passes the risk assessment.

[0093] The historical failure payment number may be directly carried in the historical behavior data corresponding to the user information, that is, the historical behavior data includes the total number of historical payment corresponding to the user information and the number of historical failure payment. Of course, when the historical behavior data includes the total number of historical payment corresponding to the user information and the number of historical successful payment times, the difference between the total number of historical payment times and the number of historical successful payment times may be obtained.

[0094] Whenever the number of historical failure payment is obtained, and the historical failure payment ratio is calculated, the historical failure payment ratio = (history failure payment number/history payment total number)*100%, the historical failure payment ratio is larger, The lower the payment credit rating, and the failure payment threshold is used to indicate the historical failure payment threshold that satisfies the advance condition.
That is to say, the failure payment ratio threshold is the minimum requirement for advance payment. If the historical failure payment ratio is less than the failure payment ratio threshold, the user's payment credit rating is considered to be high, and the risk assessment result is passed.
Conversely, if the historical failure payment ratio is greater than or equal to the failure payment ratio threshold, the user's payment credit rating is low, and the risk of losing the order is high, and the risk assessment result is failed. The threshold of the failure payment ratio may be set according to the actual situation, and may be appropriately adjusted. This embodiment of the present invention does not limit this.

[0095] For the sake of easy understanding, the historical behavior data corresponding to the user information includes the total number of historical payment corresponding to the user information is 100 times, the number of historical failure payment times is 8 times, and the failure payment ratio threshold is 5%. If the ratio = (8/100) * 100% = 8%, the historical failure payment ratio is greater than the failure payment threshold of 5%, and the risk assessment result is not passed.

[0096] In order to further improve the reliability of the payment, as shown in Figure 6, in an optional implementation manner, the method provided by the embodiment of the present invention further includes a process of verifying the validity of the client according to the user information, and verifying the result. After it is valid, the steps of risk assessment of the target order based on the user information are performed. The manner of verifying the validity of the client is not limited in the embodiment of the present invention. For example, the client system may query, based on the user information, whether an account corresponding to the user information is stored in the server. If yes, the user corresponding to the user information is a registered user, and the registered user has real name information, and thus the user information has validity. On the contrary, if the account corresponding to the user information is not queried, indicating that the user is a non-registered user, the user information is invalid, and the subsequent payment operation is stopped, thereby reducing the risk of the payment.

[0097] Further, after the target order passes the risk assessment, in order to reduce the order churn rate, the method provided by the embodiment of the present invention performs the advance processing on the target order, and the process of the advance payment processing is detailed in the subsequent steps.

[0098] In Step 504, in response to the risk assessment result, the target server advances the target order.

[0099] After passing the risk assessment, the risk of the advance payment is low, so in order to prevent the target order from being lost, the target server advances the target order according to the payment information, that is, the target server first performs a payment operation on the target order, and then The user pays for the target order by a subsequent delayed payment operation. Of course, if the risk assessment fails, the risk of advance payment is relatively large, so the advance operation may not be performed. If the user needs to continue processing the target order, the payment method can be re-selected.

[0100] For the case of the advance payment, in order to enable the user to complete the payment operation for the target order, the method provided by the embodiment of the present invention further includes a subsequent delayed payment process, as described in the following steps.

[0101] In Step 505, the target server generates a deferred order corresponding to the target order.

[0102] In order to subsequently complete the payment operation for the target order by deferred payment, after the target server performs the advance payment process, the deferred order corresponding to the target order is generated. As shown in Figure 6, the advance is accounted for by the financial system, and the deferred order is generated and recorded.
Afterwards, the server feeds back the successful response to the terminal, so that the terminal notifies the user that the order is successful after receiving the successful response.

[0103] For ease of understanding, the above-mentioned padding operation process can be illustrated by taking the interface shown in Figure 7 as an example. When the target order is created, the target order is displayed, as shown in the first display interface in Figure 7. In addition to displaying the payment method, the target order display interface also displays the remaining time of payment and the amount of payment. After the user triggers the payment operation, a payment password input interface as shown in the second display interface in Figure 7 is provided, and the payment operation is performed after the payment password is acquired. If the payment fails, instead of returning the payment interface, the user performs the payment operation again, but the payment is failed, and the notification has been paid. As shown in the example of the third display interface in Figure 7, the pop-up display box displays the message "Failed bank card payment", thereby prompting the payment to fail, and notifying by displaying the message "The order has been successful, first enjoy the service" already advanced. After that, you can jump to the subsequent interface for successful payment, as shown in the fourth display interface in Figure 7.

[0104] It should be noted that the process of generating the deferred order in Step 505 may be performed after the completion of the advance payment in Step 504, or may be performed in the process of performing the advance payment. The embodiments of the present invention do not limit the order in which the advance payment and the generation of the deferred order are made.

[0105] Further, the method provided by the embodiment of the present invention further includes the following deferred payment process, after performing the advance operation on the target order of the payment failure, in order to facilitate the payment of the target order.

[0106] In Step 506, the target server completes the delayed payment operation on the target order within the preset time period based on the deferred order.

[0107] For this step, it is considered that after the target order payment failure, the advance has been made, and thus the target server completes the delayed payment operation for the target order within the preset time period based on the deferred order. The process of the delayed payment operation includes, but is not limited to, obtaining a payment order corresponding to the deferred order, performing payment processing within a preset time period based on the payment order, and outputting the payment processing result. For example, the following steps are taken:

[0108] a. After detecting the deferred order inquiry operation, the terminal sends a deferred order inquiry request to the target server according to the deferred order inquiry operation.

[0109] For this step, if a user has multiple deferred orders, when the deferred order inquiry service is provided, a deferred order inquiry list may be provided to display to the user all deferred orders of the selectable query through the list. After obtaining the query operation of the user selecting any deferred order, the deferred order inquiry request is sent to the target server, and the request carries the order information to be queried, such as the order identifier, thereby enabling the target server to return the corresponding deferred order.
Certainly, as an optional implementation manner, after detecting the deferred order query operation, the query request for all deferred orders of the user may be sent to the target server, where the deferred order query request carries the user information, thereby the target server can return all deferred orders corresponding to the user information.

[0110] b. The destination server obtains the deferred order query request sent by the terminal, and sends the deferred order to the terminal according to the deferred order query request.

[0111] If the terminal requests to query a deferred order, the target server returns the deferred order requested by the terminal according to the order information of the one deferred order. If the terminal requests all the deferred orders of the user, the target server returns the corresponding information of the user information. All deferred orders.

[0112] c. The terminal receives the deferred order returned by the target server based on the deferred order query request, displays the deferred order, and returns a deferred payment request for the deferred order to the target server.

[0113] After the terminal displays the deferred order, the user may be provided to select an entry, so that the user can select the deferred order to be paid through the portal, thereby triggering the deferred payment operation. When the terminal detects that a deferred order is selected, it may also display a prompt message to prompt the user whether to perform the deferred payment operation. When the terminal detects the confirmation operation of the deferred payment, the terminal returns a deferred payment request for the selected deferred order to the target server.

[0114] d. The target server creates a payment order corresponding to the deferred order according to the deferred payment request, and feeds the payment order to the terminal.

[0115] e. The terminal receives the payment order corresponding to the deferred order created by the target server according to the deferred payment request, performs payment processing on the payment order, and returns a payment processing result to the target server.

[0116] Wherein, when the terminal performs payment processing on the payment order, the manner of performing the payment operation on the target order may be used, and the process is not described herein again. After the payment process is performed, the payment processing result is returned to the target server.

[0117] For example, as shown in Figure 8, after the user initiates the operation of querying the deferred order, the terminal detects the deferred order inquiry operation, thereby sending the deferred order inquiry request to the target server according to the deferred order inquiry operation; the target server acquires the terminal to send the request. The deferred order inquiry request sends an extension order to the terminal according to the deferred order inquiry request, that is, the current order should be returned. After the terminal displays the deferred order, if the user determines the payment, the terminal returns a deferred payment request for the deferred order to the target server. The payment system interacts with the cashier to trigger the cashier to create a pre-payment slip, and the cashier returns the payment parameters based on the pre-payment slip. If the user confirms the execution of the payment operation, the cashier is called up to provide a payment method selection interface. According to the payment method selected by the user, the payment password input by the user is obtained, and the payment processing is performed accordingly. If the payment is successful, the advancement system pays for this.

[0118] For ease of understanding, taking the display interface of the delayed payment process shown in Figure 9 as an example, the terminal provides an operation portal for deferred payment by using the first display interface as shown in Figure 9, such as displaying a "wallet" on the display interface. When the user selects the portal, the second display interface shown in Figure 9 is accessed, and the processing option of "deferred order" is provided through the interface.
When the user confirms that the deferred payment is made, the "Deferred Order"
option can be selected to switch to the third display interface shown in Figure 9. On the third display interface, the order information that needs to be deferred is displayed, such as the remaining time of payment, the amount of payment, and the payment method. After the payment processing is performed through a series of payment operations, if the payment is successful, a successful payment interface as shown in the fourth display interface in Figure 9 is displayed, thereby notifying the user that the current delayed payment operation is successful.
At this point, the terminal can return the payment result to the target server.

[0119] It should be noted that the foregoing process may be performed within a preset time period after the completion of the payment, and the preset time period may be set according to actual conditions, for example, setting the preset time period to one day, one week, one The embodiment of the present invention does not limit the length of the preset time period.
Optionally, in addition to setting a fixed preset time period, different preset time periods may be set for different user credit levels, such as a user with a high credit rating, a relatively long preset time period, and a low credit rating. User, corresponding to a relatively short preset time period, and so on.

[0120] Further, the preset time period is set, and if the delayed payment operation is not completed within the preset time period, the method provided by the embodiment of the present invention further includes: displaying prompt information for paying the target order, thereby Prompt the user to complete the payment operation of the target order in time.
For example, the prompt information may be "Please complete the payment operation with order number *** in time".

[0121] Further, after receiving the payment processing result returned by the terminal, the target server may perform storage recording. Further, the method provided by the embodiment of the present invention further includes providing the user with a deferred payment inquiry service, including but not limited to: obtaining a user-initiated deferred payment inquiry request, and returning a delayed payment result of the deferred order according to the deferred payment inquiry request. For example, the method provided by the embodiment of the present invention further includes the following steps:

[0122] f. The terminal sends a deferred payment query request to the target server according to the deferred payment query operation;

[0123] For this step, if a user has multiple deferred orders, when the deferred payment inquiry service is provided, a deferred payment inquiry list may be provided to display all the orders of the selectable query to the user through the list. After obtaining the deferred payment inquiry operation of the user selecting any order, the deferred payment inquiry request is sent to the target server, and the request carries the order information to be inquired, such as an order identifier. This enables the target server to return the delayed payment result of the corresponding deferred order.

[0124] g. The target server obtains the deferred payment query request sent by the terminal, and returns a delayed payment result of the deferred order according to the deferred payment query request.

[0125] The target server obtains a user-initiated deferred payment query request, and if the terminal requests to query a deferred payment result, the target server returns the deferred payment result of the terminal request query according to the order information of the one deferred order, if the terminal requests the user's If all the payment results are deferred, the target server returns all the deferred payment results corresponding to the user information.

[0126] h. The terminal acquires and displays the delayed payment result of the deferred order returned by the target server according to the deferred payment inquiry request.

[0127] For this step, if all the deferred payment results corresponding to the user information are obtained, all the deferred payment results corresponding to the user information may be displayed in the chronological order corresponding to the deferred payment result.

[0128] In summary, the method provided by the embodiment of the present invention can be applied not only to an application that provides a shopping service, a reservation service, a hotel reservation service, but also to any other application involving a payment operation. As shown in Figure 10, when any user registers with a real-name information as a client of an application, the account corresponding to the user can be registered, and each institution can recommend its product to the account. When the payment operation is involved, and the payment fails, the payment processing method provided by the embodiment of the present invention may be used to perform the payment operation based on the account, and the loan is created after the advance operation to generate the deferred order. Among them, the deferred order records the payment details that need to be deferred. In the subsequent deferred payment operation, the payment operation for the business order is completed. It should be noted that the 1..n in Figure 10 represents a quantity relationship, for example, the quantity relationship between the customer and the account is 1..n, which means that one customer can have 1 to n any number of accounts;
The quantity relationship between business orders is 1..1, which represents a loan corresponding to a business order. Where n is a positive integer greater than 1.

[0129] The method provided by the embodiment of the present invention, after the target order payment fails, sends a payment processing request to the target server through the terminal, thereby triggering the target server to perform the advance processing on the target order, which can facilitate the completion of the target order, thereby reducing The order churn rate increases the success rate of payment; in addition, the target server conducts a risk assessment before advancing the target order, thereby reducing the payment risk and improving the reliability of payment.

[0130] With the continuous development of the terminal, the function of the terminal is more and more powerful. The method provided by the embodiment of the present invention can be implemented by the terminal side in addition to the interaction between the terminal and the server. As shown in Figure 11, the method for performing the payment processing on the terminal side is taken as an example. The method provided by the embodiment of the present invention may include the following steps:

[0131] In Step 1101, a payment processing request generated after the target order payment fails is obtained, and the payment processing request includes at least the payment information and the user information corresponding to the target order.

[0132] For this step, after the terminal creates a business order based on the operation of the user, that is, after acquiring the target order, the payment operation is triggered. The payment operation process can be as shown in Figure 6. After the user places an order, a business order is created, and the business system sends the created pre-payment slip to the cashier, and the cashier returns the payment parameter according to the pre-payment slip. If the user confirms the execution of the payment operation, the cashier is called up to provide a payment method selection interface. According to the payment method selected by the user, the payment password input by the user is obtained, and the payment processing is performed accordingly.

[0133] If the payment fails, the terminal acquires a payment processing request generated after the target order payment fails, and the payment processing request includes at least the payment information and the user information corresponding to the target order. The payment information includes, but is not limited to, an amount to be paid, and the user information includes but is not limited to a user identifier, a user account, and the like.

[0134] In Step 1102, a risk assessment of the target order is performed based on the user information.

[0135] For the implementation of this step, refer to the content of Step 503 above, and details are not described herein again.

[0136] In Step 1103, in response to the risk assessment result, the target order is subjected to advance processing.

[0137] After passing the risk assessment, it indicates that the risk of advance payment is low, and therefore, in order to prevent the target order from being lost, the terminal performs the advance processing on the target order according to the payment information.

[0138] Optionally, referring to Figure 12, the pad processing process provided by the embodiment of the present invention is as follows.

[0139] In Step 11031, the target order is advanced.

[0140] For the implementation of the step, reference may be made to the content of the foregoing Step 504, and details are not described herein again.

[0141] In Step 11032, an extension order corresponding to the target order is generated.

[0142] For the implementation of the step, refer to the content of the foregoing Step 505, and details are not described herein again.

[0143] In Step 11033, the delayed payment operation on the target order is completed within the preset time period based on the deferred order.

[0144] For this step, the process of the delayed payment operation includes, but is not limited to, obtaining a payment order corresponding to the deferred order, performing payment processing based on the payment order, and outputting the payment processing result. For example, the delayed payment operation includes the following steps:

[0145] (1) After detecting the deferred order inquiry operation, the terminal acquires the deferred order according to the deferred order inquiry operation.

[0146] For this step, if a user has multiple deferred orders, when the deferred order inquiry service is provided, a deferred order inquiry list may be provided to display to the user all deferred orders of the selectable query through the list. After obtaining the query operation of the user selecting any deferred order, the order information to be inquired, such as the order identifier, is obtained, and the corresponding deferred order is obtained accordingly. Of course, as an optional implementation manner, all the deferred orders corresponding to the user information may also be obtained after the deferred order inquiry operation is detected.

[0147] (2) The terminal displays the deferred order, and after determining to perform the deferred payment operation, creates a payment order corresponding to the deferred order.

[0148] After the terminal presents the deferred order, a user selection portal may be provided to enable the user to select an extension order to be paid through the portal, thereby triggering the deferred payment operation. When the terminal detects that a deferred order is selected, it may also display a prompt message to prompt the user whether to perform the deferred payment operation. When the user selects the confirmation operation, the payment order corresponding to the deferred order is created.

[0149] (3) Perform payment processing on the payment order and output a payment processing result.

[0150] Wherein, when the terminal performs the payment processing on the payment order, the manner of performing the payment operation on the target order may be used, and the process is not described herein again. In addition, the above process can also refer to the interfaces shown in Figure 8 and Figure 9.

[0151] Further, after the terminal performs payment processing on the payment order within the preset time period, the terminal may store and record the payment processing result, and subsequently provide the user with the deferred payment inquiry service, including but not limited to obtaining the user-initiated extension. The payment inquiry request returns the delayed payment result of the deferred order according to the deferred payment inquiry request. For example, if a user has multiple deferred orders, then when the deferred payment inquiry service is provided, a deferred payment inquiry list may be provided to display to the user all the orders of the selectable query through the list. After obtaining the deferred payment inquiry operation of the user selecting any order, obtaining the order information to be inquired, such as the order identifier, etc., according to which the deferred payment inquiry request is obtained, and the delayed payment result of the deferred order is returned according to the deferred payment inquiry request, and Further shows the delayed payment result of the deferred order.

[0152] Wherein, if the request is to query a deferred payment result, the deferred payment result of the deferred order is queried and displayed according to the order information of the one deferred order, and if all the deferred payment results of the user are requested, the corresponding user is displayed. All deferred payment results. For the case of displaying all the deferred payment results corresponding to the user, all the deferred payment results corresponding to the user information may be displayed in the chronological order corresponding to the deferred payment result.

[0153] It should be noted that, in this embodiment, only the entire payment processing flow is implemented on the terminal side, and the implementation principle of the payment processing method is the same as the foregoing embodiment of the embodiment shown in Figure 5. For related steps, refer to the content of the embodiment shown in Figure 5 above.

[0154] The method provided by the embodiment of the present invention can facilitate the completion of the target order by performing advance payment processing on the target order after the target order payment fails, thereby reducing the order churn rate and improving the payment success rate; Risk assessment is carried out before, which reduces the payment risk and improves the reliability of payment.

[0155] Based on the same inventive concept as the above method, referring to Figure 13, an embodiment of the present invention provides a payment processing apparatus, which can be applied to a server or a terminal. As shown in Figure 13, the apparatus includes:

[0156] The obtaining module 1301 is configured to obtain a payment processing request generated after the target order payment fails, where the payment processing request includes at least the payment information and the user information corresponding to the target order;

[0157] The risk evaluation module 1302 is configured to perform risk assessment on the target order according to the user information;

[0158] The advance payment processing module 1303 is configured to perform a pay-off process on the target order in response to the risk assessment result.

[0159] In an optional implementation manner, referring to Figure 14, the advance processing module 1303 includes:

[0160] The delivery unit 13031 is configured to advance the target order;

[0161] An order generating unit 13032, configured to generate a deferred order corresponding to the target order;

[0162] The payment processing unit 13033 is configured to complete the delayed payment operation on the target order within the preset time period based on the deferred order.

[0163] In an optional implementation manner, the risk assessment module 1302 is configured to obtain historical behavior data corresponding to the user information, and perform risk assessment on the target order according to the historical behavior data.

[0164] In an optional implementation manner, the historical behavior data corresponding to the user information includes a total number of historical payment corresponding to the user information and a historical payment result;

[0165] The risk evaluation module 1302 is configured to calculate a historical successful payment proportion corresponding to the user information according to the total number of historical payment corresponding to the user information and the historical payment result; if the historical successful payment ratio is greater than the successful payment ratio threshold, the target order passes the risk assessment.

[0166] In an optional embodiment, referring to Figure 15, the apparatus further includes:

[0167] The verification module 1304 is configured to verify the validity of the client according to the user information;

[0168] The risk evaluation module 1302 is configured to perform a step of performing risk assessment on the target order according to the user information, after the verification result is valid.

[0169] In an optional implementation manner, the payment processing unit 13033 is configured to obtain a payment order corresponding to the deferred order, perform payment processing within a preset time period based on the payment order, and output a payment processing result.

[0170] In an optional implementation manner, referring to Figure 16, the apparatus further includes:

[0171] The query processing module 1305 is configured to obtain a user-initiated deferred payment query request, and return a delayed payment result of the deferred order according to the deferred payment query request.

[0172] The apparatus provided by the embodiment of the present invention can facilitate the completion of the target order by performing advance payment processing on the target order after the target order payment fails, thereby reducing the order churn rate and improving the payment success rate; Risk assessment is carried out before the target order is processed, which reduces the payment risk and improves the reliability of payment.

[0173] It should be noted that, when the apparatus provided by the foregoing embodiment implements its function, only the division of each functional module described above is illustrated. In an actual application, the function distribution may be completed by different functional modules as needed. The internal structure of the apparatus is divided into different functional modules to complete all or part of the functions described above.
In addition, the apparatus and method embodiments provided in the foregoing embodiments are in the same concept, and the specific implementation process is described in detail in the method embodiment, and details are not described herein again.

[0174] Figure 17 is a schematic structural diagram of a payment processing apparatus according to an embodiment of the present invention. The apparatus may be a server, and the server may be a separate server or a cluster server. Specifically:

[0175] The server includes a central processing unit (CPU) 1701, a random access memory (RAM) 1702, and a system memory 1704 of a read only memory (ROM) 1703, and a system bus 1705 that connects the system memory 1704 and the central processing unit 1701. The server also includes a basic input/output system (I/0 system) 1706 that facilitates transfer of information between various apparatus within the computer, and a mass storage apparatus 1707 for storing operating system 1713, applications 1714, and other program modules 1717.

[0176] The basic input/output system 1706 includes a display 1708 for displaying information and an input apparatus 1709 such as a mouse, a keyboard for inputting information by a user.
Both display 1708 and input apparatus 1709 are connected to central processing unit 1701 via an input and output controller 1710 that is coupled to system bus 1705. The basic input/output system 1706 can also include an input output controller 1710 for receiving and processing input from a plurality of other apparatus, such as a keyboard, mouse, or electronic stylus. Similarly, the input and output controller 1710 also provides output to a display screen, printer, or other type of output apparatus.

[0177] The mass storage apparatus 1707 is connected to the central processing unit 1701 by a mass storage controller (not shown) connected to the system bus 1705. The mass storage apparatus 1707 and its associated computer readable medium provide non-volatile storage for the server. That is, the mass storage apparatus 1707 can include a computer readable medium (not shown) such as a hard disk or a CD-ROM drive.

[0178] Without loss of generality, computer readable media may comprise computer storage media and communication media. The computer storage medium includes volatile and non-volatile, removable and non-removable media implemented in any method or technique for storing information such as computer readable instructions, data structures, program modules, or other data. Computer storage media include RAM, ROM, EPROM, EEPROM, flash memory or other solid state storage technologies, CD-ROM, DVD or other optical storage, tape cartridges, magnetic tape, magnetic disk storage or other magnetic storage apparatus. Of course, technicians in this field know that the computer storage medium is not limited to the above. The system memory 1704 and mass storage apparatus 1707 described above may be collectively referred to as a memory.

[0179] According to various embodiments of the present invention, the server may also be operated by a remote computer connected to the network through a network such as the Internet.
That is, the server can be connected to the network 1712 via a network interface unit 1711 connected to the system bus 1705, or the network interface unit 1711 can be used to connect to other types of networks or remote computer systems (not shown).

[0180] The above memory further includes one or more programs, and one or more programs are stored in the memory and configured to be executed by the CPU. The one or more programs include instructions for performing the payment processing method provided by embodiments of the present invention.

[0181] Figure 18 is a schematic structural diagram of a payment processing apparatus according to an embodiment of the present invention. The apparatus can be a terminal, for example: a smart phone, a tablet, an MP3 player (Moving Picture Experts Group Audio Layer III), MP4 (Moving Picture Experts Group Audio Layer IV), motion picture Experts compress standard audio layers 4) players, laptops or desktops. A terminal may also be referred to as a user apparatus, a portable terminal, a laptop terminal, a desktop terminal, and the like.

[0182] Generally, the terminal includes a processor 1801 and a memory 1802.

[0183] The processor 1801 may include one or more processing cores, such as a 4-core processor, an 8-core processor, and the like. The processor 1801 can be implemented by using at least one of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), and a PLA (Programmable Logic Array). The processor 1801 may also include a main processor and a coprocessor. The main processor is a processor for processing data in an awake state, also called a CPU (Central Processing Unit); the coprocessor is used for a low-power processor that processes data in standby mode. In some embodiments, the processor 1801 may be integrated with a GPU (Graphics Processing Unit), which is responsible for rendering and rendering of the content that the display needs to display. In some embodiments, the processor 1801 may further include an Al (Artificial Intelligence) processor for processing computational operations related to machine learning.

[0184] The memory 1802 can include one or more computer readable storage media, which can be non-transitory. Memory 1802 can also include high speed random access memory, as well as non-volatile memory, such as one or more disk storage apparatus, flash storage apparatus. In some embodiments, the non-transitory computer readable storage medium in memory 1802 is for storing at least one instruction for execution by processor 1801 to implement the payment method provided by the method embodiment of the present application.

[0185] In some embodiments, the terminal optionally further includes: a peripheral apparatus interface 1803 and at least one peripheral apparatus. The processor 1801, the memory 1802, and the peripheral apparatus interface 1803 may be connected by a bus or a signal line. Each peripheral apparatus can be connected to the peripheral apparatus interface 1803 via a bus, signal line or circuit board. Specifically, the peripheral apparatus includes at least one of a radio frequency circuit 1804, a touch display screen 1805, a camera 1806, an audio circuit 1807, a positioning component 1808, and a power source 1809.

[0186] The peripheral apparatus interface 1803 can be used to connect at least one peripheral apparatus related to 110 (Input/Output) to the processor 1801 and the memory 1802. In some embodiments, the processor 1801, the memory 1802, and the peripheral apparatus interface 1803 are integrated on the same chip or circuit board; in some other embodiments, any one of the processor 1801, the memory 1802, and the peripheral apparatus interface 1803 or The two can be implemented on a separate chip or circuit board, which is not limited in this embodiment.

[0187] The RF circuit 1804 is configured to receive and transmit an RF (Radio Frequency) signal, also referred to as an electromagnetic signal. The RF circuit 1804 communicates with the communication network and other communication apparatus via electromagnetic signals. The RF
circuit 1804 converts the electrical signal into an electromagnetic signal for transmission, or converts the received electromagnetic signal into an electrical signal.
Optionally, the RF circuit 1804 includes an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a subscriber identity module card, and the like. Radio frequency circuitry 1804 can communicate with other terminals via at least one wireless communication protocol. The wireless communication protocol includes, but is not limited to, a metropolitan area network, various generations of mobile communication networks (2G, 3G, 4G, and 5G), a wireless local area network, and/or a WiFi (Wireless Fidelity) network. In some embodiments, the RF circuit 1804 may also include NFC (Near Field Communication) related circuitry, which is not limited in this application.

[0188] The display screen 1805 is used to display a UI (User Interface). The UI can include graphics, text, icons, video, and any combination thereof. When the display 1805 is a touch display, the display 1805 also has the ability to acquire touch signals over the surface or surface of the display 1805. The touch signal can be input to the processor 1801 as a control signal for processing. At this time, the display 1805 can also be used to provide virtual buttons and/or virtual keyboards, also referred to as soft buttons and/or soft keyboards. In some embodiments, the display screen 1805 can be one, and the front panel of the terminal is disposed; in other embodiments, the display screen 1805 can be at least two, respectively disposed on different surfaces of the terminal or in a folded design; in some implementations In an example, the display screen 1805 can be a flexible display screen disposed on a curved surface or a folded surface of the terminal. Even the display screen 1805 can be set to a non-rectangular irregular pattern, that is, a profiled screen. The display 1805 can be made of a material such as an LCD
(Liquid Crystal Display) or an OLED (Organic Light-Emitting Diode).

[0189] Camera assembly 1806 is used to capture images or video. Optionally, camera assembly 1806 includes a front camera and a rear camera. Usually, the front camera is placed on the front panel of the terminal, and the rear camera is placed on the back of the terminal. In some embodiments, the rear camera is at least two, which are respectively a main camera, a depth camera, a wide-angle camera, and a telephoto camera, so as to realize the background blur function of the main camera and the depth camera, and the main camera Combine with a wide-angle camera for panoramic shooting and VR (Virtual Reality) shooting or other integrated shooting functions. In some embodiments, camera assembly 1806 can also include a flash. The flash can be a monochrome temperature flash or a two-color temperature flash.
The two-color temperature flash is a combination of a warm flash and a cool flash that can be used for light compensation at different color temperatures.

[0190] The audio circuit 1807 can include a microphone and a speaker. The microphone is used to collect sound waves of the user and the environment, and convert the sound waves into electrical signals for processing into the processor 1801 for processing, or input to the RF circuit 1804 for voice communication. For the purpose of stereo acquisition or noise reduction, there may be multiple microphones, which are respectively arranged in different parts of the terminal.
The microphone can also be an array microphone or an omnidirectional acquisition microphone.
The speaker is then used to convert electrical signals from the processor 1801 or the RF circuit 1804 into sound waves. The speaker can be a conventional film speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, not only can the electrical signal be converted into human audible sound waves, but also the electrical signal can be converted into sound waves that are inaudible to humans for ranging and the like. In some embodiments, audio circuit 1807 can also include a headphone jack.

[0191] The positioning component 1808 is configured to locate a current geographic location of the terminal to implement navigation or LBS (Location Based Service). The positioning component 1808 can be a positioning component based on a US-based GPS (Global Positioning System), a Chinese Beidou system, a Russian GLONASS system, or an EU Galileo system.

[0192] A power supply 1809 is used to power various components in the terminal. The power source 1809 can be an alternating current, a direct current, a disposable battery, or a rechargeable battery. When the power source 1809 includes a rechargeable battery, the rechargeable battery can support wired charging or wireless charging. The rechargeable battery can also be used to support fast charging technology.

[0193] In some embodiments, the terminal further includes one or more sensors 1810. The one or more sensors 1810 include, but are not limited to, an acceleration sensor 1811, a gyro sensor 1812, a pressure sensor 1813, a fingerprint sensor 1814, an optical sensor 1815, and a proximity sensor 1816.

[0194] The acceleration sensor 1811 can detect the magnitude of the acceleration on the three coordinate axes of the coordinate system established by the terminal. For example, the acceleration sensor 1811 can be used to detect components of gravity acceleration on three coordinate axes. The processor 1801 can control the touch display screen 1805 to display the user interface in a landscape view or a portrait view according to the gravity acceleration signal collected by the acceleration sensor 1811. The acceleration sensor 1811 can also be used for the acquisition of game or user motion data.

[0195] The gyro sensor 1812 can detect the body direction and the rotation angle of the terminal, and the gyro sensor 1812 can cooperate with the acceleration sensor 1811 to collect the user's action on the terminal. Based on the data collected by the gyro sensor 1812, the processor 1801 can implement functions such as motion sensing (such as changing the UI
according to the user's tilting operation), image stabilization at the time of shooting, game control, and inertial navigation.

[0196] The pressure sensor 1813 may be disposed on a side border of the terminal and/or a lower layer of the touch display screen 1805. When the pressure sensor 1813 is disposed on the side frame of the terminal, the user's holding signal to the terminal can be detected, and the processor 1801 performs left and right hand recognition or shortcut operation according to the holding signal collected by the pressure sensor 1813. When the pressure sensor 1813 is disposed on the lower layer of the touch display screen 1805, the processor 1801 controls the operability control on the UI interface according to the user's pressure on the touch display screen 1805. The operability control includes at least one of a button control, a scroll bar control, an icon control, and a menu control.

[0197] The fingerprint sensor 1814 is used to collect the fingerprint of the user, and the processor 1801 identifies the identity of the user according to the fingerprint collected by the fingerprint sensor 1814, or the fingerprint sensor 1814 identifies the identity of the user according to the collected fingerprint. Upon identifying that the user's identity is a trusted identity, the processor 1801 authorizes the user to perform related sensitive operations including unlocking the screen, viewing encrypted information, downloading software, paying and changing settings, and the like. The fingerprint sensor 1814 can be placed on the front, back or side of the terminal. The fingerprint sensor 1814 can be integrated with a physical button or vendor logo when a physical button or vendor logo is provided on the terminal.

[0198] Optical sensor 1815 is used to collect ambient light intensity. In one embodiment, the processor 1801 can control the display brightness of the touch display 1805 based on the ambient light intensity acquired by the optical sensor 1815. Specifically, when the ambient light intensity is high, the display brightness of the touch display screen 1805 is raised;
when the ambient light intensity is low, the display brightness of the touch display screen 1805 is lowered. In another embodiment, the processor 1801 can also dynamically adjust the shooting parameters of the camera assembly 1806 based on the ambient light intensity acquired by the optical sensor 1815.

[0199] Proximity sensor 1816, also referred to as a distance sensor, is typically disposed on the front panel of the terminal. Proximity sensor 1816 is used to capture the distance between the user and the front of the terminal. In one embodiment, when the proximity sensor 1816 detects that the distance between the user and the front of the terminal is gradually decreasing, the processor 1801 controls the touch display 1805 to switch from the bright screen state to the touch screen state; when the proximity sensor 1816 detects When the distance between the user and the front side of the terminal gradually becomes larger, the processor 1801 controls the touch display screen 1805 to switch from the information screen state to the bright screen state.

[0200] It will be understood by those skilled in the art that the structure shown in Figure 18 does not constitute a limitation of the terminal, and may include more or less components than those illustrated, or combine some components or adopt different component arrangements.

[0201] In an embodiment in the example, a computer apparatus is also provided, the computer apparatus comprising a processor and a memory, the memory storing at least one instruction. The at least one instruction is configured to be executed by one or more processors to implement the payment processing method described above.

[0202] In an exemplary embodiment, there is also provided a computer readable storage medium having stored therein at least one instruction, the at least one instruction implementing the payment processing described above when executed by a processor of a computer apparatus method.

[0203] Alternatively, the above computer readable storage medium may be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, and an optical data storage apparatus.

[0204] It should be understood that "a plurality" as referred to herein means two or more. "And / or", describe the association relationship of the associated object, the table can not exist in two kinds of relations, for example, six and / or B, can be expressed as: A exists separately, there are A and B at the same time, there are three cases of B alone. Characters generally indicate that the contextual object is an "or" relationship.

[0205] The foregoing serial numbers of the embodiments of the present invention are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

[0206] The above is only the exemplary embodiments of the present invention, and is not intended to limit the present invention. Any modifications, equivalents, improvements, etc., which are within the spirit and scope of the present invention, should be included in the scope of the present invention.

Claims

What is claimed is:

1. A payment processing method, characterized in that the method comprises:
Obtaining a payment processing request generated after the target order payment fails, where the payment processing request includes at least the payment information and the user information corresponding to the target order;
Performing a risk assessment on the target order according to the user information;
The target order is advanced in response to the risk assessment result.

2. The method according to Claim 1, wherein the performing the advance processing on the target order comprises: advancing the target order;
Generating an extension order corresponding to the target order;
A delayed payment operation on the target order is completed within a preset time period based on the deferred order.

3. The method according to Claim 1, wherein the performing risk assessment on the target order according to the user information comprises:
Obtaining historical behavior data corresponding to the user information;
Performing a risk assessment on the target order based on the historical behavior data.

4. The method according to Claim 3, wherein the historical behavior data corresponding to the user information comprises a total number of historical payments corresponding to the user information and a historical payment result;
Performing a risk assessment on the target order according to the historical behavior data, including:
Calculating a historical successful payment proportion corresponding to the user information according to the total number of historical payment corresponding to the user information and the historical payment result;
If the historical successful payment ratio is greater than the successful payment ratio threshold, the target order passes the risk assessment.

5. According to the method in Claim 1, its characteristic of the method including:
Verifying customer validity based on the user information;
After the verification result is valid, the step of performing risk assessment on the target order according to the user information is performed.

6. The method according to any one of Claims 2 to 5, wherein the completing the delayed payment operation on the target order within a preset time period based on the deferred order comprises:
Obtaining a payment order corresponding to the deferred order, performing payment processing within a preset time period based on the payment order, and outputting a payment processing result.

7. According to the method in Claim 6, its characteristic of the method including:
Obtaining a user-initiated deferred payment inquiry request;
Returning the delayed payment result of the deferred order according to the deferred payment inquiry request.

8. A payment processing apparatus, characterized in that the apparatus comprises:
An obtaining module, configured to obtain a payment processing request generated after the target order payment fails, where the payment processing request includes at least the payment information and the user information corresponding to the target order;
A risk assessment module, configured to perform risk assessment on the target order according to the user information;
The advance processing module is configured to perform the advance processing on the target order in response to the risk assessment result.

9. The apparatus according to Claim 8, wherein the advance processing module comprises:
An advancement unit, configured to advance the target order;
An order generating unit, configured to generate a deferred order corresponding to the target order;
And a payment processing unit, configured to complete a delayed payment operation on the target order within a preset time period based on the deferred order.

10. The apparatus according to Claim 8, wherein the risk assessment module is configured to acquire historical behavior data corresponding to the user information, and perform risk assessment on the target order according to the historical behavior data.

11. The apparatus according to Claim 10, wherein the historical behavior data corresponding to the user information comprises a total number of historical payments corresponding to the user information and a historical payment result;
The risk assessment module is configured to calculate a historical successful payment proportion corresponding to the user information according to the total number of historical payment corresponding to the user information and a historical payment result;
if the historical successful payment ratio is greater than a successful payment ratio threshold, the target order is passed through a risk assessment.

12. The apparatus according to Claim 8, wherein the apparatus further comprises:
A verification module, configured to verify customer validity according to the user information;
The risk assessment module is configured to perform the step of performing risk assessment on the target order according to the user information, after the verification result is valid.

13. The apparatus according to any one of Claims 9 to 12, wherein the payment processing unit is configured to acquire a payment order corresponding to the deferred order, and perform payment according to the payment order within a preset time period. Process and output payment processing results.

14. The apparatus according to Claim 13, wherein the apparatus further comprises:
The query processing module is configured to obtain a user-initiated deferred payment query request, and return a delayed payment result of the deferred order according to the deferred payment query request.

15. A computer readable storage medium, characterized in that the computer readable storage medium stores at least one instruction. When executing the instruction, it implements the payment processing method according to any one of Claims 1 to 7.