CN107301551A - Method, device, the system searched for, inquire about, verified before a kind of network payment - Google Patents

Method, device, the system searched for, inquire about, verified before a kind of network payment Download PDF

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Publication number
CN107301551A
CN107301551A CN201710577426.7A CN201710577426A CN107301551A CN 107301551 A CN107301551 A CN 107301551A CN 201710577426 A CN201710577426 A CN 201710577426A CN 107301551 A CN107301551 A CN 107301551A
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China
Prior art keywords
beneficiary
payment
network
network payment
authentication
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Granted
Application number
CN201710577426.7A
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Chinese (zh)
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CN107301551B (en
Inventor
刘兴丹
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Nanjing Pushang Information Technology Co.,Ltd.
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刘兴丹
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Priority to CN201710577426.7A priority Critical patent/CN107301551B/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Abstract

The invention discloses a kind of method searched for, inquire about, verified before network payment, device, system, including：The page is paid into intelligent movable equipment；Search engine and multiple input fields are provided with the payment page, paying party is according to prompt message, in charge slip bit field, payee column, thing in column, address field, and input will inquire about the information of beneficiary, click on search button, scanned for by network；Wherein, the payment page provides corresponding option and content, is selected and is submitted by clicking on；And show the credit grade of the beneficiary accounts information；Meanwhile, paying party selection, set the beneficiary to pass through the option collected money after authentication；Wherein, the authentication is made up of multiple collection terms, and the beneficiary carries out the authentication, could be gone to fund in the beneficiary account by collection terms one of them described；The collection terms, including：Recognition of face checking or personal identification papers's checking；And set the collection terms to be then in order to which the object for ensureing fund payment is the beneficiary by checking.

Description

Method, device, the system searched for, inquire about, verified before a kind of network payment
Technical field
Before a kind of authentication, more particularly to network payment by the transfer of accounts, pass through network search query and setting Withdrawal condition, authentication is carried out to beneficiary.
Background technology
Of all shapes and colors in existing telecommunication fraud, means are various.But, final purpose is all based on defrauding of money The purpose wanted.Many times, lamb is swindled because of can not correctly recognize swindler.Come to a certain extent Say, as long as victim can successfully identify that other side is to implement swindle, just can effectively prevent the generation of swindle.
The content of the invention
To solve problem of the prior art, the present invention is provided before a kind of remittance, search, inquiring and authenticating payee account and use The service of name in an account book true identity information.User judges whether to need to be transferred accounts, remitted money according to the result of checking.Paying party is being paid It before money, can set, require that beneficiary carries out authentication in withdrawal.
To achieve the above object, the invention provides a kind of method searched for, inquire about, verified before network payment, its feature It is, this method is applied to search and authentication before network payment, this method includes：
The page is paid into intelligent movable equipment；
Be provided with search engine and multiple input fields in the payment page, paying party according to prompt message, charge slip bit field, Payee column, thing are in column, address field, and input will inquire about the information of beneficiary, click on search button, are searched by network Rope；Wherein, the payment page provides corresponding option and content, is selected and is submitted by clicking on；And show described The credit grade of beneficiary accounts information；
Meanwhile, paying party selection, set the beneficiary to pass through the option collected money after authentication；Wherein, the identity Checking is made up of multiple collection terms, and the beneficiary carries out the authentication, by collection terms one of them described Fund can be gone in the beneficiary account；The collection terms, including：Recognition of face checking or personal identification papers's checking；
Also, payer selection setting is transferred accounts amount, or when Payment Amount is more than certain amount, network payment server needs The beneficiary, which carries out fund after the authentication, can just go in the beneficiary account；
The network payment server is received and retrieved, inquires about the information associated with the beneficiary, and verifies the gathering Relation between square account and the search information；
The result is sent corresponding to input field described in the intelligent movable device screen by the network payment server In position and the payment page；
In the payment page, the paying party receives the result of the network payment server, enters according to the result Row associative operation, including：
The result is shown as safety, can carry out network payment transaction；
The result is shown as swindle, malice, and user can the operation of self termination network payment；
The network payment server performs corresponding delivery operation according to user operation instruction and the result.
Further, the network payment server is received and retrieved, inquires about the information associated with the beneficiary, and The relation between the beneficiary account and the search information is verified, including.
Further, it is whether correct between checking account and user name.
Further, inquire about account described in the beneficiary in networking credit database and the user name whether there is Swindle, non-honest behavior and whether in blacklist.
Further, access keywords database is set up, analyzes, judge the payee for its understanding that the paying party is filled in, receive Money unit, post, the origin of an incident, address and post whether there is fraud risk.
Further, judge whether account described in the beneficiary matches with information in the input field.
Further, the network payment server performs corresponding pay according to user operation instruction and the result Operation, including.
Further, beneficiary account described in the network payment server authentication and fill message are safety, are received simultaneously Perform network payment transfer operation.
Further, the gathering rule set according to the network payment server, collecting account is described to receive first Paying party is remitted money, and is carried out delay in 24 hours and is transferred accounts to family.
Further, transferred accounts according to setting amount, carry out corresponding transfer operation.
Further, when the result has risk, user continues to implement network payment, and the network payment server is certainly It is dynamic to require that the beneficiary needs to carry out the authentication, including：The recognition of face checking, identity card identification checking, lead to Remittance of transferring accounts can be just received after crossing one of which checking.
Further, the payment page provides corresponding option and content, is selected and is submitted by clicking on, also wrapped Include.
Further, password is inputted, identity registration is carried out.
Further, by network payment server online query payee's identity information, Query Result is passed through The mode of multi-option is shown in the payment page.
Further, user could carry out network payment after clicking on selection the correct option.
Further, the network payment server performs corresponding pay according to user operation instruction and the result Operation, in addition to.
Further, when beneficiary described in the payment direction is paid the bill, the paying party payment arrives first at described Network payment server platform account.
Further, then by the way that the network payment server platform is to the beneficiary progress authentication and pays Money.
Further, the device searched for, inquire about, verified before a kind of network payment, it is characterised in that including.
Further, payment module, the page is paid for entering intelligent movable equipment.
Further, search module, for being provided with search engine and multiple input fields, paying party in the payment page According to prompt message, in charge slip bit field, payee column, thing in column, address field, input will inquire about the information of beneficiary, point Search button is hit, is scanned for by network；Wherein, the payment page provides corresponding option and content, by click on into Row selection and submission；And show the credit grade of the beneficiary accounts information.
Further, authentication module, for simultaneously, the paying party to select, sets the beneficiary to pass through identity The option collected money after checking；Wherein, the authentication is made up of multiple collection terms, and the beneficiary carries out the identity and tested Card, could be gone to fund in the beneficiary account by collection terms one of them described；The collection terms, including： Recognition of face checking or personal identification papers's checking.
Further, authentication submodule, is used for also, payer selection setting is transferred accounts amount, or works as Payment Amount During more than certain amount, fund can just go to described after the network payment server needs beneficiary progress authentication In beneficiary account.
Further, server retrieval module, receives and retrieves for the network payment server, inquires about and received with described The associated information in money side, and verify the relation between the beneficiary account and the search information.
Further, delivery module, sends the result to the intelligent movable for the network payment server In the corresponding position of input field described in device screen and the payment page.
Further, judge module, in the payment page, the paying party to receive the network payment server The result, according to the result carry out associative operation, including.
Further, the first judging submodule, is shown as safety for the result, can carry out network payment transaction.
Further, the second judging submodule, is shown as swindle, malice, user can self termination net for the result Network delivery operation.
Further, server payment module, for the network payment server according to user operation instruction and checking As a result, corresponding delivery operation is performed.
Further, the network payment server is received and retrieved, inquires about the information associated with the beneficiary, and The relation between the beneficiary account and the search information is verified, including.
Further, the first authentication module, it is whether correct between account and user name for verifying.
Further, the second authentication module, for networking credit database in inquire about account described in the beneficiary and Whether the user name is with the presence or absence of swindle, non-honest behavior and in blacklist.
Further, the 3rd authentication module, for setting up access keywords database, analyzes, judges what the paying party was filled in Its payee understood, payee, post, the origin of an incident, address machine post whether there is fraud risk.
Further, the 4th authentication module, be for judging account described in the beneficiary with information in the input field No matching.
Further, the network payment server performs corresponding pay according to user operation instruction and the result Operation, including.
Further, the first performing module, for beneficiary account described in the network payment server authentication and is filled in Information is safety, receives and performs network payment transfer operation.
Further, the second performing module, for the gathering rule set according to the network payment server, account of collecting money Carry out delay in 24 hours to receive the paying party remittance first and transfer accounts to family in family.
Further, the 3rd performing module, for amount of being transferred accounts according to setting, carries out corresponding transfer operation.
Further, the 4th performing module, when there is risk for the result, user continues to implement network payment, institute State network payment server and require that the beneficiary needs to carry out the authentication automatically, including：The recognition of face checking, Identity card identification is verified, remittance of transferring accounts can be just received after being verified by one of which.
Further, the payment page provides corresponding option and content, is selected and is submitted by clicking on, also wrapped Include.
Further, real name Registration Module, for inputting password, carries out identity registration.
Further, multi-option module, for by network payment server online query payee's identity information, Query Result is included in the payment page by way of multi-option.
Further, selecting module, network payment could be carried out after clicking on selection the correct option for user.
Further, Third-party payment module, when being paid the bill for beneficiary described in the payment direction, the paying party branch Pay the bill and arrive first at the network payment server platform account.
Further, Third-party payment submodule, for again by the network payment server platform to the gathering Authentication described in Fang Jinhang and payment.
Further, the system searched for, inquire about, verified before a kind of network payment, it is characterised in that including.
Further, intelligent movable equipment, before network payment, paying party input beneficiary identity information carries out networking and searched Rope, checking；Paying party setting options are, after beneficiary is by authentication, can just receive remittance.Payment is realized before payment Side is to the examination of beneficiary identity information and the setting of completion collection terms.
Further, network payment server, receives and intelligent movable equipment is searched in special network server and submit Search information, after search result is arranged, process, be back in the payment page of intelligent movable equipment.And according to paying party The collection terms of setting, authentication is carried out to beneficiary.
Further, special network server, the real information data check for providing beneficiary takes to network payment Device, the intelligent movable equipment of being engaged in provide private network coded communication.
In embodiments of the present invention：By before network payment by the transfer of accounts, being carried out to the subscriber identity information of the beneficiary Online query verifies that these information can help the paying party to make a correct decision.By connecting social security personal information Network and police network and the blacklist account database of bank, the effectively true letter for inquiring the beneficiary of authority Breath.And analyze dictionary by setting up independent intelligent decision and carry out Intelligent Measurement, payment risk is analyzed, ultimately forms and comprehensive sentences Disconnected result.Inquired about by the network payment server, be conducive to accurate, the authority of Query Result.It also assures that inquiry As a result the security of payee's privacy information.
The collection terms that the paying party is set, are that beneficiary described in requirement will be by ability after the authentication Remittance is transferred in the account of itself.Verification mode is divided into again：Network verification and sales counter checking.Pass through the use of the authentication Family, is user trusty.Inquiry before remittance can be verified to the identity information of payee before payment, examined.And set It is then in order to which the object for ensureing fund payment is the beneficiary by checking to put the collection terms.
Technical scheme in order to illustrate the embodiments of the present invention more clearly, makes required in being described below to embodiment Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for For those of ordinary skill in the art, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings Accompanying drawing.
Fig. 1 is that search before a kind of network payment that the embodiment of the present invention is introduced from system using angle, inquiry, checking are The schematic diagram of system.
Fig. 2 be the embodiment of the present invention from pay search before a kind of network payment that the actual use angle of the page is introduced, inquiry, The flow chart of the method for checking.
Fig. 3 is that the embodiment of the present invention is searched for before a kind of network payment of search and intellectual analysis angle introduction, inquires about, tested The flow chart of the method for card.
Fig. 4 is search, inquiry, checking before a kind of network payment that the embodiment of the present invention is introduced from intelligent delivery operation angle Method flow chart.
Fig. 5 is that the embodiment of the present invention is searched for before a kind of network payment for paying page multi-option angle introduction, inquires about, tested The flow chart of the method for card.
Fig. 6 is that the embodiment of the present invention is searched for before a kind of network payment of Third-party payment platform angle introduction, inquires about, tested The flow chart of the device of card.
Fig. 7 is the embodiment of the present invention to be searched for before terminal pays a kind of network payment that page actual use aspect is introduced, Inquiry, the block diagram of the device of checking.
Search for, look into before a kind of network payment that Fig. 8, which is the embodiment of the present invention, to be introduced in terms of the terminal searching and intellectual analysis The block diagram for the device ask, verified.
Search, inquiry, checking before a kind of network payment that Fig. 9, which is the embodiment of the present invention, to be introduced in terms of the intelligent delivery operation Device block diagram.
Figure 10 is one kind that the embodiment of the present invention is introduced in terms of page multi-option is paid and in terms of Third-party payment platform The block diagram for the device searched for, inquire about, verified before network payment.
Embodiment
In order that those skilled in the art more fully understand the present invention program, below in conjunction with the embodiment of the present invention Accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is only The embodiment of a part of the invention, rather than whole embodiments.Based on the embodiment in the present invention, ordinary skill people The every other embodiment that member is obtained under the premise of creative work is not made, should all belong to the model that the present invention is protected Enclose.
The embodiment of the present application provides search before a kind of network payment, inquiry, the system of checking, and the system is applied to network Before payment, intelligent movable equipment sets gathering authentication by network payment server, and is inquired about to special network server Beneficiary identity information.Fig. 1 is refer to, is searched before a kind of network payment that the embodiment of the present invention is introduced from system using angle Rope, inquiry, the schematic diagram of the system of checking.
As shown in figure 1, the system includes：
1st, intelligent movable equipment, before network payment, paying party input beneficiary identity information carries out networking search, checking；Pay Money side's setting options are, after beneficiary is by authentication, can just receive remittance.Realize paying party to beneficiary before payment The examination of identity information and the setting for completing collection terms.
2nd, network payment server, receives and is searched in special network server the search letter that intelligent movable equipment is submitted Breath, after search result is arranged, process, is back in the payment page of intelligent movable equipment.And the receipts set according to paying party Money condition, authentication is carried out to beneficiary.
3rd, special network server, the real information data check for providing beneficiary to network payment server, is moved Dynamic smart machine provides private network coded communication.
In summary, intelligent movable equipment is withdrawn the money by function of search and to beneficiary and set when carrying out network payment Authentication.Realize before payment, the information to beneficiary carries out the effect of an online query checking.Intelligent movable equipment The authority of dereference special network server is realized by network payment server, it is ensured that the information inquired is that have authority Property.
The embodiment of the present application provides search before a kind of network payment, inquiry, the method for checking, and this method is applied to network Search and authentication before payment.Fig. 2 is refer to, is the embodiment of the present invention from paying the actual use angle of the page is introduced one Plant search before network payment, inquiry, the flow chart of the method for checking.
As shown in Fig. 2 this method includes：
S101 enters intelligent movable equipment and pays the page；
The intelligent movable equipment is the communication equipment with network payment function, can be divided into movement or fix two class products. The payment page is shown in the intelligent movable device screen, carries out the page of network payment transaction.
Specifically, in the screen of mobile phone, tablet personal computer or desktop computer, showing the payment page of network payment transaction Face.The payment page enters the transmission of row information by network transmission mode wirelessly or non-wirelessly.
S102 is provided with search engine and multiple input fields in the payment page, and paying party is being received according to prompt message Money unit column, payee column, thing are in column, address field, and input will inquire about the information of beneficiary, click on search button, pass through net Network is scanned for；Wherein, the payment page provides corresponding option and content, is selected and is submitted by clicking on；And show It is shown with the credit grade of the beneficiary accounts information；
In the input field of the payment page, input needs the content searched for, and clicks on search button, passes through the search Search, the inquiry of engine implementation information.The side of the input field is labeled with the type and content of information to be searched, the input The opposite side on column, provided with search result viewing area.And in the payment page, show an overall risk checking and evaluate As a result.The input field is increased or decreased according to actual needs, and its content represented can also be different.
By clicking on the drop-down list icon of the input field or the input field edge, a plurality of content is shown.It is each Content in the individual input field is all different, is both provided with corresponding content for selection.These contents are all by analysis Summary, the content of classification setting, with certain representativeness.Also, the input field only provides the content of input.
The intelligent movable equipment connects the network payment server by wireless network.The network payment service The dedicated network such as device platform and social security network, police network, banking data base, sets up the link queries checking of information.Test Card result is passed back to by the network payment server to be initiated in search, the intelligent movable equipment of checking.The input Content to be entered is classified on column, in search procedure, realizes that systematic searching and correspondence show search result.
In the payment page, it is additionally provided with from option, the content shown from option, is that the network payment server is carried For the foundation of an intelligent decision.Inputted by the selection of yes/no.After the completion of selection input, the network branch is submitted to Online query checking is carried out in pay server.And by intellectual analysis, judge content information, generate the result, pass back to institute State in intelligent movable equipment.
In the payment page, after account, the user name described in input other side, it can be seen that corresponding financial status. When the account transaction count is relatively fewer, wholesale is transferred accounts when collecting money, it is necessary to by the authentication.But, with just The increase of normal transaction count, receiving the minimum amount of remittance can also improve therewith.
Specifically, in the input field of payee is labeled with, inputting the unit information that the beneficiary is provided, entering Row inquiring and authenticating.By that analogy, on payee column, thing is in column, address field by the corresponding content of prompting input.Wherein, the origin of an incident Fill in relatively flexible.
Content in option is by arrangement, such as：Payee is provided with government, enterprise, individual, other multi-options. Click on after selection " other ", eject the operation that the input field is inputted.In independent selectionbar, it is by clicking on to choose Or no mode is filled in.Option content includes, for example：This time whether payment is first payment.Requestee recognizes with payee Knowledge time, one day, a week, one month, 1 year.At home whether payee.
Yes/no is selected, completion is filled in accordingly.And together with the other guide filled in, click on virtual search button, upload The information to be searched for is inquired about into the network payment server, retrieved.
Also, the paying party is after selection is set, it is also an option that it is described to set the beneficiary identity to have to comply with Information in input field, could pay the bill.And these information are inquired about by civil administration talent market system.Also include：It is public Peace system, the information of bank's registration etc., the inquiry and checking of authority is carried out to the information to be searched for.
S103 simultaneously, paying party selection, sets the beneficiary to pass through the option collected money after authentication；Wherein, The authentication is made up of multiple collection terms, and the beneficiary carries out the authentication, by being received one of them described Money condition could go to fund in the beneficiary account；The collection terms, including：Recognition of face checking or in person identity Results is demonstrate,proved；
The paying party can set and be collected money after authentication described in the beneficiary.The paying party is after network payment, institute Stating beneficiary will be transferred accounts into the account of the beneficiary by that could be remitted money after the authentication.Wherein, the identity is tested Card is made up of multiple collection terms.Whether the paying party need to only be chosen wants the beneficiary to carry out the authentication Option.And a variety of verification modes in option, therein a kind of verified voluntarily is selected by payee.Wherein, brush face Verification mode suitable for carrying out network payment the intelligent movable equipment.Then it is suitable for for checking ID card information Verified in the sales counter of bank.One is verified by wireless network, and one is verified by backing entity.
Specifically, when carrying out network payment, described in the paying party select to require that payee must carry out before payment It could be collected money after authentication.The beneficiary is collected, it is necessary to be paid using described using what mobile phone, tablet personal computer were remitted money Face identification functions in the page, carry out recognition of face to the payee in account, after being verified, can just receive remittance. If the beneficiary is the reception remitted money in bank, it is necessary to be verified to bank by identity card, pass through rear, ability Receive fund.The authentication is carried out to bank, sales counter can be arrived and handled.Related intelligent terminal can also be passed through Equipment carries out the checking of identity card, without waiting in line.
S104 also, payer selection setting is transferred accounts amount, or when Payment Amount is more than certain amount, network payment clothes Business device, which needs the beneficiary to carry out fund after the authentication, can just go in the beneficiary account；
During network payment, when can set the transfer amounts to reach some amount of money, open and the identity is carried out to the beneficiary tested Card.The size of the amount of money is configured by the paying party in the payment page.Further, when the amount of money is more than some numerical value When, the network payment server will the beneficiary progress authentication described in automatic start.Only pass through the identity After checking, remittance can just transfer accounts into the account of the beneficiary.Meanwhile, the network payment server by intelligent decision, According to the difference of dollar amount in account, the upper limit of the different authentication amount of money is set.
Specifically, the paying party sets the amount of money, when network payment reaches the amount of money of setting in the payment page Afterwards, automatically turn on the beneficiary and carry out the authentication in gathering.When the amount of money is set more than the network payment server The maximum of deposit volume, in transfer procedure, system requires that gathering could collect money after the authentication automatically.Pass through intelligence Can analysis, the network payment server is according to the difference of the amount of money in account, when setting the maximum dollar amount of the authentication, Specific dollar amount is different.
Network payment server described in S105 is received and retrieved, inquires about the information associated with the beneficiary, and is verified Relation between the beneficiary account and the search information；
The information in information and option in the input field passes through the network payment server after the completion of filling in, selecting The search engine provided, the information that will be searched for uploads to progress special line online query in the network payment server. The search engine in the network payment server, according to the content of reception, carries out corresponding search and inquiry.Typically The inquiry of relevant information is carried out in equipment guarantee career site, police network, bank network.The result of inquiry is received with described Money side's accounts information carries out intellectual analysis, checking, and draws the result.Meanwhile, the information of inquiry is secrecy, also, not The result of inquiry can be directly fed back in the payment page of the paying party.Pass through " search information and checking information Unanimously ", the suggestive feedback of the information such as " search information and checking information are inconsistent ", " being verified ", " checking does not pass through " is arrived In the intelligent movable equipment for proposing search.
The network payment server receives the related information of parallel-connection network retrieval, and its information searched for is in service-specific The inquiring and authenticating carried out in device or network.Dedicated network is accessed, itself needs by checking, examine registration.
Specifically, the search engine in the network payment server, by connecting dedicated network to searched Information is inquired about, examined.Dedicated network refers to the information, the information in police network, silver registered in social employment network Register information in row network, and the network data base and related credit data that the network payment server itself is set up Storehouse.
The network payment server judges corresponding payment risk grade, from safety to danger by intellectual analysis. And according to different safe classes, feed back corresponding prompt message.In payment process, corresponding delivery operation is performed.Together When, the sincere record of verification payee.
The result is sent to described in the intelligent movable device screen and inputted by network payment server described in S106 In the corresponding position in column and the payment page；
For search result, the information of the network payment server feedback is corresponding to be shown in the input field rear.It is each It is corresponding in the individual input field to have a feedback information.And the result of summary is shown in the payment page, and Related risk assessment suggestion is provided.The payment is allowed more preferably to make correct judgement.So, testing for information can be completed Card, and the individual privacy information of the beneficiary can be protected not to be stolen.
Specifically, the network payment server by search for, checking result be sent to the paying party user mobile phone, In tablet personal computer or desktop computer.At multiple input field rears, each described input field rear shows corresponding The result.In the payment page, the result is shown.The paying party is decided whether according to the result Carry out network payment remittance.
S107 is in the payment page, and the paying party receives the result of the network payment server, and foundation is tested Demonstrate,prove result and carry out associative operation, including：
S108 the results are shown as safety, can carry out network payment transaction；
S109 the results are shown as swindle, malice, and user can the operation of self termination network payment；
The paying party sees the result of checking in the payment page, it can however not seeing the specific letter of the beneficiary Breath.The paying party independently decides whether to carry out remittance operation according to the result.The network payment server will be drawn As a result it is sent in the intelligent movable equipment for proposing searching request, in the input field of the payment page, respectively Correspondence shows the Query Result of correlation.And include overall analysis result in the payment page, for the paying party Referred to before payment.When being shown as safe, the payment of the paying party is comparatively safe.But, when prompting is shown as high During the risk of position, user can terminate payment transaction.
Specifically, the result of inquiring and authenticating is returned in mobile phone, tablet personal computer or desktop computer, and specifically it is shown in institute State after input field, it is described to pay the ultimate risk result that the network payment server formation is shown in the page.And according to difference Level of security, come out with different color displays.Such as：Safety is indicated with green, and danger is indicated with red.Institute Result of the paying party according to inquiry is stated, can select to pay or terminate payment.If still can not determine whether to pay, pass through Selection is set, it is desirable to after the beneficiary is by the authentication, and remittance can just transfer accounts to family.
Network payment server described in S110 performs corresponding delivery operation according to user operation instruction and the result.
The network payment server receives the operational order that paying party described in the intelligent movable device end is sent, and Perform corresponding operation.When the network payment server authentication result is the beneficiary account that there is excessive risk, but institute State paying party and also continue to occur payment behavior, system can require that the beneficiary carries out the authentication automatically.The network Paying server is implemented in real time to account or the operation to the differentiationization of account in 24 hours according to different safe classes.Detecting During high adventure account, related information is sent to police network platform and retained as corresponding clue.And it is possible to Transaction is terminated, or, the beneficiary could continuous business after the authentication.
Specifically, after the paying party sends payment instruction, the network payment server is according to the beneficiary account The safe class at family implements the network payment of differentiation.When the beneficiary and account are detected as safety, implement in real time to account behaviour Make.When the beneficiary account has potential safety hazard, implement to operate to account for 24 hours.When the beneficiary, excessive risk occur hidden , it is necessary to which the beneficiary can just receive a remittance after the authentication when suffering from.When there is fraudulent act record, the net Network paying server can terminate network trading, and correlation remittance is returned in the account of the paying party.Can be with 24 hours The wholesale for limiting the paying party account is transferred accounts.
In summary, before network payment, networking search inquiry can be carried out to the identity information of the beneficiary, and The result of inquiry is passed back in the payment page.Also, some subsidiary results for being conducive to the paying party to judge are sent Into the payment page.So, the paying party just can carry out an authentication before payment to the beneficiary, The paying party is conducive to recognize the true identity of the beneficiary.And according to the result of retrieval, decide whether to be propped up Pay, remit money.Also, before payment, can active selection, set, it is desirable to the beneficiary is carried out after the authentication Gathering.So, it may be determined that the identity information of the beneficiary.Meanwhile, the network payment server can be to the gathering Fang Jinhang checkings, inquiry.Wherein, the information inputted by the paying party is inquired about, and is also included：Pass through the network payment The Intelligent Recognition of server itself.Complete related Intelligent Recognition to the beneficiary, judge, and perform corresponding operation. Wherein, paying party search beneficiary and the setting collection terms, are the Proactive authentication behaviors of the paying party individual, described During network payment, it can use, can also be without using.When beneficiary is people trusty or unit, the paying party Without being verified, network payment is directly carried out.
Fig. 3 is refer to, search before a kind of network payment that to be the embodiment of the present invention introduce from search and intellectual analysis angle, Inquiry, the flow chart of the method for checking.
As shown in figure 3, this method includes：
Whether S202 verifies correct between account and user name；
According to the inquiry of the account of input, check whether the corresponding user name is consistent.If consistent, it is possible to Enter detection, the inquiry of next step.
Specifically, checking, verifying whether the account of the beneficiary is consistent with the user name, confirmation is not filled in Mistake.If consistent, the credit record of correlation is next just inquired about in credit database.
S203 inquired about in networking credit database account described in the beneficiary and the user name with the presence or absence of swindle, Non-honest behavior and whether in blacklist；
After the completion of verification, by account described in the beneficiary and the user name and its associated real information, in correlation Inquired about in loyalty data warehouse, networking search inquiry its whether have the record of fraudulent act, if by other Relational databases It is classified as black list user.If the sincere and generation without fraudulent act, just the information to search carries out intellectual analysis and comparison.
Specifically, by network, in banking data base, whether the inquiry account has the behavior record of swindle, and related Honesty issue record.The illegal record for whether having correlation is inquired about in public security system.If being exactly relatively without record of bad behavior The account of safety.If record, safety warning information is generated, the paying party is notified, and limit transaction.
S204 sets up access keywords database, analyzes, judges payee, the charge slip of its understanding that the paying party is filled in Position, post, the origin of an incident, address and post whether there is fraud risk；
If inputting and being searched in the intelligent movable equipment, the network payment server is needed to payee and thing By being analyzed according to keyword and intellectual analysis program.Analysis includes intellectual analysis, and the knowledge of information is completed by artificial intelligence Not, checking and analysis judge.It can also be analyzed, be verified by artificial mode.Or carried out just by Computerized intelligent program After step analysis, by manually being audited.The particularly origin of an incident one, manual analysis can preferably draw judged result relatively.
Specifically, the keyword that the network payment server platform is set up according to itself, core is carried out to the beneficiary It is real, and the origin of an incident is judged.If it is judged that being improper money transfer transactions, platform can limit transaction, it is necessary to the gathering Side's checking identity information, or, directly terminate transaction.In delay course of payment, the transaction that result has risk is submitted to Manually checked, obtain final judged result, and perform corresponding result.Wherein, mainly verify that the beneficiary is It is no that there is the possibility swindled.
S205 judges whether account described in the beneficiary matches with information in the input field.
During artificial intelligence analysis, account, the user name described in the beneficiary and searched inquiry are compared Whether the name in payee column is consistent, and the related unit of search, the origin of an incident, address information, is analyzed, matched and is verified, Whether intellectual analysis goes out relevant information reasonable.And judged result is generated, provide a good ginseng for the payment of the paying party Test the foundation of card.
Specifically, the information content of search is carried out with inquiring the account and the corresponding personal information of the user name Compare, examine.Finally, comparison result and intellectual analysis result are formed.And send the two result to the intelligent movable equipment The payment page in.It can also be pointed out using corresponding color.
In summary, whether the network payment server is correct between the account and the user name by examining, And the credit information in inquiry correspondence database.Keyword database and intelligence that the network payment server is set up according to itself Energy analysis system, the account to the beneficiary carries out Intelligent Measurement, and passes through search result and the account, the user name It is associated analysis.The result of analysis is sent in the intelligent movable equipment of the paying party, is used as one before payment Reference frame.When it is substantially the presence of fraudulent act to find the account, the network payment server platform can be directly whole Only transaction payment.And processing reason and result are sent in the intelligent movable equipment of the paying party and informed, move back Returned money is into the paying party account.
Fig. 4 is refer to, is that the embodiment of the present invention is searched for before a kind of network payment of intelligent delivery operation angle introduction, looked into The flow chart for the method ask, verified.
As shown in figure 4, this method includes：
Beneficiary account described in network payment server authentication described in S302 and fill message are safely, to receive and perform network branch Pay transfer operation；
The network payment server is verified as safety to the account and the user name of the beneficiary, then can be very short Time in will remittance go in the account of the beneficiary.Also, do not need the beneficiary to carry out the authentication just It can transfer accounts, withdraw the money, withdraw deposit.
Specifically, the account of the beneficiary is the account of a safety, the network payment server directly will remittance In the account for going to the beneficiary at once.Also, the gathering can freely withdraw deposit, transfer accounts.
The gathering rule that S303 is set according to the network payment server, collecting account is to receive the paying party first Remittance, carries out delay in 24 hours and transfers accounts to family；
According to the rule of setting, when the account of the beneficiary is to receive the remittance of the paying party payment first, system meeting Remittance, is transferred in the account of the beneficiary by self-clocking after 24 hours.
Specifically, fund is remitted the beneficiary by the paying party by network payment first, the beneficiary is 24 It can just be received a remittance after hour.
S304 transfers accounts amount according to setting, carries out corresponding transfer operation；
According to the difference for setting the amount of money, network payment by the transfer of accounts reaches the amount of money of setting, will require that the beneficiary is carried out automatically The authentication.After the beneficiary is by checking, remittance can just be gone in the account of the beneficiary at once.Also, The network payment server in itself there is certain payment to limit.When money transfer amount reaches certain amount of money, quantity, System can require that the beneficiary carries out the authentication automatically.If the beneficiary is always maintained at good letter of credit State, is just considered as reliable account.The network payment server can also be improved to the maximum upper limit of its collection amount.
Specifically, in the payment page, transfer amounts are set, when transfer amounts reach the number pre-set, Remitted money, recipient, which is accomplished by the fund after the authentication, could arrive account and withdrawal.When reaching the network payment During the maximum dollar amount of server settings, system requires that the beneficiary could pay the bill after carrying out the authentication automatically.System The maximum dollar amount of setting is divided into Flat Amount and credit, and Flat Amount is a fixed value.Credit is according to described The credit grade of beneficiary is set come the maximum dollar amount carried out, and the maximum dollar amount upper limit of different accounts is different.Described pair Money side can also freely be selected in Flat Amount and credit.
When S305 the results have risk, user continues to implement network payment, and the network payment server automatically will The beneficiary is asked to need to carry out the authentication, including：The recognition of face checking, identity card identification checking, by it In one checking after can just receive remittance of transferring accounts.
In the network payment server, if the result, which is the beneficiary, has risk.But, the payment Fang Yiran carries out remittance of transferring accounts, and the network payment server can require that the beneficiary carries out the identity in transfer procedure After checking, it could pay the bill and arrive the beneficiary.
The search information that system is inputted according to the paying party carries out intelligent decision, if there is risk, or, collect money institute State account or payee has exception.System can require that payee could be collected money after carrying out the authentication.Otherwise, Remittance will be unable in the account of arrival payee.
Specifically, the network payment server finds that the account of the beneficiary has security risk.During this, The paying party is paid the bill.The network payment server needed when the beneficiary automatically can be arranged into gathering into The row authentication.After checking, remittance can just squeeze into the account of the beneficiary.And it is possible to increase multiple described Authentication is implemented to verify to the beneficiary.Such as：The cell-phone number of binding, the mode such as recognition of face.
In summary, the network payment server receives the payment instruction of the paying party, and is held according to payment instruction The corresponding operation of row.According to the difference of the result, different operational orders are performed.Wherein, safety is verified as, to the time of account Also can be faster.The account and the user name of the beneficiary are more dangerous, more long to the account time, or even terminate payment. Wherein, including：Account is arrived in real time, and 24 hours arrive account, are set by the Payment Amount upper limit, and payment exceedes the amount of money upper limit, the gathering Account is arrived after authentication described in Fang Shixian.According to risk class, the network payment server can terminate transferring accounts for excessive risk Business.
Refer to Fig. 5, be the embodiment of the present invention from pay search before a kind of network payment that page multi-option angle is introduced, Inquiry, the flow chart of the method for checking.
As shown in figure 5, this method includes：
S401 inputs password, carries out identity registration；
Input password can guarantee that the inquiry of the paying party is, by registration, and to have carried out record storage in the server.When , can the most fast user profile for finding real name registration and inquiry when the beneficiary account that is queried is stolen.
Specifically, inputting password in the payment page, the registration of identity information is automatically performed, query page is logged in.
Query Result is passed through multi-option by S402 by network payment server online query payee's identity information Mode be shown in it is described payment the page in；
The result of inquiry is passed back to the shifting by the network payment server by the identity information of network inquiry payee In dynamic smart machine, the information of display is the raw information for passing through the result arranged, rather than the beneficiary.Also, passback To the information in the intelligent movable equipment, also include some wrong and unrelated information.The payment page is shown in jointly In face, click on, select for the paying party.After the paying party only has selection correct, it could be paid.
Specifically, having unique correct option in the information that the payment page is shown.The answer derives from the net Network paying server verifies the result that the beneficiary true identity is drawn, and by processing, after general description, is shown in institute State in the payment page.Meanwhile, also show some other unrelated or wrong information.The paying party only debug is answered Case, selecting could be paid the bill after correct answer.And to be the beneficiary be supplied in the source of " correct option " described pays The relevant information of money side., can be normal when consistent between the information for information and the paying party checking that the beneficiary is provided Pay.When information is inconsistent, system can limit payment or terminate and pay.
S403 user could carry out network payment after clicking on selection the correct option.
In multiple options, only one of which is correct option.Furthermore, it is desirable to complete the selection of information within the time of restriction And click on input.Also, after selection mistake, one group of other information can be updated and selected again, continuous 3 selections mistake, institute The delivery operation of correlation will be terminated by stating network payment server.
Specifically, in the payment page, showing citizen, doctor, sportsman, leather businessman, non-profit organization. The real identity of beneficiary is a doctor, then selection doctor is correct option, and selection doctor can be carried out payment. So, the identity that cheat calls oneself also just is eliminated, the paying party preferably can also be reacted from fraud.
In summary, logged in during the beneficiary information is inquired about, it is necessary to input password.So, it can prevent Only malice by inquiry extracts the identity information of the beneficiary.And send the result of the network payment server lookup Into the payment page, there are other wrong and incoherent information together with transmission.The paying party needs correct click on After validation of information, it could remit money.And correct message reflection is to retrieve in the network payment server, authenticate to the receipts The real identity information of money side, and expressed by way of general, general introduction.During this, more efficiently it can accuse Know the true identity of the beneficiary, but the individual privacy information of the beneficiary will not be revealed.
Refer to Fig. 6, be search before a kind of network payment that the embodiment of the present invention is introduced from Third-party payment platform angle, Inquiry, the flow chart of the device of checking.
As shown in fig. 6, this method includes：
Described in payment direction described in S501 during beneficiary payment, the paying party payment arrives first at the network payment clothes Business device platform account；
S502 carries out the authentication and payment by the network payment server platform to the beneficiary again.
The paying party will be remitted money and directly be imported in the platform account of the network payment server, be received from platform to described Money side's gold transfer operation.During this, if platform can not detect that payee has fraudulent act, fund will be transferred to In the beneficiary account.Wherein, the beneficiary includes individual, unit, businessman.
Specifically, user is remitted money fund by network payment mode, the fund of remittance abroad enters directly into the net In the account of network paying server platform.Remittance is transferred accounts to the account of the beneficiary by the network payment server platform In family.During this, the beneficiary needs the networking checking by platform, just can be by money in the case of no risk Item is paid into the account of the beneficiary.When detection of platform to the beneficiary account has potential safety hazard, friendship will be terminated Easily, and by remittance return in the account of the paying party, and send corresponding refund description to the branch of the paying party Pay in the page.
In summary, the paying party pays fund into the third-party network payment server, by the net Network paying server platform is carried out after online query checking to the identity information of the beneficiary.Fund is paid by platform and arrived In the account of the beneficiary.Need to carry out the beneficiary of the authentication, the beneficiary is needed by the body Part checking, can just receive a remittance.It is related to swindle, terminates and pay and merchandise.
Fig. 7 is refer to, is a kind of network payment that the embodiment of the present invention is introduced in terms of terminal pays page actual use Preceding search, inquiry, the block diagram of the device of checking.
As shown in fig. 7, the device includes：
Payment module 601, the page is paid for entering intelligent movable equipment.
Search module 602, for being provided with search engine and multiple input fields in the payment page, paying party is according to carrying Show information, in charge slip bit field, payee column, thing in column, address field, input will inquire about the information of beneficiary, click on search Button, is scanned for by network；Wherein, the payment page provides corresponding option and content, is selected by clicking on And submit；And show the credit grade of the beneficiary accounts information.
Authentication module 603, for simultaneously, the paying party selection, the beneficiary is set by authentication after The option of gathering；Wherein, the authentication is made up of multiple collection terms, and the beneficiary carries out the authentication, is led to Fund could be gone in the beneficiary account by crossing one of them described collection terms；The collection terms, including：Face is known Not Yan Zheng or personal identification papers checking.
Authentication submodule 604, is used for also, payer selection setting is transferred accounts amount, or when Payment Amount is more than one When quota is spent, network payment server, which needs the beneficiary to carry out fund after the authentication, can just go to the beneficiary In account.
Server retrieves module 605, receives and retrieves for the network payment server, inquires about and the beneficiary phase The information of association, and verify the relation between the beneficiary account and the search information.
Delivery module 606, sends the result to the intelligent movable equipment screen for the network payment server In the corresponding position of input field described in curtain and the payment page.
Judge module 607, in the payment page, the paying party to receive the checking of the network payment server As a result, associative operation is carried out according to the result, including.
First judging submodule 608, is shown as safety for the result, can carry out network payment transaction.
Second judging submodule 609, is shown as swindle, malice, user can self termination network payment for the result Operation.
Server payment module 610, for the network payment server according to user operation instruction and the result, holds The corresponding delivery operation of row.
In summary, before network payment, networking search inquiry can be carried out to the identity information of the beneficiary, and The result of inquiry is passed back in the payment page.Also, some subsidiary results for being conducive to the paying party to judge are sent Into the payment page.So, the paying party just can carry out an authentication before payment to the beneficiary, The paying party is conducive to recognize the true identity of the beneficiary.And according to the result of retrieval, decide whether to be propped up Pay, remit money.Also, before payment, can active selection, set, it is desirable to the beneficiary is carried out after the authentication Gathering.So, it may be determined that the identity information of the beneficiary.Meanwhile, the network payment server can be to the gathering Fang Jinhang checkings, inquiry.Wherein, the information inputted by the paying party is inquired about, and is also included：Pass through the network payment The Intelligent Recognition of server itself.Complete related Intelligent Recognition to the beneficiary, judge, and perform corresponding operation. Wherein, paying party search beneficiary and the setting collection terms, are the Proactive authentication behaviors of the paying party individual, described During network payment, it can use, can also be without using.When beneficiary is people trusty or unit, the paying party Without being verified, network payment is directly carried out.
Fig. 8 is refer to, before a kind of network payment that to be the embodiment of the present invention introduce in terms of the terminal searching and intellectual analysis Search, inquiry, the block diagram of the device of checking.
As shown in figure 8, the device includes：
First authentication module 701, it is whether correct between account and user name for verifying.
Second authentication module 702, for inquiring about account described in the beneficiary and the use in networking credit database Whether name in an account book is with the presence or absence of swindle, non-honest behavior and in blacklist.
3rd authentication module 703, for setting up access keywords database, analyzes, judges its understanding that the paying party is filled in Payee, payee, post, the origin of an incident, address machine post whether there is fraud risk.
4th authentication module 704, for judging whether account described in the beneficiary matches with information in the input field.
In summary, whether the network payment server is correct between the account and the user name by examining, And the credit information in inquiry correspondence database.Keyword database and intelligence that the network payment server is set up according to itself Energy analysis system, the account to the beneficiary carries out Intelligent Measurement, and passes through search result and the account, the user name It is associated analysis.The result of analysis is sent in the intelligent movable equipment of the paying party, is used as one before payment Reference frame.When it is substantially the presence of fraudulent act to find the account, the network payment server platform can be directly whole Only transaction payment.And processing reason and result are sent in the intelligent movable equipment of the paying party and informed, move back Returned money is into the paying party account.
Fig. 9 is refer to, searches for, look into before a kind of network payment that to be the embodiment of the present invention introduce in terms of the intelligent delivery operation The block diagram for the device ask, verified.
As shown in figure 9, the device includes：
First performing module 801, is safety for beneficiary account described in the network payment server authentication and fill message, Receive and perform network payment transfer operation.
Second performing module 802, the gathering for being set according to the network payment server is regular, headed by collecting account It is secondary to receive the paying party remittance, carry out delay in 24 hours and transfer accounts to family.
3rd performing module 803, for amount of being transferred accounts according to setting, carries out corresponding transfer operation.
4th performing module 804, when there is risk for the result, user continues to implement network payment, the network Paying server requires that the beneficiary needs to carry out the authentication automatically, including：The recognition of face checking, identity card Identification checking, can just receive remittance of transferring accounts after being verified by one of which.
In summary, the network payment server receives the payment instruction of the paying party, and is held according to payment instruction The corresponding operation of row.According to the difference of the result, different operational orders are performed.Wherein, safety is verified as, to the time of account Also can be faster.The account and the user name of the beneficiary are more dangerous, more long to the account time, or even terminate payment. Wherein, including：Account is arrived in real time, and 24 hours arrive account, are set by the Payment Amount upper limit, and payment exceedes the amount of money upper limit, the gathering Account is arrived after authentication described in Fang Shixian.According to risk class, the network payment server can terminate transferring accounts for excessive risk Business.
Figure 10 is refer to, is that the embodiment of the present invention is introduced in terms of page multi-option is paid and in terms of Third-party payment platform A kind of network payment before search, inquiry, checking device block diagram.
As shown in Figure 10, the device includes：
Real name Registration Module 901, for inputting password, carries out identity registration；
Multi-option module 902, for by network payment server online query payee's identity information, by Query Result It is shown in by way of multi-option in the payment page.
Selecting module 903, network payment could be carried out after clicking on selection the correct option for user.
Third-party payment module 904, when being paid the bill for beneficiary described in the payment direction, the paying party payment Arrive first at the network payment server platform account.
Third-party payment submodule 905, for being carried out again by the network payment server platform to the beneficiary The authentication and payment.
In summary, logged in during the beneficiary information is inquired about, it is necessary to input password.So, it can prevent Only malice by inquiry extracts the identity information of the beneficiary.And send the result of the network payment server lookup Into the payment page, there are other wrong and incoherent information together with transmission.The paying party needs correct click on After validation of information, it could remit money.And correct message reflection is to retrieve in the network payment server, authenticate to the receipts The real identity information of money side, and expressed by way of general, general introduction.During this, more efficiently it can accuse Know the true identity of the beneficiary, but the individual privacy information of the beneficiary will not be revealed.
The paying party pays fund into the third-party network payment server, is serviced by the network payment Device platform is carried out after online query checking to the identity information of the beneficiary.Fund is paid by platform and arrives the beneficiary Account in.Need to carry out the beneficiary of the authentication, the beneficiary is needed by the authentication, ability Receive a remittance.It is related to swindle, terminates and pay and merchandise.

Claims (10)

1. a kind of method searched for, inquire about, verified before network payment, it is characterised in that this method is applied to before network payment Search and authentication, including：
The page is paid into intelligent movable equipment；
Be provided with search engine and multiple input fields in the payment page, paying party according to prompt message, charge slip bit field, Payee column, thing are in column, address field, and input will inquire about the information of beneficiary, click on search button, are searched by network Rope；Wherein, the payment page provides corresponding option and content, is selected and is submitted by clicking on；And show described The credit grade of beneficiary accounts information；
Meanwhile, paying party selection, set the beneficiary to pass through the option collected money after authentication；Wherein, the identity Checking is made up of multiple collection terms, and the beneficiary carries out the authentication, by collection terms one of them described Fund can be gone in the beneficiary account；The collection terms, including：Recognition of face checking or personal identification papers's checking；
Also, payer selection setting is transferred accounts amount, or when Payment Amount is more than certain amount, network payment server needs The beneficiary, which carries out fund after the authentication, can just go in the beneficiary account；
The network payment server is received and retrieved, inquires about the information associated with the beneficiary, and verifies the gathering Relation between square account and the search information；
The result is sent corresponding to input field described in the intelligent movable device screen by the network payment server In position and the payment page；
In the payment page, the paying party receives the result of the network payment server, enters according to the result Row associative operation, including：
The result is shown as safety, can carry out network payment transaction；
The result is shown as swindle, malice, and user can the operation of self termination network payment；
The network payment server performs corresponding delivery operation according to user operation instruction and the result.
2. according to the method described in claim 1, it is characterised in that the network payment server receives and retrieves, inquire about with The associated information of the beneficiary, and the relation between the beneficiary account and the search information is verified, including：
Verify whether correct between account and user name；
Account described in the beneficiary and the user name are inquired about in networking credit database with the presence or absence of swindle, non-honest row For and whether in blacklist；
Access keywords database is set up, analyzes, judge its payee understood, payee, post, thing that the paying party fills in Fraud risk whether there is by, address and post；
Judge whether account described in the beneficiary matches with information in the input field.
3. according to the method described in claim 1, it is characterised in that the network payment server according to user operation instruction and The result, performs corresponding delivery operation, including：
Beneficiary account described in the network payment server authentication and fill message turn safely, to receive and performing network payment Account is operated；
The gathering rule set according to the network payment server, collecting account is real to receive the paying party remittance first Row delay in 24 hours is transferred accounts to family；
Transferred accounts according to setting amount, carry out corresponding transfer operation；
When the result has risk, user continues to implement network payment, and the network payment server requires the receipts automatically Money side needs to carry out the authentication, including：The recognition of face checking, identity card identification checking, are tested by one of which Remittance of transferring accounts can be just received after card.
4. according to the method described in claim 1, it is characterised in that the payment page provides corresponding option and content, leads to Click is crossed to be selected and submitted, in addition to：
Password is inputted, identity registration is carried out；
By network payment server online query payee's identity information, Query Result is shown by way of multi-option Show in the payment page；
User could carry out network payment after clicking on selection the correct option.
5. according to the method described in claim 1, it is characterised in that the network payment server according to user operation instruction and The result, performs corresponding delivery operation, in addition to：
When beneficiary described in the payment direction is paid the bill, the paying party payment arrives first at the network payment server Platform account；
The authentication and payment are carried out to the beneficiary by the network payment server platform again.
6. the device searched for, inquire about, verified before a kind of network payment, it is characterised in that including：
Payment module, the page is paid for entering intelligent movable equipment；
Search module, for it is described payment the page in be provided with search engine and multiple input fields, paying party according to prompt message, In charge slip bit field, payee column, thing in column, address field, input will inquire about the information of beneficiary, click on search button, lead to Network is crossed to scan for；Wherein, the payment page provides corresponding option and content, is selected and is submitted by clicking on； And show the credit grade of the beneficiary accounts information；
Authentication module, for simultaneously, the paying party selection, sets the beneficiary to pass through the choosing collected money after authentication ；Wherein, the authentication is made up of multiple collection terms, and the beneficiary carries out the authentication, passes through wherein one The individual collection terms could go to fund in the beneficiary account；The collection terms, including：Recognition of face verify or Personal identification papers verifies；
Authentication submodule, is used for also, payer selection setting is transferred accounts amount, or when Payment Amount is more than certain amount When, network payment server, which needs the beneficiary to carry out fund after the authentication, can just go to the beneficiary account In；
Server retrieves module, receives and retrieves for the network payment server, inquires about associated with the beneficiary Information, and verify the relation between the beneficiary account and the search information；
Delivery module, sends the result to described in the intelligent movable device screen for the network payment server In the corresponding position of input field and the payment page；
Judge module, in the payment page, the paying party to receive the result of the network payment server, according to Associative operation is carried out according to the result, including：
First judging submodule, is shown as safety for the result, can carry out network payment transaction；
Second judging submodule, swindle, malice are shown as the result, and user can the operation of self termination network payment；
Server payment module, for the network payment server according to user operation instruction and the result, performs correspondence Delivery operation.
7. device according to claim 6, it is characterised in that the network payment server receives and retrieves, inquire about with The associated information of the beneficiary, and the relation between the beneficiary account and the search information is verified, including：
First authentication module, it is whether correct between account and user name for verifying；
Second authentication module, for whether inquiring about account described in the beneficiary and the user name in networking credit database In the presence of swindle, non-honest behavior and whether in blacklist；
3rd authentication module, for setting up access keywords database, analyzes, judges its gathering understood that the paying party is filled in People, payee, post, the origin of an incident, address machine post whether there is fraud risk；
4th authentication module, for judging whether account described in the beneficiary matches with information in the input field.
8. device according to claim 6, it is characterised in that the network payment server according to user operation instruction and The result, performs corresponding delivery operation, including：
First performing module, is safety for beneficiary account described in the network payment server authentication and fill message, connects Receive and perform network payment transfer operation；
Second performing module, for the gathering rule set according to the network payment server, collecting account is to receive first The paying party remittance, carries out delay in 24 hours and transfers accounts to family；
3rd performing module, for amount of being transferred accounts according to setting, carries out corresponding transfer operation；
4th performing module, when there is risk for the result, user continues to implement network payment, the network payment service Device requires that the beneficiary needs to carry out the authentication automatically, including：The recognition of face checking, identity card identification are tested Card, can just receive remittance of transferring accounts after being verified by one of which.
9. device according to claim 6, it is characterised in that the payment page provides corresponding option and content, leads to Click is crossed to be selected and submitted, in addition to：
Real name Registration Module, for inputting password, carries out identity registration；
Multi-option module, for by network payment server online query payee's identity information, Query Result to be led to The mode for crossing multi-option is shown in the payment page；
Selecting module, network payment could be carried out after clicking on selection the correct option for user；
Third-party payment module, when being paid the bill for beneficiary described in the payment direction, the paying party payment is arrived first Up to the network payment server platform account；
Third-party payment submodule, for carrying out the identity to the beneficiary by the network payment server platform again Checking and payment.
10. the system searched for, inquire about, verified before a kind of network payment, it is characterised in that including：
Intelligent movable equipment, before network payment, paying party input beneficiary identity information carries out networking search, checking；Payment Square setting options are, after beneficiary is by authentication, can just receive remittance；Realize paying party to beneficiary body before payment The examination of part information and the setting for completing collection terms；
Network payment server, receives and the search information that intelligent movable equipment is submitted is searched in special network server, will After search result arrangement, processing, it is back in the payment page of intelligent movable equipment；And the gathering bar set according to paying party Part, authentication is carried out to beneficiary；
Special network server, the real information data check for providing beneficiary, to network payment server, intelligent movable Equipment provides private network coded communication.
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CN111353774A (en) * 2020-02-26 2020-06-30 中国邮政储蓄银行股份有限公司 Method and device for processing transfer information
CN112801647A (en) * 2021-01-27 2021-05-14 中国银联股份有限公司 Transfer method, device, electronic equipment and storage medium
CN115760089A (en) * 2022-10-21 2023-03-07 中电金信软件有限公司 Batch service data processing method and device, electronic equipment and storage medium
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