CN107301551B

CN107301551B - Method, device and system for searching, inquiring and verifying before network payment

Info

Publication number: CN107301551B
Application number: CN201710577426.7A
Authority: CN
Inventors: 刘兴丹
Original assignee: 刘兴丹
Current assignee: Nanjing Pushang Information Technology Co.,Ltd.
Priority date: 2017-07-15
Filing date: 2017-07-15
Publication date: 2020-09-29
Anticipated expiration: 2037-07-15
Also published as: CN107301551A

Abstract

The invention discloses a method, a device and a system for searching, inquiring and verifying before network payment, which comprises the following steps: entering a payment page of the mobile intelligent device; a search engine and a plurality of input fields are arranged in the payment page, a payer inputs information of a payee to be inquired in a collection unit field, a payee field, a routing field and an address field according to prompt information, clicks a search key and searches through a network; the payment page provides corresponding options and contents, and is selected and submitted by clicking; displaying the credit level of the account information of the payee; meanwhile, the payer selects and sets a money receiving option after the payee passes identity verification; the identity authentication is carried out by the payee, and the money can be transferred to the account of the payee through one of the collection conditions; the collection condition comprises: face identification verification or identity card verification; the collection condition is set to ensure that the object of payment is the verified payee himself.

Description

Method, device and system for searching, inquiring and verifying before network payment

Technical Field

The invention relates to identity verification, in particular to identity verification of a payee through network search inquiry and withdrawal condition setting before network transfer payment.

Background

The existing telecommunication fraud is various in patterns and ways. However, the ultimate goal is to cheat money. Many times, the fraudster is fraudulently because the fraudster is not correctly identified. To some extent, as long as the victim can successfully recognize that the counterpart is carrying out fraud, the occurrence of fraud can be effectively prevented.

Disclosure of Invention

In order to solve the problems in the prior art, the invention provides a service for searching, inquiring and verifying the account number of the payee and the real identity information of the user name before remittance. And the user judges whether transfer and remittance are needed or not according to the verification result. Before the payment, the payer can set and require the payee to carry out identity verification during withdrawal.

In order to achieve the above object, the present invention provides a method for searching, querying and verifying before network payment, which is characterized in that the method is applied to searching and identity verification before network payment, and the method comprises the following steps:

entering a payment page of the mobile intelligent device;

a search engine and a plurality of input fields are arranged in the payment page, a payer inputs information of a payee to be inquired in a collection unit field, a payee field, a routing field and an address field according to prompt information, clicks a search key and searches through a network; the payment page provides corresponding options and contents, and is selected and submitted by clicking; displaying the credit level of the account information of the payee;

meanwhile, the payer selects and sets a money receiving option after the payee passes identity verification; the identity authentication is carried out by the payee, and the money can be transferred to the account of the payee through one of the collection conditions; the collection condition comprises: face identification verification or identity card verification;

and, the paying party chooses to set up the account transfer amount, or when the payment amount is greater than certain amount, the network payment server needs the money after the identity authentication of the said payee can be transferred to the account of the said payee;

the network payment server receives, retrieves and queries the information associated with the payee and verifies the relationship between the payee account and the search information;

the network payment server sends a verification result to a position corresponding to the input field in the screen of the mobile intelligent device and the payment page;

in the payment page, the payer receives the verification result of the network payment server, and performs related operations according to the verification result, including:

the verification result shows that the network payment transaction can be carried out;

the verification result shows that the network payment operation is fraudulent and malicious, and the user can terminate the network payment operation;

and the network payment server executes corresponding payment operation according to the user operation instruction and the verification result.

Further, the network payment server receives and retrieves, queries for information associated with the payee, and verifies relationships between the payee account and the search information, including.

Further, whether the account number and the user name are correct or not is verified.

Further, the payee is queried in a networked credit database for the account number and the user name for fraud, dishonest behavior and whether on a blacklist.

Further, an access keyword library is established, and whether the payee, the collection unit, the post, the reason, the address and the post which are understood by the payer and filled by the payer have fraud risks or not is analyzed and judged.

Further, whether the account of the payee is matched with the information in the input field is judged.

Further, the network payment server executes corresponding payment operations according to the user operation instruction and the verification result, wherein the payment operations comprise the steps of.

Further, the network payment server verifies that the payee account and the filling information are safe, and receives and executes network payment transfer operation.

Further, according to a collection rule set by the network payment server, a collection account receives the remittance of the payer for the first time, and the remittance is transferred to the user in a 24-hour delay mode.

And further, carrying out corresponding account transfer operation according to the set account transfer limit.

Further, when the verification result is risky, the user continues to implement the network payment, and the network payment server automatically requires the payee to perform the identity verification, including: the face identification verification and the identity card identification verification can receive transfer remittance after one of the face identification verification and the identity card identification verification is verified.

Further, the payment page provides corresponding options and contents, and selects and submits by clicking, and the method further comprises the following steps.

Further, a password is input, and identity registration is performed.

Furthermore, the identity information of the payee is inquired through the network payment server in a networking mode, and the inquiry result is displayed in the payment page in a multi-option mode.

Further, the user can not pay online until the user clicks and selects the correct option.

Further, the network payment server executes corresponding payment operation according to the user operation instruction and the verification result, and the method also comprises the step of.

Further, when the payer pays the payee, the payer payment item first arrives at the network payment server platform account.

And further, the identity authentication and payment are carried out on the payee through the network payment server platform.

Further, the device for searching, inquiring and verifying before network payment is characterized by comprising the following steps.

And further, the payment module is used for entering a payment page of the mobile intelligent device.

Furthermore, the search module is used for setting a search engine and a plurality of input fields in the payment page, inputting information of a payee to be inquired in a collection unit field, a payee field, a routing field and an address field by the payer according to prompt information, clicking a search key and searching through a network; the payment page provides corresponding options and contents, and is selected and submitted by clicking; and displaying the credit rating of the payee account information.

Further, the identity verification module is used for selecting and setting a money receiving option after the identity verification of the payee by the payer; the identity authentication is carried out by the payee, and the money can be transferred to the account of the payee through one of the collection conditions; the collection condition comprises: face recognition verification or identity card verification.

And further, the identity verification sub-module is used for selecting and setting a transfer amount by the payer, or when the payment amount is larger than a certain amount, the network payment server needs the payee to carry out the identity verification and then the money can be transferred to the account of the payee.

Further, the server retrieval module is used for receiving, retrieving and inquiring the information associated with the payee by the network payment server, and verifying the relationship between the payee account and the search information.

Further, the transmission module is used for the network payment server to send a verification result to a position corresponding to the input field in the screen of the mobile intelligent device and the payment page.

Further, the judging module is used for receiving the verification result of the network payment server by the payer on the payment page, and performing related operations including the steps according to the verification result.

Further, the first judgment submodule is used for displaying the verification result as safe and carrying out network payment transaction.

Further, the second judgment submodule is used for verifying that the result is shown as fraud and malice, and the user can terminate the online payment operation by himself.

And further, the server payment module is used for executing corresponding payment operation by the network payment server according to the user operation instruction and the verification result.

Further, the first verification module is used for verifying whether the account number and the user name are correct or not.

Further, a second verification module for querying a networked credit database whether the account number and the user name of the payee are fraudulent, dishonest, and blacklisted.

And further, the third verification module is used for establishing an access keyword library, analyzing and judging whether the understood payee, payee unit, duty, reason and address machine duty filled by the payer have fraud risks.

Further, the fourth verification module is configured to determine whether the account of the payee is matched with the information in the input field.

Further, the first execution module is used for the network payment server to verify that the payee account and the filling information are safe, and receiving and executing the network payment transfer operation.

Further, the second execution module is used for receiving remittance of the payer for the first time by a receiving account according to a receiving rule set by the network payment server and performing 24-hour delayed transfer to the user.

And further, a third execution module is used for carrying out corresponding account transfer operation according to the set account transfer limit.

Further, a fourth execution module, configured to, when there is a risk in the verification result, continue to implement the network payment, where the network payment server automatically requires the payee to perform the identity verification, where the fourth execution module is configured to: the face identification verification and the identity card identification verification can receive transfer remittance after one of the face identification verification and the identity card identification verification is verified.

Further, the real-name registration module is used for inputting a password and performing identity registration.

And further, the multi-option module is used for inquiring the identity information of the payee in a network manner through the network payment server and displaying an inquiry result in the payment page in a multi-option manner.

Further, the selection module is used for the user to click and select the correct option and then the network payment can be carried out.

Further, the third party payment module is used for the payer to pay to the payee, and the payer payment item reaches the network payment server platform account firstly.

And further, the third-party payment submodule is used for carrying out the identity verification and payment on the payee through the network payment server platform.

Further, a system for searching, inquiring and verifying before network payment is characterized by comprising.

Further, the mobile intelligent equipment inputs identity information of a payee to perform networking search and verification before network payment; the payer sets an option that the recipient can receive the remittance after the recipient passes the authentication. Before payment, the payer checks the identity information of the payee and completes the setting of the payment condition.

And further, the network payment server receives and searches the search information submitted by the mobile intelligent equipment in the special network server, and transmits the search result back to the payment page of the mobile intelligent equipment after the search result is sorted and processed. And according to the collection condition set by the payer, the identity of the payee is verified.

Furthermore, the special network server is used for providing real information data inquiry of a payee and providing private network encrypted communication for the network payment server and the mobile intelligent device.

In the embodiment of the invention: by performing online inquiry and verification on the user identity information of the payee before network transfer payment, the information can help the payer to make a correct decision. The real information of the payee is effectively and authoritatively inquired by connecting a social security personnel information network, a public security network and a blacklist account database of a bank. And an independent intelligent judgment analysis word bank is established for intelligent detection, the payment risk is analyzed, and a comprehensive judgment result is finally formed. The network payment server is used for inquiring, so that the accuracy and authority of the inquiry result are facilitated. And the security of the private information of the payee who inquires the result is also ensured.

The collection condition set by the payer is that the payee is required to pass the identity verification before transferring the remittance to the account of the payer. The verification method is divided into: network verification and counter verification. The user passing the identity authentication is a trusted user. The query before remittance can verify and verify the identity information of the payee before payment. The collection condition is set to ensure that the object of payment is the verified payee himself.

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a schematic diagram of a system for searching, querying and verifying before network payment according to an embodiment of the present invention.

Fig. 2 is a flowchart of a method for searching, querying, and verifying before network payment according to an embodiment of the present invention, which is introduced from the perspective of actual use of a payment page.

Fig. 3 is a flowchart of a method for searching, querying, and verifying before network payment according to an embodiment of the present invention from the perspective of searching and intelligent analysis.

Fig. 4 is a flowchart of a method for searching, querying, and verifying before network payment according to an embodiment of the present invention.

Fig. 5 is a flowchart of a method for searching, querying, and verifying before network payment according to an embodiment of the present invention, which is introduced from the perspective of payment page multiple options.

Fig. 6 is a flowchart of a device for searching, querying, and verifying before network payment according to an embodiment of the present invention from the perspective of a third party payment platform.

Fig. 7 is a block diagram of a device for searching, querying and verifying before network payment introduced from the aspect of actual use of a terminal payment page in the embodiment of the invention.

Fig. 8 is a block diagram of a device for searching, querying and verifying before network payment introduced from the aspects of terminal search and intelligent analysis according to an embodiment of the present invention.

Fig. 9 is a block diagram of a device for searching, querying and verifying before network payment introduced from the aspect of intelligent payment operation in the embodiment of the invention.

Fig. 10 is a block diagram of a device for searching, querying and verifying before network payment introduced from the aspects of payment page multi-options and third party payment platforms according to an embodiment of the invention.

Detailed Description

In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The embodiment of the application provides a system for searching, inquiring and verifying before network payment, wherein before the system is applied to network payment, a mobile intelligent device sets collection identity verification through a network payment server and inquires collection party identity information from a special network server. Fig. 1 is a schematic diagram of a system for searching, querying, and verifying before network payment according to an embodiment of the present invention.

As shown in fig. 1, the system includes:

1. the mobile intelligent equipment is used for inputting identity information of a payee by a payer to perform networking search and verification before network payment; the payer sets an option that the recipient can receive the remittance after the recipient passes the authentication. Before payment, the payer checks the identity information of the payee and completes the setting of the payment condition.

2. And the network payment server receives and searches the search information submitted by the mobile intelligent equipment in the special network server, and transmits the search result back to the payment page of the mobile intelligent equipment after the search result is sorted and processed. And according to the collection condition set by the payer, the identity of the payee is verified.

3. And the special network server is used for providing real information data inquiry of a payee and providing private network encrypted communication for the network payment server and the mobile intelligent equipment.

In summary, when the mobile intelligent device performs network payment, identity verification is set for money withdrawal of a payee through a search function. The function of carrying out networking inquiry verification on the information of the payee before payment is realized. The mobile intelligent device realizes the authority of indirectly accessing the special network server through the network payment server, and ensures that the inquired information is authoritative.

The embodiment of the application provides a method for searching, inquiring and verifying before network payment, which is applied to searching and identity verification before network payment. Fig. 2 is a flowchart of a method for searching, querying, and verifying before network payment according to an embodiment of the present invention from the perspective of actual use of a payment page.

As shown in fig. 2, the method includes:

s101, entering a payment page of the mobile intelligent device;

the mobile intelligent device is a communication device with a network payment function and can be divided into two types of mobile or fixed products. The payment page is a page which is displayed in the screen of the mobile intelligent device and used for carrying out network payment transaction.

Specifically, the payment page of the network payment transaction is displayed on a screen of a mobile phone, a tablet computer or a desktop computer. And the payment page transmits information in a wireless or wired network transmission mode.

S102, a search engine and a plurality of input fields are arranged in the payment page, a payer inputs information of a payee to be inquired in a payee unit field, a payee field, a routing field and an address field according to prompt information, clicks a search key and searches through a network; the payment page provides corresponding options and contents, and is selected and submitted by clicking; displaying the credit level of the account information of the payee;

and inputting the content to be searched in the input field of the payment page, clicking a search key, and searching and inquiring information through the search engine. One side of the input field is marked with the type and the content of the information to be searched, and the other side of the input field is provided with a search result display area. And displaying a total risk verification evaluation result in the payment page. The input fields are increased or decreased according to actual needs, and the contents represented by the input fields may be different.

And displaying a plurality of contents by clicking the input field or a drop-down list icon at the edge of the input field. The content in each input field is different, and corresponding content is set for selection. The contents are all contents subjected to analysis, summarization and classification setting and have certain representativeness. And, the input field provides only the input contents.

And the mobile intelligent equipment is connected with the network payment server through a wireless network. The network payment server platform establishes information link inquiry verification with a social security network, a public security network, a bank database and other special networks. And the verification result is transmitted back to the mobile intelligent equipment which initiates the searching and verification through the network payment server. The input column classifies the contents to be input, and in the searching process, classified retrieval and corresponding display of the searching result are realized.

And the payment page is also provided with self-options, and the contents displayed by the self-options provide an intelligent judgment basis for the network payment server. Input is made by a yes or no selection. And after the selection input is finished, submitting the information to the network payment server for network inquiry verification. And generating a verification result by intelligently analyzing and judging the content information and transmitting the verification result back to the mobile intelligent equipment.

And after the account number and the user name of the other party are input in the payment page, the corresponding credit state can be seen. When the number of times of account transaction is relatively small, the identity authentication is needed when a large amount of money is transferred and received. However, as the number of normal transactions increases, the minimum amount to receive remittance also increases.

Specifically, in the input field marked with a payee, the unit information provided by the payee is input to perform inquiry and verification. By analogy, corresponding contents are input in the payee column, the routing column and the address column according to prompts. Wherein the filling of the story is relatively flexible.

The content in the options is sorted, such as: the payee has multiple options of government, enterprise, personal, and others. And after clicking and selecting 'other', popping up the input field for inputting. And filling in an independent selection column by clicking whether the check is yes or no. The option contents include, for example: whether this payment is a first payment. The payer recognizes the time, one day, one week, one month, one year, with the payee. Whether the payee is at home.

And if yes or no, completing corresponding filling. And clicking a virtual search key together with other filled contents, and uploading information to be searched to the network payment server for query and retrieval.

And after the payer selects and sets, the payee identity can be selected and set to be in accordance with the information in the input field, and the payment can be carried out. And the information is inquired through a civil employment information system. Further comprising: the public security system, the information registered by the bank and the like, and the information to be searched is subjected to authoritative inquiry and verification.

S103, at the same time, the payer selects and sets a collection option after the payee passes the identity verification; the identity authentication is carried out by the payee, and the money can be transferred to the account of the payee through one of the collection conditions; the collection condition comprises: face identification verification or identity card verification;

the payer can set the payee to collect the money after the identity verification. After the payer pays on the network, the receiver can send money to the account of the receiver after the identity verification. Wherein the identity verification is composed of a plurality of the collection conditions. The payer only needs to check whether the identity of the payee needs to be verified. And the plurality of verification modes in the options are verified by selecting one of the verification modes by the payee. The face brushing verification mode is suitable for network payment in the mobile intelligent device. For verifying the identification card information, it is suitable for verification in the counter of a bank. One for authentication over a wireless network and one for authentication by a banking entity.

Specifically, when the online payment is carried out, the payer chooses to require the payee to carry out the identity verification before paying to collect the payment. The payee uses a mobile phone and a tablet computer to receive remittance, a face recognition function in the payment page is needed to be used for carrying out face recognition on the payee in the account, and the remittance can be received only after the verification is passed. If the payee receives the remittance at the bank, the money can be received only after the bank passes the verification of the identity card. And the user goes to a bank to carry out the identity verification, and can go to a counter to carry out handling. The identity card can be verified through related intelligent terminal equipment without waiting in a queue.

S104, the payer selects and sets a transfer amount, or when the payment amount is larger than a certain amount, the network payment server needs the payee to carry out the identity verification and then the money can be transferred to the account of the payee;

and during network payment, when the transfer amount reaches a certain amount, the identity verification of the payee is started. The size of this amount is set by the payer in the payment page. And when the amount of money is larger than a certain value, the network payment server automatically starts the payee to carry out the identity verification. Only after passing the identity verification can remittance be transferred to the recipient's account. Meanwhile, the network payment server sets different upper limits of the authentication amount according to different amounts of money in an account through intelligent judgment.

Specifically, the payer sets the amount in the payment page, and automatically starts the payee to perform the identity verification when the payee receives the money after the network payment reaches the set amount. When the amount is larger than the maximum value of the amount set by the network payment server, the system automatically requires that the money is collected after the identity authentication in the transfer process. Through intelligent analysis, the network payment server sets the maximum amount of the identity authentication according to the difference of the amounts in the accounts, and the specific amount of the amounts are different.

S105, the network payment server receives, retrieves and inquires the information associated with the payee, and verifies the relationship between the payee account and the search information;

after the information in the input field and the information in the options are filled and selected, the information to be searched is uploaded to the network payment server through the search engine provided by the network payment server to perform private online query. And the search engine in the network payment server carries out corresponding search and query according to the received content. The related information is generally inquired in equipment security employment websites, public security networks and bank networks. And intelligently analyzing and verifying the inquired result and the account information of the payee, and obtaining a verification result. Meanwhile, the inquired information is kept secret, and the inquired result is not directly fed back to the payment page of the payer. And the prompting information such as 'the search information is consistent with the verification information', 'the search information is inconsistent with the verification information', 'the verification passes', 'the verification fails' and the like is fed back to the mobile intelligent device which proposes the search.

The network payment server receives the information related to the parallel network retrieval, and the searched information is the inquiry verification carried out in a special server or a network. Access to the private network itself requires authentication, verification, and registration.

Specifically, the search engine in the network payment server queries and verifies the searched information by connecting with a private network. The private network refers to information registered in the social employment network, information in the public security network, registered information in the bank network, and a network database and a related credit database established by the network payment server.

And the network payment server judges the corresponding payment risk level from safety to danger through intelligent analysis. And feeding back corresponding prompt information according to different safety levels. And in the payment process, corresponding payment operation is executed. At the same time, the integrity record of the payee is checked.

S106, the network payment server sends a verification result to a position corresponding to the input field in the screen of the mobile intelligent device and the payment page;

and for the search result, the information fed back by the network payment server is correspondingly displayed behind the input field. Each input field is correspondingly provided with feedback information. And displaying the summarized verification result in the payment page and providing related risk assessment suggestions. So that the payer can make correct judgment better. Therefore, the information verification can be completed, and the personal privacy information of the payee can be protected from being stolen.

Specifically, the network payment server sends the search and verification results to a mobile phone, a tablet computer or a desktop computer of the payer user. And a corresponding verification result is displayed behind each input field. And displaying a verification result in the payment page. And the payer determines whether to carry out network payment remittance or not according to the verification result.

S107, in the payment page, the payer receives the verification result of the network payment server, and performs related operations according to the verification result, including:

s108, the verification result shows that the network payment transaction can be carried out as safe;

s109, the verification result shows that the network payment operation is fraudulent and malicious, and the user can terminate the network payment operation by himself;

the payer sees the result of the verification in the payment page, but cannot see the payee's specific information. The payer autonomously determines whether to perform a remittance operation according to the verification result. And the network payment server sends the obtained results to the mobile intelligent equipment which provides the search request, and relevant query results are respectively and correspondingly displayed in the input field of the payment page. And displaying the whole analysis result in the payment page for the payer to refer to before payment. When displayed as secure, the payer's payment is relatively secure. However, when the prompt shows a high risk, the user may terminate the payment transaction.

Specifically, the result of the query verification is returned to the mobile phone, the tablet computer or the desktop computer, and after the result is specifically displayed in the input field, the final risk result formed by the network payment server is displayed in the payment page. And displayed in different colors according to different security levels. Such as: safety is indicated by green and risk by red. The payer may select payment or terminate payment based on the result of the query. If the payment cannot be determined, the receiving party is required to pass the identity verification through a selection setting, and remittance can not be transferred to the user.

S110, the network payment server executes corresponding payment operation according to the user operation instruction and the verification result.

And the network payment server receives the operation instruction sent by the payer of the mobile intelligent equipment terminal and executes corresponding operation. When the network payment server verifies that the high-risk payee account exists and the payer continues to pay, the system automatically requires the payee to perform the identity verification. And the network payment server implements regional differentiation operation of real-time account arrival or 24-hour account arrival according to different security levels. And when the extremely high risk account is detected, sending the related information to the public security network platform to be reserved as a corresponding clue. And, the transaction may be terminated, or the payee may not continue the transaction until the identity is verified.

Specifically, after the payer sends a payment instruction, the network payment server implements differentiated network payment according to the security level of the payee account. And when the payee and the account are detected to be safe, real-time account-arriving operation is implemented. And when the payee account has potential safety hazard, implementing 24-hour account-reaching operation. When the payee has high risk hidden trouble, the payee needs to receive remittance after the identity verification. When a record of fraud occurs, the network payment server may terminate the network transaction with an associated remittance back to the payer's account. The transfer of large amounts to the payer account may also be limited within 24 hours.

In summary, before the online payment, a networked search query may be performed on the identity information of the payee, and the result of the query is returned to the payment page. And, additionally, some results that facilitate the payer's judgment are sent to the payment page. Thus, the payer can perform the identity verification on the payee before payment, which is beneficial for the payer to identify the true identity of the payee. And determining whether payment and remittance are required according to the retrieval result. And before payment, the user can actively select and set the identity authentication system to require the payee to collect the identity authentication. In this way, identity information of the payee may be determined. Meanwhile, the network payment server can verify and inquire the payee. Wherein, inquiring through the information input by the payer also comprises: and intelligently identifying the payment server through the network. And finishing related intelligent identification and judgment on the payee, and executing corresponding operation. The method comprises the steps that a payer searches a payee and sets the collection condition, the payer is an active verification behavior of the payer individual, and the payer can be used or not used in the network payment process. When the payee is a trusted person or unit, the payer can directly carry out network payment without verification.

Please refer to fig. 3, which is a flowchart illustrating a method for searching, querying, and verifying before network payment according to an embodiment of the present invention from the perspective of searching and intelligent analysis.

As shown in fig. 3, the method includes:

s202, verifying whether the account number and the user name are correct or not;

and inquiring and checking whether the user name corresponding to the account number is consistent or not according to the input account number. If the two are consistent, the next detection and query can be carried out.

Specifically, whether the account number of the payee is consistent with the user name is checked and verified, and it is confirmed that no filling error exists. If they match, the credit database is then queried for the associated credit record.

S203, inquiring whether the account number and the user name of the payee have fraud and dishonest behaviors and are in a blacklist in a networking credit database;

after the check is finished, the account number, the user name and the associated real information of the payee are inquired in a related integrity database, and the record of whether fraud behaviors exist is searched in a network search mode, and whether the fraud behaviors are listed as blacklisted users by other related databases. If the integrity and no fraud occurs, the searched information is intelligently analyzed and compared.

Specifically, whether the account has fraud behavior records and related integrity problem records is inquired in a bank database through a network. And inquiring whether relevant illegal records exist in the public security system. If there is no bad record, the account is relatively secure. If there is a record, a security alert message is generated, the payer is notified, and the transaction is restricted.

S204, establishing an access keyword library, and analyzing and judging whether the understood payee, payee unit, job, reason, address and job filled by the payer have fraud risks or not;

if the mobile intelligent device inputs and searches, the network payment server needs to analyze the payee and the bank according to the keywords and the intelligent analysis program. The analysis comprises intelligent analysis, and the information identification, verification, analysis and judgment are completed through artificial intelligence. And the analysis and verification can be carried out in a manual mode. Or after the computer intelligent program is used for preliminary analysis, the audit is carried out manually. Especially, the manual analysis can obtain a judgment result relatively better.

Specifically, the network payment server platform verifies the payee according to the keywords established by the network payment server platform and judges the routing. If abnormal transfer transaction is judged, the platform limits the transaction and needs the payee to verify the identity information or directly terminates the transaction. In the delayed payment process, the transaction with the risk result is submitted to manual inspection to obtain the final judgment result, and the corresponding result is executed. Among them is mainly verifying whether the payee has a possibility of fraud.

S205, judging whether the account of the payee is matched with the information in the input field.

In the process of artificial intelligent analysis, whether the account number and the user name of the payee are consistent with the name in the searched and inquired payee column or not is compared, relevant unit, affair and address information is searched, analysis, matching and verification are carried out, and whether the relevant information is reasonable or not is intelligently analyzed. And generating a judgment result to provide a good reference verification basis for the payment of the payer.

Specifically, the searched information content is compared with the inquired account number and the personnel information corresponding to the user name, and verification is performed. Finally, a comparison result and an intelligent analysis result are formed. And sending the results of the two to the payment page of the mobile intelligent device. And prompting by adopting corresponding colors.

In summary, the network payment server checks whether the account number and the user name are correct, and queries credit information in a corresponding database. And the network payment server intelligently detects the account of the payee according to a keyword database and an intelligent analysis system established by the network payment server, and performs correlation analysis on the account and the user name according to a search result. And sending the analysis result to the mobile intelligent device of the payer as a reference basis before payment. When the account number is found to be obviously fraudulent, the network payment server platform can directly terminate transaction payment. And sending the processing reason and the processing result to the mobile intelligent device of the payer for informing, and returning the money to the account of the payer.

Fig. 4 is a flowchart of a method for searching, querying, and verifying before network payment according to an embodiment of the present invention from the perspective of intelligent payment operation.

As shown in fig. 4, the method includes:

s302, the network payment server verifies that the account of the payee and the filling information are safe, and receives and executes network payment account transfer operation;

the network payment server verifies that the account number and the user name of the receiver are safe, and then remittance can be transferred to the account of the receiver in a short time. And the transfer, withdrawal and cash withdrawal can be realized without the identity verification of the receiver.

Specifically, the account of the receiver is a secure account, and the network payment server directly transfers the remittance to the account of the receiver immediately. In addition, the receiving party can freely withdraw and transfer money.

S303, according to a receiving rule set by the network payment server, a receiving account receives remittance of the payer for the first time, and 24-hour delayed transfer is carried out to the user;

according to the set rules, when the account of the receiver receives the remittance paid by the payer for the first time, the system automatically counts and transfers the remittance to the account of the receiver after 24 hours.

Specifically, the payer remits money to the payee through network payment for the first time, and the payee can receive the remittance after 24 hours.

S304, performing corresponding account transfer operation according to the set account transfer limit;

and according to the difference of the set amount, the network transfer payment reaches the set amount, and the payee is automatically required to carry out the identity verification. After the payee passes the verification, the remittance can be transferred to the account of the payee immediately. And, the network payment server itself has a certain payment amount limit. When the remittance amount reaches a certain amount, the system will automatically require the payee to perform the identity verification. A trusted account is considered if the payee keeps a good credit status all the time. The maximum upper limit of the amount that the network payment server receives for increases.

Specifically, the transfer amount is set in the payment page, and when the transfer amount reaches a preset amount, remittance is performed, and the receiver can obtain account and withdraw money only after the identity verification. When the maximum amount set by the network payment server is reached, the system automatically requires the payee to carry out the identity verification and then can pay. The maximum amount set by the system is divided into a fixed amount and a credit amount, and the fixed amount is a fixed value. The credit amount is set according to the credit level of the payee, and the maximum amount upper limit of different accounts is different. The payer may also freely choose between a fixed amount and a credit amount.

S305, when the verification result is risky, the user continues to implement network payment, and the network payment server automatically requires the identity verification of the payee, including: the face identification verification and the identity card identification verification can receive transfer remittance after one of the face identification verification and the identity card identification verification is verified.

In the network payment server, if the verification result is that the payee has a risk. However, the payer still transfers money, and the network payment server requires the identity verification of the receiver during the transfer process, so that the receiver can be paid with the network payment server.

The system carries out intelligent judgment according to the search information input by the payer, and if the risk exists, or the account or the payee receiving the account is abnormal. The system may require that the payee perform the authentication before receiving payment. Otherwise, the money transfer will not reach the account of the recipient.

Specifically, the network payment server finds that the account of the payee has a security risk. In this process, the payer makes a payment. The network payment server will automatically set the payee to require the identity verification when receiving payment. After verification, the remittance can be entered into the recipient's account. And, a plurality of said identity authentications may be added to carry out the authentication of said payee. Such as: binding mobile phone numbers, face recognition and the like.

In summary, the network payment server receives the payment instruction of the payer, and executes the corresponding operation according to the payment instruction. And executing different operation commands according to different verification results. Wherein, the time of account arrival is faster when the verification is safe. The more insecure the account number and the user name of the payee are, the longer the time to account, and even the payment is terminated. Wherein, include: and (4) account is arrived in real time, account is arrived in 24 hours, payment exceeds the upper limit of the amount through setting the upper limit of the amount of payment, and the account is arrived after the identity verification is realized by the payee. Depending on the risk level, the network payment server may terminate high-risk transfer transactions.

Please refer to fig. 5, which is a flowchart illustrating a method for searching, querying, and verifying before network payment according to an embodiment of the present invention from the perspective of multiple options on a payment page.

As shown in fig. 5, the method includes:

s401, inputting a password and registering the identity;

entering a password ensures that the payer's query is registered and stored in the server for record. When the inquired payee account is stolen, the user information inquired by real-name registration can be searched most quickly.

Specifically, a password is input into the payment page, registration of identity information is automatically completed, and a query page is logged in.

S402, inquiring identity information of a payee in a network mode through the network payment server, and displaying an inquiry result in the payment page in a multi-option mode;

the network payment server inquires identity information of a payee through a network and transmits the inquired result back to the mobile intelligent equipment, and the displayed information is the sorted result and is not the original information of the payee. And the information returned to the mobile intelligent device also contains some error and irrelevant information. And the payment pages are jointly displayed for the payer to click and select. The payer can only pay if the selection is correct.

Specifically, there is a unique correct answer in the information displayed on the payment page. The answer is derived from the result obtained by verifying the real identity of the payee by the network payment server, and is displayed in the payment page after being processed and described in a general way. At the same time, some other irrelevant or wrong information is displayed. The payer can pay only after removing wrong answers and selecting correct answers. And the source of the "correct answer" is the relevant information that the payee provides to the payer. When the information provided by the payee is consistent with the information verified by the payer, normal payment can be realized. When the information is inconsistent, the system may limit payment or terminate payment.

S403, the user can carry out network payment after clicking and selecting the correct option.

Only one of the options is the correct option. Also, the selection of information and the click input need to be completed within a limited time. And after the selection is wrong, a group of other information is updated to be selected, and the network payment server terminates the related payment operation after 3 times of selection errors.

Specifically, in the payment page, a citizen, a doctor, an athlete, a leather businessman, and a non-profit organization are displayed. The payee is truly a doctor, and the doctor is selected as the correct answer, so that the doctor can pay. Thus, the identity of the deception is excluded, and the payer can better respond from the deception.

In summary, in the process of querying the payee information, a password needs to be input for login. Therefore, malicious identity information of the payee can be prevented from being collected by inquiring. And sending the result of the web payment server inquiry to the payment page, together with other error and irrelevant information. The payer needs to verify the correct click information before remittance can take place. And the correct information reflects the real identity information of the payee retrieved and verified in the network payment server and is expressed in a general and summary manner. In the process, the real identity of the payee can be effectively informed, and the personal privacy information of the payee cannot be revealed.

As shown in fig. 6, the method includes:

s501, when the payer pays the payee, the payer pays the account of the network payment server platform;

and S502, the identity authentication and payment are carried out on the payee through the network payment server platform.

And the payer directly remits the remittance into a platform account of the network payment server, and the platform transfers the remittance to the payee. In this process, if the platform cannot detect the fraudulent activity of the payee, the money is transferred to the payee account. Wherein, the payee comprises an individual, a unit and a merchant.

Specifically, the user remits the money through a network payment mode, and the remitted money directly enters an account of the network payment server platform. Transferring, by the network payment server platform, the remittance to the recipient's account. In this process, the payee needs to go through platform networking verification and pay money to the payee's account without risk. When the platform detects that the security risk exists in the account of the payee, the transaction is terminated, remittance is returned to the account of the payer, and a corresponding refund description is sent to the payment page of the payer.

In summary, the payer pays the money to the network payment server of the third party, and the network payment server platform performs the online query and verification on the identity information of the payee. Paying money into the payee's account through the platform. The payee who needs to perform the identity verification needs to receive the remittance after the identity verification. Fraudulent, termination of payment and transactions.

Fig. 7 is a block diagram of a device for searching, querying, and verifying before network payment, introduced from the aspect of actual use of a terminal payment page in the embodiment of the present invention.

As shown in fig. 7, the apparatus includes:

and the payment module 601 is used for entering a payment page of the mobile intelligent device.

The search module 602 is configured to set a search engine and a plurality of input fields in the payment page, where the payer inputs information of the payee to be queried in the payee unit field, the payee field, the routing field, and the address field according to the prompt information, clicks a search key, and searches through a network; the payment page provides corresponding options and contents, and is selected and submitted by clicking; and displaying the credit rating of the payee account information.

An identity authentication module 603, configured to select and set an option for the payer to collect money after the payee passes identity authentication; the identity authentication is carried out by the payee, and the money can be transferred to the account of the payee through one of the collection conditions; the collection condition comprises: face recognition verification or identity card verification.

And the identity verification sub-module 604 is configured to select a transfer amount by the payer, or when the payment amount is greater than a certain amount, the network payment server needs the payee to perform the identity verification and then transfers the money to the account of the payee.

A server retrieval module 605, configured to receive, retrieve, and query the information associated with the payee by the network payment server, and verify a relationship between the payee account and the search information.

The transmission module 606 is used for the network payment server to send the verification result to the position corresponding to the input field in the screen of the mobile intelligent device and the payment page.

The determining module 607 is configured to, in the payment page, receive the verification result of the network payment server by the payer, and perform relevant operations, including the following, according to the verification result.

And a first judgment sub-module 608 for verifying that the result is displayed as safe and performing network payment transaction.

And the second judgment submodule 609 is used for verifying that the result shows fraud and maliciousness, and the user can terminate the online payment operation by himself.

And the server payment module 610 is used for executing corresponding payment operation by the network payment server according to the user operation instruction and the verification result.

Fig. 8 is a block diagram of a device for searching, querying, and verifying before network payment according to an embodiment of the present invention, introduced from the aspects of terminal search and intelligent analysis.

As shown in fig. 8, the apparatus includes:

the first verification module 701 is configured to verify whether the account and the user name are correct.

A second verification module 702 for querying a networked credit database whether the account number and the user name of the payee are fraudulent, dishonest, and blacklisted.

The third verification module 703 is configured to establish an access keyword library, and analyze and determine whether there is a fraud risk in the payee, post, reason, and address machine post that the payer fills in.

A fourth verification module 704, configured to determine whether the account of the payee matches the information in the input field.

Fig. 9 is a block diagram of a device for searching, querying, and verifying before network payment according to an embodiment of the present invention, introduced from the aspect of intelligent payment operation.

As shown in fig. 9, the apparatus includes:

the first execution module 801 is configured to verify that the payee account and the filling information are safe by the network payment server, and receive and execute a network payment transfer operation.

A second executing module 802, configured to, according to a collection rule set by the network payment server, implement 24-hour delayed transfer to the user for the collection account receiving the remittance of the payer for the first time.

And the third executing module 803 is configured to perform a corresponding transfer operation according to the set transfer amount.

A fourth executing module 804, configured to, when there is a risk in the verification result, continue to implement network payment, where the network payment server automatically requires the payee to perform the identity verification, where the method includes: the face identification verification and the identity card identification verification can receive transfer remittance after one of the face identification verification and the identity card identification verification is verified.

Please refer to fig. 10, which is a block diagram of a device for searching, querying, and verifying before network payment introduced in the multi-option aspect of the payment page and the aspect of the third party payment platform according to an embodiment of the present invention.

As shown in fig. 10, the apparatus includes:

a real-name registration module 901, configured to input a password and perform identity registration;

and a multi-option module 902, configured to query payee identity information through the network payment server in a networked manner, and display a query result in the payment page in a multi-option manner.

And the selection module 903 is used for carrying out network payment after the user clicks and selects the correct option.

A third party payment module 904, configured to, when the payer pays the payee, the payer payment item first arrives at the network payment server platform account.

And the third-party payment submodule 905 is configured to perform the identity verification and payment on the payee through the network payment server platform.

And the payer pays money to the network payment server of the third party, and the network payment server platform carries out networking inquiry verification on the identity information of the payee. Paying money into the payee's account through the platform. The payee who needs to perform the identity verification needs to receive the remittance after the identity verification. Fraudulent, termination of payment and transactions.

Claims

1. A method for searching, inquiring and verifying before network payment is characterized in that the method is applied to searching and identity verification before network payment and comprises the following steps:

entering a payment page of the mobile intelligent device;

the network payment server inquires identity information of a payee through a network and returns the inquired result to the mobile intelligent equipment, and the displayed information is a sorted result instead of the original information of the payee; in addition, the information returned to the mobile intelligent equipment also contains some error and irrelevant information;

the payer can send money only after the correct click information is confirmed;

the payer can set the payee to collect the money after the identity verification; after the payer pays on the network, the receiver can remit money to the account of the receiver after the identity verification;

the network payment server receives, retrieves and inquires information associated with the payee, and verifies the relationship between the payee account and the search information;

2. The method for searching, querying and verifying before network payment according to claim 1, wherein the network payment server executes corresponding payment operation according to the user operation instruction and the verification result, and comprises:

the network payment server verifies that the account of the payee and the filling information are safe, and receives and executes network payment transfer operation;

according to a receiving rule set by the network payment server, a receiving account receives the remittance of the payer for the first time, and 24-hour delayed transfer is carried out to the user;

performing corresponding account transfer operation according to the set account transfer amount;

when the verification result is in risk, the user continues to implement network payment, and the network payment server automatically requires the identity verification of the payee, including: the face identification verification and the identity card identification verification can receive transfer remittance after one of the face identification verification and the identity card identification verification is verified.

3. The method for searching, querying and verifying before network payment as claimed in claim 1, wherein the payment page provides corresponding options and contents, and selects and submits by clicking, further comprising:

inputting a password and registering the identity;

inquiring identity information of a payee in a network mode through the network payment server, and displaying an inquiry result in the payment page in a multi-option mode;

the user can only pay on the network after clicking and selecting the correct option.

4. An apparatus for searching, querying and verifying before network payment, comprising:

the payment module is used for entering a payment page of the mobile intelligent device;

the search module is used for setting a search engine and a plurality of input fields in the payment page, inputting information of a payee to be inquired in a payee unit field, a payee field, a routing field and an address field by the payer according to prompt information, clicking a search key and searching through a network; the payment page provides corresponding options and contents, and is selected and submitted by clicking; displaying the credit level of the account information of the payee;

the payer can send money only after the correct click information is confirmed;

the identity verification module is used for selecting and setting the options of collecting money after the identity verification of the payee by the payer at the same time; the identity authentication is carried out by the payee, and the money can be transferred to the account of the payee through one of the collection conditions; the collection condition comprises: face identification verification or identity card verification;

the identity verification sub-module is used for selecting and setting a transfer amount by a payer, or when the payment amount is larger than a certain amount, the network payment server needs the payee to carry out the identity verification and then the money can be transferred to the account of the payee;

the server retrieval module is used for receiving, retrieving and inquiring the information associated with the payee by the network payment server and verifying the relationship between the payee account and the search information;

the transmission module is used for the network payment server to send a verification result to a position corresponding to the input field in the screen of the mobile intelligent device and the payment page;

the judging module is used for receiving the verification result of the network payment server by the payer on the payment page and carrying out related operations according to the verification result, and comprises the following steps:

the first judgment submodule is used for displaying the verification result as safe and carrying out network payment transaction;

the second judgment submodule is used for verifying that the result shows fraud and malice, and the user can terminate the online payment operation;

and the server payment module is used for executing corresponding payment operation by the network payment server according to the user operation instruction and the verification result.

5. The device for searching, querying and verifying before network payment according to claim 4, wherein the network payment server executes the corresponding payment operation according to the user operation instruction and the verification result, and comprises:

the first execution module is used for verifying the account of the payee and the filling information to be safe by the network payment server, and receiving and executing network payment transfer operation;

the second execution module is used for receiving remittance of the payer for the first time by a receiving account according to a receiving rule set by the network payment server and transferring the remittance to the user in a 24-hour delay manner;

the third execution module is used for carrying out corresponding account transfer operation according to the set account transfer limit;

a fourth execution module, configured to, when a verification result is risky, continue to implement network payment, where the network payment server automatically requires the payee to perform the identity verification, where the fourth execution module is configured to: the face identification verification and the identity card identification verification can receive transfer remittance after one of the face identification verification and the identity card identification verification is verified.

6. The device for searching, querying and verifying before network payment as claimed in claim 4, wherein the payment page provides corresponding options and contents, and selects and submits by clicking, further comprising:

the real-name registration module is used for inputting a password and registering the identity;

the multi-option module is used for inquiring the identity information of the payee in a network way through the network payment server and displaying the inquiry result in the payment page in a multi-option mode;

and the selection module is used for carrying out network payment after the user clicks and selects the correct option.

7. A system for searching, querying and verifying before network payment, comprising:

the mobile intelligent equipment is used for inputting identity information of a payee by a payer to perform networking search and verification before network payment; the payer sets options that the recipient can receive remittance after passing identity verification; before payment, the payer checks the identity information of the payee and completes the setting of the collection condition;

the network payment server receives and searches the search information submitted by the mobile intelligent equipment in the special network server, and sends the search result back to the payment page of the mobile intelligent equipment after the search result is sorted and processed; the network payment server inquires identity information of a payee through a network and returns the inquired result to the mobile intelligent equipment, and the displayed information is a sorted result instead of the original information of the payee; in addition, the information returned to the mobile intelligent equipment also contains some error and irrelevant information; the payer can send money only after the correct click information is confirmed; and according to the collection condition set by the payer, the identity of the payee is verified;

and the special network server is used for providing real information data inquiry of a payee and providing private network encrypted communication for the network payment server and the mobile intelligent equipment.