CN114118993A

CN114118993A - Payment method and electronic equipment

Info

Publication number: CN114118993A
Application number: CN202111421060.7A
Authority: CN
Inventors: 许汝全; 肖军; 程志强
Original assignee: Nanjing Xingyun Digital Technology Co Ltd
Current assignee: Nanjing Xingyun Digital Technology Co Ltd
Priority date: 2021-11-26
Filing date: 2021-11-26
Publication date: 2022-03-01

Abstract

The application provides a payment method and electronic equipment, comprising the following steps: receiving a payment request initiated by a user aiming at an order; judging whether the user opens the quick payment function or not according to the user opening information base; if yes, judging that the user is a target user, and acquiring a promotion activity according to the order information corresponding to the target user; determining a deduction sequence according to the promotion activities and a preset deduction rule; acquiring a first target deduction account number which passes the wind control verification according to the deduction sequence; and submitting the payment request to a bank and carrying out the password-free deduction on the first target deduction account number by the bank. The method and the device improve the order payment speed of the user and the success rate of order payment; the risk control is carried out on the user in the whole process, so that the payment safety is effectively improved; the optimal deduction account number is automatically selected for the user according to the deduction rule obtained according to the promotion activities and the preset deduction rule, the user mind is touched, and the experience feeling of the user is improved.

Description

Payment method and electronic equipment

Technical Field

The invention relates to the field of digital currency payment, in particular to a payment method and electronic equipment.

Background

At present, network payment is more popular, but both online payment and offline barcode payment require a user to input a payment password or fingerprint or face recognition. If the short message verification is triggered, the short message verification code also needs to be input for verification. In any mode, a verification link is added, errors are easy to occur, such as forgetting a password, not receiving a mobile phone verification code, insufficient balance, abnormal downstream systems and the like. At present, small-amount secret-free payment, deduction and face payment are also available in the market, but the secret-free condition has certain limitation: such as limit of amount, transaction type limit, physical location of both parties to the transaction, etc.

From the perspective of security, network payment generally requires a verification password or fingerprint, and in addition, short message verification may also be triggered, and the short message verification code is generally divided into: if the payment safety is guaranteed, the payment action can be finished without a cash register, a payment password or a short message verification code by one key, the method needs to rely on an intelligent payment engine and an intelligent wind control platform, based on a mental model of a user, massive transaction data, a marketing strategy, the consumption habit of the user and a deep learning algorithm, selects an optimal payment mode to hit the mental of the consumer, and provides extremely smooth payment experience for the user.

Therefore, there is a need for a method for completing payment in one touch without any verification during the payment process, so as to solve the above technical problems in the prior art.

Disclosure of Invention

In order to solve the defects of the prior art, the present invention provides a payment method and an electronic device to solve the above technical problems of the prior art.

In order to achieve the above object, the present invention provides in a first aspect a payment method, the method comprising:

receiving a payment request initiated by a user aiming at an order;

judging whether the user opens a quick payment function or not according to a user opening information base;

if yes, judging that the user is a target user, and acquiring a promotion activity according to the order information corresponding to the target user;

determining a deduction sequence according to the promotion activities and a preset deduction rule;

acquiring a first target deduction account number which passes the wind control verification according to the deduction sequence;

and submitting the payment request to a bank and carrying out password-free deduction on the first target deduction account number by the bank.

In some embodiments, before receiving the payment request initiated by the user for the order, the method includes:

acquiring characteristic information of a user, wherein the characteristic information comprises a user grade, user assets and historical trading orders;

scoring users from three dimensions of the user grade, the user assets and the historical trading orders, and determining the users with the scores exceeding a preset threshold value as potential users;

sending an offer to the potential user to open a quick payment function.

In some embodiments, before receiving the payment request initiated by the user for the order, the method further includes:

carrying out wind control verification on the user submitting the quick payment function, and determining the user passing the wind control verification as the target user;

opening a quick payment function for the target user, setting a password-free payment limit for the target user, and storing the user opening information of the target user in the user opening information base.

In some embodiments, the receiving a payment request initiated by a user for an order, applied to a server and a user, includes:

after the server side verifies the digital signature, receiving a payment message, and decrypting the payment message to obtain the payment request;

and the payment message is generated by encrypting the payment request initiated by the target user aiming at the order by the user end, and the payment message comprises a digital signature.

In some embodiments, the determining a deduction sequence according to the promotion activities and a preset deduction rule includes:

calculating the preferential strength enjoyed by all deduction accounts of the target user according to the promotion activity;

and generating the deduction sequence according to the discount strength from big to small.

In some embodiments, the generating the deduction sequence according to the size of the offer degree from large to small further includes:

if the preferential strength enjoyed by the deduction account is the same, judging whether the deduction sequence is preset by the target user;

if the deduction sequence is preset by the target user, using the deduction sequence set by the target user;

and if the deduction sequence is not set by the target user, setting the deduction sequence according to the use frequency of the deduction account from high to low.

In some embodiments, the obtaining a first target deduction account number verified through wind control according to the deduction sequence includes:

and carrying out wind control verification on all the deduction account numbers of the target user according to the deduction sequence until a first target deduction account number passing the wind control verification is obtained.

In some embodiments, the submitting the payment request to a bank and the deducting the first target deduction account number by the bank without a password further comprises:

if the bank does not return abnormal information when performing the password-free deduction on the first target deduction account number, deducting the money on the first target deduction account number by the bank;

if the abnormal information is returned when the bank carries out password-free deduction on the first target deduction account number, skipping the first target deduction account number;

determining the deduction account which passes the wind control verification and does not return the abnormal information when the bank carries out password-free deduction as a second target deduction account according to the deduction sequence;

and deducting the money of the second target deduction account number by the bank.

In some embodiments, the method comprises:

and if the bank does not successfully carry out password-free deduction on all the deduction account numbers, the target user selects the deduction account number to carry out payment.

In a second aspect, the present application provides an electronic device comprising:

one or more processors;

and memory associated with the one or more processors for storing program instructions which, when read and executed by the one or more processors, perform the method of any of claims 1-9.

The beneficial effect that this application realized does:

the application provides a payment method, which is applied to a server and comprises the following steps: receiving a payment request initiated by a user aiming at an order; judging whether the user opens a quick payment function or not according to a user opening information base; if yes, judging that the user is a target user, and acquiring a promotion activity according to the order information corresponding to the target user; determining a deduction sequence according to the promotion activities and a preset deduction rule; acquiring a first target deduction account number which passes the wind control verification according to the deduction sequence; and submitting the payment request to a bank and carrying out password-free deduction on the first target deduction account number by the bank. According to the method and the device, the quick payment function is opened for the user who passes the wind control verification in advance, the payment service is only provided for the user meeting the quick payment qualification, password authentication is not needed in the payment process, the user only needs to submit a payment request, and the order payment speed of the user and the order payment success rate are improved; in addition, the risk control is carried out on the user in the whole process, so that the payment safety is effectively improved; the optimal deduction account number is automatically selected for the user according to the deduction rule obtained according to the promotion activities and the preset deduction rule, the user mind is touched, and the experience feeling of the user is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without inventive efforts, wherein:

FIG. 1 is a schematic illustration of a payment provided by an embodiment of the present application;

FIG. 2 is a flow chart of a payment method provided by an embodiment of the present application;

fig. 3 is a block diagram of an electronic device according to an embodiment of the present disclosure.

Detailed Description

In order to make the purpose, technical solutions and advantages of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, 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 application.

Example one

In order to implement the payment method disclosed in the present application, the method provided in the present application can be applied to a server and a client, as shown in fig. 1:

s100, sending an offer for opening a quick payment function to a potential user;

not every user is willing to activate the quick payment function, that is, not all users are potential users of the quick payment function, so the application screens the users to determine the potential users, and the process of determining the potential users specifically includes:

s110, acquiring characteristic information of a user, wherein the characteristic information comprises a user grade, user assets and historical trading orders;

s120, scoring the user from three dimensions of the user grade, the user asset and the historical trading order, and determining the user with the score exceeding a preset threshold value as a potential user;

the user grade, namely the user accumulated activity and the user transaction amount, generally considers that the higher the user accumulated activity and the more the user transaction amount, the higher the user grade; the user assets are more, namely the number of the bank cards bound by the user, and the more bank cards bound by the user, the more the user assets are considered.

The higher the user's rank, the more user assets and the more historical trading orders, the higher the user score, and the users with scores exceeding a preset threshold are considered as potential users.

The method adopts a deep learning algorithm to obtain the user score, is not limited on a specific algorithm, and takes the user asset dimension as an example, and the core code realized by the user asset scoring algorithm is as follows:

the saved pb file is deployed in an algorithm platform, the algorithm platform provides a PRC method for service system calling, and the calling demo is as follows:

further, to stimulate the user to open the quick payment function, a promotional activity, such as a leave-free activity, is sent to the user at the same time that the offer to open the quick payment function is sent to the potential user.

S200, carrying out wind control verification on the user submitting the quick payment function, and opening the quick payment function for the user passing the wind control verification;

the users submitting the quick payment function are not all potential users, and in order to ensure the payment safety, all the users submitting the quick payment function need to be subjected to wind control verification to judge whether the users have quick payment conditions.

The method mainly comprises the steps that wind control verification is mainly carried out on the aspects of transaction types, historical transaction behavior habits of users, receiving addresses, terminal equipment information and the like, so that various possibilities of occurrence of risk events are reduced or eliminated, and fund loss is avoided; and if the user passes the wind control verification, opening a quick payment function for the user, wherein the user opening the quick payment function is a target user, and the user not opening the quick payment function is a common user.

When the quick payment function is opened for the user, a secret-free payment amount is preset for the user, and the secret-free payment amount can be adjusted in the background; therefore, the method and the device can set different quota for each user and different quota for different scenes. In addition, the scene of submitting and opening the quick payment function is not limited, and the method can be opened in the scenes of recharging a mobile phone, shopping and the like. And after the user successfully opens the quick payment function, storing the user opening information in a user opening information base, wherein the user opening information comprises the password-free payment amount.

S300, acquiring a promotion activity according to a payment request initiated by a target user aiming at an order;

specifically, the service end may first determine whether the user is a target user according to the user provisioning information in the user provisioning information base, and if the user is the target user, provide a quick payment service function for the target user and receive a payment request initiated by the target user for the order. The payment request at least comprises information of a user deduction account; the server determines a payment channel, namely a unionpay channel or an internetwork payment channel, according to a bank of a bank card bound by the user deduction account; and obtaining the current promotion activity in the payment channel according to the payment channel.

The process of the server receiving the payment request sent by the user specifically comprises the following steps:

s310, encrypting a payment request sent by a target user by a user end to generate a payment request message, wherein the payment request message contains a digital signature;

s320, the user side sends a payment request message to the server side;

s330, the server side verifies the digital signature to obtain a payment message, and decrypts the payment message to obtain a payment request.

The digital signature (also called public key digital signature) is a section of digital string which can be generated only by the sender of the information and cannot be forged by others, and the section of digital string is also a valid proof of the authenticity of the information sent by the sender of the information. It is a method for authenticating digital information that is similar to a common physical signature written on paper, but is implemented using techniques in the field of public key cryptography. A set of digital signatures typically defines two complementary operations, one for signing and the other for verification. According to the method and the system, the digital signature is generated by the user side and verified by the server side, so that the problem that the payment request message is tampered is effectively solved. In addition, from the security of data, the data encryption transmission is realized, and the SM2 algorithm is adopted in the application.

S400, according to the promotion activities and the preset deduction rules;

specifically, the steps specifically include: and calculating the preferential strength enjoyed by all the deduction accounts of the target user according to the promotion activities, and generating a deduction sequence from large to small according to the preferential strength. If the preferential strength enjoyed by the deduction account is the same, judging whether a deduction sequence is preset by the target user; if the user presets a deduction sequence, using the deduction sequence set by the target user; if the target user does not set the deduction sequence, setting the deduction sequence according to the use frequency of the deduction account from high to low; and sorting the deduction account numbers of the target users according to the deduction sequence.

S500, carrying out wind control verification on all deduction account numbers of the target user according to the deduction sequence, and acquiring a first target deduction account number passing the wind control verification;

if the current deduction account has abnormal behaviors such as password or wind-controlled short message verification required, skipping the current deduction account, and carrying out risk verification on the next deduction account according to a deduction sequence until the deduction account passing the risk verification is obtained, wherein the account is the first target deduction account; and if the transaction risk abnormal behavior of the current deduction account occurs, terminating the payment behavior.

S600, submitting the first target deduction account to a bank for secret deduction-free money;

if the bank returns the abnormal information when the first target deduction account is subjected to the password-free deduction, skipping the first target deduction account, obtaining a second target account after performing risk verification on other deduction accounts according to the deduction sequence, verifying the second target deduction account again by the bank until the bank does not return the abnormal information when the bank is subjected to the password-free deduction, and deducting the second target deduction account at the moment.

The abnormal information comprises various abnormal information such as bank short message verification codes and insufficient balance which need to be returned by the bank.

In addition, if the bank cannot successfully deduct money from all the deduction accounts of the target user, a standard cash register page is opened, and the user selects which account is used for payment.

Based on the payment method disclosed by the embodiment of the application, the speed of order payment of a user and the success rate of order payment can be improved, the payment safety is effectively improved, the optimal payment account number is automatically selected for the user according to promotion activities and preset payment rules, the mind of the user is reached, and the experience of the user is improved.

To increase the confidence of the present application, the present application provides the following statistical data:

TABLE 1

It can be seen from table 1 that the value order payment success rate generated for the user is 73.04% to 82.53%, demonstrating that the success rate of order payment can be improved after the user has opened the quick payment function.

Example two

In response to the foregoing embodiments, the present application provides a payment method, as shown in fig. 2, the method includes:

2100. receiving a payment request initiated by a user aiming at an order;

preferably, before receiving a payment request initiated by a user for an order, the method includes:

2110. acquiring characteristic information of a user, wherein the characteristic information comprises a user grade, user assets and historical trading orders;

2111. scoring users from three dimensions of the user grade, the user assets and the historical trading orders, and determining the users with the scores exceeding a preset threshold value as potential users;

2112. sending an open quick payment offer to the potential user.

Preferably, before receiving the payment request initiated by the user for the order, the method further includes:

2120. carrying out wind control verification on the user submitting the offer for opening the quick payment function, and determining the user passing the wind control verification as the target user;

2121. opening a quick payment function for the target user, setting a password-free payment limit for the target user, and storing the user opening information of the target user in the user opening information base.

Preferably, the receiving a payment request initiated by a user for an order includes:

2130. after the server side verifies the digital signature, receiving a payment message, and decrypting the payment message to obtain the payment request;

2200. Judging whether the user opens a quick payment function or not according to a user opening information base;

2300. if yes, judging that the user is a target user, and acquiring a promotion activity according to the order information corresponding to the target user;

2400. determining a deduction sequence according to the promotion activities and a preset deduction rule;

preferably, the determining the deduction sequence according to the promotion activities and the preset deduction rules includes:

2410. calculating the preferential strength enjoyed by all deduction accounts of the target user according to the promotion activity;

2411. and generating the deduction sequence according to the discount strength from big to small.

Preferentially, the generating the deduction sequence according to the size of the preferential strength and the sequence from big to small further comprises:

2420. if the preferential strength enjoyed by the deduction account is the same, judging whether the deduction sequence is preset by the target user;

2421. if the deduction sequence is preset by the target user, using the deduction sequence set by the target user;

2422. and if the deduction sequence is not set by the target user, setting the deduction sequence according to the use frequency of the deduction account from high to low.

2500. Acquiring a first target deduction account number which passes the wind control verification according to the deduction sequence;

preferably, the obtaining a first target deduction account number verified by wind control according to the deduction sequence includes:

2510. and carrying out wind control verification on all the deduction account numbers of the target user according to the deduction sequence until a first target deduction account number passing the wind control verification is obtained.

2600. Submitting the payment request to a bank and carrying out password-free deduction on the first target deduction account number by the bank;

preferably, the submitting the payment request to a bank and the making a password-free deduction of the first target deduction account by the bank further includes:

2610. if the bank does not return abnormal information when performing the password-free deduction on the first target deduction account number, deducting the money on the first target deduction account number by the bank;

2611. if the abnormal information is returned when the bank carries out password-free deduction on the first target deduction account number, skipping the first target deduction account number;

2612. determining the deduction account which passes the wind control verification and does not return the abnormal information when the bank carries out password-free deduction as a second target deduction account according to the deduction sequence;

2613. and deducting the money of the second target deduction account number by the bank.

Preferably, the method comprises:

2620. and if the bank does not successfully carry out password-free deduction on all the deduction account numbers, the target user selects the deduction account number to carry out payment.

EXAMPLE III

Corresponding to all the above embodiments, an embodiment of the present application provides an electronic device, including:

one or more processors; and memory associated with the one or more processors for storing program instructions that, when read and executed by the one or more processors, perform operations comprising:

receiving a payment request initiated by a user aiming at an order;

Fig. 3 schematically shows an architecture of an electronic device, which may specifically include a processor 310, a video display adapter 311, a disk drive 312, an input/output interface 313, a network interface 314, and a memory 320. The processor 310, the video display adapter 311, the disk drive 312, the input/output interface 313, the network interface 314, and the memory 320 may be communicatively connected by a bus 330.

The processor 310 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solution provided in the present Application.

The Memory 320 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 320 may store an operating system 321 for controlling the operation of the electronic device 300, and a Basic Input Output System (BIOS)322 for controlling low-level operations of the electronic device 300. In addition, a web browser 323, a data storage management system 324, and an icon font processing system 323 and the like may also be stored. The icon font processing system 323 may be an application program that implements the operations of the foregoing steps in this embodiment of the application. In summary, when the technical solution provided by the present application is implemented by software or firmware, the relevant program code is stored in the memory 320 and called to be executed by the processor 310.

The input/output interface 313 is used for connecting an input/output module to realize information input and output. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.

The network interface 314 is used for connecting a communication module (not shown in the figure) to realize communication interaction between the device and other devices. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).

Bus 330 includes a path that transfers information between various components of the device, such as processor 310, video display adapter 311, disk drive 312, input/output interface 313, network interface 314, and memory 320.

In addition, the electronic device 300 may also obtain information of specific pickup conditions from a virtual resource object pickup condition information database for performing condition judgment, and the like.

It should be noted that although the above devices only show the processor 310, the video display adapter 311, the disk drive 312, the input/output interface 313, the network interface 314, the memory 320, the bus 330, etc., in a specific implementation, the devices may also include other components necessary for normal operation. Furthermore, it will be understood by those skilled in the art that the apparatus described above may also include only the components necessary to implement the solution of the present application, and not necessarily all of the components shown in the figures.

From the above description of the embodiments, it is clear to those skilled in the art that the present application can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present application may be embodied in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, or the like, and includes several instructions for enabling a computer device (which may be a personal computer, a cloud server, or a network device) to execute the method according to the embodiments or some parts of the embodiments of the present application.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

The above description is only exemplary of the present application and should not be taken as limiting the present application, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. A method of payment, the method comprising:

receiving a payment request initiated by a user aiming at an order;

2. The method of claim 1, wherein prior to receiving a payment request initiated by a user for an order, comprising:

sending an offer to the potential user to open a quick payment function.

3. The method of claim 2, wherein prior to receiving a payment request initiated by a user for an order, further comprising:

4. The method according to claim 1, applied to a server and a client, wherein the receiving a payment request initiated by a user for an order comprises:

5. The method of claim 1, wherein determining the deduction sequence according to the promotional program and the predetermined deduction rules comprises:

6. The method of claim 5, wherein the generating the deduction sequence according to the strength of the offer in descending order further comprises:

7. The method according to any one of claims 1 to 5, wherein the obtaining the first target deduction account number verified by the wind control according to the deduction sequence comprises:

8. The method of any one of claims 1-5, wherein submitting the payment request to a bank and a password-free deduction of the first target deductible account number by the bank, further comprises:

9. The method according to any one of claims 1 to 5, characterized in that the method comprises:

10. An electronic device, characterized in that the electronic device comprises:

one or more processors;