CN107808289B

CN107808289B - Electronic payment platform, control method and device

Info

Publication number: CN107808289B
Application number: CN201610819173.5A
Authority: CN
Inventors: 郑博; 陈谦; 刘日佳; 刘志斌; 万伟; 李霖; 段培
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2016-09-09
Filing date: 2016-09-09
Publication date: 2021-02-12
Anticipated expiration: 2036-09-09
Also published as: CN107808289A

Abstract

The invention discloses an electronic payment platform, a control method and a device, and belongs to the field of electronic payment. The electronic payment platform comprises: a credit control system and a payment system; the credit control system is used for acquiring a credit score corresponding to a user account, and the credit score is used for representing the credit level of the user account; the credit control system is used for generating a payment control strategy corresponding to the user account according to the credit score; the credit control system is used for sending a control instruction to the payment system according to the payment control strategy; the payment system is used for carrying out security control on a payment process corresponding to the user account according to the control instruction; the problem that an electronic payment system cannot simultaneously meet the requirements of simplifying an interaction process and guaranteeing payment safety is solved, and the effects of controlling the safety of a payment process and determining a payment process suitable for a user account according to the credit condition of the user account are achieved.

Description

Electronic payment platform, control method and device

Technical Field

The embodiment of the invention relates to the field of electronic payment, in particular to an electronic payment platform, a control method and a control device.

Background

An electronic payment system is a computer system in which a user realizes monetary payment through an electronic terminal.

The electronic payment system mainly ensures the safety of electronic payment through various user authentication modes. Common authentication methods include: password authentication, fingerprint authentication, voiceprint authentication, iris authentication, short message authentication, identity card number authentication, security problem authentication, e-mail box authentication, and the like. In the prior art, different user authentication modes are generally selected according to transaction amount. When the transaction amount is larger, a higher-level user authentication mode is adopted; when the transaction amount is smaller, a lower-level user authentication mode, even an authentication-free mode, is adopted.

The higher-level user authentication mode usually requires a more complicated interaction process, and the lower-level user authentication mode cannot sufficiently ensure the security of the user account, and both cannot be achieved at the same time. That is, the prior art cannot provide a technical scheme, which not only simplifies the interaction process of the electronic payment system, but also fully ensures the security of the user account.

Disclosure of Invention

In order to solve the problems in the prior art, embodiments of the present invention provide an electronic payment platform, a control method, and an apparatus. The technical scheme is as follows:

in a first aspect, an electronic payment platform is provided, comprising: a credit control system and a payment system;

the credit control system is used for acquiring a credit score corresponding to a user account, and the credit score is used for representing the credit level of the user account;

the credit control system is used for generating a payment control strategy corresponding to the user account according to the credit score;

the credit control system is used for sending a control instruction to the payment system according to the payment control strategy;

and the payment system is used for carrying out security control on the payment process corresponding to the user account according to the control instruction.

In a second aspect, there is provided a method of controlling an electronic payment platform, the electronic payment platform comprising a credit control system and a payment system, the method comprising:

the credit control system acquires a credit score corresponding to a user account, wherein the credit score is used for representing the credit level of the user account;

the credit control system generates a payment control strategy corresponding to the user account according to the credit score;

the credit control system sends a control instruction to the payment system according to the payment control strategy;

and the payment system carries out security control on the payment process corresponding to the user account according to the control instruction.

In a third aspect, a method for controlling an electronic payment platform is provided, the method including:

acquiring a credit score corresponding to a user account, wherein the credit score is used for representing the credit level of the user account;

generating a payment control strategy corresponding to the user account according to the credit score;

and sending a control instruction to the payment system according to the payment control strategy, wherein the payment system is used for carrying out security verification on a payment process corresponding to the user account according to the control instruction.

In a fourth aspect, there is provided a control apparatus for an electronic payment platform, the apparatus comprising:

the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring a credit score corresponding to a user account, and the credit score is used for representing the credit level of the user account;

the generating module is used for generating a payment control strategy corresponding to the user account according to the credit score;

and the sending module is used for sending a control instruction to the payment system according to the payment control strategy, and the payment system is used for carrying out security verification on a payment process corresponding to the user account according to the control instruction.

The technical scheme provided by the embodiment of the invention has the following beneficial effects:

according to the control method of the electronic payment platform, the credit value of the user account is obtained through the credit control system, the credit control system generates the payment control strategy corresponding to the user account according to the credit value, the control command is sent to the payment system according to the payment control strategy, and the payment system carries out security control on the payment process corresponding to the user account according to the control command, so that the problems that the electronic payment system cannot simultaneously meet the requirements of simplifying an interaction process and guaranteeing the payment security are solved, the reasonable payment control strategy is used for different user accounts according to different credit values, the interaction process of the user account with the heightened credit value can be simplified, and the security of the payment process of the user account with the poorer credit value can be controlled.

Drawings

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 structural diagram of an electronic payment system provided by an exemplary embodiment of the present invention;

fig. 2 is a schematic structural diagram of an electronic payment system provided by another exemplary embodiment of the present invention;

fig. 3 is a flowchart of a method for controlling an electronic payment platform according to an exemplary embodiment of the present invention;

fig. 4 is a flowchart of a method for controlling an electronic payment platform according to another exemplary embodiment of the present invention;

fig. 5 is a flowchart of a method for controlling an electronic payment platform according to another exemplary embodiment of the present invention;

fig. 6 is a flowchart of a method for controlling an electronic payment platform according to another exemplary embodiment of the present invention;

fig. 7 is a flowchart of a method for controlling an electronic payment platform according to another exemplary embodiment of the present invention;

fig. 8 is a flowchart of a method for controlling an electronic payment platform according to another exemplary embodiment of the present invention;

fig. 9 is a flowchart of a method for controlling an electronic payment platform according to another exemplary embodiment of the present invention;

fig. 10 is a flowchart of a method of controlling an electronic payment platform according to another exemplary embodiment of the present invention;

fig. 11 is a flowchart of a method for controlling an electronic payment platform according to another exemplary embodiment of the present invention;

fig. 12A is a schematic structural diagram of an electronic payment system provided by another exemplary embodiment of the present invention;

fig. 12B is a schematic diagram of an implementation of the control of the electronic payment platform provided by another exemplary embodiment of the present invention;

fig. 13 is a block diagram of a control apparatus of an electronic payment platform provided in another exemplary embodiment of the present invention;

fig. 14 is a block diagram of an electronic payment platform according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Referring to fig. 1, a schematic structural diagram of an electronic payment system according to an exemplary embodiment of the present invention is shown. The electronic payment system includes: a first terminal 110, a second terminal 120, an electronic payment platform 130, and a third party credit server 140.

The first terminal 110 and the second terminal 120 have data transmission capabilities, such as: mobile phones, tablet computers, electronic book readers, etc. The first terminal 110 and/or the second terminal 120 have a user client having a payment function installed therein. Optionally, the user client logs in a user account.

The electronic payment platform 130 is a server, or a server cluster formed by a plurality of servers, or a cloud computing center, and the electronic payment platform 130 is used for realizing resource transfer between user accounts according to credit scores corresponding to the user accounts, and the credit scores are used for representing credit levels of the user accounts.

Third party credit server 140 is a server, or a cluster of servers if multiple servers form, or a cloud computing center. The third-party credit server 140 stores credit score or credit information corresponding to the user account, wherein the credit information refers to records generated by the user in social activities and related to credit behaviors, and the credit information includes at least one of financial credit records, shopping records, payment records, social behavior records and online behavior records.

Optionally, the number of the first terminals 110 is at least one, and fig. 1 illustrates that only one first terminal 110 is shown.

Optionally, the number of the second terminals 120 is at least one, and fig. 1 illustrates only two second terminals 120.

The first terminal 110 is connected with the electronic payment platform 130 through a wireless network or a wired network, the second terminal 120 is connected with the electronic payment platform 130 through a wireless network or a wired network, and the third party credit server 140 is connected with the electronic payment platform 130 through a wireless network or a wired network.

Optionally, the wireless network or wired network described above uses standard communication techniques and/or protocols. The Network is typically the Internet, but may be any Network including, but not limited to, a Local Area Network (LAN), a Metropolitan Area Network (MAN), a Wide Area Network (WAN), a mobile, wireline or wireless Network, a private Network, or any combination of virtual private networks. In some embodiments, data exchanged over a network is represented using techniques and/or formats including Hypertext Mark-up Language (HTML), Extensible Markup Language (XML), and the like. All or some of the links may also be encrypted using conventional encryption techniques such as Secure Socket Layer (SSL), Transport Layer Security (TLS), Virtual Private Network (VPN), Internet Protocol Security (IPsec). In other embodiments, custom and/or dedicated data communication techniques may also be used in place of, or in addition to, the data communication techniques described above.

Referring to fig. 2, a schematic structural diagram of an electronic payment system according to another exemplary embodiment of the present invention is shown. The electronic payment system includes: a first terminal 110, a second terminal 120, an electronic payment platform 130, and a third party credit server 140. Wherein:

The electronic payment platform 130 is a server, or a server cluster composed of several servers, or a cloud computing center. Optionally, the electronic payment platform 130 comprises: credit control system 131 and payment system 132. The credit control system 131 is configured to obtain a credit score corresponding to the user account, generate a payment control policy corresponding to the user account according to the credit score, and control the payment system 132 according to the payment control policy. The payment system 132 is configured to receive control of the credit control system 131, implement security control on a payment process corresponding to a user account, and implement resource transfer between user accounts.

The payment process comprises at least one of payment bill generation, user authentication, payment medium generation, payment data information verification, man-machine interaction, payment bill entering settlement process and user account entering clearing process.

Third party credit server 140 is a server or a cluster of servers or a cloud computing center. The third party credit server 140 stores credit scores or credit information corresponding to the user account.

Optionally, the number of the first terminals 110 is at least one, and fig. 2 illustrates that only one first terminal 110 is shown.

Optionally, the number of the second terminals 120 is at least one, and fig. 2 illustrates only two second terminals 120.

Referring to fig. 3, a flowchart of a control method of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The embodiment is exemplified by applying the control method to the electronic payment system described in fig. 2. The control method comprises the following steps:

step 301, the credit control system obtains a credit score corresponding to a user account.

The credit score is used to represent a credit rating of the user account. Optionally, the larger the credit score corresponding to the user account is, the higher the credit rating of the user account is.

Optionally, when payment such as payment or collection or transfer occurs in the user account, the credit control system obtains a credit score corresponding to the user account.

Optionally, when the payment document enters the settlement process or the user account enters the clearing process, the credit control system obtains the credit score corresponding to the user account.

The clearing process refers to the process of ending the existing legal relationship, processing the residual property and leading the existing legal relationship to be eliminated, and comprises calculation, verification and the like.

In some cases, when generating the payment document, the payment document may not enter the settlement process immediately, but enter the settlement process at a certain time, and at this time, the credit payment system needs to obtain a credit score corresponding to the user account related to the payment document.

The settlement process refers to a process of summarizing and accounting all the income and expenditure situations pinched in a certain period.

Step 302, the credit control system generates a payment control policy corresponding to the user account according to the credit score.

A payment control policy is a policy for controlling the security of a payment process. The payment process comprises at least one of payment bill generation, user authentication, payment medium generation, payment data information verification, man-machine interaction, payment bill entering settlement process and user account entering clearing process.

Step 303, the credit control system sends a control instruction to the payment system according to the payment control policy.

And 304, the payment system performs security control on the payment process corresponding to the user account according to the control instruction.

Optionally, the payment system controls the security of the account authority corresponding to the user account according to the control instruction; optionally, the payment system controls the security of the payment information stream generated in the payment process according to the control instruction; optionally, the payment system controls the security of the payment step in the payment flow according to the control instruction; optionally, the payment system controls resource security of the user account in the payment process corresponding to the user account according to the control instruction.

In summary, in the control method of the electronic payment platform provided in the embodiment of the present invention, the credit control system obtains the credit value of the user account, the credit control system generates the payment control policy corresponding to the user account according to the credit value, and sends the control instruction to the payment system according to the payment control policy, and the payment system performs security control on the payment process corresponding to the user account according to the control instruction, so that the problems that the electronic payment system cannot satisfy the requirements of simplifying the interaction process and ensuring the payment security at the same time are solved, and the effects of controlling the security of the payment process and determining the payment process suitable for the user account according to the credit condition of the user account are achieved.

Optionally, the payment control policy in the embodiment of fig. 3 includes at least one of the following policies:

a policy for controlling a type of the user authentication manner;

a policy for controlling a difficulty attribute of a user authentication mode;

a policy for controlling a level of complexity of a payment medium in a payment process;

a policy for controlling the verification level of the payment data information in the payment process;

a strategy for controlling a man-machine interaction mode of a payment process;

a policy for controlling a payment mode of a payment process;

and the strategy is used for controlling the account authority of the user account under the specified payment mode.

And when the payment strategy comprises a strategy for controlling the type of the user authentication mode, the credit control system controls the user authentication mode in the payment process according to the credit score.

Referring to fig. 4, a flowchart of a control method of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The embodiment is exemplified by applying the control method to the electronic payment system described in fig. 2. The control method comprises the following steps:

step 401, the credit control system obtains a credit score corresponding to a user account.

The credit score is used to indicate a credit rating of the user account, and the credit control system determines the credit rating based on the credit score.

The credit scores corresponding to the user accounts are different, and the credit grades of the user accounts are different. The higher the credit score, the higher the credit rating; the lower the credit score, the lower the credit rating.

This step has already been explained in detail in step 301 and will not be described further here.

Step 402, the credit control system determines a user authentication mode in the payment process according to the credit score.

The user authentication method comprises the following steps: at least one of a verification-free mode, character password authentication, digital password authentication, stroke password authentication, gesture password authentication, fingerprint authentication, voiceprint authentication, iris authentication, short message authentication, mailbox authentication, identity card photo authentication, identity card number authentication and security problem authentication.

Optionally, the credit score corresponding to the user account is in a negative correlation with the human-computer interaction difficulty level of the user authentication mode. The higher the credit score corresponding to the user account is, the higher the credit grade of the user account is, and the lower the difficulty degree of man-machine interaction of a user authentication mode is; the lower the credit score corresponding to the user account is, the lower the credit grade of the user account is, and the higher the difficulty degree of man-machine interaction of the user authentication mode is.

Such as: the credit rating of the user account is 5 grades, the user authentication mode comprises a verification-free mode, fingerprint authentication, short message verification code authentication, character password authentication and iris authentication, and the corresponding relation between the credit rating of the user account and the user authentication mode is shown in a table I.

Watch 1

Credit rating	User authentication method
		First class	Iris authentication
Second level	Fingerprint authentication
		Third level	Short message verification code authentication
Fourth level	Character password authentication
		Fifth grade	Verification-free mode

As shown in table one, the highest credit level is the fifth level, and the user authentication mode corresponding to the fifth level is the verification-free mode; the lowest credit rating is the first rating, and the user authentication mode corresponding to the first rating is iris authentication.

In step 403, the credit control system sends a first control instruction to the payment system.

The first control instruction is used for controlling the payment system to adopt a user authentication mode for the user account.

Such as: the credit control system obtains that the credit score corresponding to the user account is 200, determines that the credit grade is a second grade according to the credit score, and sends a first control instruction to the payment system if the verification mode is fingerprint authentication, wherein the first control instruction is used for controlling the payment system to adopt a fingerprint authentication mode for the user account.

In step 404, the payment system receives a first control instruction sent by the credit control system.

Step 405, the payment system adopts a user authentication mode for the user account according to the first control instruction.

And the payment system sets a user authentication mode corresponding to the user account according to the second control instruction.

It should be noted that, the above steps 401 to 403 may be implemented separately as an embodiment of a method on the credit control system side, and the above steps 404 and 405 may be implemented separately as an embodiment of a method on the payment system side.

In summary, the control method of the electronic payment platform provided in the embodiment of the present invention further determines, by the credit control system, the user authentication manner in the payment process according to the credit score, and sends the first control instruction for controlling the payment system to adopt the user authentication manner to the payment system, so as to achieve an effect of adopting different user authentication manners for user accounts with different credit scores, and improve the payment efficiency while reducing the payment risk.

And when the payment strategy comprises a strategy for controlling the difficulty attribute of the user authentication mode, the credit control system controls the difficulty attribute of the user authentication mode in the payment process according to the credit score.

Referring to fig. 5, a flowchart of a control method of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The embodiment is exemplified by applying the control method to the electronic payment system described in fig. 2. The control method comprises the following steps:

step 501, the credit control system obtains a credit score corresponding to a user account.

This step has already been explained in step 301 and will not be described here.

Step 502, the credit control system determines the difficulty attribute of the user authentication mode in the payment process according to the credit score.

The difficulty attributes include: at least one of the maximum error input times of the password, the matching degree threshold of fingerprint authentication, the matching degree threshold of voiceprint authentication, the matching degree threshold of iris authentication, the effective duration of the short message verification code, the length of the short message verification code, the effective duration of the mailbox verification code, the length of the mailbox verification code, the matching degree threshold of the identity card photo, the matching degree threshold of the identity card number, the number of safety problems and the complexity level of the safety problems.

Optionally, the difficulty attributes of the character password authentication, the digital password authentication, the stroke password authentication and the gesture password authentication include the maximum error input times of the password; the difficulty attribute of the fingerprint authentication comprises a matching degree threshold value of the fingerprint authentication; the difficult and easy attribute of the voiceprint authentication comprises a matching degree threshold value of the voiceprint authentication; the difficulty attribute of the short message verification code authentication comprises at least one of the effective duration of the short message verification code and the length of the short message verification code; the difficulty attribute of the mailbox verification code authentication comprises at least one of the effective duration of the mailbox verification code and the length of the mailbox verification code; the difficulty attribute of the identity card photo verification comprises a matching degree threshold value of the identity card photo; the difficulty attribute of the identification number verification comprises a matching degree threshold value of the identification number; the difficult-to-authenticate attributes of the security issues include at least one of a number of security issues and a level of complexity of the security issues.

Optionally, the credit score corresponding to the user account is in a negative correlation with the difficulty attribute of the user authentication mode. The higher the credit score corresponding to the user account is, the higher the credit rating of the user account is, and the lower the difficulty of the user authentication mode is, the lower the credit score corresponding to the user account is, and the lower the credit rating of the user account is, the higher the difficulty of the user authentication mode is.

Such as: taking the user authentication mode as the short message verification code as an example, the credit rating of the user account has 5 ratings, the difficulty attribute of the short message verification code is the effective duration of the short message verification code, and the corresponding relationship between the credit rating of the user account and the difficulty attribute of the short message verification code is shown in table two.

Watch two

Credit rating	Difficulty attribute (effective time length) of short message identifying code
		First class	30 seconds
Second level	1 minute
		Third level	2 minutes
Fourth level	3 minutes
		Fifth grade	5 minutes

As shown in table two, the highest credit level is the fifth level, the effective duration of the short message verification code, which is the difficulty attribute corresponding to the fifth level, is 60 minutes, the lowest credit level is the first level, and the effective duration of the short message verification code, which is the difficulty attribute corresponding to the first level, is 30 minutes.

Such as: the user authentication mode is character password authentication, the credit levels of the user account are 3 in total, the difficulty attribute of the authentication mode is the maximum error input times of the password, and the corresponding relation between the credit levels of the user account and the maximum error input times of the password is shown in a table three:

watch III

Credit rating	Maximum number of wrong inputs of password
		First class	1 time of
Second level	2 times (one time)
		Third level	3 times of

As shown in table three, the highest credit level is the third level, the maximum error input times of the difficult attribute, i.e., the password, corresponding to the third level is 3 times, the lowest credit level is the first level, and the maximum error input times of the difficult attribute, i.e., the password, corresponding to the first level is 1 time. Similarly, the difficult and easy attributes of the digital password authentication, the stroke password authentication and the gesture password authentication can refer to table three, and are not described herein again.

Such as: the user authentication mode is fingerprint authentication, the credit levels of the user accounts are 3 in total, the difficulty attribute of the authentication mode is the matching degree threshold value of the fingerprint authentication, and the corresponding relation between the credit levels of the user accounts and the matching degree threshold value is shown in a table four:

watch four

Credit rating	Threshold of degree of match
		First class	99％
Second level	95％
		Third level	90％

As shown in table four, the highest credit level is the third level, the difficulty attribute, i.e., the threshold of matching degree, corresponding to the third level is 90%, the lowest credit level is the first level, and the difficulty attribute, i.e., the threshold of matching degree, corresponding to the first level is 99%. Similarly, the difficult and easy attributes of voiceprint authentication, iris authentication, identification card authentication and identification number authentication can refer to table four, which is not repeated here.

Such as: the user authentication mode is a short message verification code, the credit levels of the user account are 3 in total, the difficulty attribute of the authentication mode is the length of the short message verification code, and the corresponding relation between the credit levels of the user account and the length of the verification code is shown in a table five:

watch five

As shown in table five, the highest credit level is the third level, the length of the code is 4 characters, the lowest credit level is the first level, and the length of the code is 10 characters. Similarly, the difficult and easy attribute of mailbox verification code authentication can refer to table five, which is not described herein again.

Such as: the user authentication mode is security problem authentication, the credit levels of the user accounts are 3 in total, the difficulty attribute of the authentication mode is the number of the security problems, and the corresponding relation between the credit levels of the user accounts and the number of the security problems is shown in a table six:

watch six

Credit rating	Number of safety issues
		First class	3 are provided with
Second level	2 are provided with
		Third level	1 is provided with

As shown in table six, the highest credit level is the third level, the number of the difficult and easy attributes, i.e., the number of the security questions corresponding to the third level is 1, the lowest credit level is the first level, and the number of the difficult and easy attributes, i.e., the number of the security questions corresponding to the first level is 3.

Such as: the user authentication mode is security problem authentication, the credit levels of the user account are 3 in total, the difficulty attribute of the authentication mode is the complex level of the security problem, and the corresponding relationship between the credit level of the user account and the complex level of the security problem is shown in table seven:

watch seven

Credit rating	Level of complexity of security issues
		First class	Difficulty in
Second level	Medium and high grade
		Third level	Simple and easy

As shown in table seven, the highest credit level is the third level, the difficulty attribute corresponding to the third level, that is, the complex level of the security problem, is simple, the lowest credit level is the first level, and the difficulty attribute corresponding to the first level, that is, the complex level, is difficult.

Step 503, the credit control system sends a second control instruction to the payment system.

The first control instruction is used for controlling the payment system to adopt the user authentication mode of the difficulty attribute to the user account.

Such as: the credit control system obtains that the credit score corresponding to the user account is 200, the verification mode is short message verification code authentication, the credit grade is determined to be a second grade according to the credit score, the effective duration of the short message verification code is 10 minutes, the credit control system sends a second control instruction to the payment system, and the second control instruction is used for controlling the payment system to adopt the short message verification code with the effective duration of 10 minutes to the user account.

In step 504, the payment system receives a second control instruction sent by the credit control system.

And 505, the payment system adopts the user authentication mode with the difficulty attribute for the user account according to the second control instruction.

And the payment system sets the difficulty attribute of the user authentication mode corresponding to the user account according to the second control instruction.

It should be noted that, the above steps 501 to 503 can be implemented separately as an embodiment of a method on the credit control system side, and the above steps 504 and 505 can be implemented separately as an embodiment of a method on the payment system side.

In summary, in the control method of the electronic payment platform provided in the embodiment of the present invention, the difficulty attribute of the user authentication manner in the payment process is determined according to the credit score by the credit control system, and the second control instruction is sent to the payment system, and the payment system adopts the user authentication manner with the corresponding difficulty attribute according to the second control instruction, so that the effect of adopting the difficulty attribute of different user authentication manners for user accounts with different credit scores is achieved, and the payment efficiency is improved while the payment risk is reduced.

When the payment policy includes a policy for controlling a level of complexity of the payment medium, the credit control system controls the level of complexity of the payment medium in the payment process according to the credit score.

Referring to fig. 6, a flowchart of a control method of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The embodiment is exemplified by applying the control method to the electronic payment system described in fig. 2. The control method comprises the following steps:

step 601, the credit control system obtains a credit score corresponding to the user account.

The credit control system determines a level of complexity of the payment vehicle in the payment process based on the credit score, step 602.

The payment medium is used to effect resource transfer between the user account and other user accounts.

The payment medium includes: at least one of a two-dimensional code, a bar code, an NFC (Near Field Communication) signal, a sound wave, and a payment key.

The complexity levels include: at least one of the size of the graphic code, the resolution of the graphic code, the fault tolerance rate of the graphic code, the grade of the payment information encryption algorithm, the grade of the payment key, the working mode of the NFC equipment, the frequency of sound wave transmission, the duration of sound wave transmission and the loudness of sound wave transmission. The fault tolerance rate may also be referred to as a fault tolerance level or a fault tolerance level.

Optionally, when the payment medium is a two-dimensional code or a barcode, the complexity level of the payment medium includes at least one of a size of the graphic code, a fault tolerance rate of the graphic code, and a resolution of the graphic code. When the payment medium is an NFC signal, the level of complexity of the payment medium includes an operating mode of the NFC device, wherein the operating mode of NFC includes a card emulation mode, a peer-to-peer mode, and a card reader mode; when the payment medium is an acoustic wave, the level of complexity of the payment medium includes at least one of a number of times the acoustic wave is transmitted, a length of time the acoustic wave is transmitted, and a loudness of the acoustic wave is transmitted; when the payment medium is a payment key, the level of complexity of the payment medium includes a payment key rating.

Optionally, the credit score corresponding to the user account is inversely related to the complexity of the payment medium. The higher the credit score corresponding to the user account is, the higher the credit rating of the user account is, and the lower the complexity level of the payment medium is, the lower the credit score corresponding to the user account is, and the lower the credit rating of the user account is, and the higher the complexity level of the payment medium is.

Such as: taking the payment medium as the two-dimensional code as an example, the credit level of the user account has 5 levels, the complex level of the two-dimensional code is the resolution of the two-dimensional code, and the correspondence between the credit level of the user account and the complex level of the two-dimensional code is shown in table eight.

Table eight

Credit rating	Complexity level (resolution) of two-dimensional code
		First class	30 x 30 module
Second level	25 × 25 module
		Third level	20 x 20 module
Fourth level	15 x 15 module
		Fifth grade	10 x 10 module

As shown in table eight, the highest credit rating is a fifth rating, the resolution of the complex rating corresponding to the fifth rating, that is, the two-dimensional code, is 10 × 10 modules, the lowest credit rating is a first rating, and the resolution of the complex rating corresponding to the first rating, that is, the two-dimensional code, is 30 × 30 modules.

Such as: taking the payment medium as the graphic code as an example, the credit level of the user account has 4 levels, the complexity level of the two-dimensional code is the size of the graphic code, and the corresponding relationship between the credit level of the user account and the size of the graphic code is shown in table nine.

Watch nine

Credit rating	Size of graphic code
		First class	4 cm by 3 cm
Second level	3.5 cm by 3 cm
		Third level	3 cm by 2 cm
Fourth level	2 cm by 1 cm

As shown in table nine, the credit rating is highest to the fourth rating, the size of the graphic code corresponding to the fourth rating is 2 cm × 1 cm, the credit rating is lowest to the first rating, and the size of the graphic code corresponding to the first rating is 4 cm × 3 cm.

Such as: taking the payment medium as a two-dimensional code as an example, the credit level of the user account has 4 levels, the complex level of the two-dimensional code is the fault tolerance rate of the two-dimensional code, and the corresponding relationship between the credit level of the user account and the fault tolerance rate is shown in table ten.

Watch ten

Credit rating	Fault tolerance rate
		First class	L level (7% of the character code can be corrected)
Second level	M level (15% of the word can be modified)
		Third level	Q level (25% of the word can be modified)
Fourth level	H level (30% of the character code can be corrected)

As shown in table ten, the highest credit level is the fourth level, the complexity level corresponding to the fourth level, that is, the fault tolerance rate, is the H level, the lowest credit level is the first level, and the complexity level corresponding to the first level, that is, the fault tolerance rate, is the L level.

Such as: the payment medium is a payment key, the credit rating of the user account has 3 levels, the complexity level of the payment key is the level of the payment key, and the corresponding relation between the credit rating of the user account and the level of the payment key is shown in table eleven.

Watch eleven

Credit rating	Ranking of payment keys
		First class	Height of
Second level	Medium and high grade
		Third level	Is low in

As shown in table eleven, the highest credit level is the third level, the complexity level corresponding to the third level, that is, the payment key level, is low, the lowest credit level is the first level, and the complexity level corresponding to the first level, that is, the payment key level, is high. Similarly, the grade of the payment information encryption algorithm can also refer to table five, which is not described herein again.

Such as: the payment medium is an NFC signal, the credit rating of the user account has 3 ratings, the complexity level of the NFC signal is the operation mode of the NFC device, and the correspondence between the credit rating of the user account and the operation mode of the NFC device is shown in table twelve.

Watch twelve

Credit rating	Operating mode of NFC device
		First class	Card reader mode
Second level	Point-to-point mode
		Third level	Card emulation mode

As shown in table twelve, the highest credit level is the third level, the complex level corresponding to the third level, that is, the operating mode of the NFC device, is the card simulation mode, the lowest credit level is the first level, and the complex level corresponding to the first level, that is, the operating mode of the NFC device, is the card reader mode.

Such as: the payment medium is sound waves, the credit level of the user account is 3 levels, the complexity level of the NFC signal is at least one of the number of sound wave transmission times, the sound wave transmission duration and the sound wave transmission loudness, and the corresponding relation between the credit level of the user account and the complexity level is shown in a table thirteen.

Watch thirteen

Credit rating	Number of times of acoustic wave transmission	Duration of acoustic transmission	Loudness of acoustic transmission
				First class	1 time of	1 second	Is low in
Second level	2 times (one time)	2 seconds	In
				Third level	3 times of	3 seconds	Height of

As shown in table thirteen, the highest credit level is the third level, the number of times of sound wave transmission corresponding to the third level is 3, the duration of sound wave transmission is 3 seconds, and the loudness of sound wave transmission is high; the lowest credit rating is the first rating, the number of sound wave transmissions corresponding to the first rating is 1, the duration of the sound wave transmissions is 1 second, and the loudness of the sound wave transmissions is low.

Step 603, the credit control system sends a third control instruction to the payment system.

And the third control instruction is used for controlling the payment system to adopt the payment medium with the complexity level to the user account.

Such as: the credit control system obtains that the credit value corresponding to the user account is 200, the payment medium is a two-dimensional code, the credit level is determined to be a second level according to the credit value, and the resolution of the two-dimensional code is 20ppi, the credit control system sends a third control instruction to the payment system, and the third control instruction is used for controlling the payment system to adopt the two-dimensional code with the resolution of 20ppi for the user account.

In step 604, the payment system receives a third control instruction sent by the credit control system.

In step 605, the payment system applies the payment medium with the complexity level to the user account according to the third control instruction.

And the payment system sets the complexity level of the payment medium corresponding to the user account according to the third control instruction.

It should be noted that, the above steps 601 to 603 may be implemented separately as an embodiment of a method on the credit control system side, and the above steps 604 and 605 may be implemented separately as an embodiment of a method on the payment system side.

In summary, in the control method of the electronic payment platform provided in the embodiment of the present invention, the credit control system further determines the complexity level of the payment medium in the payment process according to the credit score, and sends the third control instruction to the payment system, and the payment system adopts the payment medium of the corresponding complexity level according to the third control instruction, so that the effect of adopting the payment medium of different complexity levels for the user accounts with different credit scores is achieved, and the payment efficiency is improved while the payment risk is reduced.

When the payment policy includes a policy for controlling a verification level of the payment data information, the credit control system controls the verification level of the payment data information in the payment flow according to the credit score.

Referring to fig. 7, a flowchart of a control method of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The embodiment is exemplified by applying the control method to the electronic payment system described in fig. 2. The control method comprises the following steps:

step 701, the credit control system obtains a credit score corresponding to a user account.

In step 702, the credit control system determines the verification level of the payment data information in the payment process according to the credit score.

The payment data information includes: at least one of an order name, a commodity name, a payment amount, a payment time, payment remark information and payment contact information.

Optionally, the credit score corresponding to the user account is in a negative correlation with the verification level of the payment data information. The higher the credit score corresponding to the user account is, the higher the credit rating of the user account is, the lower the verification level of the payment data information is, the lower the credit score corresponding to the user account is, the lower the credit rating of the user account is, and the higher the verification level of the payment data information is.

Optionally, the credit control system determines a verification level of at least one of the order name, the commodity name, the payment amount, the payment time, the payment remark information, and the payment contact information according to the credit score.

Such as: the credit rating of the user account has 5 ratings, and the correspondence between the credit rating of the user account and the verification rating is shown in table fourteen.

Table fourteen

Credit rating	Check level
		First class	Fifth level
Second level	Fourth grade
		Third level	Third level of classification
Fourth level	Second grade
		Fifth grade	First level

As shown in table fourteen, the highest credit level is the fifth level, the lowest verification level corresponding to the fifth level is the first level, the lowest credit level is the first level, and the highest verification level corresponding to the first level is the fifth level.

Step 703, the credit control system sends a fourth control instruction to the payment system.

And the fourth control instruction is used for controlling the payment system to carry out security verification of the verification level on the payment data information of the user account.

In step 704, the payment system receives a fourth control command sent by the credit control system.

And 705, the payment system adopts the security verification of the verification level to the payment data information of the user account according to the fourth control instruction.

Optionally, the payment system performs security verification on the payment data information of the user account according to the fourth control instruction, and prompts the user or further performs security verification on the payment data information when a risk is verified. Such as: and if the payment amount is different, prompting the user that the payment amount is different.

Optionally, the payment system performs sensitive word detection on the payment data information, and adopts different levels of security verification for user accounts with different credit scores. Optionally, the sensitive word is a word that violates a law or a preset word.

Such as: the payment system detects that the trade name is called as 'simulated toy gun', detects the credit score corresponding to the payment account, if the credit grade corresponding to the credit score is the highest grade, the security check is carried out in a low-grade check mode, and if the credit grade corresponding to the credit score is the lowest grade, the security check is carried out in a high-grade check mode.

Such as: the payment system identifies the telephone number of the payment remark information, if the credit level of the credit score corresponding to the collection account is detected to be the highest level, the telephone number is detected in the information number table of the common merchant, if the credit level of the credit score of the collection account is detected to be the lowest level, the telephone number is detected in the fraud number table, and if the number exists in the fraud number table, the payment user is prompted that the collection user is a suspected fraud person.

Such as: the payment system identifies the payment time, if the credit level of the credit score corresponding to the payment account is detected to be the highest level, the payment time is recorded, the payment time is not compared with other payment time of the payment account, if the credit level of the credit score of the collection account is the lowest level, the payment time is compared with other payment time of the payment account, and if the payment time is abnormal, the payment account is prompted to confirm payment.

It should be noted that, the above steps 701 to 703 may be implemented separately as an embodiment of a method on the credit control system side, and the above steps 704 and 705 may be implemented separately as an embodiment of a method on the payment system side.

In summary, in the control method of the electronic payment platform provided in the embodiment of the present invention, the credit control system further determines the verification level of the payment data information according to the credit score, and sends the fourth control instruction to the payment system, and the payment system performs security verification of the verification level on the payment data information of the user account according to the fourth control instruction, so that an effect of performing security verification of different verification levels on the payment data information of the user account with different credit scores is achieved, and the payment efficiency is improved while the payment risk is reduced.

And when the payment strategy comprises a strategy for controlling a man-machine interaction mode, the credit control system controls the man-machine interaction in the payment process according to the credit value.

Referring to fig. 8, a flowchart of a control method of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The embodiment is exemplified by applying the control method to the electronic payment system described in fig. 2. The control method comprises the following steps:

step 801, the credit control system obtains a credit score corresponding to a user account.

Step 802, the credit control system determines a man-machine interaction mode in the payment process according to the credit score.

The man-machine interaction mode comprises the following steps: the display level of the graphical user interface, the display sequence of the graphical user interface, the mode of the user confirmation operation, the times of the user confirmation operation and the detailed level of the user feedback information.

Optionally, the credit score corresponding to the user account is in a negative correlation with the verification level of the payment data information, and the higher the credit score corresponding to the user account is, the higher the credit level of the user account is, the lower the detailed level of the user feedback information is, or the fewer the user confirmation times are, or the simpler the display hierarchy of the graphical user interface is, or the simpler the display sequence of the graphical user interface is, or the simpler the user confirmation mode is; the lower the credit score corresponding to the user account is, the lower the credit level of the user account is, the higher the detailed level of the user feedback information is, or the more the user confirmation times are, or the more complicated the display hierarchy of the graphical user interface is, or the more complicated the display sequence of the graphical user interface is, or the more complicated the user confirmation mode is.

The user feedback information comprises the order name, the payment account, the collection account, the commodity name, the payment amount, the payment time and the payment remark information in the payment document.

The user confirmation mode comprises biological feature confirmation (fingerprint, voiceprint, iris and the like), NFC signal confirmation, sound wave confirmation and password confirmation (digital password, gesture password, image password, character password and the like).

The number of user confirmations is determined according to the actual payment process, such as: the number of user confirmations is at most 5 times and at least 0 times.

The display levels or the display sequence of the image display interface are determined according to the actual situation of the payment document, and the feedback information of the user displayed in each display level or display sequence is different, such as: the image display interface has 3 levels at most or 5 orders at most, and 1 level at least or 1 order at least.

Such as: the credit rating of the user account has 5 ratings, and the correspondence between the credit rating of the user account and the detailed rating of the user feedback information is shown in table fifteen.

Fifteen items of table

Credit rating	Level of detail of user feedback information
		First class	Fifth level
Second level	Fourth grade
		Third level	Third level of classification
Fourth level	Second grade
		Fifth grade	First level

As shown in table fifteen, the highest credit level is the fifth level, the lowest detailed level of the user feedback information corresponding to the fifth level is the first level, the lowest credit level is the first level, and the highest detailed level of the user feedback information corresponding to the first level is the fifth level; the higher the detailed level of the user feedback information is, the more information in the user feedback information is, and the lower the detailed level of the user feedback information is, the less information in the user feedback information is.

Such as: if the credit grade of the credit score is the highest grade, feeding back the payment amount, the commodity name and the payment time in the payment document to the user; and if the credit grade of the credit score is the lowest grade, feeding back all information in the payment document, namely the order name, the payment account, the collection account, the commodity name, the payment amount, the payment time and the payment remark information to the user.

Such as: and if the credit rating of the credit score is the lowest level, the user confirmation mode is iris authentication, and if the credit rating of the credit score is the highest level, the user confirmation mode is password confirmation.

Such as: if the credit rating of the credit score is the lowest level, the number of times of user confirmation is 5, and if the credit rating of the credit score is the highest level, the user confirmation is not required.

Such as: if the credit level of the credit score is the lowest level, the display level of the image display interface is 3 levels, and if the credit level of the credit score is the highest level, the display level of the image display interface is 1 level.

In step 803, the credit control system sends a fifth control instruction to the payment system.

And the fifth control instruction is used for controlling the payment system to adopt a man-machine interaction mode of a payment process for the user account.

And step 804, the payment system receives a fifth control instruction sent by the credit control system.

And step 805, the payment system adopts a man-machine interaction mode of a payment process for the user account according to the fifth control instruction.

It should be noted that, the above steps 801 to 803 may be implemented separately as a method embodiment on the credit control system side, and the above steps 804 and 805 may be implemented separately as a method embodiment on the payment system side.

In summary, in the control method of the electronic payment platform provided in the embodiment of the present invention, the credit control system further determines a human-computer interaction mode according to the credit score, and sends a fifth control instruction to the payment system, and the payment system adopts a corresponding human-computer interaction mode according to the fifth control instruction, so that an effect of adopting different human-computer interaction modes for payment data information of user accounts with different credit scores is achieved, and the payment efficiency is improved while the payment risk is reduced.

When the payment policy includes a policy for controlling the payment method, the credit control system controls the payment method of the payment process according to the credit score.

Referring to fig. 9, a flowchart of a control method of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The embodiment is exemplified by applying the control method to the electronic payment system described in fig. 2. The control method comprises the following steps:

step 901, the credit control system obtains a credit score corresponding to the user account.

Step 902, the credit control system determines the payment method of the payment process based on the credit score.

The payment method comprises the following steps: account balance payment, bank card quick payment, credit payment, other account payment by credit, installment payment, accounting, delayed payment.

Such as: the credit rating of the user account is 5 ratings, the payment mode comprises account balance payment, installment payment, accounting, bank card quick payment and credit payment, and the corresponding relation between the credit rating of the user account and the payment mode is shown in table sixteen.

Watch sixteen

Credit rating	Payment mode
		First class	Account balance payment
Second level	Bank card fast payment
		Third level	Installment payment
Fourth level	Credit payment
		Fifth grade	Accounting

As shown in table sixteen, the highest credit level is the fifth level, the payment method corresponding to the fifth level is accounting, the lowest credit level is the first level, and the payment method corresponding to the first level is account balance payment.

Step 903, the credit control system sends a sixth control instruction to the payment system.

And the sixth control instruction is used for controlling the payment system to adopt a payment mode of a payment process for the user account.

In step 904, the payment system receives a sixth control command sent by the credit control system.

And step 905, the payment system adopts a payment mode of a payment process to the user account according to the sixth control instruction.

And the payment system adopts a payment mode corresponding to the credit value for the payment process of the user account according to the sixth control instruction.

It should be noted that, the above steps 901 to 903 may be implemented separately as an embodiment of a method on the credit control system side, and the above steps 904 and 905 may be implemented separately as an embodiment of a method on the payment system side.

In summary, in the control method of the electronic payment platform provided in the embodiment of the present invention, the credit control system further determines a payment method according to the credit score, and sends a sixth control instruction to the payment system, and the payment system implements an effect of using different payment methods for user accounts with different credit scores according to the payment method corresponding to the payment flow according to the sixth control instruction, so that the payment risk is reduced, and the payment efficiency is improved at the same time.

And when the payment strategy comprises a strategy for controlling the account authority of the user account in the specified payment mode, the credit control system controls the account authority of the user account in the specified payment mode according to the credit score.

Referring to fig. 10, a flowchart of a control method of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The embodiment is exemplified by applying the control method to the electronic payment system described in fig. 2. The control method comprises the following steps:

step 1001, the credit control system obtains a credit score corresponding to a user account.

In step 1002, the credit control system determines account authority of the user account in the designated payment mode according to the credit score.

The account authority includes: whether the payment bill of the user account is allowed to enter the settlement flow, whether the user account is allowed to enter the clearing flow, the maximum payment amount and the account list allowing payment.

Such as: the credit rating of the user account is 5 ratings, the payment mode is credit payment, the account authority is the maximum payment amount, and the corresponding relationship between the credit rating of the user account and the account authority is shown in the seventeenth table.

Seventeen table

Credit rating	Account authority (maximum payment)
		First class	1000 Yuan
Second level	5000 yuan
		Third level	10000 yuan
Fourth level	20000 Yuan
		Fifth grade	50000 Yuan

As shown in table seventeen, the highest credit level is the fifth level, the maximum payment amount corresponding to the fifth level is 50000 yuan, the lowest credit level is the first level, and the maximum payment amount corresponding to the first level is 1000 yuan. Similarly, the maximum payment amount in other payment manners may refer to table seventeen, which is not described herein again.

Such as: the credit rating of the user account is 2 ratings, the payment mode is credit payment, the account authority is whether the payment receipt of the user account is allowed to enter the settlement process, and the corresponding relation between the credit rating of the user account and the account authority is shown in a table eighteen.

Watch eighteen

Credit rating	Whether to allow payment documents to enter the settlement process
		First class	Is not allowed to
Second level	Allow for

As shown in table eighteen, the credit rating is highest at the second level, the second level allows the payment document of the user account to enter the settlement process, the credit rating is lowest at the first level, and the first level does not allow the payment document of the user account to enter the settlement process. Similarly, whether to allow the user account to enter the clearing process in other payment manners may refer to table eighteen, which is not described herein again.

Such as: the credit rating of the user account is 3, the payment mode is bank card shortcut, the account authority is an account list allowing payment, and the corresponding relation between the credit rating of the user account and the account authority is shown in table nineteen.

Table nineteen

Credit rating	Payment-allowed account list
		First class	List 1
Second level	List 2
		Third level	List 3

As shown in table nineteenth, the highest credit rating is the third rating, the list of accounts allowed to pay at the third rating is list 3, the lowest credit rating is the first rating, and the list of accounts allowed to pay at the first rating is list 1. Similarly, the list of accounts allowed to pay in other payment manners may refer to nineteen in table, and details thereof are not repeated here.

In step 1003, the credit control system sends a seventh control instruction to the payment system.

And the seventh control instruction is used for controlling the payment system to manage the user account according to the account authority.

In step 1004, the payment system receives a seventh control instruction sent by the credit control system.

And step 1005, the payment system manages the user account according to the account authority according to the seventh control instruction.

And the payment system sets the account authority of the user account to be the account authority corresponding to the credit score according to the seventh control instruction.

For example, if the credit score of a certain user account is 600, the credit rating is the highest rating, and the account authority is 50000 yuan, the payment system sets the maximum payment amount of the user account to 50000 yuan according to the seventh control instruction.

It should be noted that, the above steps 1001 to 1003 may be implemented separately as a method embodiment on the credit control system side, and the above steps 1004 and 1005 may be implemented separately as a method embodiment on the payment system side.

In summary, in the control method of the electronic payment platform provided in the embodiment of the present invention, the credit control system further determines the account permission of the user account according to the credit score, and sends the seventh control instruction to the payment system, and the payment system manages the account permission of the user account according to the seventh control instruction, so that an effect of adopting different account permissions for user accounts with different credit scores is achieved, and the payment efficiency is improved while the payment risk is reduced.

In an alternative embodiment based on the embodiments shown in fig. 3, 4, 5, 6, 7, 8, 9, or 10, the credit control system may obtain the credit score corresponding to the user account by the following two methods:

the credit control system acquires a credit score corresponding to a user account from a third-party credit server.

The third-party credit institution collects credit information of the user account, and converts the credit information into credit score through normalization and/or linear weighting processing, wherein the credit information comprises at least one of financial credit records, shopping records, payment records, social behavior records and online behavior records.

Alternatively, the third party credit server utilizes a formula

Calculating a credit score, wherein S_iRepresenting an objective evaluation score, S, derived from a transformation of certain credit information_iProvided by a third party credit agency, which is a credit investigation agency for obtaining credit investigation business operating permit, w_iRepresents each S_iWeight of (1), w_iSet manually.

And secondly, the credit control system acquires credit information corresponding to the user account from at least one third-party credit server and calculates the credit score of the user account according to the credit information.

The third-party credit server stores credit information corresponding to the user account, and the credit information comprises at least one of financial credit records, shopping records, payment records, social behavior records and online behavior records. Because different third-party credit servers have different calculation methods or calculation standards when calculating the credit score, the credit control system acquires the credit information corresponding to the user account from at least one third-party credit server and calculates the credit score of the user account by adopting a uniform calculation method or calculation standard.

Alternatively, the credit control system uses a formula

Calculating a credit score, wherein S_iRepresenting an objective evaluation score, S, derived from a transformation of certain credit information_iProvided by a third party credit server, w_iRepresents each S_iWeight of (1), w_iSet manually.

It should be noted that, in the above embodiments as shown in fig. 4, 5, 6, 7, 8, 9, 10, the credit control system further records the credit score and the usage and usage effect of the credit information, and the credit control system further records the information score and the collection, storage, processing and usage of the credit information. The credit control system records the credit score and the using condition and the using effect of the credit information, can provide a basis for examining and feeding back a using mode for the third-party server, and ensures the reliability of the credit information and the credit score. In practical implementation, since the credit control system needs to have legal effectiveness and non-repudiation on the record of the credit score and the use condition and use effect of the credit information, the record information needs to be signed and encrypted by using asymmetric encryption means, and a required key is provided by an authentic public key infrastructure.

It should be noted that, in the foregoing embodiment, the payment control policies generated by the credit control system according to the credit score corresponding to the user account may be combined at will, that is, the control method of the electronic payment platform shown in fig. 4, or fig. 5, or fig. 6, or fig. 7, or fig. 8, or fig. 9, or fig. 10 may also be combined at will to be implemented as a control method of a new electronic payment platform, which is not described herein again.

When the payment control policy includes a policy for controlling a type of a user authentication method, a policy for controlling a difficulty attribute of the user authentication method, a policy for controlling a complexity level of a payment medium, a policy for controlling a verification level of payment data information, a policy for controlling a human-computer interaction method, a policy for controlling a payment method, and a policy for controlling an account authority of a user account in a specific payment method, as shown in fig. 11, the control method of the electronic payment platform includes:

in step 1101, the credit control system obtains a credit score corresponding to the user account.

The credit score is used to represent a credit rating of the user account.

The credit control system can acquire the credit score corresponding to the user account by the following two methods:

This step has already been explained above and will not be described further here.

Optionally, when entering the payment process, the credit control system obtains a credit score corresponding to the user account.

Step 1102, the credit control system determines a payment method of the payment process according to the credit score.

Such as: the credit score corresponding to the user account is 200, the credit grade is the second grade, and the credit control system determines a payment mode to quickly pay for the bank card according to the credit score; the credit score corresponding to the user account is 600, the credit grade is the fifth grade, and the credit control system determines the payment mode to be credit payment according to the credit score.

It should be noted that the payment method may also be selected by the user.

Step 1103, the credit control system sends a sixth control instruction to the payment system.

And 1104, the payment system receives a sixth control instruction sent by the credit control system, and adopts a payment mode of a payment process for the user account according to the sixth control instruction.

Step 1105, the credit control system determines the user authentication mode in the payment process according to the credit score.

It should be noted that, if the credit score corresponding to the user account is greater than the predetermined threshold, the authentication method may be determined as the surface verification method.

This step has already been explained in step 502 and will not be described here.

At step 1106, the credit control system sends a first control instruction to the payment system.

Step 1107, the payment system receives a first control instruction sent by the credit control system, and adopts a user authentication mode for the user account according to the first control instruction.

Such as: the credit grade corresponding to the credit score of the user account is the highest grade, and the authentication mode is digital password authentication.

Step 1108, the credit control system determines the difficulty attribute of the user authentication mode of the payment process according to the credit score.

Such as: the user authentication mode is digital password authentication, the credit score is 200, and the credit control system determines the difficulty attribute according to the credit score as the maximum error input error of the password for 3 times.

This step has already been explained in step 602 and will not be described here.

Step 1109, the credit control system sends a second control instruction to the payment system.

The second control instruction is used for controlling the payment system to adopt a user authentication mode with a difficult attribute to the user account.

And step 1110, the payment system receives a second control instruction sent by the credit control system, and adopts a user authentication mode with a difficult attribute to the user account according to the second control instruction.

Such as: the authentication mode of the user account is digital password authentication, the credit grade corresponding to the credit score of the user account is the highest grade, and the difficulty attribute of the authentication mode is that the maximum error input times of the password is 5 times.

At step 1111, the credit control system determines a level of sophistication of the payment vehicle in the payment process based on the credit score.

The payment medium is used to effect resource transfers between the user account and other user accounts. The payment medium includes at least one of a two-dimensional code, a barcode, an NFC signal, and a sound wave.

The complexity levels include: at least one of the size of the graphic code, the resolution of the graphic code, the fault tolerance rate of the graphic code, the grade of the payment information encryption algorithm, the grade of the payment key, the working mode of the NFC equipment, the frequency of sound wave transmission, the duration of sound wave transmission and the loudness of sound wave transmission.

Such as: the credit score corresponding to the user account is 800, the credit grade is the highest grade, and the credit control system determines the complex grade of the payment medium as the sound wave transmission frequency is 1 time according to the credit score.

This step has already been explained in step 702 and will not be described here.

Step 1112, the credit control system sends a third control instruction to the payment system.

And step 1113, the payment system receives a third control instruction sent by the credit control system, and adopts payment media with complex levels to the user account according to the third control instruction.

In step 1114, the credit control system determines a verification level of the payment data information in the payment process based on the credit score.

Step 1115, the credit control system sends a fourth control instruction to the payment system.

And step 1116, the payment system receives a fourth control instruction sent by the credit control system, and performs security verification of the verification level on the payment data information of the user account according to the fourth control instruction.

And step 1117, the credit control system determines a man-machine interaction mode of the payment process according to the credit score.

The man-machine interaction mode comprises the following steps: at least one of a display level of the graphical user interface, a display sequence of the graphical user interface, a mode of the user confirmation operation, a number of times of the user confirmation operation, and a detailed level of the user feedback information.

This step has already been explained in step 802 and will not be described here.

Step 1118, the credit control system sends a fifth control instruction to the payment system.

And 1119, the payment system receives a fifth control instruction sent by the credit control system, and adopts a human-computer interaction mode of a payment process for the user account according to the fifth control instruction.

Step 1120, the credit control system determines account permissions of the user account in the designated payment mode according to the credit score.

Such as: the credit score corresponding to the user account is-200, the credit grade is the lowest, and the credit control system determines that the account authority of the user account in the designated payment mode is that the payment receipt of the user account is not allowed to enter the settlement process according to the credit score.

This step has already been elaborated in step 1002 and will not be described here.

Step 1121, the credit control system sends a seventh control instruction to the payment system.

And step 1122, the payment system receives a seventh control instruction sent by the credit control system, and manages the user account according to the account authority according to the seventh control instruction.

It should be noted that, in the embodiment of the present invention, the execution sequence of the above steps is not limited, and the specific execution sequence of each step may be determined according to the actual situation.

It should be noted that steps 1101 to 1103, 1105, 1106, 1108, 1109, 1111, 1112, 1114, 1115, 1117, 1118, 1120, and 1121 may be implemented separately as a method embodiment on the credit control system side, and steps 1104, 1107, 1110, 1113, 1116, 1119, and 1122 may be implemented separately as a method embodiment on the payment system side.

In an illustrative example, taking the example where the electronic payment system includes an electronic payment platform, the payment requester 1210 (payer, payee) and a third party credit server 1220 provided by a third party credit institution, the electronic payment platform includes a credit control system 1230 and a payment system 1240, as shown in fig. 12A, the credit control system 1230 includes a credit policy subsystem 1231, a credit collection and storage subsystem 1232 and an auditing subsystem 1233; the credit policy subsystem 1231 includes a payment process policy control module 31, an authentication policy control module 32, and an external interface control module 33; credit collection and storage subsystem 1232 includes credit collection module 34, credit storage module 35, credit request interface 36; the auditing subsystem 1233 comprises a management control module 37, an auditing database 38 and an auditing module 39; the payment system 1240 includes an authentication module 41, an external interface server 42, a payment flow processing module 43, an accounting and settlement processing module 44, a clearing flow processing module 45, an accounting processing module 46, a bank communication gateway 47, a message processing module (not shown in the figure).

The payment process policy control module 31 controls the payment process processing module 43, the authentication policy control module 32 controls the authentication module 41, and the external interface control module 33 controls the external interface server 42; the credit collection module 34 acquires the credit score and the credit information of the user account from the third-party credit server, and can also calculate the credit score according to the acquired credit information; the credit storage module 35 stores the credit score and the credit information acquired by the credit collection module 34; credit request interface 36 sends credit scores to three modules in credit policy subsystem 1231 and also provides credit score usage to audit subsystem 1233; data interaction exists between the audit database 38 and the audit module 39, and data interaction exists between the management control module 37 and the audit database 38; the third party credit server 1220 acquires credit information of the payment requester 1210 and processes the credit information into a credit score; the payment requester 1210 transmits a payment request including at least one of a receipt request, a payment request, and a transfer request to the external interface server 42; the external interface server 42 interacts with the authentication module 41, the payment flow processing module 43 and the clearing flow processing module 45 respectively, the clearing flow processing module 45 interacts with the bank communication gateway 47 and the accounting processing module 46, and the payment flow processing module 43 interacts with the accounting and calculation processing module 44. It should be noted that the interaction between the modules in the payment system 1240 is coordinated by the message processing module.

When the user purchases an item at the merchant and pays using electronic payment, the payment flow is as shown in fig. 12B:

firstly, a payment request 01 is sent to an external interface server 42 in an electronic payment platform by a payment account of a merchant, the external interface server 42 sends the payment request 01 to a payment process processing module 43, the payment process processing module 43 sends a credit score acquisition request 02 of the payment account to a credit policy subsystem 1231 according to the payment request 01, and the credit policy subsystem 1231 acquires a credit score 03 of the payment account through a credit collection and storage subsystem 1232.

Optionally, the credit policy subsystem 1231 determines the payment method of the payment process according to the credit score 03 of the collection account.

Such as: the credit score corresponding to the collection account is 200, the credit rating is the second level, and the credit policy subsystem 1231 determines the payment mode to be the quick payment for the bank card according to the credit score of the collection account. The credit policy control subsystem 1231 sends a sixth control instruction to the payment flow processing module 43 in the payment system 1240, where the sixth control instruction is used to control the payment system 1240 to perform fast payment for the bank card by using the payment flow payment method for the user account. The payment system 1240 receives the sixth control instruction sent by the credit policy subsystem 1231, and uses the payment method of the payment process to the payment account through the external interface server 42 according to the sixth control instruction to pay the bank card quickly.

Alternatively, the payment method may be selected autonomously by the user. Such as: the user opens a user client with payment function in the mobile payment device, such as: and the user sends a payment request 04 to an external interface server 42 in the electronic payment platform.

Secondly, when payment is made, the authentication module 41 in the electronic payment platform needs to perform user authentication on the payment account.

At this time, similar to the process of acquiring the credit score corresponding to the collection account, the external interface module sends the request 05 for acquiring the credit score of the payment account to the policy control subsystem 1231, and the credit policy subsystem 1231 acquires the credit score 06 of the payment account through the credit collection and storage subsystem 1232.

The credit policy subsystem 1231 determines the user authentication method of the payment account in the payment process according to the credit score 06 of the payment account, and sends an authentication method control policy 07 to the authentication module 41, and the authentication module 41 sends the authentication method control policy 07 to the payment account.

Such as: the credit score corresponding to the payment account is 200, the credit rating is the second level, and the credit policy subsystem 1231 determines the authentication mode to be fingerprint authentication according to the credit score. The credit policy subsystem 1231 sends a first control instruction to the authentication module 41, where the first control instruction is used to control the authentication module 41 to authenticate the payment account by using the fingerprint authentication method. The authentication module 41 receives the first control instruction sent by the credit policy subsystem 1231, and authenticates the payment account by the external interface server 42 in a user authentication manner as fingerprint authentication according to the first control instruction.

It should be noted that, if the credit score corresponding to the user account is greater than the predetermined threshold, the authentication module 41 may set the authentication mode of the payment account to be the verification-free mode.

Thirdly, when the user authentication mode is not a verification-free mode, that is, when the user authentication is performed, the credit policy subsystem 1231 in the electronic payment platform needs to determine the difficulty attribute of the user authentication mode of the payment account.

The authentication method control policy 07 includes a difficulty attribute of a user authentication method for a payment account.

Such as: the user authentication mode is fingerprint authentication, the credit score of the payment account is 200, and the matching degree threshold value of the difficulty attribute determined by the credit policy subsystem 1231 according to the credit score is 90% of the fingerprint authentication. The credit policy subsystem 1231 sends a second control instruction to the authentication module 41, where the second control instruction is used to control the authentication module 41 to authenticate the payment account with a fingerprint whose matching degree threshold is 90%. The authentication module 41 receives the second control instruction sent by the credit policy subsystem 1231, and adopts a fingerprint authentication mode with a matching degree threshold of 90% for the payment account through the external interface server 42 according to the second control instruction.

The user performs user authentication according to a user authentication mode of a difficulty attribute corresponding to the credit score provided by the electronic payment platform, that is, the payment account sends authentication information 08 to the external interface server 42, and the external interface server 42 sends the authentication information 08 to the authentication module.

The credit policy subsystem 1231 further determines a difficult-to-easy attribute control policy 09 for the authentication method of the user authentication method according to the credit score of the payment account, the credit policy subsystem 1231 sends the difficult-to-easy attribute control policy 09 for the authentication method to the authentication module, and the authentication module obtains authentication feedback 10 according to the authentication information 08 and the difficult-to-easy attribute control policy 09 for the authentication method. And if the user authentication is passed, executing the subsequent payment step, and if the user authentication is not passed, not continuously executing the subsequent payment step.

Thirdly, after the user selects the payment medium or the electronic payment platform determines the payment medium, the credit policy subsystem 1231 determines the complexity level control policy 11 of the payment medium in the payment process according to the credit score, and the external interface server 42 sends the complexity level 11 of the payment medium to the payment account.

For example, the payment medium is a two-dimensional code, the credit score of the payment account is 200, and the credit policy subsystem 1231 determines the complexity level of the payment medium as the fault tolerance of the two-dimensional code is M level according to the credit score. The credit policy subsystem 1231 sends a third control instruction to the payment process processing module 43, where the third control instruction is used to control the payment process processing module 43 to adopt a two-dimensional code with a fault tolerance of M level on the payment account. The authentication module 41 receives a third control instruction sent by the credit policy subsystem 1231, and adopts a two-dimensional code with a fault tolerance rate of M level on the payment account through the external interface server 42 according to the third control instruction.

The payment account makes payment to the collection account using the payment medium 11, and the collection account performs payment medium validation 12. The payment account and the collection account respectively transmit the payment data information 13 to the external interface server 42, and the external interface server transmits the payment data information 13 to the credit policy subsystem 1231. Credit policy subsystem 1231 determines payment process control policy 14 based on the credit score and payment data information 13.

Fourthly, the credit policy subsystem 1231 further needs to determine the verification level of the payment data information 13 in the payment flow according to the credit score.

For example, the credit score of the payment account is 200, the credit policy subsystem 1231 determines that the verification level of the payment amount in the payment data information 13 is a medium level according to the credit score, and the credit policy subsystem 1231 sends a fourth control instruction to the payment system 1240, where the fourth control instruction is used to control the authentication module 41 to perform medium level security verification on the payment amount of the payment account. The authentication module 41 receives the fourth control instruction sent by the credit policy subsystem 1231, and performs a medium-level security check on the payment amount of the payment account through the external interface server 42 according to the fourth control instruction.

And fifthly, in the payment process, the credit policy subsystem 1231 further determines a man-machine interaction mode of the payment process according to the credit score.

The payment flow control strategy 14 includes a man-machine interaction mode of the payment flow, and the electronic payment platform interacts with the payment account and the collection account according to the man-machine interaction mode.

Such as: the credit score of the collection account is 300, and the number of times of confirming the operation for the user in a man-machine interaction mode is 3 according to the credit score of the collection account by using the strategy subsystem system. The credit policy subsystem 1231 sends a fifth control instruction to the payment process processing module 43, where the fifth control instruction is used to control the payment process processing module 43 to adopt a human-computer interaction mode in which the number of times of the user confirmation operation on the payment account is 3. The payment flow processing module 43 receives the fifth control instruction sent by the credit policy subsystem 1231, and adopts a human-computer interaction mode that the number of times of user confirmation operations is 3 for the payment account through the external interface server 42 according to the fifth control instruction.

And sixthly, before the payment is completed, the credit strategy sub also needs to determine the account authority of the user account in the appointed payment mode according to the credit score.

Such as: the credit score corresponding to the payment account is 200, and the credit policy subsystem 1231 determines the account authority of the payable account in the designated bank card fast payment mode as allowing the payment receipt of the user account to enter the settlement process according to the credit score. The credit policy subsystem 1231 sends a seventh control instruction to the accounting and settlement processing module 44, where the seventh control instruction is used to control the accounting and settlement processing module 44 to set the account authority of the payment account as allowing the payment document to enter the settlement process. The accounting and settlement processing module 44 receives the seventh control instruction sent by the credit policy subsystem 1231, and sets the account authority of the payment account to allow the payment document to enter the settlement process through the external interface server 42 according to the seventh control instruction.

The payment flow control policy 14 also includes account rights of the user account under the specified payment method. After the verification is completed, the payment process processing module 43 processes the payment process 15 according to the account authority. The payment flow processing module 43 sends the payment result feedback 16 obtained by processing the payment flow to the external interface server 42, the credit policy subsystem 1231 further determines the feedback result control policy 17 according to the credit score and sends the feedback result control policy 17 to the external interface server 42, and the external interface server 42 sends the payment result feedback 16 to the payment account and the collection account respectively according to the feedback result control policy 17.

After payment is completed, the electronic payment platform feeds back payment results to the collection account and the payment account, the credit policy subsystem 1231 may also determine the detailed level of the user feedback information in the man-machine interaction mode according to the credit score, the lower the credit level is, the higher the detailed level of the user feedback information is, that is, the more the order information in the feedback results is, the higher the credit level is, the lower the detailed level of the user feedback information is, that is, the less the order information in the feedback results is. Optionally, according to the credit score, highlighting modes such as thickening, underlining, changing font color and the like can be performed on the order information in the user feedback information, so that the eye-catching degree of the order information is improved.

Referring to fig. 13, a block diagram of a control device of an electronic payment platform according to an exemplary embodiment of the present invention is shown. The control device of the electronic payment platform can be implemented by software, hardware or a combination of the two to form all or part of the electronic platform which can provide the control method of the electronic payment platform. The device includes:

an obtaining module 1310, configured to execute step 301, step 401, step 501, step 601, step 701, step 801, step 901, step 1001, and step 1101.

A generating module 1320, configured to perform the step 302.

A sending module 1330, configured to perform step 303.

The relevant details may be combined with the method embodiment shown with reference to fig. 3.

Optionally, the payment control policy includes at least one of the following policies:

a policy for controlling a type of the user authentication manner;

a policy for controlling a difficulty attribute of a user authentication mode;

policies for controlling the level of complexity of the payment medium;

a policy for controlling a level of verification of the payment data information;

a strategy for controlling a human-computer interaction mode;

a policy for controlling a payment method;

Optionally, the generating module includes:

a first determining unit, configured to perform step 402 and step 1105.

A first sending unit, configured to perform step 403 and step 1106.

Optionally, the generating module includes:

a second determining unit, configured to perform step 502 and step 1108.

A second sending unit, configured to execute step 503 and step 1109.

Optionally, the generating module includes:

a third determining unit, configured to perform step 602 and step 1111.

A third sending unit, configured to perform step 603 and step 1112.

Optionally, the generating module includes:

a fourth determining unit, configured to perform step 702 and step 1115.

A fourth sending unit, configured to execute step 703 and step 1116.

Optionally, the generating module includes:

a fifth determining unit, configured to perform step 802 and step 1117.

A fifth transmitting unit, configured to. Step 803 and step 1118 are performed.

Optionally, the generating module includes:

a sixth determining unit, configured to perform step 902 and step 1102.

A sixth sending unit, configured to execute step 903 and step 1103.

Optionally, the generating module includes:

a seventh determining unit, configured to perform step 1002 and step 1120.

A seventh transmitting unit, configured to perform step 1003 and step 1121.

Optionally, the obtaining module is specifically configured to:

acquiring a credit score corresponding to a user account from a third-party credit server;

or the like, or, alternatively,

acquiring credit information corresponding to a user account from at least one third-party credit server, and calculating a credit score according to the credit information;

wherein the credit information includes: at least one of financial credit records, shopping records, payment records, social behavior records, and online behavior records.

The relevant details may be combined with the method embodiment described with reference to any of figures 4 to 11.

Referring to fig. 14, a block diagram of an electronic payment platform according to an embodiment of the present invention is shown. The electronic payment platform 1400 includes a Central Processing Unit (CPU)1401, a system memory 1404 including a Random Access Memory (RAM)1402 and a Read Only Memory (ROM)1403, and a system bus 1405 connecting the system memory 1404 and the central processing unit 1401. The electronic payment platform 1400 also includes a basic input/output system (I/O system) 1406 that facilitates the transfer of information between devices within the computer, and a mass storage device 1407 for storing an operating system 1413, application programs 1414, and other program modules 1415.

The basic input/output system 1406 includes a display 1408 for displaying information and an input device 1409, such as a mouse, keyboard, etc., for user input of information. Wherein the display 1408 and input device 1407 are both connected to the central processing unit 1401 via an input-output controller 1410 connected to the system bus 1405. The basic input/output system 1406 may also include an input/output controller 1410 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, input-output controller 1410 also provides output to a display screen, a printer, or other type of output device.

The mass storage device 1407 is connected to the central processing unit 1401 through a mass storage controller (not shown) connected to the system bus 1405. The mass storage device 1409 and its associated computer-readable media provide non-volatile storage for the electronic payment platform 1400. That is, the mass storage device 1409 may include a computer readable medium (not shown) such as a hard disk or CD-ROM drive.

Without loss of generality, the computer-readable media may comprise computer storage media and communication media. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media includes RAM, ROM, EPROM, EEPROM, flash memory or other solid state memory technology, CD-ROM, DVD, or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will appreciate that the computer storage media is not limited to the foregoing. The system memory 1404 and mass storage device 1407 described above may collectively be referred to as memory.

The electronic payment platform 1400 may also operate in accordance with various embodiments of the present invention by connecting to a remote computer on a network through a network, such as the internet. That is, electronic payment platform 1400 may connect to network 1412 through network interface unit 1411 coupled to system bus 1405, or may connect to other types of networks or remote computer systems (not shown) using network interface unit 1411.

The memory further includes one or more programs, the one or more programs are stored in the memory, and the one or more programs are used for executing the recommendation message display method provided by the above embodiment.

It should be noted that: the control device of the electronic payment platform provided in the above embodiment is only illustrated by the division of the above functional modules when controlling the electronic payment platform, and in practical applications, the above function distribution may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to complete all or part of the above described functions. In addition, the control device of the electronic payment platform provided by the above embodiment and the control method embodiment of the electronic payment platform belong to the same concept, and the specific implementation process thereof is described in detail in the method embodiment and is not described herein again.

The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.

It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.

The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims

1. An electronic payment platform, comprising: a credit control system and a payment system;

the credit control system is used for generating a payment control strategy corresponding to the user account according to the credit score, the payment control strategy is a strategy for controlling the security of a payment process, the complexity of the payment process is in a negative correlation with the credit score, and the security of the payment process comprises at least one of the security of account authority corresponding to the user account, the security of a payment information stream generated in the payment process, the security of a payment step in the payment process and the security of resources of the user account in the payment process;

the payment system is used for carrying out security control on a payment process corresponding to the user account according to the control instruction;

wherein if the payment control policy includes a policy for controlling a difficulty attribute of a user authentication method, then

When the user authentication mode comprises at least one of character password authentication, digital password authentication, stroke password authentication and gesture password authentication, the credit score is in positive correlation with the maximum error input times of the password;

when the user authentication mode comprises fingerprint authentication, the credit score is in a negative correlation relation with the matching degree threshold value of the fingerprint authentication;

when the user authentication mode comprises voiceprint authentication, the credit score is in a negative correlation with the matching threshold of the voiceprint authentication;

when the user authentication mode comprises iris authentication, the credit score value is in a negative correlation with the matching degree threshold value of the iris authentication;

when the user authentication mode comprises short message verification code authentication, the credit score is in positive correlation with the effective duration of the short message verification code, and the credit score is in negative correlation with the length of the short message verification code;

when the user authentication mode comprises mailbox verification code authentication, the level of the credit score is in positive correlation with the length of the effective duration of the mailbox verification code, and the level of the credit score is in negative correlation with the length of the mailbox verification code;

when the user authentication mode comprises identity card photo authentication, the credit score is in a negative correlation relation with the matching degree threshold value of the identity card photo;

when the user authentication mode comprises authentication of the identity card number, the credit score is in a negative correlation with the matching degree threshold of the identity card number;

when the user authentication mode comprises security question authentication, the credit score is in negative correlation with at least one of the number of security questions and the complexity level of the security questions.

2. The platform of claim 1, wherein the payment control policy comprises at least one of:

a policy for controlling a type of the user authentication manner;

policies for controlling the level of complexity of the payment medium;

a strategy for controlling a human-computer interaction mode;

a policy for controlling a payment method;

and the strategy is used for controlling the account authority of the user account in a specified payment mode.

3. The platform of claim 1,

the credit control system is used for determining a user authentication mode in the payment process according to the credit score;

the credit control system is used for sending a first control instruction to the payment system, wherein the first control instruction is used for controlling the payment system to adopt the user authentication mode for the user account;

the payment system is used for receiving a first control instruction sent by the credit control system;

and the payment system is used for adopting the user authentication mode for the user account according to the first control instruction.

4. The platform of claim 1,

the credit control system is used for determining the difficulty attribute of the user authentication mode of the payment process according to the credit score;

the credit control system is used for sending a second control instruction to the payment system, wherein the second control instruction is used for controlling the payment system to adopt a user authentication mode of the difficulty attribute to the user account;

the payment system is used for receiving a second control instruction sent by the credit control system;

and the payment system is used for adopting a user authentication mode of the difficulty attribute for the user account according to the second control instruction.

5. The platform of claim 1,

the credit control system is used for determining the complexity level of a payment medium in the payment process according to the credit score, and the payment medium is used for realizing resource transfer between the user account and other user accounts;

the credit control system is used for sending a third control instruction to the payment system, wherein the third control instruction is used for controlling the payment system to adopt the payment medium with the complexity level for the user account;

the payment system is used for receiving a third control instruction sent by the credit control system;

the payment system is used for adopting the payment medium with the complexity level for the user account according to the third control instruction;

wherein the complexity levels include: at least one of the size of the graphic code, the resolution of the graphic code, the fault tolerance rate of the graphic code, the grade of the payment information encryption algorithm, the grade of the payment key, the working mode of the NFC equipment, the frequency of sound wave transmission, the duration of sound wave transmission and the loudness of sound wave transmission.

6. The platform of claim 1,

the credit control system is used for determining the verification level of the payment data information in the payment process according to the credit score;

the credit control system is used for sending a fourth control instruction to the payment system, wherein the fourth control instruction is used for controlling the payment system to carry out security verification of the verification level on the payment data information of the user account;

the payment system is used for receiving a fourth control instruction sent by the credit control system;

the payment system is used for carrying out security verification on the payment data information of the user account by adopting the verification level according to the fourth control instruction;

wherein the payment data information comprises: at least one of an order name, a commodity name, a payment amount, a payment time, payment remark information and payment contact information.

7. The platform of claim 1,

the credit control system is used for determining a man-machine interaction mode of the payment process according to the credit score;

the credit control system is used for sending a fifth control instruction to the payment system, wherein the fifth control instruction is used for controlling the payment system to adopt a human-computer interaction mode of the payment process for the user account;

the payment system is used for receiving a fifth control instruction sent by the credit control system;

the payment system is used for adopting a man-machine interaction mode of the payment process for the user account according to the fifth control instruction;

wherein, the man-machine interaction mode comprises: at least one of a display level of the graphical user interface, a display sequence of the graphical user interface, a mode of the user confirmation operation, a number of times of the user confirmation operation, and a detailed level of the user feedback information.

8. The platform of claim 1,

the credit control system is used for determining the payment mode of the payment process according to the credit score;

the credit control system is configured to send a sixth control instruction to the payment system, where the sixth control instruction is used to control the payment system to adopt the payment method of the payment process for the user account;

the payment system is used for receiving a sixth control instruction sent by the credit control system;

the payment system is used for adopting a payment mode of the payment process for the user account according to the sixth control instruction;

wherein, the payment mode includes: account balance payment, bank card quick payment, credit payment, other account payment by credit, installment payment, accounting, delayed payment.

9. The platform of claim 1,

the credit control system is used for determining the account authority of the user account in a specified payment mode according to the credit score;

the credit control system is configured to send a seventh control instruction to the payment system, where the seventh control instruction is used to control the payment system to manage the user account according to the account authority;

the payment system is used for receiving a seventh control instruction sent by the credit control system;

the payment system is used for managing the user account according to the seventh control instruction and the account authority;

wherein the account permissions include: whether the payment bill of the user account is allowed to enter a settlement process, whether the user account is allowed to enter a clearing process, the maximum payment amount and the list of accounts allowed to be paid.

10. Platform according to any of claims 1 to 9,

the credit control system is used for acquiring a credit score corresponding to the user account from a third-party credit server;

or the like, or, alternatively,

the credit control system is used for acquiring credit information corresponding to the user account from at least one third-party credit server and calculating the credit score according to the credit information;

wherein the credit information comprises: at least one of financial credit records, shopping records, payment records, social behavior records, and online behavior records.

11. A method for controlling an electronic payment platform, wherein the electronic payment platform comprises a credit control system and a payment system, the method comprising:

the credit control system generates a payment control strategy corresponding to the user account according to the credit score, wherein the payment control strategy is a strategy for controlling the security of a payment process, the complexity of the payment process is in a negative correlation with the credit score, and the security of the payment process comprises at least one of the security of account authority corresponding to the user account, the security of a payment information stream generated in the payment process, the security of a payment step in the payment process and the security of resources of the user account in the payment process;

the payment system carries out security control on a payment process corresponding to the user account according to the control instruction;

12. The method of claim 11, wherein the payment control policy comprises at least one of:

a policy for controlling a type of the user authentication manner;

policies for controlling the level of complexity of the payment medium;

a strategy for controlling a human-computer interaction mode;

a policy for controlling a payment method;

13. The method of claim 11, wherein the credit control system generates a payment control policy corresponding to the user account based on the credit score, comprising:

the credit control system determines a user authentication mode in the payment process according to the credit score;

the credit control system sends a control instruction to the payment system according to the payment control strategy, and the control instruction comprises the following steps:

the credit control system sends a first control instruction to the payment system, wherein the first control instruction is used for controlling the payment system to adopt the user authentication mode for the user account;

the payment system performs security control on the payment process corresponding to the user account according to the control instruction, and the security control includes:

the payment system receives a first control instruction sent by the credit control system;

and the payment system adopts the user authentication mode for the user account according to the first control instruction.

14. The method of claim 11, wherein the credit control system generates a payment control policy corresponding to the user account based on the credit score, comprising:

the credit control system determines the difficulty attribute of the user authentication mode of the payment process according to the credit score;

the credit control system sends a second control instruction to the payment system, wherein the second control instruction is used for controlling the payment system to adopt a user authentication mode of the difficulty attribute to the user account;

the payment system receives a second control instruction sent by the credit control system;

and the payment system adopts a user authentication mode of the difficulty attribute to the user account according to the second control instruction.

15. The method of claim 11, wherein the credit control system generates a payment control policy corresponding to the user account based on the credit score, comprising:

the credit control system determines the complexity level of a payment medium in the payment process according to the credit score, wherein the payment medium is used for realizing resource transfer between the user account and other user accounts;

the credit control system sends a third control instruction to the payment system, wherein the third control instruction is used for controlling the payment system to adopt the payment medium with the complexity level for the user account;

the payment system receives a third control instruction sent by the credit control system;

the payment system adopts the payment medium with the complexity level for the user account according to the third control instruction;

16. The method of claim 11, wherein the credit control system generates a payment control policy corresponding to the user account based on the credit score, comprising:

the credit control system determines the verification level of the payment data information in the payment process according to the credit score;

the credit control system sends a fourth control instruction to the payment system, wherein the fourth control instruction is used for controlling the payment system to carry out security verification of the verification level on the payment data information of the user account;

the payment system receives a fourth control instruction sent by the credit control system;

the payment system adopts the security verification of the verification level to the payment data information of the user account according to the fourth control instruction;

17. The method of claim 11, wherein the credit control system generates a payment control policy corresponding to the user account based on the credit score, comprising:

the credit control system determines a man-machine interaction mode of the payment process according to the credit score;

the credit control system sends a fifth control instruction to the payment system, wherein the fifth control instruction is used for controlling the payment system to adopt a human-computer interaction mode of the payment process for the user account;

the payment system receives a fifth control instruction sent by the credit control system;

the payment system adopts a man-machine interaction mode of the payment process for the user account according to the fifth control instruction;

18. The method of claim 11, wherein the credit control system generates a payment control policy corresponding to the user account based on the credit score, comprising:

the credit control system determines the payment mode of the payment process according to the credit score;

the credit control system sends a sixth control instruction to the payment system, wherein the sixth control instruction is used for controlling the payment system to adopt the payment mode of the payment process for the user account;

the payment system receives a sixth control instruction sent by the credit control system;

the payment system adopts the payment mode of the payment process to the user account according to the sixth control instruction;

19. The method of claim 11, wherein the credit control system generates a payment control policy corresponding to the user account based on the credit score, comprising:

the credit control system determines account authority of the user account in a specified payment mode according to the credit score;

the credit control system sends a seventh control instruction to the payment system, wherein the seventh control instruction is used for controlling the payment system to manage the user account according to the account authority;

the payment system receives a seventh control instruction sent by the credit control system;

the payment system manages the user account according to the seventh control instruction and the account authority;

20. The method of any one of claims 11 to 19, wherein the credit control system obtaining a credit score corresponding to the user account comprises:

the credit control system acquires a credit score corresponding to the user account from a third-party credit server;

or the like, or, alternatively,

the credit control system acquires credit information corresponding to the user account from at least one third-party credit server and calculates the credit score according to the credit information;

21. A method for controlling an electronic payment platform, the method comprising:

generating a payment control strategy corresponding to the user account according to the credit score, wherein the payment control strategy is a strategy for controlling the security of a payment process, the complexity of the payment process is in a negative correlation with the credit score, and the security of the payment process comprises at least one of the security of account authority corresponding to the user account, the security of a payment information stream generated in the payment process, the security of a payment step in the payment process and the security of resources of the user account in the payment process;

sending a control instruction to a payment system according to the payment control strategy, wherein the payment system is used for carrying out security verification on a payment process corresponding to the user account according to the control instruction;

22. The method of claim 21, wherein the payment control policy comprises at least one of:

a policy for controlling a type of the user authentication manner;

policies for controlling the level of complexity of the payment medium;

a strategy for controlling a human-computer interaction mode;

a policy for controlling a payment method;

23. The method of claim 21, wherein generating a payment control policy corresponding to the user account based on the credit score comprises:

determining a user authentication mode in the payment process according to the credit score;

and sending a first control instruction to the payment system, wherein the first control instruction is used for controlling the payment system to adopt the user authentication mode for the user account.

24. The method of claim 21, wherein generating a payment control policy corresponding to the user account based on the credit score comprises:

determining the difficulty attribute of the user authentication mode of the payment process according to the credit score;

and sending a second control instruction to the payment system, wherein the second control instruction is used for controlling the payment system to adopt the user authentication mode of the difficulty attribute to the user account.

25. The method of claim 21, wherein generating a payment control policy corresponding to the user account based on the credit score comprises:

determining the complexity level of a payment medium in the payment process according to the credit score, wherein the payment medium is used for realizing resource transfer between the user account and other user accounts;

sending a third control instruction to the payment system, wherein the third control instruction is used for controlling the payment system to adopt the payment medium with the complexity level for the user account;

26. The method of claim 21, wherein generating a payment control policy corresponding to the user account based on the credit score comprises:

determining the verification level of the payment data information in the payment process according to the credit score;

sending a fourth control instruction to the payment system, wherein the fourth control instruction is used for controlling the payment system to carry out security verification of the verification level on the payment data information of the user account;

27. The method of claim 21, wherein generating a payment control policy corresponding to the user account based on the credit score comprises:

determining a man-machine interaction mode of the payment process according to the credit score;

sending a fifth control instruction to the payment system, wherein the fifth control instruction is used for controlling the payment system to adopt a human-computer interaction mode of the payment process for the user account;

28. The method of claim 21, wherein generating a payment control policy corresponding to the user account based on the credit score comprises:

determining a payment mode of the payment process according to the credit score;

sending a sixth control instruction to the payment system, wherein the sixth control instruction is used for controlling the payment system to adopt the payment mode of the payment process for the user account;

29. The method of claim 21, wherein generating a payment control policy corresponding to the user account based on the credit score comprises:

determining account authority of the user account in a specified payment mode according to the credit score;

sending a seventh control instruction to the payment system, wherein the seventh control instruction is used for controlling the payment system to manage the user account according to the account authority;

30. The method of claim 21, wherein obtaining the credit score corresponding to the user account comprises:

obtaining a credit score corresponding to the user account from a third-party credit server;

or the like, or, alternatively,

obtaining credit information corresponding to the user account from at least one third-party credit server, and calculating the credit score according to the credit information;

31. A control apparatus for an electronic payment platform, the apparatus comprising:

the generating module is used for generating a payment control strategy corresponding to the user account according to the credit score, the payment control strategy is a strategy for controlling the security of a payment process, the complexity of the payment process is in a negative correlation relation with the credit score, and the security of the payment process comprises at least one of the security of account authority corresponding to the user account, the security of a payment information stream generated in the payment process, the security of a payment step in the payment process and the security of resources of the user account in the payment process;

the sending module is used for sending a control instruction to a payment system according to the payment control strategy, and the payment system is used for carrying out security verification on a payment process corresponding to the user account according to the control instruction;

32. The apparatus of claim 31, wherein the payment control policy comprises at least one of:

a policy for controlling a type of the user authentication manner;

policies for controlling the level of complexity of the payment medium;

a strategy for controlling a human-computer interaction mode;

a policy for controlling a payment method;

33. The apparatus of claim 31, wherein the generating module comprises:

the first determining unit is used for determining a user authentication mode in the payment process according to the credit score;

the first sending unit is used for sending a first control instruction to the payment system, wherein the first control instruction is used for controlling the payment system to adopt the user authentication mode for the user account.

34. The apparatus of claim 31, wherein the generating module comprises:

the second determining unit is used for determining the difficulty attribute of the user authentication mode of the payment process according to the credit score;

and the second sending unit is used for sending a second control instruction to the payment system, wherein the second control instruction is used for controlling the payment system to adopt the user authentication mode with the difficulty attribute to the user account.

35. The apparatus of claim 31, wherein the generating module comprises:

a third determining unit, configured to determine, according to the credit score, a complexity level of a payment medium in the payment flow, where the payment medium is used to implement resource transfer between the user account and another user account;

a third sending unit, configured to send a third control instruction to the payment system, where the third control instruction is used to control the payment system to adopt the payment medium with the complexity level for the user account;

36. The apparatus of claim 31, wherein the generating module comprises:

a fourth determining unit, configured to determine, according to the credit score, a verification level of the payment data information in the payment flow;

a fourth sending unit, configured to send a fourth control instruction to the payment system, where the fourth control instruction is used to control the payment system to perform security verification of the verification level on the payment data information of the user account;

37. The apparatus of claim 31, wherein the generating module comprises:

a fifth determining unit, configured to determine a human-computer interaction mode of the payment process according to the credit score;

a fifth sending unit, configured to send a fifth control instruction to the payment system, where the fifth control instruction is used to control the payment system to adopt a human-computer interaction mode of the payment process for the user account;

38. The apparatus of claim 31, wherein the generating module comprises:

a sixth determining unit, configured to determine a payment method of the payment process according to the credit score;

a sixth sending unit, configured to send a sixth control instruction to the payment system, where the sixth control instruction is used to control the payment system to adopt the payment method of the payment process for the user account;

39. The apparatus of claim 31, wherein the generating module comprises:

a seventh determining unit, configured to determine, according to the credit score, account permissions of the user account in a specified payment manner;

a seventh sending unit, configured to send a seventh control instruction to the payment system, where the seventh control instruction is used to control the payment system to manage the user account according to the account permission;

40. The apparatus of claim 31, wherein the obtaining module is specifically configured to:

or the like, or, alternatively,