CN109345220A - Payment processing method, device and computer readable storage medium - Google Patents

Payment processing method, device and computer readable storage medium Download PDF

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Publication number
CN109345220A
CN109345220A CN201810930313.5A CN201810930313A CN109345220A CN 109345220 A CN109345220 A CN 109345220A CN 201810930313 A CN201810930313 A CN 201810930313A CN 109345220 A CN109345220 A CN 109345220A
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China
Prior art keywords
payment
order
target order
user information
processing
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CN201810930313.5A
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Chinese (zh)
Inventor
李鑫
宋林烽
刘运飞
李祥军
宋泽齐
程超
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Beijing Sankuai Online Technology Co Ltd
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Beijing Sankuai Online Technology Co Ltd
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Priority to CN201810930313.5A priority Critical patent/CN109345220A/en
Publication of CN109345220A publication Critical patent/CN109345220A/en
Priority to CA3052186A priority patent/CA3052186A1/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention discloses a kind of payment processing method, device and computer readable storage mediums.Method includes: the payment processing request for obtaining and generating after the payment failure of target order, includes at least the corresponding payment information of the target order and user information in the payment processing request；Risk assessment is carried out to the target order according to the user information；In response to risk evaluation result, the target order is carried out paying for processing first.After the payment failure of target order, processing is paid for first by carrying out to target order, can facilitate the completion of the target order, to reduce order turnover rate, improve payment success rate；In addition, first carrying out risk assessment before carrying out paying for processing first to the target order, payment risk is thereby reduced, the reliability of payment is improved.

Description

Payment processing method, device and computer readable storage medium
Technical field
The present embodiments relate to Internet technical field, in particular to a kind of payment processing method, device and computer Readable storage medium storing program for executing.
Background technique
With the development of internet technology, the types of applications program for relying on internet is more and more, is applied by these The type service that program provides is also more and more.For example, some application programs provide payment function, pass through such application program It can be realized shopping online, the service of making a reservation etc..When user is done shopping or made a reservation using these application programs, can usually be related to Delivery operation, and payment processing how is carried out, user will be directly affected to the usage experience of the application program.
Summary of the invention
The embodiment of the invention provides a kind of payment processing method, device and computer readable storage medium, the technology Scheme is as follows:
On the one hand, the embodiment of the present invention provides a kind of payment processing method, which comprises
It obtains the payment processing that terminal generates after the payment failure of target order to request, in the payment processing request at least Include the corresponding payment information of the target order and user information；
Risk assessment is carried out to the target order according to the user information；
In response to risk evaluation result, the target order is carried out paying for processing first.
It is described that the target order is carried out paying for processing first in a kind of optional embodiment, comprising:
The target order is paid for first；
Generate the corresponding extension order of the target order；
The delay in payment operation to the target order is completed within a preset period of time based on the extension order.
It is described that target order progress risk is commented according to the user information in a kind of optional embodiment Estimate, comprising:
Obtain the corresponding historical behavior data of the user information；
Risk assessment is carried out to the target order according to the historical behavior data.
In a kind of optional embodiment, the corresponding historical behavior data of the user information include the user information Corresponding history payment total degree and history payment result；
It is described that risk assessment is carried out to the target order according to the historical behavior data, comprising:
The user information pair is calculated according to the corresponding history payment total degree of the user information and history payment result The history success Payment Proportion answered；
If the history success Payment Proportion is greater than successfully Payment Proportion threshold value, the target order is commented by risk Estimate.
In a kind of optional embodiment, the method also includes:
Client's validity is verified according to the user information；
After verification result is effectively, execution is described to carry out risk assessment to the target order according to the user information The step of.
In a kind of optional embodiment, the delay branch completed based on the extension order to the target order Pay operation, comprising:
The corresponding pay invoice of the extension order is obtained, payment processing is carried out based on the pay invoice, and export branch Pay processing result.
In a kind of optional embodiment, the method also includes:
Client-initiated is obtained to defer payment inquiry request；
The delay in payment result of the extension order is returned according to the inquiry request of deferring payment.
On the one hand, a kind of payment processing device is additionally provided, described device includes:
Module is obtained, the payment processing request generated after the payment failure of target order for obtaining terminal, the payment The corresponding payment information of the target order and user information are included at least in processing request；
Risk evaluation module, for carrying out risk assessment to the target order according to the user information；
Processing module is paid for first, for carrying out paying for processing first to the target order in response to risk evaluation result.
It is described to pay for processing module first in a kind of optional embodiment, comprising:
Unit is paid for first, for paying for first the target order；
Order generation unit, for generating the corresponding extension order of the target order；
Payment processing unit, for completing to prolong the target order within a preset period of time based on the extension order Slow delivery operation.
In a kind of optional embodiment, the risk evaluation module, for obtaining, the user information is corresponding to be gone through History behavioral data；Risk assessment is carried out to the target order according to the historical behavior data.
In a kind of optional embodiment, the corresponding historical behavior data of the user information include the user information Corresponding history payment total degree and history payment result；
The risk evaluation module, for according to the corresponding history payment total degree of the user information and history payment knot Fruit calculates the corresponding history success Payment Proportion of the user information；If the history success Payment Proportion, which is greater than, successfully pays ratio Example threshold value, then the target order passes through risk assessment.
In a kind of optional embodiment, described device further include:
Authentication module, for verifying client's validity according to the user information；
The risk evaluation module, for when verification result be effectively after, execution it is described according to the user information to institute State the step of target order carries out risk assessment.
In a kind of optional embodiment, the payment processing unit, for obtaining the corresponding branch of the extension order Order is paid, payment processing is carried out based on the pay invoice within a preset period of time, and export payment processing result.
In a kind of optional embodiment, described device further include:
Query processing module is deferred payment inquiry request for obtaining Client-initiated；According to the inquiry of deferring payment Request returns to the delay in payment result of the extension order.
On the one hand, a kind of computer equipment is additionally provided, the computer equipment includes processor and memory, described to deposit At least one instruction is stored in reservoir, as described above appoint is realized at least one instruction when being executed by the processor A kind of payment processing method.
A kind of computer readable storage medium is additionally provided, is stored at least one in the computer readable storage medium Any payment processing method as described above is realized in instruction, at least one instruction when executed.
Technical solution provided in an embodiment of the present invention can at least be brought the following benefits:
After the payment failure of target order, processing is paid for first by carrying out to target order, can facilitate the target order It completes, to reduce order turnover rate, improves payment success rate；In addition, advanced before pay for first to the target order processing Row risk assessment, thereby reduces payment risk, improves the reliability of payment.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment Attached drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for For those of ordinary skill in the art, without creative efforts, it can also be obtained according to these attached drawings other Attached drawing.
Fig. 1 is one of the relevant technologies interaction process flow chart；
Fig. 2 is a kind of payment processing method flow chart provided in an embodiment of the present invention；
Fig. 3 is a kind of schematic diagram of implementation environment provided in an embodiment of the present invention；
Fig. 4 is a kind of payment processing system architecture diagram provided in an embodiment of the present invention；
Fig. 5 is a kind of payment processing method flow chart provided in an embodiment of the present invention；
Fig. 6 is that one kind provided in an embodiment of the present invention pays for process interface schematic diagram first；
Fig. 7 is a kind of interface schematic diagram for paying for process first provided in an embodiment of the present invention；
Fig. 8 is that one kind provided in an embodiment of the present invention is deferred payment process interface schematic diagram；
Fig. 9 is a kind of interface schematic diagram of delay in payment process provided in an embodiment of the present invention；
Figure 10 is a kind of system architecture schematic diagram for merging payment processing method provided in an embodiment of the present invention；
Figure 11 is a kind of payment processing method flow chart provided in an embodiment of the present invention；
Figure 12 is that one kind provided in an embodiment of the present invention pays for processing method flow chart first；
Figure 13 is a kind of structural schematic diagram of payment processing device provided in an embodiment of the present invention；
Figure 14 is a kind of structural schematic diagram for paying for processing module first provided in an embodiment of the present invention；
Figure 15 is a kind of structural schematic diagram of payment processing device provided in an embodiment of the present invention；
Figure 16 is a kind of structural schematic diagram of payment processing device provided in an embodiment of the present invention；
Figure 17 is a kind of structural schematic diagram of server provided in an embodiment of the present invention；
Figure 18 is a kind of structural schematic diagram of terminal provided in an embodiment of the present invention.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached drawing to embodiment party of the present invention Formula is described in further detail.
With the development of internet technology, the types of applications program for relying on internet is more and more, is applied by these The type service that program provides is also more and more.For example, some application programs provide payment function, pass through such application program It can be realized shopping online, the service of making a reservation etc..When user is done shopping or made a reservation using these application programs, can usually be related to Delivery operation.
By taking the application program for providing ordering services as an example, for the relevant technologies when carrying out payment processing, which can be such as Shown in Fig. 1.It is finished when user is made a reservation by such application program, and after successfully placing an order, i.e. creation service order, and payment is provided Mode selection interface.At this point, user can choose the means of payment, ordered later according to the means of payment creation payment of user's selection It is single.If pay invoice payment failure, can provide two kinds of selections one is the means of payment is reselected and switch new payment Payment flow is re-started after mode；Another kind is that user cancels service order, then this is made a reservation unsuccessfully.It can be seen that related The payment processing mode that technology provides needs user to carry out delivery operation again, leads to operating cost after order payment failure It is higher, and if dual payment operation is not carried out in user, the loss of this service order will be caused.In addition, even if carrying out Dual payment operation, but still might have the case where payment fails, it is lower so as to cause payment success rate.
For this purpose, the embodiment of the invention provides a kind of payment processing method, as shown in Fig. 2, this method target order (i.e. Service order) after payment failure, by pay for first processing to target order, creation receipt can facilitate the target order It completes, to reduce order turnover rate, improves payment success rate；In addition, this method carries out paying for processing first to the target order Before further include risk assessment step, thereby reduce payment risk, improves the reliability of payment.
Referring to FIG. 3, it illustrates the schematic diagrames of method implementation environment provided in an embodiment of the present invention.The implementation environment packet It includes: terminal 11 and server 12.
Wherein, terminal 11 is equipped with application client, for example, providing the application client of ordering services, mentioning For hotel book rooms service application client, the application client etc. of shopping service is provided.Work as application client End starting after, if to target order pay fail, can be interacted by terminal 11 and server 12, realization pay for first operate with And subsequent delay in payment operation.
When implementation, terminal 11 shown in Fig. 3 can be the electronic equipments such as mobile phone, tablet computer, personal computer.Clothes Business device 12 can be a server, be also possible to the server cluster being made of multiple servers or a cloud computing Service centre.Terminal 11 and server 12 are established by wired or wireless network to be communicated to connect.
When carrying out payment processing, by taking system architecture shown in Fig. 4 as an example, the means of payment are installed in the terminal 11, such as " cashier " and " wallet " shown in Fig. 4, and the system of paying for first, air control system, billing and accounting system and client are provided on server 12 System.When terminal 11 is when carrying out payment processing to target order, if payment failure, trigger the server 12 pay for system first It carries out paying for operation first.During carrying out paying for operation first, it is contemplated that payment safety, and existing wind is paid in order to reduce Danger, this is paid for system first and also interacts with air control system, by the air control system for carrying out transaction risk judgement, i.e., to the mesh It marks order and carries out risk assessment.In risk assessment, client inquiring customer information, signing information, information of opening an account can be passed through Deng to carry out comprehensive risk assessment to the target order.For example, corresponding by the air control system evaluation target order Thus the risk class of user determines the risk this time paid for first.
Optionally, in order to improve the speed and accuracy of risk assessment, consumer's risk model can be used to realize, thus It further include the process being trained to the consumer's risk model in air control system.Wherein, the consumer's risk model is for determining mesh Marking order whether there is safety of payment hidden danger, and the embodiment of the present invention does not limit the specific structure of the model and training method It is fixed.For example, a certain number of user informations are collected as training sample to be trained to initial neural network model, thus Training obtains the consumer's risk model for determining payment risk.No matter which kind of consumer's risk model is used, when to target order After carrying out risk assessment, if can carry out paying for processing first to the target order, to facilitate the target by risk assessment The completion of order, so that the target order is unlikely to be lost.
Wherein, it pays for first in treatment process, it is also necessary to be created receipt by financial system and be kept accounts, create extension order, be used for It pays for this first operation to record, and target order is paid by subsequent operation of deferring payment.For example, account System can create receipt in book keeping operation, generate extension order and pay for first in the order information of operation, user information etc. to record this Hold.Later, after when 11 side of terminal, triggering is deferred payment, terminal 11 and server 12 can realize delay in payment based on the extension order Operation, to complete the payment to target order.
Certainly, other than realizing payment processing using the interaction between above-mentioned terminal 11 and server 12, the present invention is real The method for applying example offer is also supported to realize payment processing by terminal 11 is whole.Still by taking system architecture shown in Fig. 4 as an example, the terminal The means of payment are installed on 11, " cashier " and " wallet " as shown in Figure 4, and terminal 11 is provided with the system of paying for first, air control system System, billing and accounting system and client.
When terminal 11 is when carrying out payment processing to target order, if payment failure, the triggering system of paying for first is padded Pay operation.During carrying out paying for operation first, it is contemplated that payment safety, and existing risk, the pad are paid in order to reduce The system of paying also is interacted with air control system, by the air control system for carrying out transaction risk judgement, i.e., to the target order Carry out risk assessment.In addition it is also necessary to be created receipt by financial system and kept accounts, extension order is created, for paying for this first Operation is recorded, and is paid by subsequent operation of deferring payment to target order.For example, billing and accounting system is being kept accounts When, receipt can be created, extension order is generated to record this and pays for the contents such as the order information of operation, user information first.Later, when After user's triggering is deferred payment, terminal 11 can realize delay in payment operation based on the extension order, to complete to target order Payment.
Next, the payment processing method that embodiment provides to facilitate the understanding of the present invention, is based on above-mentioned side shown in Fig. 2 Method process, implementation environment shown in Fig. 3 and system architecture shown in Fig. 4, to terminal provided in an embodiment of the present invention and service Payment processing interaction flow between device is illustrated.As shown in figure 5, method provided in an embodiment of the present invention may include as follows Several steps:
In step 501, terminal sends payment processing request, branch to destination server after the payment failure of target order It pays in processing request and includes at least the corresponding payment information of target order and user information.
For the step, after terminal obtains target order based on the operation creation service order of user, triggering payment behaviour Make.The process of delivery operation can create service order, be sent from operation system to cashier as shown in fig. 6, after user places an order The pre-paid list of creation, cashier return to payment parameter according to the pre-paid list.Such as after user confirms and executes delivery operation, call out Cashier is played, means of payment selection interface is provided.According to the means of payment that user selects, the payment cipher of user's input is obtained, And payment processing is carried out accordingly.
If payment failure, terminal sends payment processing request to destination server, at least wraps in payment processing request The corresponding payment information of order containing target and user information.Wherein, the amount of money that payment information including but not limited to needs to pay is used Family information includes but is not limited to user identifier, user account etc..
In step 502, destination server obtains the payment processing request that terminal is sent after the payment failure of target order.
Destination server receives the payment processing request that terminal is sent after the payment failure of target order, and to getting Payment processing request is parsed, and the payment information for including in payment processing request and user information are obtained.
In step 503, destination server carries out risk assessment to target order according to user information.
Existing risk is paid in order to reduce, improves the reliability of payment, method provided in an embodiment of the present invention is servicing After device receives payment processing request, further include the steps that carrying out risk assessment to target order according to user information.
In a kind of optional embodiment, the mode of risk assessment includes but is not limited to obtain that user information is corresponding to be gone through History behavioral data；Risk assessment is carried out to target order according to historical behavior data.Wherein, historical behavior data can be target The historical behavior data for the corresponding user of the user information of server side record, since the historical behavior data can be anti- The historical behavior for reflecting user is commented by analyzing the historical behavior data to reach and carry out risk class to the user The purpose estimated realizes the risk assessment to the target order.
It is analyzed about to the historical behavior data, obtains the process of risk assessment conclusion, include but is not limited to pass through Historical behavior data are analyzed, to obtain the payment credit grade of the user, thus obtain risk conclusion.For example, user The corresponding historical behavior data of information include the corresponding history payment total degree of the user information and history payment result；According to When historical behavior data carry out risk assessment to target order, according to the corresponding history payment total degree of user information and history branch It pays result and calculates the corresponding history success Payment Proportion of user information；If history success Payment Proportion is greater than successfully Payment Proportion threshold Value, then the payment credit grade of the user is height, it is lower to illustrate that the user escapes single risk, then the Client-initiated target order By risk assessment, this first pays for the target order first, completes to order the target by delay in payment operation again later Single delivery operation, so that current goal order is not lost.
Wherein, history payment result can be history success payment times, then history success Payment Proportion=(history success Payment times/history pays total degree) * 100%, history success Payment Proportion is bigger, and payment credit grade is higher, and successfully props up It pays proportion threshold value and is used to indicate the history success Payment Proportion thresholding for meeting condition of paying for first.That is, the success Payment Proportion Threshold value is the minimum requirements paid for first, if history success Payment Proportion is greater than the success Payment Proportion threshold value, then it is assumed that should The payment credit grade of user is height, and risk evaluation result is to pass through.On the contrary, if history success Payment Proportion is less than or equal to be somebody's turn to do Success Payment Proportion threshold value, then illustrate the user payment credit grade be it is low, it is higher to escape single risk, thus risk evaluation result Not pass through.About success Payment Proportion threshold value, can be configured according to the actual situation, can be with appropriate adjustment, the present invention is real It applies example and this is not limited.
In order to make it easy to understand, including that the corresponding history payment of user information is total with the corresponding historical behavior data of user information Number is 100 times, and history success payment times are 98 times, and for success Payment Proportion threshold value is 85%, then history is successfully paid Ratio=(98/100) * 100%=98%, then history success Payment Proportion is greater than successfully Payment Proportion threshold value 85%, thus Risk evaluation result is to pass through.
It should be noted that above-mentioned only includes the corresponding history payment total degree of user information with user's history behavioral data And for history success payment times, in addition to this, history payment result can also be history failure payment times, then, it should User's history behavioral data includes that the corresponding history of user information pays total degree and history failure payment times, then can first root According to the difference of history payment total degree and history failure payment times, history success payment times are obtained, later according still further to above-mentioned side Formula calculates history success Payment Proportion.
Optionally, except based on history, successfully Payment Proportion in addition to carrying out risk assessment, similarly, can also be used using above-mentioned History fails Payment Proportion to carry out risk assessment.For example, when carrying out risk assessment to target order according to historical behavior data, The corresponding history failure of user information is calculated according to the corresponding history payment total degree of user information and history failure payment times Payment Proportion；If history fails, Payment Proportion is less than failure Payment Proportion threshold value, and target order passes through risk assessment.
Wherein, above-mentioned history failure payment times can be carried directly in the corresponding historical behavior data of user information, I.e. historical behavior data include the corresponding history payment total degree of user information and history failure payment times.It is of course also possible to When historical behavior data include the corresponding history payment total degree of user information and history success payment times, paid by history Total degree and the difference of history success payment times obtain.
Which kind of mode no matter is used to get history failure payment times, when calculating history failure Payment Proportion, the history Failure Payment Proportion=(history failure payment times/history pays total degree) * 100%, history failure Payment Proportion is bigger, branch Pay credit grade it is lower, and failure Payment Proportion threshold value be used to indicate meet pay for first condition history failure Payment Proportion thresholding. That is, the failure Payment Proportion threshold value is the minimum requirements paid for first, if history failure Payment Proportion is less than the mistake Lose Payment Proportion threshold value, then it is assumed that the payment credit grade of the user is height, and risk evaluation result is to pass through.On the contrary, if going through History fail Payment Proportion be more than or equal to the failure Payment Proportion threshold value, then illustrate the user payment credit grade be it is low, escape list Risk is higher, thus risk evaluation result is not pass through.About failure Payment Proportion threshold value, can be set according to the actual situation It sets, this can be not limited with appropriate adjustment, the embodiment of the present invention.
In order to make it easy to understand, including that the corresponding history payment of user information is total with the corresponding historical behavior data of user information Number is 100 times, and history failure payment times are 8 times, and for failure Payment Proportion threshold value is 5%, then history unsuccessfully pays ratio Example=(8/100) * 100%=8%, then history failure Payment Proportion is greater than failure Payment Proportion threshold value 5%, thus risk is commented Estimating result is not pass through.
In order to further increase the reliability of payment, as shown in fig. 6, the present invention is real in a kind of optional embodiment The method for applying example offer further includes that the process of client's validity is verified according to user information, and after verification result is effective, then Execute the step of risk assessment is carried out to target order according to user information.It is real for the mode present invention for verifying client's validity It applies example to be not limited, for example, can be based on the user information by client inquires whether be stored with the use in the server The corresponding account of family information, if so, illustrating that the corresponding user of the user information is registration user, registration user is with real name Information, thus the user information has validity.On the contrary, illustrating this if not inquiring the corresponding account of the user information User is nonregistered user, then the user information is invalid, and stopping is subsequent to pay for operation first, to reduce the existing risk of payment.
Further, after target order passes through risk assessment, in order to reduce order turnover rate, the embodiment of the present invention is mentioned The method of confession carries out target order to pay for processing first, which is detailed in subsequent step.
In step 504, in response to risk evaluation result, destination server pays for target order first.
After passing through risk assessment, illustrate that the risk paid for first is lower, thus in order to enable the target order is not lost, target Server pays for the target order first according to payment information, i.e., destination server first carries out payment behaviour to the target order Make, then is operated by subsequent delay in payment to realize that user pays the target order.Certainly, if risk assessment is not led to It crosses, illustrates that the risk paid for first is bigger, thus can be without paying for operation first.If user needs to continue with target order, The means of payment can be reselected.
The case where for being paid for first, in order to enable user can complete the delivery operation to the target order, this hair The method that bright embodiment provides further includes subsequent delay in payment process, sees below step.
In step 505, destination server generates the corresponding extension order of target order.
It can be padded by the delivery operation completed to the target order of deferring payment in destination server in order to subsequent After paying processing, the corresponding extension order of target order is generated.It keeps accounts, generates as shown in fig. 6, being paid for first by financial system this And record the extension order.Later, server pays for successful response first to terminal feedback, so that terminal is obtaining paying for first successfully After response, notify that user places an order success.
For ease of understanding, above-mentioned to pay for operating process first and be illustrated by taking interface shown in Fig. 7 as an example.When creation target order Afterwards, the target order is shown, as shown in first display interface in Fig. 7.The target order display interface is in addition to showing payer Formula also shows payment remaining time and payment amount.After user triggers delivery operation, provide such as second display circle in Fig. 7 Payment cipher input interface shown in face, and delivery operation is carried out after getting payment cipher.If payment failure, is not It returns to payment interface and delivery operation is executed by user again, but after prompting payment failure, notice has been paid for first.Such as in Fig. 7 For three display interfaces, " bank card is withholdd unsuccessfully " information is shown in the display box of pop-up, thus prompt payment failure, and lead to Display " order has succeeded, and enjoys first service " information is crossed to notify to have paid for first.Later, it is successful that payment can be jumped to Subsequent interface, as shown in the 4th display interface in Fig. 7.
It should be noted that the process that the step 505 generates extension order can be held after the completion of step 504 is paid for first Row, can also execute during being paid for first, and the embodiment of the present invention is not to being paid for and generated first the successive of extension order Sequence is defined.
Further, after carrying out paying for operation first to the target order of payment failure, in order to promote the target order Payment is completed, and method provided in an embodiment of the present invention further includes following process of deferring payment.
In step 506, destination server completes the delay to target order based on extension order within a preset period of time Delivery operation.
For the step, it is contemplated that after the payment failure of target order, has been carried out and pay for first, thus destination server base The delay in payment operation to target order is completed within a preset period of time in extension order.Wherein, the mistake of delay in payment operation Journey includes but is not limited to obtain the corresponding pay invoice of extension order, is carried out at payment within a preset period of time based on pay invoice Reason, and export payment processing result.For example, passing through the following steps:
A, terminal is operated to destination server according to extension order inquiries and is sent after detecting the operation of extension order inquiries The request of extension order inquiries.
For the step, if a user is corresponding with multiple extension orders, when providing the service of extension order inquiries, It can provide extension order inquiries list, to show all extension orders that inquiry may be selected to user by the list.Work as acquisition After the inquiry operation for selecting any extension order to user, extension order inquiries are sent to destination server and are requested, in the request Order information to be checked, such as order note identification are carried, so that destination server can return to corresponding extension order.When So, as a kind of optional embodiment, it can also send to be directed to destination server and be somebody's turn to do after detecting the operation of extension order inquiries The extension order inquiries of all extension orders of user are requested, and carry the user information in extension order inquiries request, thus Destination server is enabled to return to the corresponding all extension orders of the user information.
B, destination server obtains the extension order inquiries request that terminal is sent, and is requested according to extension order inquiries to terminal Send extension order.
If terminal request inquires an extension order, destination server is according to the order information of an extension order Return to the extension order of terminal request inquiry, if terminal request be user all extension orders, destination server returns Return the corresponding all extension orders of the user information.
C, terminal receives the extension order that destination server is returned based on the request of extension order inquiries, carries out to extension order It shows, and returns to the request of deferring payment to extension order to destination server.
After terminal is shown extension order, it is possible to provide user selects entrance, allows users to through the entrance The extension order to be paid is selected, the operation so that triggering is deferred payment.After terminal detects that a certain extension order is selected, also Prompt information can be shown, to prompt the user whether to execute operation of deferring payment.When terminal detects the confirmation behaviour to defer payment After work, the request of deferring payment to the extension order selected is returned to destination server.
D, destination server feeds back pay invoice according to the corresponding pay invoice of request creation extension order of deferring payment To terminal.
E, terminal receives destination server according to the corresponding pay invoice of extension order for request creation of deferring payment, to branch It pays order and carries out payment processing, and return to payment processing result to destination server.
Wherein, when terminal carries out payment processing to pay invoice, it can be used and above-mentioned delivery operation is carried out to target order Mode herein repeats no more the process.After carrying out payment processing, payment processing result is returned to destination server.
For example, as shown in figure 8, terminal detects that extension order is looked into after user initiates the operation of inquiry extension order Operation is ask, sends the request of extension order inquiries to operate according to extension order inquiries to destination server；Destination server obtains The extension order inquiries request for taking terminal to send, requests to send extension order to terminal according to extension order inquiries, i.e., currently answers Also order.After terminal shows the extension order, if the user determine that payment, then terminal is returned to destination server to extension order Request of deferring payment.It is interacted by the system of paying for first with cashier, triggering cashier creates pre-paid list, and cashier is paid in advance according to this It pays single return and pays parameter.Such as after user confirms and executes delivery operation, arouses cashier, means of payment selection interface is provided. According to the means of payment that user selects, the payment cipher of user's input is obtained, and carries out payment processing accordingly.If payment at Function then pays for system first and carries out payment book keeping operation to this.
In order to make it easy to understand, terminal passes through as in Fig. 9 by taking the display interface of the delay in payment process shown in Fig. 9 as an example First display interface provides the operation entry deferred payment, and shows " wallet " such as on the display interface.When user chooses After the entrance, into second display interface shown in Fig. 9, the Treatment Options of " extension order " are provided by the interface.When with It when family confirmation is deferred payment, may be selected to be somebody's turn to do " extension order " option, so that switching to third shown in Fig. 9 shows boundary Face.The order information that the payment that needs an extension is shown on third display interface, such as pays remaining time, payment amount and payment Mode etc..By a series of delivery operations, after carrying out payment processing to the pay invoice, if paid successfully, display such as Fig. 9 In success payment interface, the delay in payment for thus notifying user current shown in the 4th display interface operate successfully.At this point, eventually End can return to payment result to destination server.
It should be noted that the above process can carry out in the preset time period after completing to pay for first, the preset time Section can be configured according to the actual situation, for example, setting one day, a week, one month etc., this hair for preset time period Bright embodiment is not defined the length of preset time period.It optionally, can be with needle in addition to the fixed preset time period of setting The credit grade of different user is arranged different preset time periods, such as the user that credit grade is high, it is corresponding long pre- If the period, the low user of credit grade, corresponding shorter preset time period etc..
Further, preset time period is set anyway, if not completing delay in payment operation within a preset period of time, Method provided in an embodiment of the present invention further include: display prompt information that target order is paid, thus prompt user and When complete target order delivery operation.It " please completes the payment that order number is * * * in time to grasp for example, prompt information can be Make ".
In addition, after destination server receives the payment processing result that terminal returns storage record can be carried out to it.Into one Step ground, method provided in an embodiment of the present invention further includes that query service of deferring payment is provided for user, including but not limited to: being obtained Client-initiated is deferred payment inquiry request, and the delay in payment result of extension order is returned according to the inquiry request of deferring payment. For example, method provided in an embodiment of the present invention further includes the following steps:
F, terminal sends inquiry request of deferring payment to destination server according to inquiry operation is deferred payment；
For the step, if a user is corresponding with multiple extension orders, when query service is deferred payment in offer, It can provide to defer payment and inquire list, to show all orders that inquiry may be selected to user by the list.When getting use After family selects the inquiry operation of deferring payment of any order, defer payment inquiry request to destination server transmission, in the request Order information to be checked, such as order note identification are carried, so that destination server can return to corresponding extension order Delay in payment result.
G, destination server obtains the inquiry request of deferring payment that terminal is sent, and according to deferring payment, inquiry request return is prolonged The delay in payment result of phase order.
Destination server obtains Client-initiated and defers payment inquiry request, defers payment if terminal request inquires one As a result, then destination server according to the order information of an extension order return terminal request inquiry defer payment as a result, If terminal request be user it is all defer payment as a result, if destination server return to that the user information is corresponding all to prolong Phase payment result.
H, terminal obtain and displaying target server according to defer payment inquiry request return extension order delay branch Pay result.
For the step, if get be user information it is corresponding it is all defer payment as a result, can according to delay branch The corresponding time sequencing of result is paid to show the corresponding all results of deferring payment of user information.
Payment processing process in summary, method provided in an embodiment of the present invention can be applied not only to provide shopping clothes In the application programs such as business, ordering services, hotel's service of booking rooms, it is also applied to other and is related to any using journey of delivery operation In sequence.As shown in Figure 10, registrable to obtain after any user becomes the client of an application program using real name information registering To the corresponding account of the user, and each mechanism can recommend its product to the account.It is being related to delivery operation, and is paying failure When, it can carry out paying for operation first using payment processing method provided in an embodiment of the present invention based on the account, and after paying for operation first Receipt is created, extension order is generated.Wherein, the payment detail in need deferred payment is recorded in the extension order.Subsequent It defers payment in operation, completes the delivery operation to service order.It should be noted that the 1..n in Figure 10 represents quantity pass It is, for example the quantitative relation between client and account is 1..n that 1 to n any number of account can be had by representing a client； Quantitative relation for another example between receipt and service order is 1..1, represents the corresponding service order of a receipt.Wherein, n For the positive integer greater than 1.
Method provided in an embodiment of the present invention is sent by terminal to destination server after the payment failure of target order Thus payment processing request triggers destination server and carries out paying for processing first to target order, can facilitate the complete of the target order At, so that order turnover rate is reduced, raising payment success rate；In addition, destination server carries out paying for it first to the target order It is preceding first to carry out risk assessment, payment risk is thereby reduced, the reliability of payment is improved.
With the continuous development of terminal, the function of terminal is stronger and stronger, and method provided in an embodiment of the present invention is in addition to logical Terminal is crossed to be interacted with server two sides can also be completed by terminal side except realizing.As shown in figure 11, it is held with terminal side For row payment processing method, method provided in an embodiment of the present invention may include the following steps:
In step 1101, obtains the payment processing generated after the payment failure of target order and request, in payment processing request Including at least the corresponding payment information of target order and user information.
For the step, after terminal obtains target order based on the operation creation service order of user, triggering payment behaviour Make.The process of delivery operation can create service order, be sent from operation system to cashier as shown in fig. 6, after user places an order The pre-paid list of creation, cashier return to payment parameter according to the pre-paid list.Such as after user confirms and executes delivery operation, call out Cashier is played, means of payment selection interface is provided.According to the means of payment that user selects, the payment cipher of user's input is obtained, And payment processing is carried out accordingly.
If payment failure, terminal obtains the payment processing request generated after the payment failure of target order, payment processing The corresponding payment information of target order and user information are included at least in request.Wherein, payment information includes but is not limited to need The amount of money of payment, user information include but is not limited to user identifier, user account etc..
In step 1102, risk assessment is carried out to target order according to user information.
The implementation of the step can refer to the content of above-mentioned steps 503, and details are not described herein again.
In step 1103, in response to risk evaluation result, target order is carried out to pay for processing first.
After passing through risk assessment, illustrate that the risk paid for first is lower, thus in order to enable the target order is not lost, terminal The target order is carried out paying for processing first according to payment information.
Optionally, referring to Figure 12, treatment process provided in an embodiment of the present invention of paying for first sees below step.
In step 11031, target order is paid for first.
The implementation of the step can refer to the content of above-mentioned steps 504, and details are not described herein again.
In step 11032, the corresponding extension order of target order is generated.
The implementation of the step can refer to the content of above-mentioned steps 505, and details are not described herein again.
In step 11033, the delay in payment operation to target order is completed based on extension order within a preset period of time.
For the step, the process of delay in payment operation includes but is not limited to obtain the corresponding payment of extension order to order It is single, payment processing is carried out based on pay invoice, and export payment processing result.For example, delay in payment operation includes following several A step:
(1), terminal operates according to extension order inquiries after detecting the operation of extension order inquiries and obtains extension order.
For the step, if a user is corresponding with multiple extension orders, when providing the service of extension order inquiries, It can provide extension order inquiries list, to show all extension orders that inquiry may be selected to user by the list.Work as acquisition After the inquiry operation for selecting any extension order to user, order information to be checked, such as order note identification are obtained, is obtained accordingly Corresponding extension order.Certainly, it as a kind of optional embodiment, can also be obtained after detecting the operation of extension order inquiries The corresponding all extension orders of user information.
(2), terminal is shown extension order, and after determining the operation that defer payment, creates extension order pair The pay invoice answered.
After terminal is shown extension order, it is possible to provide user selects entrance, allows users to through the entrance The extension order to be paid is selected, the operation so that triggering is deferred payment.After terminal detects that a certain extension order is selected, also Prompt information can be shown, to prompt the user whether to execute operation of deferring payment.After detecting that user selects confirmation operation, wound Build the corresponding pay invoice of extension order.
(3), payment processing is carried out to pay invoice, and exports payment processing result.
Wherein, when terminal carries out payment processing to pay invoice, it can be used and above-mentioned delivery operation is carried out to target order Mode herein repeats no more the process.In addition, the above process similarly can refer to interface shown in Fig. 8 and Fig. 9.
It further, can be to payment processing result after terminal carries out payment processing to pay invoice within a preset period of time Storage record is carried out, it is subsequent that query service of deferring payment can also be provided for user, including but not limited to obtain Client-initiated It defers payment inquiry request, the delay in payment result of extension order is returned according to inquiry request of deferring payment.For example, if one User is corresponding with multiple extension orders, then when query service is deferred payment in offer, it is possible to provide defers payment and inquires list, with logical It crosses the list and shows all orders that inquiry may be selected to user.When the inquiry of deferring payment for getting user's selection any order After operation, order information to be checked, such as order note identification are obtained, inquiry request of deferring payment is obtained accordingly, according to the extension Payment inquiry request returns to the delay in payment of extension order as a result, and further displaying the delay in payment result of extension order.
Wherein, if request inquiry one defer payment as a result, if according to the order information of an extension order inquire And show the extension order defer payment as a result, if request be user it is all defer payment as a result, if show the use The corresponding all results of deferring payment in family.For show the user it is corresponding it is all defer payment result the case where, can be according to prolonging The corresponding time sequencing of phase payment result shows the corresponding all results of deferring payment of user information.
It should be noted that the present embodiment is only by taking entire payment processing process is realized in terminal side as an example, payment processing method Realization principle it is identical as the principle of above-mentioned embodiment illustrated in fig. 5, correlation step can refer to the interior of above-mentioned embodiment illustrated in fig. 5 Hold.
Method provided in an embodiment of the present invention pays for place first by carrying out to target order after the payment failure of target order Reason, can facilitate the completion of the target order, to reduce order turnover rate, improve payment success rate；In addition, carrying out paying for place first Risk assessment is first carried out before reason, payment risk is thereby reduced, improves the reliability of payment.
Based on inventive concept same as mentioned above, referring to Figure 13, the embodiment of the invention provides a kind of payment processings Device, the device can be applied in server or terminal.As shown in figure 13, which includes:
Module 1301 is obtained, for obtaining the payment processing request generated after the payment failure of target order, payment processing is asked The corresponding payment information of target order and user information are included at least in asking；
Risk evaluation module 1302, for carrying out risk assessment to target order according to user information；
Processing module 1303 is paid for first, for carrying out paying for processing first to target order in response to risk evaluation result.
In a kind of optional embodiment, referring to Figure 14, this pays for processing module 1303 first, comprising:
Unit 13031 is paid for first, for paying for first target order；
Order generation unit 13032, for generating the corresponding extension order of target order；
Payment processing unit 13033, for completing the delay to target order within a preset period of time based on extension order Delivery operation.
In a kind of optional embodiment, risk evaluation module 1302, for obtaining the corresponding history row of user information For data；Risk assessment is carried out to target order according to historical behavior data.
In a kind of optional embodiment, the corresponding historical behavior data of user information, which include that user information is corresponding, to be gone through History pays total degree and history payment result；
Risk evaluation module 1302, based on according to the corresponding history payment total degree of user information and history payment result Calculate the corresponding history success Payment Proportion of user information；If history success Payment Proportion is greater than successfully Payment Proportion threshold value, mesh Mark order passes through risk assessment.
In a kind of optional embodiment, referring to Figure 15, the device further include:
Authentication module 1304, for verifying client's validity according to user information；
Risk evaluation module 1302, for when verification result be effectively after, execution according to user information to target order into The step of row risk assessment.
In a kind of optional embodiment, payment processing unit 13033 is ordered for obtaining the corresponding payment of extension order It is single, payment processing is carried out based on pay invoice within a preset period of time, and export payment processing result.
In a kind of optional embodiment, referring to Figure 16, the device further include:
Query processing module 1305 is deferred payment inquiry request for obtaining Client-initiated；According to inquiry of deferring payment Request returns to the delay in payment result of extension order.
Device provided in an embodiment of the present invention pays for place first by carrying out to target order after the payment failure of target order Reason, can facilitate the completion of the target order, to reduce order turnover rate, improve payment success rate；In addition, to the target Order carries out first carrying out risk assessment before paying for processing first, thereby reduces payment risk, improves the reliability of payment.
It should be noted that device provided by the above embodiment is when realizing its function, only with above-mentioned each functional module It divides and carries out for example, can according to need in practical application and be completed by different functional modules above-mentioned function distribution, The internal structure of equipment is divided into different functional modules, to complete all or part of the functions described above.In addition, Apparatus and method embodiment provided by the above embodiment belongs to same design, and specific implementation process is detailed in embodiment of the method, this In repeat no more.
Figure 17 is a kind of structural schematic diagram of payment processing equipment provided in an embodiment of the present invention, which can be service Device, server can be individual server or cluster server.Specifically:
Server includes central processing unit (CPU) 1701, random access memory (RAM) 1702 and read-only memory (ROM) 1703 system storage 1704, and the system bus of connection system storage 1704 and central processing unit 1701 1705.Server further includes basic input/output (the I/O system that information is transmitted between each device helped in computer System) 1706, and for the mass-memory unit of storage program area 1713, application program 1714 and other program modules 1717 1707。
Basic input/output 1706 includes display 1708 for showing information and inputs information for user Such as mouse, keyboard etc input equipment 1709.Wherein display 1708 and input equipment 1709 are all by being connected to The input and output controller 1710 of system bus 1705 is connected to central processing unit 1701.Basic input/output 1706 is also May include input and output controller 1710 with for receive and handle from keyboard, mouse or electronic touch pen etc. it is multiple its The input of his equipment.Similarly, input and output controller 1710 also provides output to display screen, printer or other kinds of defeated Equipment out.
Mass-memory unit 1707 is connected by being connected to the bulk memory controller (not shown) of system bus 1705 It is connected to central processing unit 1701.Mass-memory unit 1707 and its associated computer-readable medium provide for server Non-volatile memories.That is, mass-memory unit 1707 may include such as hard disk or CD-ROM drive etc Computer-readable medium (not shown).
Without loss of generality, computer-readable medium may include computer storage media and communication media.Computer storage Medium includes any of the information such as computer readable instructions, data structure, program module or other data for storage The volatile and non-volatile of method or technique realization, removable and irremovable medium.Computer storage medium include RAM, ROM, EPROM, EEPROM, flash memory or other solid-state storages its technologies, CD-ROM, DVD or other optical storages, cassette, magnetic Band, disk storage or other magnetic storage devices.Certainly, skilled person will appreciate that computer storage medium is not limited to It states several.Above-mentioned system storage 1704 and mass-memory unit 1707 may be collectively referred to as memory.
According to various embodiments of the present invention, server can also be connected to the network by internet etc. onto network Remote computer operation.Namely server can be connected to by the Network Interface Unit 1711 being connected on system bus 1705 In other words Network Interface Unit 1711 can be used also to be connected to other kinds of network or remote computer in network 1712 System (not shown).
Above-mentioned memory further includes one, and perhaps more than one program one or more than one program are stored in storage In device, it is configured to be executed by CPU.The one or more programs include for carrying out branch provided in an embodiment of the present invention Pay the instruction of processing method.
Figure 18 is a kind of structural schematic diagram of payment processing equipment provided in an embodiment of the present invention.The equipment can be for eventually End, such as may is that smart phone, tablet computer, MP3 player (Moving Picture Experts GroupAudio Layer III, dynamic image expert's compression standard audio level 3), MP4 (Moving Picture Experts GroupAudio Layer IV, dynamic image expert's compression standard audio level 4) player, laptop or desktop Brain.Terminal is also possible to referred to as other titles such as user equipment, portable terminal, laptop terminal, terminal console.
In general, terminal includes: processor 1801 and memory 1802.
Processor 1801 may include one or more processing cores, such as 4 core processors, 8 core processors etc..Place Reason device 1801 can use DSP (Digital Signal Processing, Digital Signal Processing), FPGA (Field- Programmable Gate Array, field programmable gate array), PLA (Programmable LogicArray, may be programmed Logic array) at least one of example, in hardware realize.Processor 1801 also may include primary processor and coprocessor, master Processor is the processor for being handled data in the awake state, also referred to as CPU (Central Processing Unit, central processing unit)；Coprocessor is the low power processor for being handled data in the standby state.? In some embodiments, processor 1801 can be integrated with GPU (Graphics Processing Unit, image processor), GPU is used to be responsible for the rendering and drafting of content to be shown needed for display screen.In some embodiments, processor 1801 can also be wrapped AI (Artificial Intelligence, artificial intelligence) processor is included, the AI processor is for handling related machine learning Calculating operation.
Memory 1802 may include one or more computer readable storage mediums, which can To be non-transient.Memory 1802 may also include high-speed random access memory and nonvolatile memory, such as one Or multiple disk storage equipments, flash memory device.In some embodiments, the non-transient computer in memory 1802 can Storage medium is read for storing at least one instruction, at least one instruction performed by processor 1801 for realizing this Shen Please in embodiment of the method provide payment processing method.
In some embodiments, terminal is also optional includes: peripheral device interface 1803 and at least one peripheral equipment.Place Managing can be connected between device 1801, memory 1802 and peripheral device interface 1803 by bus or signal wire.Each periphery is set It is standby to be connected by bus, signal wire or circuit board with peripheral device interface 1803.Specifically, peripheral equipment includes: radio frequency In circuit 1804, touch display screen 1805, camera 1806, voicefrequency circuit 1807, positioning component 1808 and power supply 1809 extremely Few one kind.
Peripheral device interface 1803 can be used for I/O (Input/Output, input/output) is relevant outside at least one Peripheral equipment is connected to processor 1801 and memory 1802.In some embodiments, processor 1801, memory 1802 and periphery Equipment interface 1803 is integrated on same chip or circuit board；In some other embodiments, processor 1801, memory 1802 and peripheral device interface 1803 in any one or two can be realized on individual chip or circuit board, this implementation Example is not limited this.
Radio circuit 1804 is for receiving and emitting RF (Radio Frequency, radio frequency) signal, also referred to as electromagnetic signal. Radio circuit 1804 is communicated by electromagnetic signal with communication network and other communication equipments.Radio circuit 1804 is by telecommunications Number being converted to electromagnetic signal is sent, alternatively, the electromagnetic signal received is converted to electric signal.Optionally, radio circuit 1804 include: antenna system, RF transceiver, one or more amplifiers, tuner, oscillator, digital signal processor, volume solution Code chipset, user identity module card etc..Radio circuit 1804 can by least one wireless communication protocol come with it is other Terminal is communicated.The wireless communication protocol includes but is not limited to: Metropolitan Area Network (MAN), each third generation mobile communication network (2G, 3G, 4G and 5G), WLAN and/or WiFi (Wireless Fidelity, Wireless Fidelity) network.In some embodiments, radio frequency electrical Road 1804 can also include NFC (NearField Communication, wireless near field communication) related circuit, the application This is not limited.
Display screen 1805 is for showing UI (User Interface, user interface).The UI may include figure, text, Icon, video and its their any combination.When display screen 1805 is touch display screen, display screen 1805 also there is acquisition to exist The ability of the touch signal on the surface or surface of display screen 1805.The touch signal can be used as control signal and be input to place Reason device 1801 is handled.At this point, display screen 1805 can be also used for providing virtual push button and/or dummy keyboard, it is also referred to as soft to press Button and/or soft keyboard.In some embodiments, display screen 1805 can be one, and the front panel of terminal is arranged；In other realities It applies in example, display screen 1805 can be at least two, be separately positioned on the different surfaces of terminal or in foldover design；Still other In embodiment, display screen 1805 can be flexible display screen, be arranged on the curved surface of terminal or on fold plane.Even, it shows Display screen 1805 can also be arranged to non-rectangle irregular figure, namely abnormity screen.Display screen 1805 can use LCD (Liquid Crystal Display, liquid crystal display), OLED (Organic Light-Emitting Diode, You Jifa Optical diode) etc. materials preparation.
CCD camera assembly 1806 is for acquiring image or video.Optionally, CCD camera assembly 1806 includes front camera And rear camera.In general, the front panel of terminal is arranged in front camera, the back side of terminal is arranged in rear camera.? In some embodiments, rear camera at least two is that main camera, depth of field camera, wide-angle camera, focal length are taken the photograph respectively As any one in head, to realize that main camera and the fusion of depth of field camera realize background blurring function, main camera and wide Pan-shot and VR (Virtual Reality, virtual reality) shooting function or other fusions are realized in camera fusion in angle Shooting function.In some embodiments, CCD camera assembly 1806 can also include flash lamp.Flash lamp can be monochromatic temperature flash of light Lamp is also possible to double-colored temperature flash lamp.Double-colored temperature flash lamp refers to the combination of warm light flash lamp and cold light flash lamp, can be used for Light compensation under different-colour.
Voicefrequency circuit 1807 may include microphone and loudspeaker.Microphone is used to acquire the sound wave of user and environment, and It converts sound waves into electric signal and is input to processor 1801 and handled, or be input to radio circuit 1804 to realize that voice is logical Letter.For stereo acquisition or the purpose of noise reduction, microphone can be separately positioned on the different parts of terminal to be multiple.Mike Wind can also be array microphone or omnidirectional's acquisition type microphone.Loudspeaker is then used to that processor 1801 or radio circuit will to be come from 1804 electric signal is converted to sound wave.Loudspeaker can be traditional wafer speaker, be also possible to piezoelectric ceramic loudspeaker.When When loudspeaker is piezoelectric ceramic loudspeaker, the audible sound wave of the mankind can be not only converted electrical signals to, it can also be by telecommunications Number the sound wave that the mankind do not hear is converted to carry out the purposes such as ranging.In some embodiments, voicefrequency circuit 1807 can also wrap Include earphone jack.
Positioning component 1808 is used for the current geographic position of positioning terminal, to realize navigation or LBS (Location Based Service, location based service).Positioning component 1808 can be GPS (the Global Positioning based on the U.S. System, global positioning system), the dipper system of China, Russia Gray receive the Galileo system of this system or European Union Positioning component.
Power supply 1809 is used to be powered for the various components in terminal.Power supply 1809 can be alternating current, direct current, one Secondary property battery or rechargeable battery.When power supply 1809 includes rechargeable battery, which can support wired charging Or wireless charging.The rechargeable battery can be also used for supporting fast charge technology.
In some embodiments, terminal further includes having one or more sensors 1810.The one or more sensors 1810 include but is not limited to: acceleration transducer 1811, gyro sensor 1812, pressure sensor 1813, fingerprint sensor 1814, optical sensor 1815 and proximity sensor 1816.
Acceleration transducer 1811 can detecte the acceleration magnitude in three reference axis of the coordinate system established with terminal. For example, acceleration transducer 1811 can be used for detecting component of the acceleration of gravity in three reference axis.Processor 1801 can With the acceleration of gravity signal acquired according to acceleration transducer 1811, touch display screen 1805 is controlled with transverse views or longitudinal direction The display of view progress user interface.Acceleration transducer 1811 can be also used for adopting for game or the exercise data of user Collection.
Gyro sensor 1812 can detecte body direction and the rotational angle of terminal, and gyro sensor 1812 can be with Movement of the acquisition user to terminal is cooperateed with acceleration transducer 1811.Processor 1801 is acquired according to gyro sensor 1812 Data, may be implemented following function: image when action induction (for example changing UI according to the tilt operation of user), shooting Stable, game control and inertial navigation.
The lower layer of side frame and/or touch display screen 1805 in terminal can be set in pressure sensor 1813.Work as pressure When the side frame of terminal is arranged in sensor 1813, user can detecte to the gripping signal of terminal, by 1801 basis of processor The gripping signal that pressure sensor 1813 acquires carries out right-hand man's identification or prompt operation.When the setting of pressure sensor 1813 is being touched When touching the lower layer of display screen 1805, the pressure operation of touch display screen 1805 is realized to UI according to user by processor 1801 Operability control on interface is controlled.Operability control includes button control, scroll bar control, icon control, dish At least one of single control part.
Fingerprint sensor 1814 is used to acquire the fingerprint of user, is collected by processor 1801 according to fingerprint sensor 1814 Fingerprint recognition user identity, alternatively, by fingerprint sensor 1814 according to the identity of collected fingerprint recognition user.Knowing Not Chu the identity of user when being trusted identity, authorize the user to execute relevant sensitive operation by processor 1801, which grasps Make to include solving lock screen, checking encryption information, downloading software, payment and change setting etc..Fingerprint sensor 1814 can be set Set the front, the back side or side of terminal.When being provided with physical button or manufacturer Logo in terminal, fingerprint sensor 1814 can be with It is integrated with physical button or manufacturer Logo.
Optical sensor 1815 is for acquiring ambient light intensity.In one embodiment, processor 1801 can be according to light The ambient light intensity that sensor 1815 acquires is learned, the display brightness of touch display screen 1805 is controlled.Specifically, work as ambient light intensity When higher, the display brightness of touch display screen 1805 is turned up；When ambient light intensity is lower, the aobvious of touch display screen 1805 is turned down Show brightness.In another embodiment, the ambient light intensity that processor 1801 can also be acquired according to optical sensor 1815, is moved The acquisition parameters of state adjustment CCD camera assembly 1806.
Proximity sensor 1816, also referred to as range sensor are generally arranged at the front panel of terminal.Proximity sensor 1816 is used In acquisition the distance between user and the front of terminal.In one embodiment, when proximity sensor 1816 detect user with When the distance between front of terminal gradually becomes smaller, touch display screen 1805 is controlled by processor 1801 and is switched to from bright screen state Cease screen state；When proximity sensor 1816 detects that the distance between the front of user and terminal becomes larger, by processor 1801 control touch display screens 1805 are switched to bright screen state from breath screen state.
It will be understood by those skilled in the art that the restriction of the not structure paired terminal of structure shown in Figure 18, may include Than illustrating more or fewer components, perhaps combines certain components or arranged using different components.
In this example in embodiment, a kind of computer equipment is additionally provided, the computer equipment includes processor and deposits Reservoir is stored at least one instruction in the memory.It is described at least one instruction be configured to by one or one with Upper processor executes, to realize above-mentioned payment processing method.
In the exemplary embodiment, a kind of computer readable storage medium is additionally provided, is stored in the storage medium At least one instruction, at least one instruction realize above-mentioned payment processing side when being executed by the processor of computer equipment Method.
Optionally, above-mentioned computer readable storage medium can be ROM, random access memory (RAM), CD-ROM, magnetic Band, floppy disk and optical data storage devices etc..
It should be understood that referenced herein " multiple " refer to two or more."and/or", description association The incidence relation of object indicates may exist three kinds of relationships, for example, A and/or B, can indicate: individualism A exists simultaneously A And B, individualism B these three situations.Character "/" typicallys represent the relationship that forward-backward correlation object is a kind of "or".
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
The foregoing is merely exemplary embodiment of the present invention, are not intended to limit the invention, all in spirit of the invention Within principle, any modification, equivalent replacement, improvement and so on be should all be included in the protection scope of the present invention.

Claims (15)

1. a kind of payment processing method, which is characterized in that the described method includes:
The payment processing request generated after the payment failure of target order is obtained, includes at least the mesh in the payment processing request Mark the corresponding payment information of order and user information；
Risk assessment is carried out to the target order according to the user information；
In response to risk evaluation result, the target order is carried out paying for processing first.
2. the method according to claim 1, wherein described carry out paying for processing first to the target order, comprising:
The target order is paid for first；
Generate the corresponding extension order of the target order；
The delay in payment operation to the target order is completed within a preset period of time based on the extension order.
3. the method according to claim 1, wherein it is described according to the user information to the target order into Row risk assessment, comprising:
Obtain the corresponding historical behavior data of the user information；
Risk assessment is carried out to the target order according to the historical behavior data.
4. according to the method described in claim 3, it is characterized in that, the corresponding historical behavior data of the user information include institute State the corresponding history payment total degree of user information and history payment result；
It is described that risk assessment is carried out to the target order according to the historical behavior data, comprising:
It is corresponding that the user information is calculated according to the corresponding history payment total degree of the user information and history payment result History success Payment Proportion；
If the history success Payment Proportion is greater than successfully Payment Proportion threshold value, the target order passes through risk assessment.
5. the method according to claim 1, wherein the method also includes:
Client's validity is verified according to the user information；
After verification result is effectively, the step for carrying out risk assessment to the target order according to the user information is executed Suddenly.
6. according to the method any in claim 2-5, which is characterized in that described to be based on the extension order when default Between complete in section to operate the delay in payment of the target order, comprising:
The corresponding pay invoice of the extension order is obtained, is carried out at payment within a preset period of time based on the pay invoice Reason, and export payment processing result.
7. according to the method described in claim 6, it is characterized in that, the method also includes:
Client-initiated is obtained to defer payment inquiry request；
The delay in payment result of the extension order is returned according to the inquiry request of deferring payment.
8. a kind of payment processing device, which is characterized in that described device includes:
Module is obtained, is requested for obtaining the payment processing generated after the payment failure of target order, in the payment processing request Including at least the corresponding payment information of the target order and user information；
Risk evaluation module, for carrying out risk assessment to the target order according to the user information；
Processing module is paid for first, for carrying out paying for processing first to the target order in response to risk evaluation result.
9. device according to claim 8, which is characterized in that described to pay for processing module first, comprising:
Unit is paid for first, for paying for first the target order；
Order generation unit, for generating the corresponding extension order of the target order；
Payment processing unit, for completing the delay branch to the target order within a preset period of time based on the extension order Pay operation.
10. device according to claim 8, which is characterized in that the risk evaluation module, for obtaining user's letter Cease corresponding historical behavior data；Risk assessment is carried out to the target order according to the historical behavior data.
11. device according to claim 10, which is characterized in that the corresponding historical behavior data of the user information include The corresponding history payment total degree of the user information and history payment result；
The risk evaluation module, based on according to the corresponding history payment total degree of the user information and history payment result Calculate the corresponding history success Payment Proportion of the user information；If the history success Payment Proportion is greater than successfully Payment Proportion threshold Value, then the target order passes through risk assessment.
12. device according to claim 8, which is characterized in that described device further include:
Authentication module, for verifying client's validity according to the user information；
The risk evaluation module, for when verification result be effectively after, execution it is described according to the user information to the mesh Mark the step of order carries out risk assessment.
13. according to any device of claim 9-12, which is characterized in that the payment processing unit, for obtaining The corresponding pay invoice of extension order is stated, payment processing is carried out based on the pay invoice within a preset period of time, and export branch Pay processing result.
14. device according to claim 13, which is characterized in that described device further include:
Query processing module is deferred payment inquiry request for obtaining Client-initiated；According to the inquiry request of deferring payment Return to the delay in payment result of the extension order.
15. a kind of computer readable storage medium, which is characterized in that be stored at least one in the computer readable storage medium Payment processing method as described in any one of claim 1 to 7 is realized in item instruction, at least one instruction when executed.
CN201810930313.5A 2018-08-15 2018-08-15 Payment processing method, device and computer readable storage medium Pending CN109345220A (en)

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CN111179023A (en) * 2019-12-10 2020-05-19 北京互金新融科技有限公司 Order identification method and device
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WO2021213250A1 (en) * 2020-04-24 2021-10-28 支付宝(杭州)信息技术有限公司 Secure business transaction
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CN111612197A (en) * 2019-02-25 2020-09-01 北京嘀嘀无限科技发展有限公司 Security event order detection method and device and electronic equipment
CN110033280A (en) * 2019-03-08 2019-07-19 阿里巴巴集团控股有限公司 Pay anti-fluttering method and device
CN111179023A (en) * 2019-12-10 2020-05-19 北京互金新融科技有限公司 Order identification method and device
WO2021213250A1 (en) * 2020-04-24 2021-10-28 支付宝(杭州)信息技术有限公司 Secure business transaction
CN113129012A (en) * 2021-04-09 2021-07-16 支付宝(杭州)信息技术有限公司 Payment data processing method, device, equipment and system
US20230162269A1 (en) * 2021-11-23 2023-05-25 Dola Technology Limited Method for order processing and system thereof
CN114187999A (en) * 2022-02-17 2022-03-15 四川赛尔斯科技有限公司 Hospital unified payment management platform and control method
CN114187999B (en) * 2022-02-17 2022-04-19 四川赛尔斯科技有限公司 Hospital unified payment management platform and control method

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