CN111768186A - Payment method and device for electronic wallet and electronic equipment - Google Patents
Payment method and device for electronic wallet and electronic equipment Download PDFInfo
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- CN111768186A CN111768186A CN202010429063.4A CN202010429063A CN111768186A CN 111768186 A CN111768186 A CN 111768186A CN 202010429063 A CN202010429063 A CN 202010429063A CN 111768186 A CN111768186 A CN 111768186A
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- 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
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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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
- G06Q20/30—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
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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Abstract
The specification discloses a payment method, a payment device and electronic equipment for an electronic wallet, wherein the method comprises the following steps: acquiring a bank card corresponding to payment operation and verification information for verifying the identity of the bank card when the bank card is used by a bank end; if the verification information meets the preset wind control decision degradation condition, reducing the wind control decision grade at the electronic wallet side according to the verification information, wherein the lower the wind control decision grade, the less the verification content required by the corresponding wind control decision is; and carrying out identity verification on the user according to the wind control decision after the grade is reduced so as to complete corresponding payment logic. The wind control decision level of the electronic wallet side for payment by using the bank card is reduced according to the verification information of the bank end, the frequency of obtaining the verification information from a user is reduced, and the payment efficiency is improved.
Description
Technical Field
The present disclosure relates to the field of software technologies, and in particular, to a payment method and device for an electronic wallet, and an electronic device.
Background
Electronic purses are a common payment instrument used in e-commerce shopping activities. Electronic money, such as electronic cash, electronic change, electronic bank cards, etc., is stored in the electronic wallet. The electronic purse may also bind a physical bank card. When binding the entity bank card, the information of the name, the certificate number, the card number, the reserved mobile phone number and the like of the card holder is sent to the bank terminal for verification according to the requirements of different card issuers, and the card binding operation is completed after the verification is passed. After the binding is successful, the bound bank card can be used for payment transaction through the electronic wallet, and an entity bank does not need to be used. When the electronic wallet uses the bound bank card to perform payment transaction, the problem of repeated verification often occurs, and a new payment method is urgently needed to optimize the payment process at the electronic wallet side.
Disclosure of Invention
The embodiment of the specification provides a payment method and device for an electronic wallet and electronic equipment, which are used for reducing the frequency of obtaining verification information from a user and improving the payment efficiency.
In a first aspect, an embodiment of the present specification provides a payment method for an electronic wallet, including:
acquiring payment operation of a user for payment by using a bank card in an electronic wallet;
acquiring verification information for verifying the identity of the bank card used by the bank end;
if the verification information meets a preset wind control degradation condition, reducing the wind control decision level of the payment operation at the electronic wallet side according to the verification information, wherein the lower the wind control decision level is, the less the verification content is needed by the corresponding wind control decision;
and carrying out identity verification on the user according to the wind control decision after the grade is reduced, and finishing the payment logic corresponding to the payment operation when the verification is passed.
Optionally, obtaining verification information for verifying the identity of the bank using the bank end includes:
acquiring verification information transmitted by the bank terminal after the bank card binding verification is passed when the electronic wallet binds the bank card;
the method further comprises the following steps:
obtaining the card binding time of the bank card according to the verification information;
and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the card binding time, and if so, determining that the verification information meets the wind control degradation condition.
Optionally, the obtaining verification information for verifying the identity of the bank terminal for using the bank card includes:
sending the transaction information corresponding to the payment operation to the bank end according to the verification logic of the bank end;
requesting the bank end to carry out identity verification and feedback according to the transaction information;
and receiving the verified verification information fed back by the bank end.
Optionally, the determining whether the wind control decision level of the payment operation at the electronic wallet side needs to be lowered according to the card binding time includes:
acquiring the payment time of the electronic wallet for successful payment by using the bank card;
judging whether the card binding time and the payment time are both within a set time limit;
and if the card binding time and the payment time are within a set time limit, confirming that the wind control decision level needs to be reduced.
Optionally, the method further includes:
obtaining payment characteristic parameters of a user for payment by using the bank card, wherein the payment characteristic parameters comprise at least one of the following parameters: payment frequency, payment time period and payment amount range;
and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the verification information and the payment characteristic parameters, and if so, determining that the verification information meets the wind control degradation condition.
In a second aspect, an embodiment of the present specification further provides a payment device for an electronic wallet, including:
the system comprises an acquisition unit, a payment unit and a verification unit, wherein the acquisition unit is used for acquiring payment operation of a user for paying by using a bank card in an electronic wallet and acquiring verification information of a bank end for verifying the identity of the bank card;
the decision unit is used for reducing the wind control decision level of the payment operation at the electronic wallet side according to the verification information under the condition that the verification information meets a preset wind control degradation condition, wherein the lower the wind control decision level is, the less the verification content is needed by the corresponding wind control decision;
and the payment unit is used for verifying the identity of the user according to the wind control decision after the grade is reduced and finishing the payment logic corresponding to the payment operation when the verification is passed.
Optionally, the obtaining unit is configured to: when the electronic wallet binds the bank card, the electronic wallet requests the bank terminal to transmit verification information after the card binding verification is passed;
the apparatus further comprises a determining unit configured to:
obtaining the card binding time of the bank card according to the verification information;
and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the card binding time, and if so, determining that the verification information meets the wind control degradation condition.
Optionally, the obtaining unit is further configured to:
sending the transaction information corresponding to the payment operation to the bank end according to the verification logic of the bank end;
requesting the bank end to carry out identity verification and feedback according to the transaction information;
and receiving the verified verification information fed back by the bank end.
Optionally, the determining unit is configured to:
acquiring the payment time of the electronic wallet for successful payment by using the bank card;
judging whether the card binding time and the payment time are both within a set time limit;
and if the card binding time and the payment time are within a set time limit, confirming that the wind control decision level needs to be reduced.
Optionally, the apparatus further includes a determining unit, configured to:
obtaining payment characteristic parameters of a user for payment by using the bank card, wherein the payment characteristic parameters comprise at least one of the following parameters: payment frequency, payment time period and payment amount range;
and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the verification information and the payment characteristic parameters, and if so, determining that the verification information meets the wind control degradation condition.
One or more technical solutions in the embodiments of the present specification have at least the following technical effects:
the embodiment of the specification provides a payment method of an electronic wallet, which comprises the steps of obtaining payment operation of a user for payment by using a bank card in the electronic wallet and verification information of identity verification of the bank card by using a bank end; if the verification information meets a preset wind control degradation condition, reducing the wind control decision level of the payment operation at the electronic wallet side according to the verification information, wherein the lower the wind control decision level is, the less the verification content is needed by the corresponding wind control decision; and carrying out identity verification on the user according to the wind control decision after the grade is reduced, and finishing the payment logic corresponding to the payment operation when the verification is passed. The wind control decision and the like of the electronic wallet side are reduced according to the check information of the bank side, on one hand, the safety of the check is guaranteed through the check information of the bank side, on the other hand, the frequency of obtaining the check information from the user is reduced through reducing the grade of the wind control decision, the check pressure of the electronic wallet side is reduced, the payment efficiency is improved, and the anti-disturbance of the user is realized.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present specification, a brief description will be given below of the embodiments or the drawings required in the description of the prior art, and it is obvious that the drawings in the following description are some embodiments of the present specification, and it is obvious for a person skilled in the art to obtain other drawings based on these drawings without inventive labor.
Fig. 1 is a flowchart of a payment method of an electronic wallet provided by an embodiment of the present specification;
FIG. 2 is a flow chart of payment using verification information in binding a card according to an embodiment of the present disclosure;
fig. 3 is a diagram of a route paid using current verification information of a bank end according to an embodiment of the present disclosure;
fig. 4 is a schematic view of a payment device of an electronic wallet provided in an embodiment of the present specification;
fig. 5 is a schematic view of an electronic device provided in an embodiment of the present specification.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present disclosure more clear, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in the embodiments of the present disclosure, and it is obvious that the described embodiments are some, but not all embodiments of the present disclosure. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step are within the scope of the present specification.
Embodiments of the present specification provide a payment method and apparatus for an electronic wallet, and the electronic wallet, which assist the electronic wallet in reducing the level of a wind control decision, reducing the frequency of obtaining verification information from a user, and improving payment efficiency by obtaining verification information of a bank end.
The main implementation principle, the specific implementation mode and the corresponding beneficial effects of the technical solutions of the embodiments of the present description are explained in detail below with reference to the accompanying drawings.
Examples
The electronic purse uses the bank card to pay comprises two processes: the binding of the bank card with the electronic wallet is simply referred to as a binding card, and payment is performed using the bound bank card.
Binding a card: firstly, according to different binding requirements of a bank end corresponding to different bank cards, acquiring verification elements required in binding the bank cards, for example: XX1 bank binding requires verification of cardholder name, cardholder ID card number, bank end reserved mobile phone number and full card number, then the cardholder name, cardholder ID card number, bank end reserved mobile phone number and full card number of the binding to be obtained as verification elements. And then, sending the obtained check elements to the bank end for card binding check. If the verification is passed, the bank end feeds back a message of successful card binding to the electronic wallet, and the card binding is successful; and if the verification fails, the bank end feeds back a card binding failure message to the electronic wallet, and the card binding fails. Aiming at the condition that the card binding is successful, the embodiment further requests the bank end to transparently transmit the verification information of the verification completion, and the method comprises the following steps: the check elements, the card binding time, the check result of each check element and the like, and the electronic wallet receives and stores the check information for the use of the following payment process.
And (4) payment: and receiving the payment operation of the user, responding to the payment operation, and performing payment transaction by using the corresponding bank card. Wherein, different electronic purses, different bank cards and different payment modes are different. And in the payment mode 1, when the electronic wallet responds to the payment operation, the electronic wallet adopts a wind control decision at the electronic wallet side to carry out identity verification on the bound bank card, for example, a payment password at the electronic wallet side input by a user is obtained and verified, if the payment password passes the verification, the identity verification passes, and the corresponding payment operation is completed. And 2, aiming at the bound bank card, sending transaction information corresponding to the payment operation to the bank end according to the verification logic of the corresponding bank end, verifying by the bank end, verifying the identity of the electronic wallet side after the bank end successfully verifies, and finishing the corresponding payment operation after the electronic wallet side passes the verification. For example: XX2 Bank verification logic: when the sum of a single transaction exceeds 2000MOP, the XX2 bank end sends out a short message verification code to verify whether the transaction is the card holder self (or authorized) transaction, and the verification at the electronic wallet side is carried out after the short message verification is passed.
Referring to fig. 1, the present embodiment provides a payment method for an electronic wallet, which optimizes the payment process, and the method includes the following steps S10 to S14:
s10, obtaining payment operation of the user for payment by using a bank card in the electronic wallet;
the payment of the electronic purse comprises balance payment and bank card payment. When the fact that the user uses the bank card at the electronic wallet side for payment is detected, the payment operation of the user is obtained, wherein the payment operation comprises the bank card corresponding to the operation and the bank end corresponding to the bank card.
And S12, acquiring verification information of the bank end for verifying the identity of the bank card.
The method comprises the steps that verification information of a bank end is obtained, the verification information transmitted by the bank end in the card binding process can be obtained from an electronic wallet side, and transaction information corresponding to current payment operation can be sent to the bank end according to verification logic of the bank end to which the bank card belongs; the requesting bank end performs identity verification according to the transaction information and feeds back verified verification information, that is, the verification information obtained in S12 may be verification information when the bank end binds a card, or verification information when the bank end verifies a current payment transaction.
And S14, if the verification information meets the preset wind control degradation condition, reducing the wind control decision level of the payment operation at the electronic wallet side according to the verification information.
Wherein the wind control decision is a risk prevention and control decision of the electronic wallet when the electronic wallet executes payment operation. The lower the wind control decision grade is, the less the checking content required by the corresponding wind control decision is, the simpler the checking content is, and otherwise, the more the checking content is, the; the higher the payment risk, the higher the wind control decision level, whereas the lower the payment risk, the lower the wind control decision level. For example: for payment transactions with greater risks, the identity authentication can be performed by adopting a two-factor verification method such as 'payment password + OTP (one-time-password, short message authentication code)', 'certificate number + payment password' and the like, and for payment transactions with smaller risks, the identity authentication can be performed by adopting the payment password or the identity authentication can be avoided. The verification information of the bank end can help release the risk of card theft, and therefore whether the wind control decision level of the electronic wallet side needs to be reduced or not can be judged according to the verification information of the bank end, so that high-frequency, repeated or invalid identity verification or payment refusal can be prevented. If the judgment result is yes, the verification information is confirmed to meet the preset wind control degradation condition, and the wind control decision level of the electronic wallet side is reduced. Otherwise, if the judgment result is negative, the verification information is confirmed not to meet the preset wind control degradation condition, and identity verification is carried out according to the original wind control decision.
Specifically, when the wind control decision level is lowered according to the verification information, the verification information of the bank end can be reused, repeated verification contents of the electronic wallet side wind control decision and the bank end are reduced, and repeated verification of the verification contents corresponding to the verification information is avoided. Alternatively, the pneumatic decision to deny payment is modified to allow payment. For example: if the authentication content of the original electronic wallet side comprises the payment password and the short message authentication code, when the bank side carries out short message authentication, the payment password can be only authenticated after the wind control decision level is reduced.
And S16, carrying out identity verification on the user according to the wind control decision after the grade is reduced, and completing the payment logic corresponding to the payment operation when the verification is passed.
The identity verification is carried out according to the wind control decision after the grade is reduced, although the grade of the wind control decision is reduced, the payment operation risk can be controlled by combining the verification of the bank end, high-frequency, repeated and invalid identity verification is effectively avoided, the payment efficiency is improved, and better payment experience is brought to users.
Referring to fig. 2, the present embodiment provides a method for making an electronic wallet payment according to verification information during card binding, including:
s20: and acquiring a bank card corresponding to the payment operation of the user and verification information of the bank card in the card binding process.
S22: and obtaining the card binding time of the bank card according to the verification information during the card binding.
S24: judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the card binding time;
for example: and judging whether the card binding time is within a set time limit, such as whether the bank card is bound within 7 days, and if the card binding time is within the set time limit, determining that the wind control decision level when the electronic wallet pays needs to be reduced.
S26: if the judgment result is yes, reducing the grade of the wind control decision according to the card binding time, and verifying the identity of the user according to the grade-reduced wind control decision to finish payment.
For example: for the latest new bound card, the electronic wallet can avoid check payment when using the new bound card for payment, because the bank end and the electronic wallet perform relatively comprehensive identity check in the card transaction process, repeated check is not needed during payment, and high-frequency invalid check is avoided.
In a specific implementation, before performing S24, the payment time of the electronic wallet for successful payment using the bank card may also be obtained. And executing S24 to judge whether the wind control decision level of the electronic wallet side needs to be lowered according to the card binding time and payment time of the bank card. And if the card binding time of the bank card and the payment time of successful payment are within a set time limit, determining to reduce the wind control decision of the payment operation at the electronic wallet side, and otherwise, keeping the wind control decision level at the electronic wallet side.
Referring to fig. 3, the present embodiment provides a method for making an electronic wallet payment according to current verification information of a bank end, including:
s30: and responding to the payment operation of the user, and obtaining the bank card corresponding to the payment operation.
S32: and sending the transaction information corresponding to the payment operation to the bank end according to the verification logic of the bank end corresponding to the bank card, requesting the bank end to verify and feeding back the verified verification information.
The transaction information comprises one or more of information such as payment amount, payment object, payment channel and the like. For example: for some banks, when the payment amount is greater than the preset amount, the bank end needs to check the short message verification code, at the moment, transaction information such as the payment amount and a payment object, of which the payment amount is greater than the preset amount, is sent to the bank end according to the check logic of the bank end, and the bank end conducts corresponding check.
S34: and receiving the verification information fed back by the bank end, and judging whether the wind control decision level at the electronic wallet side needs to be reduced or not according to the verification information.
S36: if the judgment result is yes, the grade of the wind control decision is reduced according to the verification information, and the identity of the user is verified according to the wind control decision after the grade is reduced so as to complete payment.
In a specific implementation process, when determining whether the wind control decision level at the electronic wallet side needs to be lowered, S34 may further obtain a payment characteristic parameter for a user to pay using the bank card, where the characteristic parameter includes at least one of the following parameters: payment frequency, payment time period and payment amount range; and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the verification information and the payment characteristic parameters. The payment characteristic parameters are characteristic parameters representing payment habits of the user and can be obtained according to payment records of the user for payment by using the bank card. If the verification information fed back by the bank end contains part or all of the verification information at the electronic wallet side, and the characteristics corresponding to the current payment operation of the user are consistent with the payment characteristic parameters thereof, the wind control decision grade at the electronic wallet side can be reduced, otherwise, the wind control decision grade is not reduced.
In the embodiment, the check information of the bank end is obtained, the wind control decision level of the electronic wallet side is reduced according to the check information, the frequency of the electronic wallet obtaining the check information from the user is reduced, the payment efficiency is improved, and the anti-disturbance to the user is realized. Furthermore, when the wind control decision level of the electronic wallet side is reduced, the check information of the bank side is reused, the electronic wallet side is prevented from repeatedly acquiring check contents checked by the bank side, repeated check is avoided, and better payment experience is provided for users.
Based on the same inventive concept, the present embodiment also provides a payment apparatus for an electronic wallet, referring to fig. 4, the apparatus includes:
an obtaining unit 41, configured to obtain a payment operation for a user to pay using a bank card in an electronic wallet, and obtain verification information for verifying an identity of the bank card in use by the bank terminal;
a decision unit 42, configured to, when the verification information meets a preset wind control degradation condition, reduce, according to the verification information, a wind control decision level of the payment operation at the electronic wallet side, where a lower wind control decision level requires less verification content for a corresponding wind control decision;
and the payment unit 43 is configured to perform identity verification on the user according to the wind control decision after the level is reduced, and complete a payment logic corresponding to the payment operation when the verification is passed.
As an optional implementation manner, the obtaining unit 41 is configured to: when the electronic wallet binds the bank card, the electronic wallet requests the bank terminal to transmit verification information after the card binding verification is passed; the apparatus further comprises a judging unit 44 for: obtaining the card binding time of the bank card according to the verification information; and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the card binding time, and if so, determining that the verification information meets the wind control degradation condition.
As an optional implementation manner, the obtaining unit 41 is further configured to: sending the transaction information corresponding to the payment operation to the bank end according to the verification logic of the bank end; requesting the bank end to carry out identity verification and feedback according to the transaction information; and receiving the verified verification information fed back by the bank end.
As an optional implementation manner, the determining unit 44 is further configured to: acquiring the payment time of the electronic wallet for successful payment by using the bank card; judging whether the card binding time and the payment time are both within a set time limit; and if the card binding time and the payment time are within a set time limit, confirming that the wind control decision level needs to be reduced.
As an optional implementation, the determining unit 44 is further configured to: obtaining payment characteristic parameters of a user for payment by using the bank card, wherein the payment characteristic parameters comprise at least one of the following parameters: payment frequency, payment time period and payment amount range; and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the verification information and the payment characteristic parameters, and if so, determining that the verification information meets the wind control degradation condition.
With regard to the apparatus in the above-described embodiments, the specific manner in which the respective units perform operations has been described in detail in the embodiments related to the method and will not be elaborated upon here.
Referring to fig. 5, a block diagram of an electronic device 700 for implementing a payment method for an electronic wallet is shown, according to an example embodiment. For example, the electronic device 700 may be a computer, database console, tablet device, personal digital assistant, and the like.
Referring to fig. 5, electronic device 700 may include one or more of the following components: a processing component 702, a memory 704, a power component 706, a multimedia component 708, an input/output (I/O) interface 710, and a communication component 712.
The processing component 702 generally controls overall operation of the electronic device 700, such as operations associated with display, data communication, and recording operations. The processing element 702 may include one or more processors 720 to execute instructions to perform all or part of the steps of the methods described above. Further, the processing component 702 may include one or more modules that facilitate interaction between the processing component 702 and other components.
The memory 704 is configured to store various types of data to support operation at the device 700. Examples of such data include instructions for any application or method operating on the electronic device 700, contact data, phonebook data, messages, pictures, videos, and so forth. The memory 704 may be implemented by any type or combination of volatile or non-volatile memory devices such as Static Random Access Memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic or optical disks.
The power supply component 706 provides power to the various components of the electronic device 700. The power components 706 may include a power management system, one or more power sources, and other components associated with generating, managing, and distributing power for the electronic device 700.
The I/O interface 710 provides an interface between the processing component 702 and peripheral interface modules, which may be keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to: a home button, a volume button, a start button, and a lock button.
The communication component 712 is configured to facilitate wired or wireless communication between the electronic device 700 and other devices. The electronic device 700 may access a wireless network based on a communication standard, such as WiFi, 2G or 3G, or a combination thereof. In an exemplary embodiment, the communication part 712 receives a broadcast signal or broadcast associated information from an external broadcast management system via a broadcast channel. In an exemplary embodiment, the communication component 712 further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, Ultra Wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
In an exemplary embodiment, the electronic device 700 may be implemented by one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described methods.
In an exemplary embodiment, a non-transitory computer readable storage medium comprising instructions, such as the memory 704 comprising instructions, executable by the processor 720 of the electronic device 700 to perform the above-described method is also provided. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
A non-transitory computer-readable storage medium in which instructions, when executed by a processor of a mobile terminal, enable an electronic device to perform a data query method, the method comprising:
acquiring payment operation of a user for payment by using a bank card in an electronic wallet;
acquiring verification information for verifying the identity of the bank card used by the bank end;
if the verification information meets a preset wind control degradation condition, reducing the wind control decision level of the payment operation at the electronic wallet side according to the verification information, wherein the lower the wind control decision level is, the less the verification content is needed by the corresponding wind control decision;
and carrying out identity verification on the user according to the wind control decision after the grade is reduced, and finishing the payment logic corresponding to the payment operation when the verification is passed.
It will be understood that the present embodiments are not limited to the precise arrangements described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present embodiments is limited only by the appended claims
The above description is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present embodiment.
Claims (12)
1. A payment method for an electronic wallet, comprising:
acquiring payment operation of a user for payment by using a bank card in an electronic wallet;
acquiring verification information for verifying the identity of the bank card used by the bank end;
if the verification information meets a preset wind control degradation condition, reducing the wind control decision level of the payment operation at the electronic wallet side according to the verification information, wherein the lower the wind control decision level is, the less the verification content is needed by the corresponding wind control decision;
and carrying out identity verification on the user according to the wind control decision after the grade is reduced, and finishing the payment logic corresponding to the payment operation when the verification is passed.
2. The method of claim 1, wherein obtaining verification information for verifying the identity of the bank for use by the bank comprises:
acquiring verification information transmitted by the bank terminal after the bank card binding verification is passed when the electronic wallet binds the bank card;
the method further comprises the following steps:
obtaining the card binding time of the bank card according to the verification information;
and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the card binding time, and if so, determining that the verification information meets the wind control degradation condition.
3. The method as claimed in claim 1, wherein the obtaining of the verification information for verifying the identity of the bank terminal for using the bank card comprises:
sending the transaction information corresponding to the payment operation to the bank end according to the verification logic of the bank end;
requesting the bank end to carry out identity verification and feedback according to the transaction information;
and receiving the verified verification information fed back by the bank end.
4. The method of claim 2, wherein said determining whether a level of a pneumatic decision of said payment operation on said e-wallet side needs to be lowered based on said bind time comprises:
acquiring the payment time of the electronic wallet for successful payment by using the bank card;
judging whether the card binding time and the payment time are both within a set time limit;
and if the card binding time and the payment time are within a set time limit, confirming that the wind control decision level needs to be reduced.
5. The method of claim 1, further comprising:
obtaining payment characteristic parameters of a user for payment by using the bank card, wherein the payment characteristic parameters comprise at least one of the following parameters: payment frequency, payment time period and payment amount range;
and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the verification information and the payment characteristic parameters, and if so, determining that the verification information meets the wind control degradation condition.
6. A payment device for an electronic wallet, comprising:
the system comprises an acquisition unit, a payment unit and a verification unit, wherein the acquisition unit is used for acquiring payment operation of a user for paying by using a bank card in an electronic wallet and acquiring verification information of a bank end for verifying the identity of the bank card;
the decision unit is used for reducing the wind control decision level of the payment operation at the electronic wallet side according to the verification information under the condition that the verification information meets a preset wind control degradation condition, wherein the lower the wind control decision level is, the less the verification content is needed by the corresponding wind control decision;
and the payment unit is used for verifying the identity of the user according to the wind control decision after the grade is reduced and finishing the payment logic corresponding to the payment operation when the verification is passed.
7. The apparatus of claim 6, the obtaining unit to: when the electronic wallet binds the bank card, the electronic wallet requests the bank terminal to transmit verification information after the card binding verification is passed;
the apparatus further comprises a determining unit configured to:
obtaining the card binding time of the bank card according to the verification information;
and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the card binding time, and if so, determining that the verification information meets the wind control degradation condition.
8. The apparatus of claim 6, the obtaining unit further to:
sending the transaction information corresponding to the payment operation to the bank end according to the verification logic of the bank end;
requesting the bank end to carry out identity verification and feedback according to the transaction information;
and receiving the verified verification information fed back by the bank end.
9. The apparatus of claim 7, the determining unit to:
acquiring the payment time of the electronic wallet for successful payment by using the bank card;
judging whether the card binding time and the payment time are both within a set time limit;
and if the card binding time and the payment time are within a set time limit, confirming that the wind control decision level needs to be reduced.
10. The apparatus according to claim 6, the apparatus further comprising a determining unit for:
obtaining payment characteristic parameters of a user for payment by using the bank card, wherein the payment characteristic parameters comprise at least one of the following parameters: payment frequency, payment time period and payment amount range;
and judging whether the wind control decision level of the payment operation at the electronic wallet side needs to be reduced or not according to the verification information and the payment characteristic parameters, and if so, determining that the verification information meets the wind control degradation condition.
11. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 5.
12. An electronic device comprising a memory and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by one or more processors to execute operating instructions included in the one or more programs for performing the corresponding method according to any one of claims 1 to 5.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010429063.4A CN111768186A (en) | 2020-05-19 | 2020-05-19 | Payment method and device for electronic wallet and electronic equipment |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010429063.4A CN111768186A (en) | 2020-05-19 | 2020-05-19 | Payment method and device for electronic wallet and electronic equipment |
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| CN111768186A true CN111768186A (en) | 2020-10-13 |
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| CN202010429063.4A Pending CN111768186A (en) | 2020-05-19 | 2020-05-19 | Payment method and device for electronic wallet and electronic equipment |
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| CN104200152A (en) * | 2003-09-12 | 2014-12-10 | Emc公司 | System and method for risk based authentication |
| CN106529952A (en) * | 2015-09-09 | 2017-03-22 | 腾讯科技（深圳）有限公司 | Verification realizing method and system in data transfer |
| CN108399543A (en) * | 2018-01-23 | 2018-08-14 | 阿里巴巴集团控股有限公司 | Binding method, method for evaluating trust, device and the electronic equipment of Payment Card |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104200152A (en) * | 2003-09-12 | 2014-12-10 | Emc公司 | System and method for risk based authentication |
| CN106529952A (en) * | 2015-09-09 | 2017-03-22 | 腾讯科技（深圳）有限公司 | Verification realizing method and system in data transfer |
| CN108399543A (en) * | 2018-01-23 | 2018-08-14 | 阿里巴巴集团控股有限公司 | Binding method, method for evaluating trust, device and the electronic equipment of Payment Card |
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