CN111915317A

CN111915317A - Payment processing method, device and system

Info

Publication number: CN111915317A
Application number: CN202010900291.5A
Authority: CN
Inventors: 马连杰; 葛菊萍; 李凯明
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2020-08-31
Filing date: 2020-08-31
Publication date: 2020-11-10
Anticipated expiration: 2040-08-31
Also published as: CN111915317B; CN116681445A

Abstract

The embodiment of the specification provides a payment processing method, a device and a system, and when the method is applied to a wind control server, the method comprises the following steps: receiving payment information sent by a payment service party, wherein the payment information is determined by the payment service party when the payment service party receives a payment request initiated by a first user; under the condition that the payment request is determined to be normal, determining whether to carry out forced wind control on the payment request or not based on the payment information and a forced wind control rule preset by a second user so as to strengthen risk control on the payment request; determining a forced wind control strategy for the payment request under the condition of determining that the forced wind control is carried out on the payment request; and sending the forced wind control strategy to the payment service party, and processing the payment request by the payment service party based on the forced wind control strategy.

Description

Payment processing method, device and system

Technical Field

The present invention relates to the field of internet technologies, and in particular, to a payment processing method, device, and system.

Background

At present, in various payment scenarios, more and more users use payment applications to pay, for example, in payment scenarios such as online shopping and online transactions, users can use payment applications to pay. The use of payment applications brings great convenience to people's daily life.

Generally, in order to improve convenience, a user may allow other users (such as children or elders of the user) to pay by using their own payment application, however, when the other users pay by using the user's payment application, abnormal payment or improper payment may occur, which may cause great property loss to the user, and an effective solution to the above problem is still lacking.

Disclosure of Invention

The embodiment of the specification provides a payment processing method, a payment processing device and a payment processing system, which are used for solving the problem that abnormal or improper payment of other users cannot be effectively avoided under the condition that the other users use payment applications of the users for payment at present.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

in a first aspect, a payment processing method is provided, which is applied to a wind-controlled service provider, and includes:

receiving payment information sent by a payment service party, wherein the payment information is determined by the payment service party when the payment service party receives a payment request initiated by a first user;

under the condition that the payment request is determined to be normal, determining whether to carry out forced wind control on the payment request or not based on the payment information and a forced wind control rule preset by a second user so as to strengthen risk control on the payment request;

determining a forced wind control strategy for the payment request under the condition of determining that the forced wind control is carried out on the payment request;

and sending the forced wind control strategy to the payment service party, and processing the payment request by the payment service party based on the forced wind control strategy.

In a second aspect, a payment processing apparatus is provided, which is applied to a wind-controlled service provider, and includes:

the payment server comprises a receiving unit, a payment processing unit and a payment processing unit, wherein the receiving unit is used for receiving payment information sent by a payment server, and the payment information is determined by the payment server when receiving a payment request initiated by a first user;

the judging unit is used for determining whether to carry out forced wind control on the payment request based on the payment information and a forced wind control rule preset by a second user so as to strengthen the risk control on the payment request under the condition that the payment request is determined to be normal;

the determining unit is used for determining a forced wind control strategy for the payment request under the condition that forced wind control is determined for the payment request;

and the sending unit is used for sending the forced wind control strategy to the payment server and processing the payment request by the payment server based on the forced wind control strategy.

In a third aspect, an electronic device is provided, which is applied to a wind-control service provider, and includes:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

In a fourth aspect, a computer-readable storage medium is provided for a wind-controlled service, the computer-readable storage medium storing one or more programs which, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the following method:

In a fifth aspect, a payment processing method is provided, which is applied to a payment service side, and includes:

determining payment information corresponding to a payment request based on the payment request initiated by a first user;

sending the payment information to a wind control server, and determining whether to carry out forced wind control on the payment request or not by the wind control server based on the payment information and a forced wind control rule preset by a second user under the condition that the payment request is determined to be normal so as to strengthen risk control on the payment request;

receiving a forced wind control strategy returned by the wind control service party, wherein the forced wind control strategy is determined by the wind control service party under the condition of determining to perform forced wind control on the payment request;

and processing the payment request based on the mandatory wind control strategy.

In a sixth aspect, a payment processing apparatus is provided, which is applied to a payment service side, and includes:

the payment processing device comprises a determining unit, a payment processing unit and a payment processing unit, wherein the determining unit is used for determining payment information corresponding to a payment request based on the payment request initiated by a first user;

the sending unit is used for sending the payment information to a wind control server, and the wind control server determines whether to carry out forced wind control on the payment request or not based on the payment information and a forced wind control rule preset by a second user under the condition that the payment request is determined to be normal so as to strengthen risk control on the payment request;

the processing unit is used for receiving a forced wind control strategy returned by the wind control service party, wherein the forced wind control strategy is determined by the wind control service party under the condition of determining to perform forced wind control on the payment request;

and the processing unit is used for processing the payment request based on the forced wind control strategy.

In a seventh aspect, an electronic device is provided, which is applied to a payment service provider, and includes:

a processor; and

In an eighth aspect, a computer-readable storage medium is provided for a payment service, the computer-readable storage medium storing one or more programs which, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the following method:

In a ninth aspect, a payment processing system is provided, which includes a payment server and a wind control server, wherein:

the payment server side determines payment information corresponding to a payment request based on the payment request initiated by a first user; sending the payment information to the wind control service party;

the wind control server determines whether to carry out forced wind control on the payment request based on the payment information and a forced wind control rule preset by a second user in advance under the condition that the payment request is determined to be normal so as to strengthen risk control on the payment request; determining a forced wind control strategy for the payment request under the condition of determining that the forced wind control is carried out on the payment request; sending the mandatory wind control means strategy to the payment service party;

and the payment server side processes the payment request based on the mandatory wind control strategy.

At least one technical scheme adopted by one or more embodiments of the specification can achieve the following technical effects: the method comprises the steps that a user can preset a forced wind control rule according to actual requirements, after other users use payment applications of the user to initiate payment requests, a payment server can send corresponding payment information to the wind control server, the wind control server can judge whether to strengthen risk control on the payment requests according to the forced wind control rule preset by the user, and under the condition that the risk control needs to be strengthened, a corresponding forced wind control strategy is determined and sent to the payment server, so that the payment server can process the payment requests based on the forced wind control strategy. Therefore, when other users use the payment application of the user to pay, once the forced wind control rule preset by the user is met, abnormal or improper payment of other users can be avoided through a mode of strengthening wind control, the payment safety is further improved, and meanwhile, the convenience of the user in paying the application for other users cannot be reduced.

In addition, the forced wind control rule can be set by a user, namely the setting initiative is controlled by the user, so that the user can flexibly select to set or not set the forced wind control rule according to actual requirements, and the normal use of the payment application by the user is not influenced.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the embodiments of the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative efforts.

FIG. 1 is a schematic diagram of an exemplary system architecture provided by an embodiment of the present disclosure;

FIG. 2 is a flow diagram of a payment processing method according to one embodiment of the present description;

FIG. 3 is a flow diagram of a payment processing method according to one embodiment of the present description;

FIG. 4 is a flow diagram of a payment processing method according to one embodiment of the present description;

FIG. 5 is a flow diagram of a payment processing method according to one embodiment of the present description;

FIG. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present description;

FIG. 7 is a schematic diagram of the structure of a payment processing apparatus according to one embodiment of the present disclosure;

FIG. 8 is a schematic structural diagram of an electronic device according to one embodiment of the present description;

FIG. 9 is a schematic diagram of the structure of a payment processing apparatus according to one embodiment of the present disclosure;

fig. 10 is a schematic structural diagram of a payment processing system according to an embodiment of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the embodiments of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person skilled in the art without making creative efforts based on the embodiments in the present description shall fall within the protection scope of this document.

At present, in order to improve the convenience of using the payment application, a user usually allows other users to use the payment application of the user for payment, for example, a child, a parent, a friend or the like of the user may be allowed to use the payment application of the user for payment. However, when other users pay using the user's payment application, abnormal or improper payment may occur, for example, in a typical application scenario, an underage user uses a parent's payment application to perform game recharge, reward a main broadcaster or purchase a large amount of luxury goods, and such abnormal or improper payment will bring great property loss to the user himself, and also reduce the experience of the user in sharing the payment application to other users.

Generally, in order to avoid the above situation, after receiving a payment request from a user, a payment service side performs multiple authentication on the user, that is, the user needs to input different authentication information for multiple times to perform authentication, so as to ensure payment security. However, this method may add an authentication step, so that the operation of the user is complicated, and the user may be disturbed under the condition that the user does not need to perform multiple authentication (for example, the amount of money the user needs to pay is small), and meanwhile, the convenience of the user sharing his/her payment application to other users is also reduced.

In order to solve the above technical problem, embodiments of the present specification provide a payment processing method, an apparatus, and a system, which may allow a user to preset a mandatory wind control rule according to actual requirements, and when other users use payment applications of the user to perform payment, once the mandatory wind control rule preset by the user is satisfied, abnormal or improper payment by the other users may be avoided in a manner of enhancing wind control, so as to improve payment security, and at the same time, the convenience of the user in applying payment to the other users may not be reduced. In addition, the forced wind control rule can be set by a user, namely the setting initiative is controlled by the user, so that the user can flexibly select to set or not set the forced wind control rule according to actual requirements, and the normal use of the payment application by the user is not influenced.

It should be noted that, in addition to the scenario in which the user shares the payment application of the user with another user for use, the applicable scenario in the embodiment of the present specification may also be used in other scenarios in which payment security needs to be prompted by performing forced wind control on payment, for example, when an illegal user uses the payment application of the user to pay after the payment account number, password, and the like of the user are stolen by the illegal user, once the payment behavior of the illegal user meets the forced wind control rule set in advance, the illegal user may also be prevented from performing improper payment in a forced wind control manner, so as to avoid property loss of the user.

A possible application scenario of the technical solution provided in the embodiment of the present specification is described below with reference to fig. 1.

As shown in fig. 1, a system architecture provided in the embodiment of the present specification includes: the terminal device 11, the payment service side 12 and the air control service side 13 can be connected through a network between the terminal device 11 and the payment service side 12 for data interaction, and the payment service side 12 and the air control service side 13 can also be connected through a network for data interaction.

The terminal device 11 may be a terminal device capable of installing a payment application, the payment server 12 may be understood as a server corresponding to the payment application, and the wind-control server 13 may be understood as a server for risk control of the payment request. In this embodiment of the present specification, a user may initiate a payment request to a payment service provider 12 by using a payment application installed in a terminal device 11, after receiving the payment request, the payment service provider 12 sends payment information corresponding to the payment request to a wind control service provider 13, and the wind control service provider 13 may perform conventional wind control based on the payment information, and further determine whether to perform forced wind control on the payment request when determining that the payment request is normal under the conventional wind control condition, so as to avoid abnormal or improper payment by the user, and further improve payment security.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

Fig. 2 is a schematic flowchart of a payment processing method according to an embodiment of the present disclosure, where an execution subject of the embodiment is the wind-controlled service provider 13 shown in fig. 1, and specifically includes the following steps.

S202: and receiving payment information sent by a payment service party, wherein the payment information is determined by the payment service party when the payment service party receives a payment request initiated by a first user.

In S202, the second user may allow the first user to use the payment application of the second user to make a payment, and the first user may initiate a payment request to the payment service provider when needing to make a payment in the process of using the payment application of the second user, and after receiving the payment request, the payment service provider may determine payment information corresponding to the payment request and send the payment information to the wind-controlled service provider, where the wind-controlled service provider may receive the payment information.

It should be understood that, in an implementation manner, the first user may also be the second user himself, and for convenience of understanding the technical solution provided in this embodiment, the first user may be exemplified as not being the second user himself.

In this embodiment, the payment information may include a plurality of pieces of information related to payment and device information of a terminal device used by the first user, where the plurality of pieces of information related to payment may include account information of a payment application used by the first user (that is, account information of the second user), a service scenario related to the payment request, an amount to be paid, payee information, a payment method, and the like, and the device information of the terminal device used by the first user may include a device identifier of the terminal device, network information connected to the terminal device, geographical location information obtained by positioning the terminal device, and the like.

After receiving the payment information, the wind control service part may preferably perform conventional wind control on the payment request based on the payment information, where the conventional wind control may be understood as general wind control performed on the payment request in the prior art, so as to determine whether the payment request is a normal payment request.

For example, whether the second user is a blacklist user or not may be determined based on account information included in the payment information, if yes, the payment request may be considered to be abnormal, and if not, the payment request may be considered to be normal; for another example, it may be determined whether the terminal device used by the first user is a legal device based on the device information included in the payment information, and if so, the payment request may be considered to be abnormal, and if not, the payment request may be considered to be normal.

It should be understood that, in practical applications, the above blacklist determination and the terminal device validity determination may be combined to perform conventional wind control, or other determination conditions may be adopted to perform conventional wind control, which is not illustrated here.

After the wind control server performs conventional wind control, if it is determined that the payment request initiated by the first user is a normal payment request, S204 may be performed to further determine whether forced wind control needs to be performed on the payment request; if the payment request initiated by the first user is determined to be an abnormal payment request, the prompt message of the payment request abnormality can be returned to the payment server side, so that the payment server side can intercept the payment request, and the prompt message of the payment failure is returned to the first user, so that the payment security is ensured. The present embodiment may be described by taking a payment request as a normal payment request as an example.

S204: and under the condition that the payment request is determined to be normal, determining whether to carry out forced wind control on the payment request or not based on the payment information and a forced wind control rule preset by a second user so as to strengthen the risk control on the payment request.

In S204, the mandatory wind control rule may be preset by the second user according to actual requirements, and specifically may include multiple rules, where the multiple rules may specifically be at least two of a specified service scenario, a specified amount of money, and a specified payment method, that is, the second user may set at least two of the specified service scenario, the specified amount of money, and the specified payment method that need to be enforced wind controlled according to actual requirements, so as to obtain the mandatory wind control rule.

The designated service scenario may be understood as a service scenario in which the occurrence probability of abnormal payment or improper payment is greater than or equal to a set probability, for example, a game recharging scenario, a bonus main play scenario, and the like.

The specified amount may be a specified amount in all service scenarios, that is, in any service scenario, forced wind control is required once the payment amount reaches the specified amount, or the specified amount in the specified service scenario, that is, in the specified service scenario, forced wind control is required once the payment amount reaches the specified amount, and optionally, in the case that the number of the specified service scenarios is multiple, different specified service scenarios may correspond to different specified amounts.

The specified payment method may be a payment method in any service scenario, that is, in any service scenario, if the payment method is the specified payment method, forced wind control needs to be performed, and of course, the specified payment method may also be a payment method in the specified service scenario, that is, in the specified service scenario, if the payment method is the specified payment method, forced wind control needs to be performed, and the specified payment method may also be a payment method in a specified amount, that is, in the case that the payment amount reaches the specified amount, if the payment method is the specified payment method, forced wind control needs to be performed.

It should be understood that in other implementations, the mandatory wind control rule may include, in addition to at least two of the specified service scenario, the specified amount and the specified payment method, other rules, for example, the number of times of payment in one day is greater than or equal to the set number of times, or the number of times of payment to the same account in one day is greater than or equal to the set number of times, and the like, which may be specifically set according to actual requirements, and is not specifically limited herein.

In this embodiment, after the second user sets the forced wind control rule, information for performing identity authentication under the condition of forced wind control may also be set, for example, a payment password and biometric information of the second user, where the payment password is different from the payment password, and other users do not know the payment password, and the biometric information may be face information or fingerprint information, and other users cannot acquire the biometric information of the second user. The second user can set different verification information according to different wind control levels, and the higher the wind control level is, the more corresponding verification information is.

After the second user sets the forced wind control rule and the verification information, the forced wind control rule and the verification information can be sent to the payment server and forwarded to the wind control server by the payment server, and the wind control server can store the forced wind control rule and the verification information set by the second user so as to perform forced wind control when a payment request initiated based on an account of the second user is received.

In this embodiment, in order to facilitate the second user to set the mandatory wind control rule and the verification information, the payment service provider may provide a setting interface in the payment application, and the second user may set the mandatory wind control rule and the verification information in the interface. For example, candidate boxes of a service scene may be provided in the interface, and the second user may select, through the candidate boxes, a service scene that needs to be forcibly programmed as the specified service scene, and similarly, the interface may also provide candidate boxes of a payment method and a payment amount, and based on the candidate boxes, the second user may select the payment method and the payment amount that need to be forcibly programmed as the specified payment method and the specified amount. In addition, input boxes for a payment password and biometric information may be provided in the interface for the second user to enter the payment password and biometric information.

It should be noted that, in order to avoid other users from viewing or modifying the forced air control rule and the verification information set in the interface by the second user, it may be specified that the user needs to perform face recognition or other biometric information recognition before entering the interface, and the user is allowed to enter the interface only when the recognition is passed, so that other users except the user himself can be prevented from entering the interface, and it is ensured that the forced air control rule and the verification information set by the user himself cannot be viewed or modified by other users. In addition, after the second user sets the forced wind control rule and the verification information, in the subsequent use process, the second user can also adjust the previously set forced wind control rule and the verification information according to the actual requirements, or cancel the setting of the forced wind control rule and the verification information.

In this embodiment, when the wind control server determines whether to perform forced wind control on the payment request based on the payment information and a forced wind control rule preset by the second user, specifically, the payment information and the forced wind control rule may be matched, if the matching is successful, that is, the payment information hits at least one rule in the forced wind control rule, the payment request may be determined to be subjected to forced wind control, and if the matching is failed, that is, the payment information does not hit any one or more rules in the forced wind control rule, the payment request may be determined not to be subjected to forced wind control.

The method includes the steps of executing S206 when determining that the payment request is subjected to forced wind control, processing the payment request according to a conventional wind control means when determining that the payment request is not subjected to forced wind control, specifically, sending, by the wind control server, prompt information for performing authentication based on a payment password to the payment server, prompting a first user to input the payment password after the payment server receives the prompt information, determining that the first user passes authentication and performs payment processing on the payment request if the first user inputs a correct payment password, and determining that the first user fails authentication and returning prompt information for failing payment if the first user inputs an incorrect payment password.

S206: and determining a forced wind control strategy for the payment request under the condition of determining that the payment request is forced wind controlled.

In S206, in the case that the wind control service determines to perform forced wind control on the payment request, the wind control service may determine a forced wind control policy for performing forced wind control, so as to perform forced wind control on the payment request based on the forced wind control policy.

When determining the forced wind control strategy for the payment request, determining a wind control level for performing forced wind control on the payment request based on the payment information and the forced wind control rule, and after determining the wind control level, determining the forced wind control strategy for the payment request based on the wind control level, wherein different forced wind control strategies can be determined by different wind control levels.

In this embodiment, as described above, the payment information may include a plurality of pieces of information related to payment, and the forced wind control rule may include a plurality of pieces of rules, so that when determining the wind control level based on the payment information and the forced wind control rule, the wind control level may be determined based on the matching degree between the payment information and the forced wind control rule, where the higher the matching degree is, the higher the wind control level is.

The matching degree can be understood as the number of rules hit by the payment information when the plurality of information in the payment information is matched with the plurality of rules in the forced wind control rule, wherein the more the number of rules hit by the payment information is, the higher the matching degree is, and accordingly, the higher the wind control level is.

In an implementation manner, the matching degree may be directly used as a wind control level, for example, if the number of rules hit by the payment information is 1, it may be determined that the wind control level is a low risk, if the number of rules hit by the payment information is greater than 1 and less than the total number of rules, it may be determined that the wind control level is a high risk, and if all the payment information hits multiple rules in the mandatory wind control rule, it may be determined that the wind control level is an ultrahigh risk or that the risk exceeds the standard.

In another implementation, the wind control level may be determined by combining the matching degree and the conventional wind control performed by the wind control server in S202, specifically:

first, the forced air control score may be determined based on the above matching degree.

In this embodiment, the higher the matching degree is, the higher the corresponding forced wind control score is, and when determining the forced wind control score based on the matching degree, there are various implementation manners, for example, each time payment information hits one rule in the forced wind control rules, the forced wind control score may be added by 1, and for example, the matching degree and the forced wind control score may be mapped in advance, and after obtaining the matching degree, the corresponding forced wind control score may be determined according to a predetermined mapping relationship, which is not illustrated here.

And secondly, acquiring a conventional wind control score corresponding to the payment request.

The conventional wind control score may be obtained when the wind control service provider determines that the payment request is normal in S202, and the specific implementation manner may refer to a technical means adopted in the prior art when performing conventional wind control on the payment request, which is not described in detail herein.

Finally, in the case of obtaining the forced wind control score and the regular wind control score, the wind control level for performing forced wind control on the payment request can be determined based on the two wind control scores.

When determining the wind control level based on the forced wind control score and the conventional wind control score, the sum of the two wind control scores may be used as the final wind control score to further determine the wind control level, for example, score intervals corresponding to different wind control grades may be preset, and after the final wind control score is obtained, the wind control level may be determined based on the score interval in which the wind control wind is seated.

In addition, when the wind control level is determined based on the forced wind control score and the conventional wind control score, a first weight corresponding to the forced wind control score and a second weight corresponding to the conventional wind control score can be set, the forced wind control score and the conventional wind control score are subjected to weighted summation based on the first weight and the second weight, and a result obtained by the weighted summation is used as a final wind control score, so that the corresponding wind control level is determined. The first weight and the second weight are constants and can be adjusted according to actual service conditions.

The determined wind control levels in this embodiment may include low risk, high risk, and excessive risk, and certainly, the wind control levels may be divided into more levels, and the three wind control levels of low risk, high risk, and excessive risk may be taken as an example for description.

Determining a forced wind control strategy for the payment request based on the wind control level under the condition that the wind control level includes low risk, high risk and overproof risk, which specifically includes:

if the wind control level is low risk, it may be determined that the forced wind control policy is to perform identity authentication based on a payment password and a payment password, where the payment password is preset by the second user and is different from the payment password, which may specifically refer to corresponding contents recorded in the above S204, and a description thereof is not repeated;

if the wind control level is high risk, determining that the forced wind control strategy is to perform identity authentication based on the payment password, the payment password and the biological characteristic information of the second user;

if the wind control level is that the risk exceeds the standard, the forced wind control strategy can be determined to be prompt information of payment failure, namely, the payment request is refused to be responded under the condition that the risk exceeds the standard.

After obtaining the forced wind control policy, the wind control service may execute S208.

S208: and sending the forced wind control strategy to the payment service party, and processing the payment request by the payment service party based on the forced wind control strategy.

In S208, after the wind control service party issues the mandatory wind control policy to the payment service party, the payment service party may prompt the first user to input corresponding verification information for identity verification based on the mandatory wind control policy, and further process the payment request, where a specific implementation manner may refer to steps executed by the payment service party in the embodiment shown in fig. 4, and is not described in detail herein.

For easy understanding of the technical solution provided by the embodiment shown in fig. 2, refer to fig. 3. Fig. 3 is a schematic flowchart of a payment processing method according to an embodiment of the present specification, where an execution subject of the method is the branch wind control service party shown in fig. 2, and the method may specifically include the following steps:

s301: and receiving payment information sent by the payment service party.

The payment information is determined by the payment service upon receiving a payment request initiated by the first user, which may be a payment request initiated by the first user using a payment application of the second user.

S302: and determining whether the payment request corresponding to the payment information is normal.

Here, the payment request is subjected to conventional wind control, and under the condition of conventional wind control, if the payment request is determined to be normal, S303 is executed; otherwise, S310 is performed.

S303: and determining whether the payment information is matched with the forced air control rule.

The mandatory wind control rule is preset by the second user, and if the payment information is matched with the mandatory wind control rule, S304 is executed; if not, S309 is executed.

S304: and determining forced wind control points based on the payment information and the forced wind control rules.

The forced wind control score can be determined based on the payment information, the forced wind control rule and the matching degree, and the higher the matching degree is, the higher the forced wind control score is.

S305: and acquiring a conventional wind control score corresponding to the payment request.

The conventional wind control score is determined by the wind control service part under the condition that the payment request is determined to be normal.

S306: and determining the wind control grade for carrying out forced wind control on the payment request based on the forced wind control score and the conventional wind control score.

The forced wind control level of the payment request may be determined by combining the respective weights of the forced wind control score and the conventional wind control score, and a specific implementation manner may refer to a specific implementation of corresponding steps in the embodiment shown in fig. 2, which is not described in detail here.

It should be noted that, instead of determining the forced wind control level for performing forced wind control on the payment request based on the matching degree between the payment information and the forced wind control rule, the above-mentioned S304 to S306 may be implemented.

S307: and determining a forced wind control strategy for the payment request based on the wind control level.

S308: and sending the forced wind control strategy to a payment service party.

After receiving the forced wind control strategy, the payment server can prompt the first user to input corresponding verification information for identity verification based on the forced wind control strategy, and then processes the payment request.

S309: and sending prompt information for identity verification based on the payment password to the payment server.

After receiving the prompt message, the payment service party may prompt the first user to input a payment password based on the prompt message, and further process the payment request.

S310: and sending prompt information of payment request abnormity to the payment server.

The payment server side can return prompt information of payment failure to the first user when receiving prompt information of payment request abnormity.

Specific implementation of S301 to S310 can refer to specific implementation of each step in the embodiment shown in fig. 2, and will not be described in detail here.

Fig. 4 is a flowchart illustrating a payment processing method according to an embodiment of the present disclosure. The execution subject of the embodiment is the payment service party shown in fig. 1, and specifically includes the following steps.

S402: determining payment information corresponding to a payment request based on the payment request initiated by a first user.

In S402, the first user may initiate a payment request to the payment service using the payment application of the second user, and the payment service may determine corresponding payment information based on the payment request in case of receiving the payment request.

In this embodiment, the payment information may include a plurality of pieces of information related to payment and device information of the terminal device used by the first user, and specifically, refer to the detailed description of the payment information in the embodiment shown in fig. 2, which is not described repeatedly here.

S404: and sending the payment information to a wind control server, and determining whether to carry out forced wind control on the payment request or not based on the payment information and the forced wind control rule preset by a second user under the condition that the wind control server determines that the payment request is normal so as to strengthen the risk control on the payment request.

In S404, the payment server may send the payment information to the wind-controlled server so that the wind-controlled server can wind control the payment request.

In this embodiment, after receiving the payment information, the wind control service provider may perform conventional wind control on the payment request based on the payment information, and determine whether the payment request is a normal payment request, and if so, may further determine whether to perform forced wind control on the payment request based on the payment information and a forced wind control rule preset by the second user. The specific implementation manner can refer to the specific implementation of the corresponding steps in the embodiment shown in fig. 2, and the description is not repeated here.

The forced wind control rule can be sent to the payment server by the second user after the second user completes the setting, the payment server can send the forced wind control rule to the wind control server so that the wind control server can store the forced wind control rule, in addition, the second user can also preset verification information for identity verification under the condition of forced wind control and send the verification information to the payment server, and the payment server can also send the verification information to the wind control server after receiving the verification information so that the wind control server can store the verification information. The specific implementation manner can refer to the specific implementation of the corresponding steps in the embodiment shown in fig. 2, and the description is not repeated here.

Optionally, when the wind control server performs conventional wind control, in a case that it is determined that the payment request is abnormal, the wind control server may send a prompt message indicating that the payment request is abnormal to the payment server, and after receiving the prompt message, the payment server may send a prompt message indicating that the payment has failed to the first user.

Under the condition that the wind control service party determines that the payment request is normal, if it is determined that forced wind control needs to be performed on the payment request based on the method described in the embodiment shown in fig. 2, a forced wind control policy on the payment request can be further determined, and the forced wind control policy is sent to the payment service party, where the payment service party can execute S406; if the wind control service party determines not to perform forced wind control on the payment request, prompt information for prompting identity authentication based on the payment password can be returned to the payment service party, the payment service party can prompt the first user to input the payment password after receiving the prompt information, and payment processing is performed on the payment request after the first user passes the identity authentication based on the payment password.

S406: and receiving a forced wind control strategy returned by the wind control service party, wherein the forced wind control strategy is determined by the wind control service party under the condition of determining to perform forced wind control on the payment request.

In S406, in the case that the wind-controlled service party determines to perform forced wind control on the payment request, the payment service party may receive a forced wind-controlled policy returned by the wind-controlled service party.

In this embodiment, the forced wind control policy may be determined and obtained by the wind control service provider based on a wind control level of the forced wind control, preferably, the wind control level may include a low risk, a high risk, and an overproof risk, and specifically, reference may be made to detailed description of the wind control level in the embodiment shown in fig. 2, and a description thereof is not repeated here.

Under the condition that the wind control levels are different, the payment service party can receive different forced wind control strategies, specifically, if the wind control levels are low risk, the forced wind control strategies are identity verification based on a payment password and a payment password for forced wind control preset by a second user, and the payment password is different from the payment password; if the wind control level is high risk, the wind control strategy is forced to perform identity authentication based on the payment password, the payment password and the biological characteristic information of the second user; and if the wind control level is that the risk exceeds the standard, the wind control strategy is forced to be the prompt information of the payment failure. Reference may be made in particular to the detailed description of the forced air control strategy in the embodiment shown in fig. 2, and the description is not repeated here.

S408: and processing the payment request based on the mandatory wind control strategy.

In S408, when the payment service side processes the payment request based on the mandatory wind control policy, different processing manners may be adopted for different mandatory wind control policies.

Specifically, under the condition that the forced wind control strategy is identity authentication based on a payment password and a payment password, the first user can be prompted to input the payment password and the payment password, if the first user inputs the correct payment password and the correct payment password, the first user can be determined to pass the identity authentication, and at the moment, the payment request can be paid; otherwise, returning a prompt message of payment failure.

When the forced wind control strategy is to perform identity authentication based on the payment password, the payment password and the biological characteristic information of the second user, the first user can be prompted to input the payment password, the payment password and the biological characteristic information of the second user, if the first user inputs the correct payment password, the payment password and the biological characteristic information, the identity authentication of the first user can be determined to be passed, and at the moment, the payment request can be subjected to payment processing; otherwise, returning a prompt message of payment failure.

And under the condition that the forced wind control strategy is the prompt message of payment failure returned, the prompt message of payment failure can be sent to the first user.

It should be noted that, when performing the identity authentication based on the authentication information input by the first user, the payment server may send the authentication information input by the first user to the wind control server, perform the identity authentication based on the authentication information set by the second user and stored in advance by the wind control server, and return the authentication result to the payment server, or when sending the forced wind control policy to the payment server, the wind control server may send the corresponding authentication information to the payment server at the same time, and perform the identity authentication based on the authentication information issued by the wind control server by the payment server.

For a clearer understanding of the technical solutions provided by the embodiments of the present disclosure, refer to fig. 5. Fig. 5 is a schematic flowchart of a payment processing method according to an embodiment of the present specification, which specifically includes the following steps:

s501: the first user initiates a payment request to a payment facilitator.

The payment request may be a payment request initiated by the first user using a payment application of the second user.

S502: the payment facilitator determines payment information based on the payment request.

S503: and the payment server sends the payment information to the wind control server.

S504: and under the condition that the wind control service party determines that the payment request is normal, determining whether to carry out forced wind control on the payment request based on the payment information and a forced wind control rule preset by the second user.

If it is determined that forced wind control of the payment request is not required, S505 may be performed; if it is determined that forced ventilation of the payment request is required, S507 may be performed.

Optionally, the wind-control server may further send a prompt message of the payment request abnormality to the payment server in a case that the payment request is determined to be abnormal, and the payment server may send a prompt message of the payment failure to the first user after receiving the prompt message (this part is not shown in fig. 5).

S505: and the wind control server sends prompt information for identity verification based on the payment password to the payment server.

S506: the payment facilitator prompts the first user to enter a payment password.

After the first user inputs the payment password, the payment service side may authenticate the first user based on the payment password, and if the authentication is passed, perform payment processing on the payment request, otherwise, return a prompt message indicating that the payment has failed (this part is not shown in fig. 5).

S507: and the wind control server determines the wind control level for performing forced wind control on the payment request based on the payment information and the forced wind control rule.

The specific implementation manner can refer to the specific implementation of the corresponding steps in the embodiment shown in fig. 2, and the description is not repeated here.

S508: and the wind control server determines a forced wind control strategy for the payment request based on the wind control grade.

The wind control level can comprise low risk, high risk and overproof risk, if the wind control level is low risk, the forced wind control strategy is to perform identity verification based on the payment password and a payment password for forced wind control preset by the second user; if the wind control level is high risk, the wind control strategy is forced to perform identity authentication based on the payment password, the payment password and the biological characteristic information of the second user; and if the wind control level is that the risk exceeds the standard, determining that the forced wind control strategy is a prompt message for returning payment failure.

S509: and the wind control server sends the forced wind control strategy to the payment server.

S510: and the payment server sends prompt information to the first user based on the forced wind control strategy.

Specifically, in the case that the forced wind control policy is authentication based on a payment password and a payment password, the first user may be prompted to input the payment password and the payment password; under the condition that the forced wind control strategy is identity verification based on the payment password, the payment password and the biological characteristic information of the second user, prompting the first user to input the payment password, the payment password and the biological characteristic information of the second user; and under the condition that the forced wind control strategy is the prompt message of payment failure returned, the prompt message of payment failure can be sent to the first user.

S511: the first user sends verification information to the payment facilitator based on the prompt.

The step is performed on the premise that the prompt message received by the first user prompts the first user to input the verification message.

S512: the payment server processes the payment request based on the authentication information input by the user.

Specific implementation of S501 to S512 can refer to specific implementation of corresponding steps in the embodiments shown in fig. 2 and fig. 4, and description is not repeated here.

In the technical solutions provided in one or more embodiments of the present specification, a user may preset a forced wind control rule according to an actual requirement, when another user initiates a payment request using a payment application of the user, a payment service side may send corresponding payment information to the wind control service side, and the wind control service side may judge whether to enhance risk control on the payment request according to the forced wind control rule preset by the user, and determine a corresponding forced wind control policy and issue the policy to the payment service side in a case where it is determined that the risk control needs to be enhanced, so that the payment service side may process the payment request based on the forced wind control policy. Therefore, when other users use the payment application of the user to pay, once the forced wind control rule preset by the user is met, abnormal or improper payment of other users can be avoided through a mode of strengthening wind control, the payment safety is further improved, and meanwhile, the convenience of the user in paying the application for other users cannot be reduced.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Referring to fig. 6, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 6, but that does not indicate only one bus or one type of bus.

And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs, and forms the payment processing device on a logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

The method performed by the payment processing apparatus disclosed in the embodiment of fig. 6 in the present specification can be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

The electronic device may further execute the methods of fig. 2 and fig. 3, and implement the functions of the payment processing apparatus in the embodiments shown in fig. 2 and fig. 3, which are not described herein again in this specification.

Of course, besides the software implementation, the electronic device of the embodiment of the present disclosure does not exclude other implementations, such as a logic device or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or a logic device.

Embodiments of the present specification also propose a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, are capable of causing the portable electronic device to perform the method of the embodiments shown in fig. 2 and 3, and in particular to perform the following:

Fig. 7 is a schematic structural diagram of a payment processing apparatus 70 according to an embodiment of the present disclosure. Referring to fig. 7, in one software implementation, the payment processing apparatus 70 may include: a receiving unit 71, a judging unit 72, a determining unit 73, and a transmitting unit 74, wherein:

the receiving unit 71 is configured to receive payment information sent by a payment service party, where the payment information is determined by the payment service party when receiving a payment request initiated by a first user;

a judging unit 72, which determines whether to perform forced wind control on the payment request based on the payment information and a forced wind control rule preset by a second user in advance to strengthen the risk control on the payment request under the condition that the payment request is determined to be normal;

a determining unit 73, configured to determine a forced wind control policy for the payment request when determining that the payment request is forced wind controlled;

the sending unit 74 sends the mandatory wind control policy to the payment server, and the payment server processes the payment request based on the mandatory wind control policy.

Optionally, the determining unit 72 determines whether to perform forced wind control on the payment request based on the payment information and a forced wind control rule set by a second user in advance, where the determining includes:

matching the payment information with the forced wind control rule;

if the matching is successful, determining to carry out forced wind control on the payment request;

and if the matching fails, determining not to perform forced wind control on the payment request.

Optionally, the determining unit 73 determines a mandatory wind policy for the payment request, including:

determining a forced wind control level for performing forced wind control on the payment request based on the payment information and the forced wind control rule;

and determining a forced wind control strategy for the payment request based on the wind control grades, wherein different wind control grades correspond to different forced wind control strategies.

Optionally, the payment information includes a plurality of pieces of information related to payment, and the mandatory wind control rule includes a plurality of rules;

the determining unit 73 determines, based on the payment information and the mandatory wind control rule, a wind control level for performing mandatory wind control on the payment request, including:

and determining the forced wind control level of the payment request based on the matching degree of the payment information and the forced wind control rule.

Optionally, the determining unit 73 determines, based on the payment information and the mandatory wind control rule, a wind control level for performing mandatory wind control on the payment request, and further includes:

determining a forced wind control score based on the matching degree of the payment information and the forced wind control rule;

acquiring a conventional wind control score corresponding to the payment request, wherein the conventional wind control score is determined by the wind control service party under the condition that the payment request is determined to be normal;

and determining a forced wind control grade for performing forced wind control on the payment request based on the forced wind control score and the conventional wind control score.

Optionally, the payment information includes a service scenario, an amount to be paid, payee information, and a payment method related to the payment request, and the mandatory wind control rule includes at least two of a specified service scenario, a specified amount, and a specified payment method.

Optionally, the wind control levels comprise low risk, high risk and overproof risk;

wherein the determining unit 73 determines, based on the wind control level, a mandatory wind control policy for the payment request, including:

if the wind control level is low risk, determining that the forced wind control strategy is to perform identity authentication based on a payment password and a payment password preset by the second user, wherein the payment password is different from the payment password;

if the wind control level is high risk, determining that the forced wind control strategy is to perform identity verification based on the payment password, the payment password and the biological feature information of the second user;

and if the wind control level is that the risk exceeds the standard, determining that the forced wind control strategy is prompt information of payment failure return.

Optionally, the receiving unit 71 receives, before receiving the payment information sent by the payment service, the mandatory wind control rule sent by the payment service and verification information for performing identity verification in case of mandatory wind control, where the mandatory wind control rule and the verification are set by the second user in a payment application;

and storing the forced wind control rule and the verification information.

Optionally, the payment information includes device information of a terminal device used by the user and account information of the user;

after the receiving unit 71 receives the payment information sent by the payment service provider, the determining unit 72 determines whether the payment request is normal based on the device information and the account information;

if the payment request is normal, determining whether to carry out forced wind control on the payment request based on the payment information and the forced wind control rule;

if the payment request is abnormal, sending prompt information of the payment request abnormality to the payment server side, and returning prompt information of payment failure by the payment server side.

Optionally, in a case that the determining unit 72 determines that the payment request is not forced to be ventilated, the sending unit 74 sends prompt information for performing identity verification based on a payment password to the payment server, and the payment server processes the payment request based on the prompt information.

The payment processing apparatus 70 provided in the embodiment of this specification may also execute the methods in fig. 2 and fig. 3, and implement the functions of the payment processing apparatus in the embodiments shown in fig. 2 and fig. 3, which are not described herein again in this specification.

Fig. 8 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Referring to fig. 8, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 8, but that does not indicate only one bus or one type of bus.

The method performed by the payment processing apparatus disclosed in the embodiment of fig. 8 in this specification may be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

The electronic device may also execute the method of fig. 4 and implement the functions of the payment processing apparatus in the embodiment shown in fig. 4, which are not described herein again in this specification.

Embodiments of the present specification also provide a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, enable the portable electronic device to perform the method of the embodiment shown in fig. 4, and in particular to perform the following operations:

Fig. 9 is a schematic structural diagram of a payment processing apparatus 90 according to an embodiment of the present disclosure. Referring to fig. 9, in one software implementation, the payment processing apparatus 90 may include: a determining unit 91, a transmitting unit 92, a receiving unit 93 and a processing unit 94, wherein:

a determining unit 91, configured to determine, based on a payment request initiated by a first user, payment information corresponding to the payment request;

the sending unit 92 is used for sending the payment information to a wind control server, and the wind control server determines whether to perform forced wind control on the payment request based on the payment information and a forced wind control rule preset by a second user in advance under the condition that the payment request is determined to be normal so as to strengthen risk control on the payment request;

the receiving unit 93 is configured to receive a forced wind control policy returned by the wind control service provider, where the forced wind control policy is determined by the wind control service provider when determining that forced wind control is performed on the payment request;

a processing unit 94 for processing the payment request based on the mandatory wind control policy.

Optionally, the forced wind control strategy is obtained by determining a wind control grade of forced wind control based on the wind control service side, where the wind control grade includes low risk, high risk and overproof risk;

if the wind control level is low risk, the forced wind control policy is to perform identity verification based on the payment password and a payment password preset by the second user, and the payment password is different from the payment password; if the wind control level is high risk, the forced wind control strategy is to perform identity verification based on the payment password, the payment password and the biological feature information of the second user; and if the wind control level is that the risk exceeds the standard, the forced wind control strategy is prompt information of payment failure returned.

Optionally, the processing unit 94, processing the payment request based on the mandatory wind control policy, includes:

prompting the first user to input the payment password and the payment password under the condition that the forced wind control strategy is authenticated based on the payment password and the payment password, and performing payment processing on the payment request after the authentication of the first user is passed;

prompting the first user to input the payment password, the payment password and the biological characteristic information of the second user when the forced wind control policy is identity verification based on the payment password, the payment password and the biological characteristic information of the second user; after the first user identity authentication is passed, performing payment processing on the payment request;

and sending the prompt message of payment failure to the first user under the condition that the forced wind control strategy is the prompt message of payment failure returned.

Optionally, after the sending unit 92 sends the payment information to the wind-controlled service provider, the receiving unit 93 receives prompt information of the payment request abnormality from the wind-controlled service provider, where the prompt information is sent by the wind-controlled service provider when the payment request abnormality is determined;

the sending unit 92 sends a prompt message of payment failure to the first user.

Optionally, the receiving unit 93 receives prompt information from the wind control service provider, where the prompt information is sent by the wind control service provider when determining that the payment request is not subjected to forced wind control, and the prompt information is used to prompt authentication based on a payment password;

the processing unit 94 prompts the first user to input a payment password based on the prompt message; and after the first user identity authentication is passed based on the payment password, performing payment processing on the payment request.

Optionally, before the determining unit 91 determines payment information corresponding to a payment request based on the payment request initiated by a first user, the receiving unit 93 receives the mandatory wind control rule and verification information for performing identity verification in case of mandatory wind control sent by the second user, where the mandatory wind control rule and the verification information are set by the second user in a payment application;

the sending unit 92 sends the mandatory wind control rule and the verification information to the wind control server, and the wind control server stores the mandatory wind control rule and the verification information.

The payment processing apparatus 90 provided in the embodiment of the present specification may further execute the method in fig. 4, and implement the functions of the payment processing apparatus in the embodiment shown in fig. 4, which are not described herein again in the embodiment of the present specification.

Fig. 10 is a schematic structural diagram of a payment processing system according to an embodiment of the present disclosure. The payment processing system 100 includes a payment server 101 and a pneumatic server 102, wherein:

the payment server 101 determines payment information corresponding to a payment request based on the payment request initiated by a first user; sending the payment information to the wind-controlled service party 102;

the wind control server 102, under the condition that the payment request is determined to be normal, determining whether to perform forced wind control on the payment request based on the payment information and a forced wind control rule preset by a second user in advance so as to strengthen risk control on the payment request; determining a forced wind control strategy for the payment request under the condition of determining that the forced wind control is carried out on the payment request; sending the mandatory wind control means policy to the payment server 101;

and the payment server 101 processes the payment request based on the mandatory wind control strategy.

In this embodiment, the payment service part 101 may implement the functions implemented by the payment service part in the embodiments shown in fig. 2 to fig. 5, and the wind control service part 102 may implement the functions implemented by the wind control service part in the embodiments shown in fig. 2 to fig. 5, which may specifically refer to the specific implementation of the corresponding steps in the embodiments shown in fig. 2 to fig. 5, and will not be described again here.

In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of protection of this document. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of the present specification shall be included in the scope of protection of this document.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Claims

1. A payment processing method is applied to a wind control service party, and comprises the following steps:

2. The method of claim 1, determining whether to enforce wind control on the payment request based on the payment information and enforcement wind control rules previously set by a second user, comprising:

matching the payment information with the forced wind control rule;

3. The method of claim 1, determining a mandatory wind policy for the payment request, comprising:

4. The method of claim 3, wherein the payment information includes a plurality of information relating to the payment, and wherein the mandatory wind rules include a plurality of rules;

wherein determining a wind control level for performing forced wind control on the payment request based on the payment information and the forced wind control rule comprises:

5. The method of claim 4, determining a level of forced-air-control of the payment request based on the payment information and the forced-air-control rules, further comprising:

6. The method of claim 4, wherein the first and second light sources are selected from the group consisting of a red light source, a green light source, and a blue light source,

the payment information comprises a service scene, an amount to be paid, payee information and a payment mode related to the payment request, and the forced wind control rule comprises at least two of a specified service scene, a specified amount and a specified payment mode.

7. The method of claim 3, the wind control levels comprising low risk, high risk, and overproof risk;

wherein determining a mandatory wind control policy for the payment request based on the wind control level comprises:

8. The method of claim 1, prior to receiving the payment information sent by the payment facilitator, the method further comprising:

receiving the forced wind control rule and verification information for identity verification under the condition of forced wind control sent by the payment server, wherein the forced wind control rule and the verification are set by the second user in payment application;

and storing the forced wind control rule and the verification information.

9. The method of claim 1, wherein the payment information comprises device information of a terminal device used by the user and account information of the user;

after receiving the payment information sent by the payment service party, the method further comprises:

judging whether the payment request is normal or not based on the equipment information and the account information;

10. The method of claim 1, further comprising:

and under the condition that the payment request is not subjected to forced wind control, sending prompt information for performing identity authentication based on a payment password to the payment server, and processing the payment request by the payment server based on the prompt information.

11. A payment processing method applied to a payment service party, the method comprising:

12. The method of claim 11, wherein the step of selecting the target,

the forced wind control strategy is obtained by determining the wind control grade of forced wind control based on the wind control service side, wherein the wind control grade comprises low risk, high risk and overproof risk;

if the wind control level is low risk, the forced wind control policy is to perform identity authentication based on a payment password and a payment password preset by the second user, and the payment password is different from the payment password; if the wind control level is high risk, the forced wind control strategy is to perform identity verification based on the payment password, the payment password and the biological feature information of the second user; and if the wind control level is that the risk exceeds the standard, the forced wind control strategy is prompt information of payment failure returned.

13. The method of claim 12, processing the payment request based on the forced wind policy, comprising:

14. The method of claim 11, after sending the payment information to the wind-controlled service, the method further comprising:

receiving prompt information of the payment request abnormity from the wind control server, wherein the prompt information is sent by the wind control server under the condition that the payment request abnormity is determined;

and sending prompt information of payment failure to the first user.

15. The method of claim 11, the method further comprising:

receiving prompt information from the wind control server, wherein the prompt information is sent by the wind control server under the condition that the wind control server determines not to perform forced wind control on the payment request, and the prompt information is used for prompting authentication based on a payment password;

prompting the first user to input a payment password based on the prompt message;

and after the first user identity authentication is passed based on the payment password, performing payment processing on the payment request.

16. The method of claim 11, prior to determining payment information corresponding to the payment request based on a first user-initiated payment request, the method further comprising:

receiving the forced wind control rule and verification information for identity verification under the condition of forced wind control sent by the second user, wherein the forced wind control rule and the verification information are set by the second user in payment application;

and sending the forced wind control rule and the verification information to the wind control server, and storing the forced wind control rule and the verification information by the wind control server.

17. A payment processing device applied to a wind control service side comprises:

18. An electronic device applied to a wind control server side comprises:

a processor; and

19. A computer-readable storage medium applied to a wind service, the computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to perform a method of:

20. A payment processing apparatus applied to a payment service side, comprising:

the receiving unit is used for receiving a forced wind control strategy returned by the wind control server, wherein the forced wind control strategy is determined by the wind control server under the condition of determining to perform forced wind control on the payment request;

21. An electronic device applied to a payment service side, comprising:

a processor; and

22. A computer-readable storage medium applied to a payment service, the computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to perform a method of:

23. A payment processing system comprising a payment facilitator and a wind-based facilitator, wherein: