CN113129003A - Two-dimensional code payment control method and device - Google Patents
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Abstract
The invention provides a two-dimensional code payment control method and a device, wherein the method comprises the following steps: receiving two-dimensional code transaction information and a transaction APP identification code; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction; according to the two-dimension code transaction information, merchant information of two-dimension code transaction is determined; determining the limit of the two-dimensional code transaction according to the transaction APP identification code, merchant information of the two-dimensional code transaction and preset limit control parameters; and when the transaction amount in the two-dimensional code transaction information is determined to be less than or equal to the limit amount, allowing the two-dimensional code transaction payment. Different transaction scenes are determined based on the combination of the transaction APP identification code and merchant information of two-dimensional code transaction, and the limit under different transaction scenes is determined by using the preset limit control parameters, so that the requirement of large-amount transaction can be met, and the fund risk can be reduced by using the lower limit during small-amount transaction, thereby improving the user experience. The invention is used in the field of finance.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a two-dimensional code payment control method and device.
It should be noted that the two-dimensional code payment control method and device of the present invention can be used for two-dimensional code payment control in the financial field, and can also be used for two-dimensional code payment control in any field except the financial field.
Background
Along with the popularization of the mobile internet, the two-dimensional code payment use scenes are more and more. The method has the small-amount high-frequency payment scenes of buying water and snacks in convenience stores and also has the large-amount transaction scenes of paying property fees and paying taxes. In order to ensure fund safety and reduce fund loss caused by embezzlement and the like, the prior art can set a single limit to control two-dimensional code transaction, and in the face of different scenes, the limit is uniformly set to be too low to meet the requirement of large-amount transaction, the limit is uniformly set to be higher and has larger fund risk, so that loss is caused to a user, and the user experience is influenced.
Disclosure of Invention
The embodiment of the invention provides a two-dimension code payment control method, which is used for meeting the requirement of large-amount transaction, reducing fund risk and improving user experience and comprises the following steps:
receiving two-dimensional code transaction information and a transaction APP identification code; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction;
according to the two-dimension code transaction information, merchant information of two-dimension code transaction is determined;
determining the limit of the two-dimensional code transaction according to the transaction APP identification code, merchant information of the two-dimensional code transaction and preset limit control parameters;
and when the transaction amount in the two-dimensional code transaction information is determined to be less than or equal to the limit, allowing the two-dimensional code transaction payment.
During specific implementation, according to trade APP identification code, the merchant information of two-dimensional code transaction and preset limit control parameter, confirm the limit of two-dimensional code transaction, include:
determining a security level corresponding to an APP used by a user for two-dimensional code transaction according to the transaction APP identification code;
determining a security level corresponding to a merchant of the two-dimensional code transaction according to a white list of the payee merchant and merchant information of the two-dimensional code transaction stored in a bank background system;
determining the security level of the two-dimensional code transaction according to the security level corresponding to the APP used by the user in the two-dimensional code transaction and the security level corresponding to the merchant of the two-dimensional code transaction;
and determining the limit of the two-dimensional code transaction according to the security level of the two-dimensional code transaction and the preset limit control parameter.
In one embodiment, to further ensure the safety of the fund, the method further comprises the following steps:
determining a transaction environment security level identifier of the two-dimensional code transaction, wherein the transaction environment security level identifier is used for representing the security level of a payment security verification tool for evaluating the transaction environment during the two-dimensional code transaction;
correspondingly, according to trade APP identification code, the merchant information and the predetermined amount control parameter of two-dimensional code transaction, confirm the restriction amount of two-dimensional code transaction, include:
and determining the limit of the two-dimensional code transaction according to the transaction APP identification code, the merchant information of the two-dimensional code transaction, the transaction environment security level identification and a preset limit control parameter.
In another embodiment, to ensure real-time update of the white list of the payee merchant, a two-dimensional code payment control method is further provided, further comprising:
the method comprises the steps of collecting merchant information of a plurality of cash register merchants regularly, and determining the risk level of each cash register merchant;
and updating the white list of the payee merchants stored in the bank background system according to the risk level of each payee merchant.
The embodiment of the invention also provides a two-dimensional code payment control device, which is used for meeting the requirement of large-amount transaction, reducing fund risk and improving user experience, and comprises the following components:
the data receiving module is used for receiving the two-dimensional code transaction information and the transaction APP identification code; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction;
the merchant information determining module is used for determining merchant information of two-dimensional code transaction according to the two-dimensional code transaction information;
the quota determining module is used for determining the limit quota of the two-dimensional code transaction according to the transaction APP identification code, the merchant information of the two-dimensional code transaction and a preset quota control parameter;
and the payment control module is used for allowing the two-dimensional code transaction payment when the transaction amount in the two-dimensional code transaction information is less than or equal to the limit amount.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the two-dimensional code payment control method when executing the computer program.
In a specific embodiment, the quota determining module is specifically configured to:
determining a security level corresponding to an APP used by a user for two-dimensional code transaction according to the transaction APP identification code;
determining a security level corresponding to a merchant of the two-dimensional code transaction according to a white list of the payee merchant and merchant information of the two-dimensional code transaction stored in a bank background system;
determining the security level of the two-dimensional code transaction according to the security level corresponding to the APP used by the user in the two-dimensional code transaction and the security level corresponding to the merchant of the two-dimensional code transaction;
and determining the limit of the two-dimensional code transaction according to the security level of the two-dimensional code transaction and the preset limit control parameter.
In one embodiment, to further ensure the safety of the fund, the method further comprises the following steps:
the transaction environment security level determining module is used for determining a transaction environment security level identifier of the two-dimensional code transaction, and the transaction environment security level identifier is used for representing the security level of the payment security verification tool for evaluating the transaction environment during the two-dimensional code transaction;
correspondingly, the quota determining module is specifically configured to: and determining the limit of the two-dimensional code transaction according to the transaction APP identification code, the merchant information of the two-dimensional code transaction, the transaction environment security level identification and a preset limit control parameter.
In another specific embodiment, a two-dimensional code payment control device is further provided, further including:
the white list maintenance module of the money-collecting commercial tenant is used for:
the method comprises the steps of collecting merchant information of a plurality of cash register merchants regularly, and determining the risk level of each cash register merchant;
and updating the white list of the payee merchants stored in the bank background system according to the risk level of each payee merchant.
An embodiment of the present invention also provides a computer-readable storage medium, in which a computer program for executing the two-dimensional code payment control method is stored.
In the embodiment of the invention, the transaction information and the transaction APP identification code are received; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction; according to the two-dimension code transaction information, merchant information of two-dimension code transaction is determined; determining the limit of the two-dimensional code transaction according to the transaction APP identification code, merchant information of the two-dimensional code transaction and preset limit control parameters; and when the transaction amount in the two-dimensional code transaction information is determined to be less than or equal to the limit amount, allowing the two-dimensional code transaction payment. Different transaction scenes can be determined based on the combination of the transaction APP identification code and merchant information of two-dimensional code transaction, the limit of the two-dimensional code transaction under different transaction scenes is determined by using the preset limit control parameters, the requirement of large-amount transaction can be met, and the fund risk can be reduced by using the lower limit during small-amount transaction, so that the user experience is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic diagram of a two-dimensional code payment control method in an embodiment of the present invention.
Fig. 2 is a schematic diagram of a method for implementing step 103 in the embodiment of the present invention.
Fig. 3 is a schematic diagram of a two-dimensional code payment control method in an embodiment of the invention.
Fig. 4 is a schematic diagram of a two-dimensional code payment control method according to another embodiment of the invention.
Fig. 5 is a schematic diagram of a two-dimensional code payment control device in an embodiment of the invention.
Fig. 6 is a schematic diagram of a two-dimensional code payment control device according to an embodiment of the invention.
Fig. 7 is a schematic diagram of a two-dimensional code payment control device according to another embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the invention provides a two-dimension code payment control method, which is used for meeting the requirement of large-amount transaction, reducing fund risk and improving user experience, and as shown in figure 1, the method comprises the following steps:
step 101: receiving two-dimensional code transaction information and a transaction APP identification code; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction;
step 102: according to the two-dimension code transaction information, merchant information of two-dimension code transaction is determined;
step 103: determining the limit of the two-dimensional code transaction according to the transaction APP identification code, merchant information of the two-dimensional code transaction and preset limit control parameters;
step 104: and when the transaction amount in the two-dimensional code transaction information is determined to be less than or equal to the limit amount, allowing the two-dimensional code transaction payment.
As can be known from the process shown in fig. 1, in the embodiment of the present invention, the transaction information and the transaction APP id are received; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction; according to the two-dimension code transaction information, merchant information of two-dimension code transaction is determined; determining the limit of the two-dimensional code transaction according to the transaction APP identification code, merchant information of the two-dimensional code transaction and preset limit control parameters; and when the transaction amount in the two-dimensional code transaction information is determined to be less than or equal to the limit amount, allowing the two-dimensional code transaction payment. Different transaction scenes are determined based on the combination of the transaction APP identification code and merchant information of two-dimensional code transaction, the limit of the two-dimensional code transaction under different transaction scenes is determined by using preset limit control parameters, the requirement of large-amount transaction can be met, and the fund risk can be reduced by using lower limit during small-amount transaction, so that the user experience is improved.
When the method is implemented specifically, firstly, two-dimensional code transaction information and a transaction APP identification code are received. The two-dimension code transaction information refers to the relevant information of the transaction initiated by the user by scanning the two-dimension code through the APP, and comprises information such as transaction time, merchant information of the transaction, transaction amount and the like. The transaction APP identification codes are used for representing APPs used by the user in two-dimensional code transaction, each APP has the unique transaction APP identification code, for example, the transaction APP of a mobile banking APP is 01, and the transaction APP of the APP in colorful life is 02.
After the two-dimension code transaction information is received, merchant information of the two-dimension code transaction is determined, and a merchant number of the two-dimension code transaction is mainly determined.
After the merchant information of the two-dimensional code transaction is determined, the limit of the two-dimensional code transaction is determined according to the transaction APP identification code, the merchant information of the two-dimensional code transaction and a preset limit control parameter. The specific implementation process, as shown in fig. 2, includes:
step 201: determining a security level corresponding to an APP used by a user for two-dimensional code transaction according to the transaction APP identification code;
step 202: determining a security level corresponding to a merchant of the two-dimensional code transaction according to a white list of the payee merchant and merchant information of the two-dimensional code transaction stored in a bank background system;
step 203: determining the security level of the two-dimensional code transaction according to the security level corresponding to the APP used by the user in the two-dimensional code transaction and the security level corresponding to the merchant of the two-dimensional code transaction;
step 204: and determining the limit of the two-dimensional code transaction according to the security level of the two-dimensional code transaction and the preset limit control parameter.
During specific implementation, the corresponding security levels of different APPs are possibly different, different ratings are given in advance according to different verified security protection standards of each APP, the safest APP is given to the level A, the second-safe APP is given to the level B, and the rest APPs are given to the level C.
In specific implementation, the merchant number of the two-dimensional code transaction is searched in a white list of the money receiving merchants stored in the bank background system, if the merchant number of the two-dimensional code transaction can be found, the merchant of the two-dimensional code transaction is proved to be in the white list of the money receiving merchants, the security level corresponding to the merchant of the two-dimensional code transaction is determined to be a high level, and otherwise, the security level is determined to be a low level.
In step 203, when the method is specifically implemented, different scores may be given to the security levels corresponding to different APPs and the security level corresponding to the merchant of the two-dimensional code transaction, and a weight coefficient of the security level corresponding to the APP and the security level corresponding to the merchant of the two-dimensional code transaction is preset, for example, the weight coefficient of the security level corresponding to the merchant of the two-dimensional code transaction is 0.6, the security level corresponding to the APP is 0.4, and the final security level of the two-dimensional code transaction is determined according to the weight coefficient and the score of each security level, and may be directly represented by the security level score. Correspondingly, the preset quota control parameter is a quota rule corresponding to different safety level scores preset in advance by the service personnel according to historical data, for example, the score is between 85 and 100, the reachable limited quota is 10 thousands, and the score is below 30, and the reachable limited quota is 1000. Those skilled in the art will appreciate that the above data are merely examples, and further description of other example embodiments is omitted.
After the limit amount of the two-dimensional code transaction is determined, comparing the transaction amount in the two-dimensional code transaction information with the limit amount, and allowing the two-dimensional code transaction payment when the transaction amount in the two-dimensional code transaction information is determined to be smaller than or equal to the limit amount; and if not, refusing the two-dimension code transaction, stopping payment and sending an excess early warning prompt to the user.
In a specific embodiment, in order to further ensure fund security, the limit amount can be determined by detecting the transaction environment during two-dimensional code transaction and combining the detection result. Therefore, in an embodiment, a two-dimensional code payment control method is further provided, as shown in fig. 3, on the basis of fig. 1, the method further includes:
step 301: determining a transaction environment security level identifier of the two-dimensional code transaction, wherein the transaction environment security level identifier is used for representing the security level of the payment security verification tool for evaluating the transaction environment during the two-dimensional code transaction;
accordingly, step 103 is changed to step 302: and determining the limit of the two-dimensional code transaction according to the transaction APP identification code, the merchant information of the two-dimensional code transaction, the transaction environment security level identification and a preset limit control parameter.
In specific implementation, the security levels represented by the security level identifiers of different transaction environments are different, for example, the security level is C level in a non-login state; using short message authentication in a login state to be B level; authentication is performed as class a using a security tool such as token or bluetooth key. In particular, the rating of the transaction environment security level identifier cannot exceed the security level of the APP itself, i.e. the security level corresponding to the APP is determined according to the transaction APP identification code.
Since the information of the payee merchant changes from time to time, the risk level of the payee merchant changes accordingly, and the payee merchant white list needs to be updated correspondingly, in another embodiment, in order to update the payee merchant white list in real time, a two-dimensional code payment control method is further provided, as shown in fig. 4, on the basis of fig. 1, the method further includes:
step 401: the method comprises the steps of collecting merchant information of a plurality of cash register merchants regularly, and determining the risk level of each cash register merchant;
step 402: and updating the white list of the payee merchants stored in the bank background system according to the risk level of each payee merchant.
In the specific implementation of step 401, a polling frequency is preset, for example, set to be one month, and every month, merchant information on the APP such as a mobile banking is regularly collected, for example, a merchant position, a merchant number, a merchant evaluation, a merchant credit level, merchant fund change data, and the like. The risk level assessment model of the payee merchant is established by establishing a risk level assessment model, for example, by a neural network model, a principal component analysis method, or various predictive algorithms. Inputting the collected merchant information of a plurality of merchant payment units into a risk level evaluation model of the merchant payment units, and determining the risk level of each merchant payment unit; updating a white list of the money collection merchants stored in the bank background system according to the risk level of each money collection merchant, wherein the white list comprises the following steps: and newly adding qualified cash register merchants and deleting unqualified cash register merchants, and maintaining a white list of the cash register merchants in time so as to reduce the fund risk of the user during payment.
A specific example is given below to illustrate how embodiments of the present invention perform two-dimensional code payment control. This example is through designing a set of parameters, including: 1, APP identification code; 2. a transaction environment security level identification; 3. white list of the payee merchants.
The APP identification codes are used for identifying mobile phone APPs used by the clients when the two-dimensional code payment is carried out, each APP has the unique corresponding identification code, for example, the mobile phone bank APP is 01, and the colorful life APPs are 02. Different safety protection standards are verified for each APP, different grades are given in advance, the safest APP is given to the level A, the second safest APP is given to the level B, and the rest APP is given to the level C.
And the transaction environment safety level identification is a safety level evaluated according to the condition that the client uses the safety tool to verify during transaction. For example, the level C is used in the non-login state, the level B is used in the login state, and the level a is used in the login state using security tools such as token or bluetooth key. The rating cannot exceed the security level of the cell phone APP itself.
The payee merchant white list includes a plurality of payee merchant numbers with high security levels.
Based on the combination of the three parameters, the transaction limit of the two-dimensional code can be flexibly configured, for example, the APP identification code is a preset value 01, the safety level identification is A or B, and the transaction limit of the number of the payee merchant in the white list is 10 ten thousand yuan. The remaining transaction limit is 1000 dollars without satisfying the condition.
When the mobile phone APP conducts two-dimensional code transaction, the APP identification code and the transaction environment safety level identification are sent along with the transaction, the background control system compares the APP identification code and the transaction environment safety level identification which are sent upwards and the acquired white list of the payee with preset limit control parameters, and transaction limit is generated according to a comparison result. And according to the transaction limit, the bank background control system passes or refuses the transaction. And the business management end of the bank regularly maintains the white list of the money receiving merchants stored in the background system according to the preset time interval.
By setting the set of control parameters, transaction limits are flexibly configured according to different parameters adapted to transaction scenes, so that risks can be controlled, and the requirement of large-amount transaction can be met.
The implementation of the above specific application is only an example, and the rest of the embodiments are not described in detail.
Based on the same inventive concept, embodiments of the present invention further provide a two-dimensional code payment control device, and because the principle of the problem solved by the two-dimensional code payment control device is similar to that of the two-dimensional code payment control method, the implementation of the two-dimensional code payment control device can refer to the implementation of the two-dimensional code payment control method, repeated details are not repeated, and the specific structure is as shown in fig. 5:
the data receiving module 501 is configured to receive two-dimensional code transaction information and a transaction APP identification code; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction;
a merchant information determining module 502, configured to determine merchant information of two-dimensional code transaction according to the two-dimensional code transaction information;
the quota determining module 503 is configured to determine a limit quota of the two-dimensional code transaction according to the transaction APP identifier, merchant information of the two-dimensional code transaction, and a preset quota control parameter;
and the payment control module 504 is configured to allow the two-dimensional code transaction payment when the transaction amount in the two-dimensional code transaction information is determined to be less than or equal to the limit amount.
In a specific embodiment, the quota determining module 503 is specifically configured to:
determining a security level corresponding to an APP used by a user for two-dimensional code transaction according to the transaction APP identification code;
determining a security level corresponding to a merchant of the two-dimensional code transaction according to a white list of the payee merchant and merchant information of the two-dimensional code transaction stored in a bank background system;
determining the security level of the two-dimensional code transaction according to the security level corresponding to the APP used by the user in the two-dimensional code transaction and the security level corresponding to the merchant of the two-dimensional code transaction;
and determining the limit of the two-dimensional code transaction according to the security level of the two-dimensional code transaction and the preset limit control parameter.
In a specific embodiment, a two-dimensional code payment control apparatus is further provided, as shown in fig. 6, on the basis of fig. 5, the apparatus further includes:
the transaction environment security level determining module 601 is configured to determine a transaction environment security level identifier of the two-dimensional code transaction, where the transaction environment security level identifier is used to represent a security level of the payment security verification tool for evaluating the transaction environment during the two-dimensional code transaction.
Accordingly, the quota determining module 503 is specifically configured to: and determining the limit of the two-dimensional code transaction according to the transaction APP identification code, the merchant information of the two-dimensional code transaction, the transaction environment security level identification and a preset limit control parameter.
In another specific embodiment, a two-dimensional code payment control apparatus is further provided, as shown in fig. 7, on the basis of fig. 5, the apparatus further includes:
a white list maintenance module 701 for the payee businessman, configured to:
the method comprises the steps of collecting merchant information of a plurality of cash register merchants regularly, and determining the risk level of each cash register merchant;
and updating the white list of the payee merchants stored in the bank background system according to the risk level of each payee merchant.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the two-dimensional code payment control method when executing the computer program.
An embodiment of the present invention also provides a computer-readable storage medium, in which a computer program for executing the two-dimensional code payment control method is stored.
In summary, the two-dimensional code payment control method and device provided by the embodiment of the invention have the following advantages:
by receiving two-dimensional code transaction information and a transaction APP identification code; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction; according to the two-dimension code transaction information, merchant information of two-dimension code transaction is determined; determining the limit of the two-dimensional code transaction according to the transaction APP identification code, merchant information of the two-dimensional code transaction and preset limit control parameters; and when the transaction amount in the two-dimensional code transaction information is determined to be less than or equal to the limit amount, allowing the two-dimensional code transaction payment. Different transaction scenes are determined based on the combination of the transaction APP identification code and merchant information of two-dimensional code transaction, the limit of the two-dimensional code transaction under different transaction scenes is determined by using preset limit control parameters, the requirement of large-amount transaction can be met, and the fund risk can be reduced by using lower limit during small-amount transaction, so that the user experience is improved.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
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. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, 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. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention. Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1.A two-dimension code payment control method is characterized by comprising the following steps:
receiving two-dimensional code transaction information and a transaction APP identification code; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction;
according to the two-dimension code transaction information, merchant information of two-dimension code transaction is determined;
determining the limit of the two-dimensional code transaction according to the transaction APP identification code, merchant information of the two-dimensional code transaction and preset limit control parameters;
and when the transaction amount in the two-dimensional code transaction information is determined to be less than or equal to the limit, allowing the two-dimensional code transaction payment.
2. The two-dimension code payment control method of claim 1, wherein determining the limit of the two-dimension code transaction according to the transaction APP identification code, the merchant information of the two-dimension code transaction and a preset limit control parameter comprises:
determining a security level corresponding to an APP used by a user for two-dimensional code transaction according to the transaction APP identification code;
determining a security level corresponding to a merchant of the two-dimensional code transaction according to a white list of the payee merchant and merchant information of the two-dimensional code transaction stored in a bank background system;
determining the security level of the two-dimensional code transaction according to the security level corresponding to the APP used by the user in the two-dimensional code transaction and the security level corresponding to the merchant of the two-dimensional code transaction;
and determining the limit of the two-dimensional code transaction according to the security level of the two-dimensional code transaction and the preset limit control parameter.
3. The two-dimensional code payment control method of claim 2, further comprising:
the method comprises the steps of collecting merchant information of a plurality of cash register merchants regularly, and determining the risk level of each cash register merchant;
and updating the white list of the payee merchants stored in the bank background system according to the risk level of each payee merchant.
4. The two-dimensional code payment control method of claim 1, further comprising:
determining a transaction environment security level identifier of the two-dimensional code transaction, wherein the transaction environment security level identifier is used for representing the security level of a payment security verification tool for evaluating the transaction environment during the two-dimensional code transaction;
according to trade APP identification code, the merchant information of two-dimensional code transaction and the limit control parameter of presetting, confirm the limit amount of two-dimensional code transaction, include:
and determining the limit of the two-dimensional code transaction according to the transaction APP identification code, the merchant information of the two-dimensional code transaction, the transaction environment security level identification and a preset limit control parameter.
5. A two-dimensional code payment control device, comprising:
the data receiving module is used for receiving the two-dimensional code transaction information and the transaction APP identification code; the transaction APP identification code is used for representing an APP used by a user in two-dimensional code transaction;
the merchant information determining module is used for determining merchant information of two-dimensional code transaction according to the two-dimensional code transaction information;
the quota determining module is used for determining the limit quota of the two-dimensional code transaction according to the transaction APP identification code, the merchant information of the two-dimensional code transaction and a preset quota control parameter;
and the payment control module is used for allowing the two-dimensional code transaction payment when the transaction amount in the two-dimensional code transaction information is less than or equal to the limit amount.
6. The two-dimensional code payment control device of claim 5, wherein the quota determining module is specifically configured to:
determining a security level corresponding to an APP used by a user for two-dimensional code transaction according to the transaction APP identification code;
determining a security level corresponding to a merchant of the two-dimensional code transaction according to a white list of the payee merchant and merchant information of the two-dimensional code transaction stored in a bank background system;
determining the security level of the two-dimensional code transaction according to the security level corresponding to the APP used by the user in the two-dimensional code transaction and the security level corresponding to the merchant of the two-dimensional code transaction;
and determining the limit of the two-dimensional code transaction according to the security level of the two-dimensional code transaction and the preset limit control parameter.
7. The two-dimensional code payment control device of claim 6, further comprising:
the white list maintenance module of the money-collecting commercial tenant is used for:
the method comprises the steps of collecting merchant information of a plurality of cash register merchants regularly, and determining the risk level of each cash register merchant;
and updating the white list of the payee merchants stored in the bank background system according to the risk level of each payee merchant.
8. The two-dimensional code payment control device of claim 5, further comprising:
the transaction environment security level determining module is used for determining a transaction environment security level identifier of the two-dimensional code transaction, and the transaction environment security level identifier is used for representing the security level of the payment security verification tool for evaluating the transaction environment during the two-dimensional code transaction;
the quota determining module is specifically configured to: and determining the limit of the two-dimensional code transaction according to the transaction APP identification code, the merchant information of the two-dimensional code transaction, the transaction environment security level identification and a preset limit control parameter.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
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