CN113256294B

CN113256294B - Network payment method, device, equipment and system

Info

Publication number: CN113256294B
Application number: CN202110701511.6A
Authority: CN
Inventors: 明浩; 张哲�
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2019-12-13
Filing date: 2019-12-13
Publication date: 2022-12-16
Anticipated expiration: 2039-12-13
Also published as: WO2021114895A1; CN113256294A; CN111027975A; CN111027975B

Abstract

The embodiment of the specification discloses a network payment method, a device, equipment and a system. The scheme comprises the following steps: the method comprises the steps that a refund request initiated by a first terminal logging in a first account is obtained, the refund request is used for requesting to refund to a second account, and the first account is a payee account judged to have fraudulent transactions with the second account; sending a first inquiry message aiming at the refund request to a second terminal logged in with the second account, wherein the first inquiry message is used for inquiring whether a user of the second account accepts the refund; acquiring operation accepting information sent by the second terminal, wherein the operation accepting information is used for indicating that the user of the second account agrees to accept the refund; and paying the money corresponding to the refund request from the first account to the second account.

Description

Network payment method, device, equipment and system

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method, an apparatus, a device, and a system for network payment.

Background

With the popularization of electronic payment technology, people increasingly perform transfer transactions through network payment platforms. In real life, there are often cases where a user is subjected to fraud and transfers to a lawbreaker.

After the user finds the cheat, the most direct appeal is that the network payment platform is expected to return the cheated funds, but the network payment platform does not have the right to revoke the transfer transaction or draw the funds of the user account due to financial supervision policies and the like. Currently, the processing mode of the online payment platform for online fraud account transfer is generally that, after a user reports fraud, the payment platform performs function limitation on a collection account suspected of fraud, so that fraud funds are controlled in the collection account. However, for the fraudulent user, the prior art network payment methods still cannot reimburse the funds paid by the fraudulent user in the fraudulent transaction.

Disclosure of Invention

In view of this, embodiments of the present application provide a network payment method, apparatus, device, and system, which are used for enabling a network payment platform to have a function of returning a money in a fraudulent transaction to an account of a fraudulent user, so as to improve money return efficiency.

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

an embodiment of the present specification provides a network payment method, including: the method comprises the steps that a refund request initiated by a first terminal logging in a first account is obtained, the refund request is used for requesting to refund to a second account, and the first account is a payee account judged to have fraudulent transactions with the second account; sending a first inquiry message aiming at the refund request to a second terminal logged in with the second account, wherein the first inquiry message is used for inquiring whether a user of the second account accepts the refund; acquiring operation accepting information sent by the second terminal, wherein the operation accepting information is used for indicating that the user of the second account agrees to accept the refund; and paying the money corresponding to the refund request from the first account to the second account.

An embodiment of this specification provides a network payment device, includes: the system comprises a refund request acquisition module, a first terminal and a second terminal, wherein the refund request acquisition module is used for acquiring a refund request initiated by the first terminal logged in a first account, the refund request is used for requesting to refund to a second account, and the first account is a payee account judged to have fraudulent transactions with the second account; the inquiry message sending module is used for sending a first inquiry message aiming at the refund request to a second terminal logged with the second account, and the first inquiry message is used for inquiring whether a user of the second account accepts the refund request; the operation information acquisition module is used for acquiring operation accepting information sent by the second terminal, and the operation accepting information is used for indicating that the user of the second account agrees to accept the refund; and the payment module is used for paying the money corresponding to the refund request from the first account to the second account.

An embodiment of this specification provides a transaction server, including:

at least one processor; and (c) a second step of,

a memory communicatively coupled to the at least one processor; wherein, the first and the second end of the pipe are connected with each other,

the memory stores instructions executable by the at least one processor to enable the exchange server to:

the method comprises the steps that a refund request initiated by a first terminal logging in a first account is obtained, the refund request is used for requesting to refund to a second account, and the first account is a payee account judged to have fraudulent transactions with the second account; sending a first inquiry message aiming at the refund request to a second terminal logged in with the second account, wherein the first inquiry message is used for inquiring whether a user of the second account accepts the refund request; acquiring operation accepting information sent by the second terminal, wherein the operation accepting information is used for indicating that the user of the second account agrees to accept the refund; and paying the money corresponding to the refund request from the first account to the second account.

An embodiment of this specification provides a wind control server, includes:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to enable the wind control server to:

acquiring reporting information sent by a terminal logged in with a second account, wherein the reporting information is used for indicating that a completed transaction between the second account and a first account is a fraud transaction, and the second account is a payer account in the completed transaction; judging whether the fraud transaction is established or not to obtain a first judgment result; and when the first judgment result shows that the fraudulent transaction is established, limiting the transaction authority of the first account to be in a locked state, wherein the first account has the authority of paying to the second account in the locked state, and the transaction authority between the first account and other accounts is locked.

An embodiment of the present specification provides a mobile terminal, including:

at least one processor; and (c) a second step of,

the memory stores instructions executable by the at least one processor to enable the mobile terminal to:

the method comprises the steps of obtaining a refund request initiated by a user based on a first account, wherein the refund request is used for requesting to refund to a second account, and the first account is a payee account which is judged to have a fraudulent transaction with the second account; acquiring identity information of the user; judging whether the user is a registered user of the first account or not based on the identity information to obtain a first judgment result; and when the first judgment result shows that the user is the registered user of the first account, sending the refund request to a transaction server.

at least one processor; and the number of the first and second groups,

acquiring an inquiry message sent by a transaction server, wherein the inquiry message is used for inquiring whether a user of a second account logged on the mobile terminal accepts refund; displaying a first operation option, wherein the first operation option is used for acquiring the accepting operation of a user; acquiring operation accepting information input by a user based on the first operation option; acquiring identity information of the user; judging whether the user is a registered user of the second account or not based on the identity information to obtain a first judgment result; and when the first judgment result shows that the user is the registered user of the second account, sending the operation accepting information to the transaction server.

An embodiment of this specification provides a network payment system, including:

a transaction server and a wind control server;

the wind control server is used for acquiring reporting information sent by a second terminal logged in with a second account; the reporting information is used for indicating that the completed transaction between the first account and the second account is a fraudulent transaction, wherein the second account is a payer account in the completed transaction;

judging whether the fraud transaction is established or not to obtain a first judgment result;

when the first judgment result shows that the fraudulent transaction is established, limiting the transaction authority of the first account to be in a locking state; in the locked state, the first account has the right to pay the second account, and the transaction right between the first account and other accounts is locked;

the transaction server is used for acquiring a refund request initiated by a first terminal logged in with the first account; the refund request is used for requesting to refund to the second account;

sending a first inquiry message for the refund request to the second terminal; the first inquiry message is used for inquiring whether the user of the second account accepts the refund;

acquiring operation receiving information sent by the second terminal; the acceptance operation information is used for indicating that the user of the second account agrees to accept the refund;

paying the money corresponding to the refund request from the first account to the second account;

sending a money return completion message to the wind control server;

and the wind control server is also used for releasing the locking state of the first account after the refund completion message is acquired.

The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:

the application provides a network payment method, which is used for a situation that a payee performs fraud fund return after a user is cheated and reports a cash collection account, and particularly, a transaction server of a network payment platform acquires a cash return request of the cash collection account (cheater), inquires a payment user (cheated party) and receives agreement information of the payment user, and then returns a money item corresponding to the cash return request to the payment account from the cash collection account. The method enables the network payment platform to have the function of returning the money in the fraudulent transaction to the account of the fraudulent user, and can improve the money returning efficiency. On the other hand, the return of the fraud funds is realized, so that the rights and interests of the user are further guaranteed.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

fig. 1 is a schematic flow chart of a network payment method provided in an embodiment of the present specification;

fig. 2 is an interaction flowchart of a network payment method provided in an embodiment of the present specification;

fig. 3 is a schematic structural diagram of a network payment apparatus provided in an embodiment of the present specification;

fig. 4 is a schematic structural diagram of a network payment device provided in an embodiment of the present specification;

fig. 5 shows a schematic diagram of a network payment system according to an embodiment of the application.

Detailed Description

To make the objects, technical solutions and advantages of the present application more clear, the technical solutions of the present application will be clearly and completely described below with reference to specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only a few embodiments of the present application, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present application without making any creative effort belong to the protection scope of the present application.

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

Fig. 1 is a schematic flowchart of a network payment method provided in an embodiment of the present specification. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. Wherein, the application server can be a transaction server.

As shown in fig. 1, the process may include the following steps:

step S110: acquiring a refund request initiated by a first terminal logged in with a first account; the refund request is used for requesting to refund to a second account; the first account is a payee account determined to have a fraudulent transaction with the second account.

Wherein the account may be a registered account on a network transaction platform. The first account and the second account refer to accounts registered on the network transaction platform that are different from each other. Hereinafter, the first user may be a registered user of the first account, and the second user may be a registered user of the second account. Generally, for a network transaction platform, accounts are in a one-to-one correspondence relationship with users.

The first terminal refers to a terminal logged in with a first account. Specifically, the first terminal refers to a terminal that is logged in with a first account when performing an embodiment of the present application. The first terminal is not limited to a fixed electronic device, and for example, when the first account is registered in the device a, the device a is referred to as the first terminal, and when the first account is registered in the device B, the device B is referred to as the first terminal. Similarly, the second terminal hereinafter refers to a terminal registered with the second account. Specifically, the second terminal refers to a terminal that is logged in with the second account when the embodiment of the present application is executed.

In the embodiments of the present application, the terms "first", "second", "third", etc. are only used to distinguish one account, user, terminal, information, message, result, module, unit, etc. from another account, user, terminal, information, message, result, module, unit, etc., but these accounts, users, terminals, information, messages, results, modules, units, etc. are not limited by these terms.

In an embodiment of the present application, the first account may be an account of a user suspected of being fraudulent, i.e. the first account may be a payee account for a fraudulent transaction; the second account may be an account of the fraudulent user, i.e. the second account may be the payer user in the fraudulent transaction. When the payee account in the fraudulent transaction wants to make a refund to the payer account, the terminal corresponding to the payee account may send a refund request message to the transaction server.

The refund request can include a first account identification and a second account identification. Optionally, the refund request may further include information of a refund amount. Optionally, the rebate request may further include transaction information of the fraudulent transaction, where the transaction information includes transaction amount information. According to an embodiment, the refund amount in the refund amount information may be equal to the transaction amount in the transaction amount information.

In an alternative embodiment, the sending of the refund request may be performed by operating a control, such as "refund", on the first terminal, in which case the sending of the refund request and the subsequent actual refund are embodied as two operations at the first terminal. In an alternative embodiment, in practical application, the transfer request for transferring money from the first account to the second account may also be directly initiated on the first terminal, in which case, initiating a refund request from the first account to the second account is equivalent to initiating a refund request. In this case, the sending of the refund request and the making of the actual refund are embodied as one operation at the first terminal. The scenario of sending the refund request is not limited to the above example. In either case, the transaction server processes the rebate request first, and executes the actual rebate after the rebate request is confirmed by the terminal registered with the second account.

Specific names of the controls are given as examples in the embodiments of the present application, for example, a "refund" control, and examples of other controls are given below, but these examples are merely for convenience of explanation, and the specific names, implementation forms, and the like of the controls are not particularly limited as long as they can accurately convey meaning to the user.

Step S120: sending a first inquiry message aiming at the refund request to a second terminal logged in with the second account; the first query message is used to ask the user of the second account whether to accept a refund.

When the transaction server receives a rebate request from a first account, the user of a second account may be asked whether they accept the intent to rebate. If the user of the second account accepts the refund, the subsequent steps are executed; and if the user of the second account does not accept the refund, terminating the current process.

The first inquiry message may include an identifier of a rebate request account (first account), and transaction information related to the rebate, and specifically, the transaction information related to the rebate may include a transaction number, a transaction time, a transaction amount, and the like. The first inquiry message may also include a refund amount. Typically, the refund amount is equal to the transaction amount.

In an alternative embodiment, a control may be displayed to the user on the second terminal for selection by the user. For example, operational controls "accept (refund)" and "not accept (refund)" respectively may be displayed to the user for selection by the second user. In this case, the operation for expressing the intention to receive the refund and the operation for subsequently receiving the actual refund are embodied as two operations at the second terminal. In an alternative embodiment, the information to be returned may also be displayed directly on the second terminal. At this time, the operation controls of "receive" and "not receive" for selection may be displayed to the user at the same time, and in this case, the operation for expressing the intention of receiving the refund and the operation for receiving the actual refund are embodied as one operation at the second terminal. In either case, the transaction server processes the feedback information whether to receive the refund sent by the second terminal, and only when the information fed back by the second terminal is the information confirming the receipt of the refund, further performs the actual refund step.

In an alternative embodiment, the second terminal may perform only an operation for indicating an intention to receive a refund, that is, only operations on controls of "accept (refund)" and "not accept (refund)"; and when the transaction server pays the refund money item to the second account, the user does not need to perform confirmation operation on the second terminal. In this case, the user only has to perform an operation for expressing the intention of receiving the refund, and does not need to perform an actual money receiving operation. The scheme can reduce the operation of a user receiving the refund and improve the refund efficiency and the user experience.

Step S130: acquiring operation receiving information sent by the second terminal; the acceptance operation information is used for indicating that the user of the second account agrees to accept the refund.

According to an embodiment, after the user agrees to accept a refund request from the first account to the second account, the consent intention may be fed back to the transaction server. Specifically, the second terminal may transmit acceptance operation information to the transaction server based on an operation of the user indicating acceptance of the refund.

Step S140: and paying the money corresponding to the refund request from the first account to the second account.

Step S140 may specifically include synchronously changing the fund amount of the first account and the fund amount of the second account, for example, decreasing the fund amount of the first account by an amount corresponding to the refund amount, and increasing the fund amount of the second account by an amount corresponding to the refund amount.

In the above embodiment, the transaction server obtains the request for the refund of the collection account in the fraudulent transaction, then makes an inquiry to the payment user in the fraudulent transaction and receives the agreement information of the payment user, and then returns the money corresponding to the request for the refund from the account of the collection party to the account of the payment party. The method enables the network payment platform to have the function of returning the money in the fraudulent transaction to the account of the fraudulent user, and can improve the money returning efficiency. On the other hand, the rights and interests of the user are further guaranteed because the return of the fraudulent funds is realized.

Based on the method of fig. 1, the embodiments of the present specification also provide some specific implementations of the method, which are described below.

In practical applications, before the transaction server obtains the refund request initiated by the first terminal based on the first account (step S110), the method may further include determining, by the wind control server, whether a fraudulent transaction exists between the first account and the second account with the first account as a payee, and if so, locking, by the wind control server, a transaction right of the first account.

Specifically, step S110 may be preceded by the steps of: the method comprises the steps that a wind control server obtains reporting information sent by a second terminal, wherein the reporting information is used for indicating that a completed transaction between a first account and a second account is a fraud transaction, and the second account is a payer account in the completed transaction; the wind control server judges whether the fraud transaction is established or not to obtain a first judgment result; and when the first judgment result shows that the fraudulent transaction is established, limiting the transaction authority of the first account to be in a locked state, wherein the first account has the authority of paying to the second account in the locked state, and the transaction authority between the first account and other accounts is locked.

The terminal sends the report information (namely, fraud report) to the server, wherein the report information refers to a behavior that after a user finishes a certain transaction, the user finds that the transaction is deceived by a payee or a third party, and the user reports the deceived transaction. In practical applications, the reporting information is information sent by a deceived user to a network transaction platform for fraud reporting purposes for fraudulent transactions. The reporting information may be information sent by a fraudulent payer account to the wind server. The specific reporting mode can be realized by clicking a reporting control of a transaction page by a payer user, and the application does not limit the reporting mode at all.

The fraudulent transaction refers to a transaction that is determined to be a fraudulent transaction if the transaction is determined to be true after a user reports a fraud to a certain transaction. The operation of determining whether the transaction is a fraudulent transaction may be completed by the wind control server, and the specific determination method may be performed according to a method known in the prior art, which is not limited in this application.

The report information may include transaction information, and may also include a transaction report description, etc. The transaction information may specifically include a transaction number, a transaction payment account identifier, a transaction amount, and optionally, a transaction target, a transaction time, a transaction location, and the like.

In the prior art, after the wind control server determines that the collection account is suspected of being a fraudulent account, the wind control system generally controls the fund of the fraudulent transaction in the collection account so as to ensure the safety of the fund. In this case, the two parties of the transaction do not have a good communication channel to help solve the problem of fraudulent funds, for the fraudulent user, the fraudulent funds cannot be paid back, and the user has funds lost, and for the payee of the fraudulent transaction, the funds on the account are frozen, and the funds of the fraudulent transaction cannot be actively returned.

In the above embodiment of the present application, after determining that the fraudulent transaction is established, the wind control system partially defines the transaction authority of the first account. On the one hand, the fraudulent transaction collection account is prevented from transacting with other accounts to secure funds relating to the fraudulent transaction, and on the other hand, the fraudulent transaction collection account is enabled to transfer funds to the fraudulent transaction payment account to return fraudulent funds.

In practical applications, after the limiting the payment authority of the first account to the locked state, the method may further include: and the wind control server sends account locking information to the first terminal logged with the first account, wherein the account locking information is used for prompting that the transaction authority of the first account is limited to the locking state. The account locking information may include account locking event and the like. In particular, transaction information may be included that is involved in causing the account lock. Optionally, the account locking information may further include prompting information prompting the user to release the account lock by active refund.

In practical applications, after the wind control server defines the payment authority of the first account as the locked state, the method may further include: sending a second query message to the first terminal; the second inquiry message is used for inquiring whether the user of the first account returns the money corresponding to the fraudulent transaction. In particular, the second inquiry message may be sent by a transaction server. Specifically, the second inquiry information is used for instructing the user of the first account to actively initiate a refund request. Optionally, a control for initiating a rebate request may be displayed on the first terminal for the first account to actively initiate a rebate request.

In practical applications, before the sending of the second query message to the first terminal, the method may further include: acquiring historical risk behavior data of the first account; and judging whether the risk value of the first account is higher than a set risk value or not based on the historical risk behavior data to obtain a fourth judgment result. And based on the fourth judgment result, when the fourth judgment result shows that the risk value of the first account is lower than a set risk value, sending a second inquiry message to the first terminal.

The embodiment has the effect that in order to effectively control the risk and increase the supervision on the malicious fraud users, the risk level evaluation is carried out on the suspected fraud collection user before the scheme for the suspected fraud collection user to carry out the refund on the fraudulent payment user is executed. For example, only users whose risk level meets the condition (e.g., users whose risk level is below a certain threshold) are provided with the refund approach provided by the embodiments of the present application.

In practical applications, after the wind control server defines the payment authority of the first account as the locked state, the method may further include: and the wind control server sends notification information to the second terminal logged in with a second account, wherein the notification information is used for notifying that the transaction authority of the first account is limited to the locking state, and the second account is an account reporting the fraudulent transaction.

In practical applications, after the obtaining of the refund request initiated by the first terminal logged in with the first account (step S110), the method may further include: acquiring first identity information of a first user initiating the refund request; and judging whether the first user is a registered user of the first account or not based on the first identity information to obtain a second judgment result. And based on the second judgment result, when the second judgment result shows that the first user is the registered user of the first account, sending an inquiry message aiming at the refund request to a second terminal logged in with the second account. When the second judgment result indicates that the first user is not the registered account of the first account, the subsequent steps are not executed.

In practical applications, after the obtaining the operation accepting information sent by the second terminal (step S130), the method may further include: acquiring second identity information of a second user who inputs the operation receiving information; and judging whether the second user is a registered user of the second account or not based on the second identity information to obtain a third judgment result. And paying the money corresponding to the refund request from the first account to the second account when the third judgment result shows that the second user is the registered user of the second account based on the third judgment result. When the second judgment result indicates that the first user is not the registered account of the first account, the subsequent steps are not executed.

According to an embodiment, the first identity information may be used to identify whether a user currently operating the first terminal is a registered user of the first account. Specifically, the determination may be made by comparing the first identification information with registration information of a registered user of the first account. The second identification information may be used to identify whether a user currently operating the second terminal is a registered user of the second account. Specifically, the determination may be made by comparing the second identification information with registration information of a registered user of the second account.

The first identity information and/or the second identity information may be user biometric information, and specifically, may include face feature information, fingerprint information, iris information, voice information, and the like. Any biometric information that can be identified by the terminal and corresponds to the stored registered user information may be used. Optionally, the first identity information and/or the second identity information may also be password information, including a character string password, a gesture password, and the like, and may be used in a scenario in which the terminal cannot recognize the biometric information.

In the above embodiments, the identity verification operation for the user may be performed by the identity verification system. Optionally, the identity verification system may be located on an identity verification server, in this case, the registration information is stored in the identity verification server, the server may receive the first identification information sent by the terminal and compare the first identification information with the registered user information of the first account, and the server may receive the second identification information sent by the terminal and compare the second identification information with the registered user information of the second account, so as to obtain a determination result and send the determination result back to the corresponding terminal. Optionally, the identity verification system may also be located at a terminal, and in this case, the registration information may be stored on the terminal. Specifically, the first terminal may compare the first identification information with the registered user information of the first account, and the second terminal may compare the second identification information with the registered user information of the second account to obtain the determination result.

In a practical application scenario, it is necessary to determine whether the originating user of the return request is a registered user of the checkout account for the fraudulent transaction, and whether the user agreeing to receive the return is a registered user of the payment account for the fraudulent transaction. The return of the fraudulent money is only completed if the user initiating the return request is determined to be a registered user of the payment account for the fraudulent transaction and the user agreeing to receive the return is determined to be a registered user of the payment account for the fraudulent transaction. In the process, the user directly participates in the whole link decision, the scheme fully considers the dominance of the registered user on the amount of the personal account, and under the condition that the user rights and interests are guaranteed, the use experience of the user on the network transaction platform is improved.

In practical applications, after the payment of the money corresponding to the refund request from the first account to the second account (step S140), the method may further include: releasing the locked state for the first account. Specifically, the unlocking of the first account may be complete or partial, and the specific implementation may be determined according to the risk level of the first account.

In practical applications, after the payment of the money corresponding to the refund request from the first account to the second account (step S140), the method may further include: adding the first account to a high risk list database; and the risk control level of the wind control system on the accounts in the high risk list database is higher than the risk control level of the accounts not in the high risk list database.

In order to more clearly describe the network payment method provided in the embodiment of the present application, an interaction flowchart of the network payment method of the embodiment of the present application is shown in fig. 2.

As shown in fig. 2, in an embodiment of the network payment method, the following steps may be included:

step S201: the second terminal logged in with the second account (the payment account of the fraudulent transaction) sends reporting information to the wind control server;

step S202: the wind control server verifies the reported information to obtain a verification result;

step S203: when the verification result shows that the report information passes the verification, sending report confirmation information to the second terminal;

step S204: the wind control server locks a first account related in the reporting information;

step S205: sending account locking information to a first terminal logged with the first account;

step S206: the first terminal sends a refund application to a transaction server;

step S207: the transaction server sends a refund inquiry message to the second terminal;

step S208: the second terminal acquires the confirmation operation information of the user for the inquiry information;

step S209: the second terminal sends the confirmation operation information to the transaction server;

step S210: after the transaction server acquires the confirmation operation information, executing a money return operation;

step S211: the transaction server sends the completion information of the money return operation to the wind control server;

step S212: and the wind control server unlocks the first account after acquiring the completion information of the money return operation.

Step S213: and the wind control server adds the first account to a high risk list database and improves the risk control level of the subsequent transaction related to the first account.

The embodiment of the present application is not limited thereto, and the embodiment shown in fig. 2 is only used as a specific example, and some steps may be omitted, or additional steps may be added. For example, step 203, step 205, step 213, etc. may be omitted, and the scheme of the present application is still complete after these steps are omitted. For example, after step 206, an identity verification operation of the user operating the first terminal by the core System may be included, after step 209, an identity verification operation of the user operating the second terminal by the core System may be included, and before step 207, a security level analysis of the first user by the wind control System or the Safe _ SP System (Safe _ Select _ Person System) may be included, and whether to perform step 206 is decided according to the analysis result.

In addition, in the above-described embodiment, a plurality of determination/judgment steps are involved, and fig. 2 shows only an embodiment in which smooth refund of a fraudulent amount can be finally achieved. In addition, for example, the situation that the fraudulent transaction payer doesn't approve the repayment is also within the scope of the inventive concept of the present application, and belongs to the embodiments of the present application, and the details are not repeated herein.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method. Fig. 3 is a schematic structural diagram of a network payment apparatus provided in an embodiment of the present specification. As shown in fig. 3, the apparatus may include:

a refund request obtaining module 310, configured to obtain a refund request initiated by a first terminal logged in to a first account, where the refund request is used to request to refund to a second account, and the first account is a payee account determined to have a fraudulent transaction with the second account;

an inquiry message sending module 320, configured to send a first inquiry message for the rebate request to a second terminal logged in to the second account, where the first inquiry message is used to inquire whether a user of the second account accepts the rebate request;

an operation information obtaining module 330, configured to obtain operation accepting information sent by the second terminal, where the operation accepting information is used to indicate that a user of the second account agrees to accept a refund;

and the payment module 340 is configured to pay the money corresponding to the refund request from the first account to the second account.

The network transaction device for returning the fraud fund disclosed by the embodiment constructs an information intelligent communication scheme for interaction among the fraud party, the deceased party and the transaction platform party, so that the returning of the fraud fund can be successfully realized on the basis that the fraud party is willing to return the fund, and the fund interest of the deceased user is guaranteed under the condition that the transaction platform party does not violate related financial regulations.

In practical applications, with continued reference to fig. 3, the apparatus may further include:

the report information acquiring module 301 is configured to acquire report information sent by the second terminal before acquiring a refund request initiated by the first terminal based on a first account, where the report information is used to indicate that a completed transaction between the first account and the second account is a fraudulent transaction, and the second account is a payer account in the completed transaction;

a first determining module 302, configured to determine whether the fraudulent transaction is established, so as to obtain a first determination result;

and a locking module 303, configured to, when the first determination result indicates that the fraudulent transaction is established, limit the transaction right of the first account to a locked state, where in the locked state, the first account has a right to pay the second account, and the transaction right between the first account and another account is locked.

In practical applications, the apparatus may further include: the first identity information acquisition module is used for acquiring first identity information of a first user initiating a refund request after the refund request initiated by a first terminal logging in a first account is acquired; and the second judging module is used for judging whether the first user is a registered user of the first account or not based on the first identity information to obtain a second judging result.

According to an embodiment, the query message sending module 320 may be specifically configured to: when the second judgment result shows that the first user is the registered user of the first account, sending a query message aiming at the refund request to a second terminal logged in with the second account.

In practical applications, the apparatus may further include: the second identity information acquisition module is used for acquiring second identity information of a second user inputting the operation receiving information after acquiring the operation receiving information sent by the second terminal; a third judging module, configured to judge whether the second user is a registered user of the second account based on the second identity information, and obtain a third judgment result;

according to an embodiment, the payment module 340 may be specifically configured to: and when the third judgment result shows that the second user is the registered user of the second account, paying the money corresponding to the refund request from the first account to the second account.

In practical applications, with continued reference to fig. 3, the apparatus may further include: and the unlocking module 304 is used for unlocking the locking state of the first account after the money corresponding to the refund request is paid from the first account to the second account.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method.

Fig. 4 is a schematic structural diagram of a network payment device provided in an embodiment of the present specification. Specifically, the network payment device can comprise a transaction server, a wind control server and a mobile client.

As shown in fig. 4, when the apparatus 400 is a transaction server, the apparatus 400 may include:

at least one processor 410; and the number of the first and second groups,

a memory 430 communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory 430 stores instructions 420 executable by the at least one processor 410 to enable the transaction server to:

acquiring a refund request initiated by a first terminal logged in with a first account; the refund request is used for requesting to refund to a second account; the first account is a payee account determined to have a fraudulent transaction with the second account;

sending a first inquiry message aiming at the refund request to a second terminal logged in with the second account; the first inquiry message is used for inquiring whether the user of the second account accepts the refund request;

and paying the money corresponding to the refund request from the first account to the second account.

According to an embodiment, the transaction server is further capable of: and after the money corresponding to the refund request is paid to the second account by the first account, sending a refund completion message to a wind control server.

As shown in fig. 4, when the device 400 is a wind server, the device 400 may include:

at least one processor 410; and the number of the first and second groups,

the memory 430 stores instructions 420 executable by the at least one processor 410 to enable the wind control server to:

acquiring reporting information sent by a terminal logged in with a second account; the reporting information is used for indicating that the completed transaction between the second account and the first account is a fraudulent transaction, wherein the second account is a payer account in the completed transaction;

when the first judgment result shows that the fraudulent transaction is established, limiting the transaction authority of the first account to be in a locking state; in the locked state, the first account has the right to pay for the second account, and the transaction right between the first account and other accounts is locked.

According to an embodiment, the wind control server is further capable of: and after the refund completion message sent by the transaction server is obtained, the locking state of the first account is released.

As shown in fig. 4, when the device 400 is a mobile terminal, the device 400 may include:

at least one processor 410; and the number of the first and second groups,

the memory 430 stores instructions 420 executable by the at least one processor 410 to enable the mobile terminal to:

acquiring a refund request initiated by a user based on a first account; the refund request is used for requesting to refund to a second account; the first account is a payee account determined to have a fraudulent transaction with the second account; acquiring identity information of the user; judging whether the user is a registered user of the first account or not based on the identity information to obtain a first judgment result; and when the first judgment result shows that the user is a registered user of the first account, sending the refund request to a transaction server.

In an embodiment of the above mobile terminal, the mobile terminal is a mobile terminal logged with a first account being a collection account for fraudulent transactions. The mobile terminal can check the user identity, and sends a refund request to the transaction server when the current operating user is judged to be a registered user of the first account. The embodiment has the effects of ensuring that the refund request is expressed by the real meaning of the registered user of the first account, guaranteeing the legal interest of the registered user and improving the user use experience of the network transaction platform.

at least one processor 410; and the number of the first and second groups,

a memory 430 communicatively coupled to the at least one processor; wherein, the first and the second end of the pipe are connected with each other,

acquiring a query message sent by a transaction server; the inquiry message is used for inquiring whether a user of a second account logged on the mobile terminal accepts a refund; displaying a first operation option; the first operation option is used for acquiring the accepting operation of the user; acquiring operation accepting information input by a user based on the first operation option; acquiring identity information of the user; judging whether the user is a registered user of the second account or not based on the identity information to obtain a first judgment result; and when the first judgment result shows that the user is the registered user of the second account, sending the operation accepting information to the transaction server.

According to an embodiment, the at least one processor is further capable of: after the inquiry message sent by the transaction server is acquired, displaying a second operation option; the second operation option is used for obtaining rejection operation of the user; obtaining refusing operation information input by the user based on the second operation option; acquiring identity information of the user; judging whether the user is a registered user of the second account or not based on the identity information to obtain a second judgment result; and when the second judgment result shows that the user is the registered user of the second account, sending the refusal operation information to the transaction server.

In an embodiment of the above mobile terminal, the mobile terminal is a mobile terminal having a second account logged in as a payment account for a fraudulent transaction. The mobile terminal can check the user identity, and when the current operating user is judged to be the registered user of the second account, the mobile terminal sends the receiving operation information or the refusing operation information to the transaction server. The embodiment has the effects that the information of accepting or rejecting the refund is represented by the real meaning of the registered user of the second account, the legal rights and interests of the registered user are guaranteed, and the user use experience of the network transaction platform is improved.

Based on the same idea, the embodiment of the specification further provides a network payment system corresponding to the method. The system may include a transaction server and a wind control server:

the wind control server is used for acquiring reporting information sent by a second terminal logged in with a second account, wherein the reporting information is used for indicating that a completed transaction between a first account and the second account is a fraud transaction, and the second account is a payer account in the completed transaction; judging whether the fraud transaction is established or not to obtain a first judgment result; when the first judgment result shows that the fraud transaction is established, limiting the transaction authority of the first account to be a locked state, wherein in the locked state, the first account has the authority of paying to the second account, and the transaction authority between the first account and other accounts is locked;

the transaction server is used for acquiring a refund request initiated by a first terminal logged in with the first account, and the refund request is used for requesting to refund to the second account; sending a first inquiry message aiming at the refund request to the second terminal, wherein the first inquiry message is used for inquiring whether the user of the second account accepts the refund; acquiring operation accepting information sent by the second terminal, wherein the operation accepting information is used for indicating that the user of the second account agrees to accept the refund; paying the money corresponding to the refund request from the first account to the second account; sending a refund completion message to the wind control server;

Further, fig. 5 shows a schematic diagram of a network payment system according to an embodiment of the application.

As shown in fig. 5, in the embodiment of the application, a fraud fund returning system of a fraud transaction payer, a fraud transaction payee and a network transaction platform is constructed, so that three parties can perform sufficient information communication by using the network transaction platform as an information center, and two transaction parties can perform multi-level and three-dimensional information interaction, thereby comprehensively solving the problems of information inquiry requirements, account function limitation and the like of the two transaction parties in a fund returning process, realizing returning of fraud funds, and guaranteeing rights and interests of users.

In the system of the embodiment of the application, the network transaction platform is used as an information center and is a set of information system which can collect, process and judge the information sent by the user, the system can be internally provided with an information processing strategy, and the judgment result obtained according to the information processing strategy is output to the corresponding information receiving party. Specifically, the information collection, processing and decision center shown in fig. 5, as well as the trading system, the wind control system, the core system, the Safe _ SP system, etc., are all part of the information center of the network trading platform.

According to the embodiment of the application, the system for fraud fund return comprises three stages of fraud reporting, fund return and management and control upgrading. Specifically, in the fraud reporting stage, after a fraud transaction occurs, a payment side of the fraud transaction sends reporting information to the wind control system, and the wind control system controls the reported payee side. Thereafter, during the funds return phase, the payee actively sends a return request to the transaction system. And the information center decides whether to send the refund consultation to the payer, and the refund consultation is finished after the operation information of agreeing to the refund of the payer is obtained. In the event of a completed refund, the wind system contacts the payee's restrictions. Thereafter, the risk rating of the payee account is updated.

The traditional scene related to fraud transaction is usually limited to the communication between one user and a network transaction platform, the communication of information mostly depends on the telephone service mode of manual customer service, and the traditional scene related to fraud transaction has higher labor cost and is not intelligent. The technical scheme for returning the fraud fund provided by the embodiment of the application constructs a systematized and intelligent fraud fund returning system with good user experience on the basis that a fraud person is willing to return the fund.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as ABEL (Advanced Boolean Expression Language), AHDL (alternate Hardware Description Language), traffic, CUPL (core universal Programming Language), HDCal, jhddl (Java Hardware Description Language), lava, lola, HDL, PALASM, rhyd (Hardware Description Language), and vhigh-Language (Hardware Description Language), which is currently used in most popular applications. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium that stores computer readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

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.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the various elements may be implemented in the same one or more pieces of software and/or hardware in the practice of the present application.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention 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 has been 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

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 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 phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of other like elements in a process, method, article, or apparatus comprising the element.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

All 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 other embodiments. In particular, as for the system embodiment, since it is substantially similar to the method embodiment, the description is relatively simple, and reference may be made to the partial description of the method embodiment for relevant points.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present application shall be included in the scope of the claims of the present application.

Claims

1. A network payment method, comprising:

acquiring a refund request initiated by a first terminal logged in with a first account; the refund request is used for requesting to refund to a second account; the first account is a payee account determined to have a fraudulent transaction with the second account; the first account is in a locked state, in the locked state, the first account has the right to pay the second account, and the transaction right between the first account and other accounts is locked; the first account does not have the right to pay the other accounts;

2. The method of claim 1, wherein prior to the payment of the amount corresponding to the refund request from the first account to the second account, further comprising:

sending a first inquiry message aiming at the refund request to a second terminal logged in with the second account; the first inquiry message is used for inquiring whether the user of the second account accepts the refund;

acquiring operation receiving information sent by the second terminal; the acceptance operation information is used for indicating that the user of the second account agrees to accept the refund.

3. The method of claim 2, prior to obtaining the request for refund initiated by the first terminal logged into the first account, further comprising:

acquiring the report information sent by the second terminal; the reporting information is used for indicating that the completed transaction between the first account and the second account is a fraudulent transaction, wherein the second account is a payer account in the completed transaction;

and when the first judgment result shows that the fraudulent transaction is established, limiting the transaction authority of the first account to be in a locking state.

4. The method of claim 3, after the defining the payment rights of the first account as a locked state, further comprising:

sending account locking information to the first terminal through a wind control server; the account locking information is used for prompting that the transaction authority of the first account is limited to the locking state.

5. The method of claim 2, after obtaining the refund request initiated by the first terminal logged into the first account, further comprising:

acquiring first identity information of a first user initiating the refund request;

judging whether the first user is a registered user of the first account or not based on the first identity information to obtain a second judgment result;

the sending a first query message for the rebate request to a second terminal logged in with the second account specifically includes:

when the second judgment result shows that the first user is the registered user of the first account, sending a query message aiming at the refund request to a second terminal logged in with the second account.

6. The method according to claim 2, after obtaining the acceptance operation information sent by the second terminal, further comprising:

acquiring second identity information of a second user who inputs the operation receiving information;

judging whether the second user is a registered user of the second account or not based on the second identity information to obtain a third judgment result;

the paying the money corresponding to the refund request from the first account to the second account specifically includes:

and when the third judgment result shows that the second user is the registered user of the second account, paying the money corresponding to the refund request from the first account to the second account.

7. The method of claim 1, after the payment of the amount corresponding to the refund request from the first account to the second account, further comprising:

releasing the locked state for the first account.

8. The method of claim 1, after the payment of the amount corresponding to the refund request from the first account to the second account, further comprising:

adding the first account to a high risk list database; and the risk control level of the wind control system on the accounts in the high risk list database is higher than the risk control level of the accounts not in the high risk list database.

9. The method of claim 3, after the defining the payment rights of the first account as a locked state, further comprising:

sending a second query message to the first terminal; the second inquiry message is used for inquiring whether the user of the first account returns the money corresponding to the fraudulent transaction.

10. The method of claim 9, before sending the second query message to the first terminal, further comprising:

acquiring historical risk behavior data of the first account;

judging whether the risk value of the first account is higher than a set risk value or not based on the historical risk behavior data to obtain a fourth judgment result;

the sending of the second query message to the first terminal specifically includes:

and when the fourth judgment result shows that the risk value of the first account is lower than the set risk value, sending a second inquiry message to the first terminal.

11. A network payment method, comprising:

when the first judgment result shows that the fraudulent transaction is established, limiting the transaction authority of the first account to be in a locking state; in the locked state, the first account has the right to pay the second account, the transaction right between the first account and other accounts is locked, and the first account does not have the right to pay the other accounts.

12. The method of claim 11, after the defining the transaction right of the first account as a locked state, further comprising:

sending account locking information to a first terminal corresponding to the first account through a wind control server; the account locking information is used for prompting that the transaction authority of the first account is limited to the locking state.

13. The method of claim 11, after the defining the payment rights of the first account as a locked state, further comprising:

sending a second inquiry message to a first terminal corresponding to the first account; the second inquiry message is used for inquiring whether the user of the first account returns the money corresponding to the fraudulent transaction.

14. The method of claim 11, after the defining the transaction right of the first account as a locked state, further comprising:

acquiring a refund request initiated by a first terminal logged in with a first account; the refund request is used for requesting to refund to a second account;

15. The method of claim 14, after the payment of the amount corresponding to the refund request from the first account to the second account, further comprising:

releasing the locked state for the first account.

16. A network payment device, comprising:

the refund request acquisition module is used for acquiring a refund request initiated by a first terminal logged in with a first account; the refund request is used for requesting to refund to a second account; the first account is a payee account determined to have a fraudulent transaction with the second account; the first account is in a locked state, in the locked state, the first account has the right to pay the second account, and the transaction right between the first account and other accounts is locked; the first account does not have the right to pay the other accounts;

and the payment module is used for paying the money corresponding to the refund request from the first account to the second account.

17. The apparatus of claim 16, the apparatus further comprising:

the inquiry message sending module is used for sending a first inquiry message aiming at the refund request to a second terminal which is logged in with the second account; the first inquiry message is used for inquiring whether the user of the second account accepts the refund request;

the operation information acquisition module is used for acquiring operation receiving information sent by the second terminal; the acceptance operation information is used for indicating that the user of the second account agrees to accept the refund.

18. A network payment device, comprising:

the report information acquisition module is used for acquiring report information sent by a terminal logged in with a second account; the reporting information is used for indicating that the completed transaction between the second account and the first account is a fraudulent transaction, wherein the second account is a payer account in the completed transaction;

the first judgment module is used for judging whether the fraud transaction is established or not to obtain a first judgment result;

the locking module is used for limiting the transaction authority of the first account to be in a locking state when the first judgment result shows that the fraudulent transaction is established; in the locked state, the first account has the right to pay the second account, the transaction right between the first account and other accounts is locked, and the first account does not have the right to pay the other accounts.

19. A transaction server, comprising:

at least one processor; and the number of the first and second groups,

the memory stores instructions executable by the at least one processor to enable the transaction server to:

20. The transaction server of claim 19, the instructions being executable by the at least one processor to cause the transaction server to further:

21. The transaction server of claim 19, the instructions being executable by the at least one processor to enable the transaction server to further:

and after the money corresponding to the refund request is paid to the second account by the first account, sending a refund completion message to a wind control server.

22. A wind-controlled server, comprising:

at least one processor; and the number of the first and second groups,

defining a transaction right of the first account as a locked state; in the locked state, the first account has the right to pay the second account, the transaction right between the first account and other accounts is locked, and the first account does not have the right to pay the other accounts.

23. The wind control server of claim 22, the instructions being executable by the at least one processor to cause the wind control server to further:

and after the refund completion message sent by the transaction server is acquired, the locking state of the first account is released.

24. A mobile terminal, comprising:

at least one processor; and the number of the first and second groups,

acquiring a refund request initiated by a user based on a first account; the refund request is used for requesting to refund to a second account; the first account is a payee account determined to have a fraudulent transaction with the second account; the first account is in a locked state, in the locked state, the first account has the authority of paying to the second account, and the transaction authority between the first account and other accounts is locked; the first account does not have the right to pay the other accounts;

and sending the refund request to a transaction server.

25. A mobile terminal, comprising:

at least one processor; and the number of the first and second groups,

acquiring an inquiry message sent by a transaction server; the inquiry message is used for inquiring whether a user of a second account logged on the mobile terminal accepts the refund of the first account; the first account is a payee account determined to have a fraudulent transaction with the second account; the first account is in a locked state, in the locked state, the first account has the right to pay the second account, and the transaction right between the first account and other accounts is locked; the first account does not have the right to pay the other accounts;

displaying a first operation option; the first operation option is used for acquiring the accepting operation of the user;

acquiring operation accepting information input by a user based on the first operation option;

and sending the receiving operation information to the transaction server.

26. A network payment system comprising:

a transaction server and a wind control server;

the wind control server is used for acquiring the reporting information sent by the second terminal logged in the second account; the reporting information is used for indicating that the completed transaction between the first account and the second account is a fraudulent transaction, wherein the second account is a payer account in the completed transaction;

defining a transaction right of the first account as a locked state; in the locked state, the first account has the right to pay the second account, and the transaction right between the first account and other accounts is locked; the first account does not have the right to pay the other accounts;

sending a refund completion message to the wind control server;