CN114386984B - Risk payment processing method and device, electronic equipment and readable storage medium - Google Patents
Risk payment processing method and device, electronic equipment and readable storage medium Download PDFInfo
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- CN114386984B CN114386984B CN202210285008.1A CN202210285008A CN114386984B CN 114386984 B CN114386984 B CN 114386984B CN 202210285008 A CN202210285008 A CN 202210285008A CN 114386984 B CN114386984 B CN 114386984B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The invention provides a processing method and device of risk payment, electronic equipment and a readable storage medium, wherein the method comprises the following steps: receiving a payment request, wherein the payment request at least comprises information of a paid party in the payment; performing first verification on the information of the paid party according to a preset risk rule; if the first verification is unsafe, stopping the payment process, generating a verification report according to the result of the first verification, and sending the verification report to an interaction end associated with the payer in the payment, wherein the verification report at least comprises an unsafe affair and an information loop for receiving feedback of the payer; and if the first verification is safe, executing a payment process according to the payment request to complete the payment. The payment request is checked by adopting the preset risk rule, the verification report is sent to the interactive end associated with the payer aiming at the unsafe request, and the feedback of the payer is received, so that the processing efficiency of the risk payment is improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of computers, in particular to a processing method and device of risk payment, electronic equipment and a readable storage medium.
Background
At present, the service and management organization of payment business usually processes offline for risky payment requests, that is: the payment request is checked, and the at-risk payment request is temporarily suspended (suspended) and then reconciled with the payer and the payee to investigate the risk.
The conventional risk payment processing is manual investigation, the coordination process is complicated, and the processing efficiency is low.
Disclosure of Invention
The embodiment of the invention provides a processing method and device of risk payment, electronic equipment and a readable storage medium, and aims to solve the problems that the existing risk payment processing is manually intervened, the coordination process is complicated, and the processing efficiency is low.
In order to solve the technical problem, the invention is realized as follows:
in a first aspect, an embodiment of the present invention provides a processing method for risk payment, including:
receiving a payment request, wherein the payment request at least comprises information of a paid party in the payment;
performing first verification on the information of the paid party according to a preset risk rule;
if the first verification is unsafe, stopping a payment process, generating a verification report according to the result of the first verification, and sending the verification report to an interaction end associated with a payer in the payment, wherein the verification report at least comprises an unsafe affair and an information loop used for receiving feedback of the payer;
and if the first verification is safe, executing a payment process according to the payment request to complete the payment.
Alternatively,
sending the verification report to an interactive terminal associated with the payer in the payment, and then further comprising:
after receiving the payer feedback, performing second verification on the payer feedback according to the preset risk rule;
if the second verification is not safe, the payment process is terminated, and at least one of the following payments is stored in the remote server: the payment request, the validation report, the payer feedback, and a validation result of the second validation;
and if the second verification is safe, executing a payment process according to the payment request to complete the payment.
Alternatively,
performing a second verification on the payer feedback according to the preset risk rule, including:
identifying a data type of the payer feedback;
if the recognition result is a character, performing second verification on the payer feedback according to the preset risk rule;
and if the recognition result is an image, extracting information to be verified from the payer feedback by adopting Optical Character Recognition (OCR), wherein the data type of the information to be verified is a character, and performing second verification on the information to be verified according to the preset risk rule.
Alternatively,
if the second verification is not safe, the method further comprises the following steps:
and C, the information of the paid party is classified into a blacklist, and the payment process is terminated after the payment request associated with the paid party is received again.
Alternatively, the first and second liquid crystal display panels may be,
sending the verification report to an interactive terminal associated with the payer in the payment, and then further comprising:
calculating the time interval between the sending time of the verification report and the current time in real time;
and under the condition that the feedback of the payer is not received and the time interval exceeds a preset time interval threshold, terminating the payment process, and storing at least one of the following payments in the remote server: the payment request, the verification report.
Alternatively,
the verification report further includes at least one of: the time when the payment request is received, the serial number of the payment request, the name of the payee and the collection channel of the payee.
In a second aspect, an embodiment of the present invention provides a processing apparatus for risk payment, including:
the payment processing device comprises a receiving module, a payment processing module and a payment processing module, wherein the receiving module is used for receiving a payment request, and the payment request at least comprises information of a paid party in the payment;
the first verification module is used for performing first verification on the information of the paid party according to a preset risk rule;
the first execution module is used for stopping a payment process if the first verification is unsafe, generating a verification report according to the result of the first verification, and sending the verification report to an interaction end associated with a payer in the payment, wherein the verification report at least comprises an unsafe affair route and an information loop used for receiving feedback of the payer;
and the first execution module is further used for executing a payment process according to the payment request to complete the payment if the first verification is safe.
Optionally, the processing apparatus for risk payment further includes:
the second verification module is used for performing second verification on the payer feedback according to the preset risk rule after receiving the payer feedback;
a second execution module, configured to terminate the payment process if the second verification indicates that the payment process is unsafe, and store at least one of the following payments in the remote server: the payment request, the verification report, and the payer feedback;
and the second execution module is also used for executing a payment process according to the payment request to complete the payment if the second verification is safe.
In a third aspect, an embodiment of the present invention provides an electronic device, including a processor, a memory, and a program or instructions stored on the memory and executable on the processor, where the program or instructions, when executed by the processor, implement the steps in the processing method for risk payment according to any one of the first aspect.
In a fourth aspect, the embodiment of the present invention provides a readable storage medium, on which a program or instructions are stored, which when executed by a processor implement the steps in the processing method for risk payment according to any one of the first aspect.
In the embodiment of the invention, the payment request is checked by adopting the preset risk rule, the verification report is sent to the interactive end associated with the payer aiming at the unsafe request, and the feedback of the payer is received, so that the processing efficiency of the risk payment is improved; because the embodiment of the invention does not need manual risk-investigation payment, the contact of investigation personnel with the payment data containing private information of the payer and the payee is avoided, the risk of the payment data being leaked by the investigation personnel is reduced, and the safety of the payment data is ensured; because the embodiment of the invention does not need manual investigation of risk payment, the error caused by human error of the investigator is avoided, and the accuracy of risk payment processing is improved.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a flow chart of a risk payment processing method according to an embodiment of the present invention;
FIG. 2 is a second flowchart illustrating a risk payment processing method according to an embodiment of the present invention;
FIG. 3 is a third schematic flowchart of a risk payment processing method according to an embodiment of the present invention;
FIG. 4 is a fourth flowchart illustrating a risk payment processing method according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of an internal structure of a risk payment processing apparatus according to an embodiment of the present invention;
fig. 6 is a schematic diagram of an internal structure of an electronic device according to an embodiment of the present 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 some, but not all, embodiments of the present invention. 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.
An embodiment of the present invention provides a processing method for risk payment, and as shown in fig. 1, fig. 1 is a schematic flow diagram of the processing method for risk payment according to the embodiment of the present invention, where the processing method includes:
step 11: receiving a payment request, wherein the payment request at least comprises information of a paid party in the payment;
step 12: performing first verification on the information of the paid party according to a preset risk rule;
step 13: if the first verification is unsafe, stopping the payment process, generating a verification report according to the result of the first verification, and sending the verification report to an interaction end associated with the payer in the payment, wherein the verification report at least comprises an unsafe event and an information loop used for receiving feedback of the payer;
step 14: and if the first verification is safe, executing a payment process according to the payment request to complete the payment.
In some embodiments of the invention, optionally, the risk rules include both risk rules for the payer and risk rules for the payee,
for example, when the name of the principal of the payer is not consistent with the name of the principal of the payee, and there is a name consistency between the director of the payer (director of the director: director, supervisor, senior manager) and the principal of the payee, the first verification determines that the payment request is not safe according to the risk rule, terminates the payment process, and sends a verification report to the payer.
In some embodiments of the invention, optionally, the risk rules are formulated according to laws and regulations applicable to the rules;
for example, where the payment request relates to domestic payments only, and the rules are suitably domestic, the risk rules are enacted according to domestic laws and regulations.
For example, if the payment request relates to payment between domestic and foreign countries (regions), and the rules are applicable to domestic and foreign countries (regions), the risk rules need to be made according to domestic laws and regulations, laws and regulations in the foreign countries (regions), cross-border trade settlement agreements signed by China and the foreign countries (regions), cross-border trade settlement agreements entered in China and the foreign countries (regions), and the like.
Legal regulations are to be construed broadly, for example, domestic legal regulations refer to active domestic laws, administrative regulations, judicial interpretations, local regulations, departmental regulations and other normative documents, as well as occasional amendments and additions to such legal regulations.
In some embodiments of the invention, optionally, the payment request may include a description of the payment process, namely: the payer may specify the payment procedure to be followed for this payment when issuing a payment request.
In some embodiments of the invention, the payment process may optionally be a payment process agreed upon with the payer in advance,
for example, by agreement in advance: the paying party is suitable for a paying process A to a plurality of paid parties, and the paying party is suitable for a paying process B to a plurality of paid parties, so that a plurality of paying processes suitable for different paid parties are agreed in advance through protocols. After receiving the payment request, confirming which payment process is adopted according to the information of the payee contained in the payment request.
For example, by agreement in advance: a first amount threshold, wherein the first payment process is applicable to the condition that the payment amount does not exceed the first amount threshold; and under the condition that the payment amount exceeds the first amount threshold value, the method is applicable to a second payment process, and a plurality of amount threshold values and a plurality of corresponding payment processes are agreed in advance through a protocol. After receiving the payment request, determining an applicable payment process according to the payment amount.
In some embodiments of the invention, optionally, the information loop may be at least one of: the text box, email address, and network link may be edited.
In the embodiment of the invention, the payment request is checked by adopting the preset risk rule, the verification report is sent to the interactive end associated with the payer aiming at the unsafe request, and the feedback of the payer is received, so that the processing efficiency of the risk payment is improved; because the embodiment of the invention does not need manual risk-investigation payment, the contact of investigation personnel with the payment data containing private information of the payer and the payee is avoided, the risk of the payment data being leaked by the investigation personnel is reduced, and the safety of the payment data is ensured; because the embodiment of the invention does not need manual investigation of risk payment, the error caused by human error of the investigator is avoided, and the accuracy of risk payment processing is improved.
In some embodiments of the present invention, optionally, referring to fig. 2, fig. 2 is a second flowchart of the processing method for risk payment in the embodiment of the present invention, where sending the verification report to an interactive end associated with a payer in the current payment, and then further includes:
step 21: after receiving the payer feedback, performing second verification on the payer feedback according to a preset risk rule;
step 22: if the second verification is unsafe, the payment process is terminated, and at least one of the following payments is stored in the remote server: the payment request, the verification report, the payer feedback and the verification result of the second verification;
step 23: and if the second verification is safe, executing a payment process according to the payment request to complete the payment.
For example, in the case where the name of the principal of the payer is not identical to the name of the principal of the payee, and there is an agreement between names of the board members of the payer (board members: board, prisoner, senior manager) and the principal of the payee, the first verification judges that the payment request is not secure according to the risk rules, terminates the payment process, and sends a verification report to the payer. And the feedback of the payer comprises the resident identification numbers of the board of director high members with the same names, second verification is carried out on the resident identification numbers according to risk rules, if the resident identification numbers of the board of director high members with the same names of the payer are not consistent, the second verification is safe, and a payment process is executed according to the payment request to complete the payment.
In some embodiments of the present invention, optionally, if the second verification is safe, at least one of the following payments is stored in the remote server: the payment request, the verification report, the payer feedback, and a verification result of a second verification.
The setting of storing the processing information of the payment to the remote server eliminates the potential safety hazard that the information cannot be traced after the local equipment is lost; the risk of information leakage from local equipment is avoided; the information can be obtained by acquiring the corresponding local equipment, and the user can conveniently trace the information paid this time by accessing the remote server.
In some embodiments of the present invention, optionally referring to fig. 3, fig. 3 is a third flowchart of a processing method for risk payment in an embodiment of the present invention, where performing a second verification on a payer feedback according to a preset risk rule includes:
step 31: identifying the data type fed back by the payer;
step 32: if the recognition result is a character, performing second verification on the payer feedback according to a preset risk rule;
step 33: and if the recognition result is an image, extracting the information to be verified from the feedback of the payer by adopting Optical Character Recognition (OCR), wherein the data type of the information to be verified is a character, and performing second verification on the information to be verified according to a preset risk rule.
OCR (Optical Character Recognition) refers to a process in which an electronic device (e.g., a scanner or a digital camera) checks a Character printed on paper, determines its shape by detecting dark and light patterns, and then translates the shape into a computer text by a Character Recognition method; the method is characterized in that characters in a paper document are converted into an image file with a black-white dot matrix in an optical mode aiming at print characters, and the characters in the image are converted into a text format through recognition software for further editing and processing by word processing software. How to debug or use auxiliary information to improve recognition accuracy is the most important issue of OCR, and the term of icr (intelligent Character recognition) is generated accordingly. The main indicators for measuring the performance of an OCR system are: the rejection rate, the false recognition rate, the recognition speed, the user interface friendliness, the product stability, the usability, the feasibility and the like.
For example, when the name of the principal of the payer is not consistent with the name of the principal of the payee, and there is a name consistency between the director of the payer (director of the director: director, supervisor, senior manager) and the principal of the payee, the first verification determines that the payment request is not safe according to the risk rule, terminates the payment process, and sends a verification report to the payer. The feedback of the payer comprises resident identification card photos of the director-raising members with the same name, the optical character recognition OCR extracts information to be verified from the resident identification card photos, the information to be verified is the resident identification card numbers of the director-raising members with the same name, the resident identification card numbers are subjected to second verification according to risk rules, if the resident identification card numbers of the payer and the director-raising members with the same name of the payer are not consistent, the second verification is safe, and a payment process is executed according to a payment request to complete the payment.
The second verification stagnation caused by the fact that the payer cannot directly read the information when feeding back the non-characters is avoided through the arrangement, and the verification efficiency is improved.
In some embodiments of the present invention, optionally, if the second verification is not secure, the method further includes:
and C, the information of the paid party is classified into a blacklist, and the payment process is terminated after the payment request associated with the paid party is received again.
The arrangement avoids repeated processing of unsafe payment requests through the blacklist, reduces processing burden and is beneficial to improving the processing efficiency of risk payment.
In some embodiments of the present invention, optionally, if the second verification is safe, the method further includes:
and the information of the party to be paid is classified into a white list, and after the payment request which is sent by the same interactive terminal and is associated with the payer is received again, a payment process is executed according to the payment request to finish the secondary payment.
The white list is arranged, so that multiple rounds of verification on the payment request with the risk eliminated are avoided, the processing burden is reduced, and the processing efficiency is improved.
In some embodiments of the present invention, optionally, referring to fig. 4, fig. 4 is a fourth flowchart of a processing method of a risk payment in an embodiment of the present invention, where sending a verification report to an interaction end associated with a payer in the current payment, and then further includes:
step 41: calculating the time interval between the sending time of the verification report and the current time in real time;
step 42: under the condition that the feedback of the payer is not received and the time interval exceeds a preset time interval threshold, the payment process is terminated, and at least one of the following payments is stored in the remote server: payment request, verification report.
The arrangement avoids long-term occupation of processing resources due to the fact that feedback of the payer is not received, improves resource utilization efficiency, reduces processing burden, and is beneficial to improving processing efficiency of risk payment. In addition, the information of the payment is stored in the remote server, so that the potential safety hazard that the information cannot be traced after the local equipment is lost is eliminated; the risk of information leakage from local equipment is avoided; the information can be obtained by acquiring the corresponding local equipment, and the user can conveniently trace the information paid this time by accessing the remote server.
In some embodiments of the invention, optionally, the verification report further comprises at least one of: the time when the payment request is received, the serial number of the payment request, the name of the payee and the collection channel of the payee.
In some embodiments of the invention, optionally, the verification report further comprises at least one of: the mobile phone number of the payee, the bank account number of the payee, the resident identification number of the payee and the payment amount of the payment.
An embodiment of the present invention provides a processing apparatus for risk payment, as shown in fig. 5, fig. 5 is a schematic diagram of an internal structure of the processing apparatus 50 for risk payment according to the embodiment of the present invention, where the processing apparatus 50 for risk payment includes:
a receiving module 51, configured to receive a payment request, where the payment request at least includes information of a payee in the current payment;
the first verification module 52 is used for performing first verification on the information of the payee according to a preset risk rule;
the first execution module 53 is configured to terminate the payment process if the first verification is insecure, generate a verification report according to a result of the first verification, and send the verification report to an interaction end associated with the payer in the current payment, where the verification report at least includes an insecure cause and an information loop for receiving feedback from the payer;
the first executing module 53 is further configured to execute a payment process according to the payment request to complete the payment if the first verification is safe.
In some embodiments of the present invention, optionally, the processing device 50 for risk payment comprises:
the second verification module 54 is configured to perform second verification on the payer feedback according to a preset risk rule after receiving the payer feedback;
a second executing module 55, configured to terminate the payment process if the second verification result is that the payment process is not safe, and store at least one of the following payments in the current payment to the remote server: the payment request, the verification report, the payer feedback and the verification result of the second verification;
the second executing module 55 is further configured to execute the payment process according to the payment request to complete the payment if the second verification is safe.
In some embodiments of the present invention, the first and second electrodes are, optionally,
a second verification module 54, further configured to identify a data type of the payer feedback;
the second verification module 54 is further configured to perform a second verification on the payer feedback according to the preset risk rule if the recognition result is a character;
the second verification module 54 is further configured to, if the recognition result is an image, extract information to be verified from the payer feedback by using optical character recognition OCR, where a data type of the information to be verified is a character, and perform second verification on the information to be verified according to the preset risk rule.
In some embodiments of the present invention, the first and second electrodes are, optionally,
the second executing module 55 is further configured to credit the payee information in a blacklist, and terminate the payment process after receiving the payment request associated with the payee again.
In some embodiments of the present invention, the first and second electrodes are, optionally,
the first execution module 53 is further configured to calculate, in real time, a time interval between the sending time of the verification report and the current time;
the first executing module 53 is further configured to terminate the payment process and store at least one of the following payments in the remote server when the feedback of the payer is not received and the time interval exceeds a preset time interval threshold: the payment request, the verification report.
The processing apparatus 50 for risk payment provided in this embodiment of the application can implement each process implemented by the method embodiments of fig. 1 to fig. 4, and achieve the same technical effect, and for avoiding repetition, details are not described here again.
An electronic device 60 is provided in an embodiment of the present invention, referring to fig. 6, fig. 6 is a schematic diagram of an internal structure of the electronic device 60 in the embodiment of the present invention, and includes a processor 61, a memory 62, and a program or an instruction stored on the memory 62 and executable on the processor 61, where the program or the instruction implements a step in any processing method for risk payment in the present invention when executed by the processor.
The embodiment of the present invention provides a readable storage medium, where a program or an instruction is stored on the readable storage medium, and when the program or the instruction is executed by a processor, the program or the instruction implements each process of the embodiment of the processing method for risk payment, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here.
The readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.
While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.
Claims (8)
1. A method for processing an inauguration payment, characterized by: the method comprises the following steps:
receiving a payment request, wherein the payment request at least comprises information of a paid party in the payment;
performing first verification on the information of the paid party according to a preset risk rule; the risk rules comprise a risk rule for a payer and a risk rule for a payee, the name of a principal of the payer is not consistent with the name of a principal of the payee, and the first verification judges that the payment request is unsafe according to the risk rules when the names of the director member of the payer and the payee are consistent;
if the first verification is unsafe, stopping a payment process, generating a verification report according to the result of the first verification, and sending the verification report to an interaction end associated with a payer in the payment, wherein the verification report at least comprises an unsafe affair and an information loop used for receiving feedback of the payer;
if the first verification is safe, executing a payment process according to the payment request to complete the payment;
sending the verification report to an interactive terminal associated with the payer in the payment, and then further comprising:
after receiving the payer feedback, performing second verification on the payer feedback according to the preset risk rule;
if the second verification is not safe, the payment process is terminated, and at least one of the following payments is stored in the remote server: the payment request, the validation report, the payer feedback, and a validation result of the second validation;
and if the second verification is safe, executing a payment process according to the payment request to complete the payment.
2. The method of processing a Risk Payment according to claim 1, wherein:
performing a second verification on the payer feedback according to the preset risk rule, including:
identifying a data type of the payer feedback;
if the recognition result is a character, performing second verification on the payer feedback according to the preset risk rule;
and if the recognition result is an image, extracting information to be verified from the payer feedback by adopting Optical Character Recognition (OCR), wherein the data type of the information to be verified is a character, and performing second verification on the information to be verified according to the preset risk rule.
3. The method of processing a Risk Payment according to claim 1, wherein:
if the second verification is not safe, the method further comprises the following steps:
and C, the information of the paid party is classified into a blacklist, and the payment process is terminated after the payment request associated with the paid party is received again.
4. The method of processing a Risk Payment according to claim 1, wherein:
sending the verification report to an interactive terminal associated with the payer in the payment, and then further comprising:
calculating the time interval between the sending time of the verification report and the current time in real time;
under the condition that the feedback of the payer is not received and the time interval exceeds a preset time interval threshold, terminating the payment process, and storing at least one of the following payments in the current time to a remote server: the payment request, the verification report.
5. The method of processing a Risk Payment according to claim 1, wherein:
the verification report further includes at least one of: the time when the payment request is received, the serial number of the payment request, the name of the payee and the collection channel of the payee.
6. A processing apparatus for risk payment, characterized by: the method comprises the following steps:
the payment processing device comprises a receiving module, a payment processing module and a payment processing module, wherein the receiving module is used for receiving a payment request, and the payment request at least comprises information of a paid party in the payment;
the first verification module is used for performing first verification on the information of the paid party according to a preset risk rule; the risk rules comprise a risk rule for a payer and a risk rule for a payee, the name of a principal of the payer is not consistent with the name of a principal of the payee, and the first verification judges that the payment request is unsafe according to the risk rules when the names of the director member of the payer and the payee are consistent;
the first execution module is further configured to terminate a payment process if the first verification is unsafe, generate a verification report according to a result of the first verification, and send the verification report to an interaction end associated with a payer in the current payment, where the verification report at least includes an unsafe event and an information loop used for receiving feedback from the payer;
the first execution module is further configured to execute a payment process according to the payment request to complete the payment if the first verification is safe;
the second verification module is used for performing second verification on the payer feedback according to the preset risk rule after receiving the payer feedback;
a second execution module, configured to terminate the payment process if the second verification indicates that the payment process is unsafe, and store at least one of the following payments in the remote server: the payment request, the verification report, and the payer feedback;
and the second execution module is further used for executing a payment process according to the payment request to complete the payment if the second verification is safe.
7. An electronic device, characterized in that: comprising a processor, a memory and a program or instructions stored on the memory and executable on the processor, which program or instructions, when executed by the processor, carry out the steps in the method of processing a risk payment according to any one of claims 1 to 5.
8. A readable storage medium, characterized by: the readable storage medium stores thereon a program or instructions which, when executed by a processor, implement the steps in the method of processing a risky payment according to any one of claims 1 to 5.
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Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110378695A (en) * | 2019-06-19 | 2019-10-25 | 深圳壹账通智能科技有限公司 | Bank card payment method, device, equipment and computer storage medium |
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| CN111222888A (en) * | 2020-01-15 | 2020-06-02 | 深圳耀宇信息技术有限公司 | Biological mixed feature payment method applied to intelligent POS machine |
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| CN112884466A (en) * | 2020-09-23 | 2021-06-01 | 周海婷 | Block chain link point verification method applied to block chain payment and readable storage medium |
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| CN110378695A (en) * | 2019-06-19 | 2019-10-25 | 深圳壹账通智能科技有限公司 | Bank card payment method, device, equipment and computer storage medium |
| CN110458662A (en) * | 2019-08-06 | 2019-11-15 | 西安纸贵互联网科技有限公司 | Anti- fraud air control method and device |
| CN111222888A (en) * | 2020-01-15 | 2020-06-02 | 深圳耀宇信息技术有限公司 | Biological mixed feature payment method applied to intelligent POS machine |
| CN112837053A (en) * | 2021-01-29 | 2021-05-25 | 支付宝(杭州)信息技术有限公司 | Payment processing method and device |
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