CN114445064A

CN114445064A - Payment authorization method and device

Info

Publication number: CN114445064A
Application number: CN202210103291.1A
Authority: CN
Inventors: 刘巧; 张涛; 姜明宇; 郭小成; 王骏
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: AlipayCom Co ltd
Priority date: 2022-01-27
Filing date: 2022-01-27
Publication date: 2022-05-06

Abstract

The embodiment of the specification provides a payment authorization method and a device, wherein the payment authorization method comprises the following steps: acquiring a target user carrying out authorization invitation sent by a first terminal of an associated user and a payment confirmation strategy configured for the target user; sending authorization invitation information carrying the payment confirmation strategy to a second terminal of the target user, and receiving a confirmation instruction of the authorization invitation information sent by the second terminal; and establishing a payment authorization relation between the associated user and the target user based on the confirmation instruction so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation strategy.

Description

Payment authorization method and device

Technical Field

The present document relates to the field of data processing technologies, and in particular, to a payment authorization method and apparatus.

Background

With the continuous development of the internet, more and more users start to step into and use the internet, and the demand of the users for internet payment is also continuously increased. In the using process of internet payment, because old users have difficulty in using the internet, phishing for the old users is endless, and because the self-control ability of some teenagers or college students facing the internet is insufficient, the internet payment is unlimited.

Disclosure of Invention

One or more embodiments of the present specification provide a payment authorization method, including: the method comprises the steps of obtaining a target user carrying out authorization invitation sent by a first terminal of an associated user and a payment confirmation strategy configured for the target user. And sending authorization invitation information carrying the payment confirmation strategy to a second terminal of the target user, and receiving a confirmation instruction of the authorization invitation information sent by the second terminal. And establishing a payment authorization relation between the associated user and the target user based on the confirmation instruction so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation strategy.

One or more embodiments of the present specification provide a payment confirmation processing method, applied to a server, including: and receiving a payment request submitted by a second terminal of the target user for the target transaction. And performing association verification on the payment request according to a payment confirmation strategy configured by an associated user establishing a payment authorization relation with the target user aiming at the target user. And if the associated verification result is that the payment request triggers the payment confirmation strategy, sending a payment confirmation prompt to the first terminal of the associated user. And acquiring the identity authentication information of the target user and carrying out payment processing on the target transaction according to a payment confirmation instruction submitted by the associated user aiming at the payment confirmation prompt.

One or more embodiments of the present specification provide another payment confirmation processing method, applied to a first terminal, including: and receiving a payment confirmation prompt sent by the server aiming at the payment request of the target user in the target transaction. Obtaining a payment confirmation instruction submitted by the associated user for the payment confirmation reminder; and the associated user and the target user establish a payment authorization relationship and are configured with a payment confirmation strategy aiming at the target user. Sending the payment confirmation instruction to the server; and the payment confirmation prompt is sent after the payment request triggers the payment confirmation strategy and before the identity authentication information of the target user is acquired.

One or more embodiments of the present specification provide a payment authorization apparatus, including: the system comprises a policy acquisition module and a payment confirmation policy configuration module, wherein the policy acquisition module is configured to acquire a target user who carries out authorization invitation and is sent by a first terminal of an associated user, and the payment confirmation policy is configured for the target user. And the invitation information sending module is configured to send authorization invitation information carrying the payment confirmation policy to a second terminal of the target user and receive a confirmation instruction of the authorization invitation information sent by the second terminal. And the authorization relation establishing module is configured to establish a payment authorization relation between the associated user and the target user based on the confirmation instruction so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation strategy.

One or more embodiments of the present specification provide a payment confirmation processing apparatus, operating on a server, including: a payment request receiving module configured to receive a payment request submitted by a second terminal of the target user for the target transaction. And the associated verification module is configured to perform associated verification on the payment request according to a payment confirmation strategy configured by an associated user establishing a payment authorization relation with the target user aiming at the target user. And if the associated verification result is that the payment request triggers the payment confirmation strategy, operating a confirmation prompt sending module, wherein the confirmation prompt sending module is configured to send a payment confirmation prompt to the first terminal of the associated user. And the payment processing module is configured to acquire the identity authentication information of the target user and perform payment processing on the target transaction according to a payment confirmation instruction submitted by the associated user for the payment confirmation prompt.

One or more embodiments of the present specification provide another payment confirmation processing apparatus, operating in a first terminal, including: and the confirmation reminder receiving module is configured to receive a payment confirmation reminder sent by the server aiming at the payment request of the target user in the target transaction. A confirmation instruction acquisition module configured to acquire a payment confirmation instruction submitted by the associated user for the payment confirmation reminder; and the associated user and the target user establish a payment authorization relationship and are configured with a payment confirmation strategy aiming at the target user. A confirmation instruction sending module configured to send the payment confirmation instruction to the server; and the payment confirmation prompt is sent after the payment request triggers the payment confirmation strategy and before the identity authentication information of the target user is acquired.

One or more embodiments of the present specification provide a payment authorization apparatus comprising: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: the method comprises the steps of obtaining a target user carrying out authorization invitation sent by a first terminal of an associated user and a payment confirmation strategy configured for the target user. And sending authorization invitation information carrying the payment confirmation strategy to a second terminal of the target user, and receiving a confirmation instruction of the authorization invitation information sent by the second terminal. And establishing a payment authorization relation between the associated user and the target user based on the confirmation instruction so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation strategy.

One or more embodiments of the present specification provide a payment confirmation processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and receiving a payment request submitted by a second terminal of the target user for the target transaction. And performing association verification on the payment request according to a payment confirmation strategy configured by an associated user establishing a payment authorization relation with the target user aiming at the target user. And if the associated verification result is that the payment request triggers the payment confirmation strategy, sending a payment confirmation prompt to the first terminal of the associated user. And acquiring the identity authentication information of the target user and carrying out payment processing on the target transaction according to a payment confirmation instruction submitted by the associated user aiming at the payment confirmation prompt.

One or more embodiments of the present specification provide another payment confirmation processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and receiving a payment confirmation prompt sent by the server aiming at the payment request of the target user in the target transaction. Obtaining a payment confirmation instruction submitted by the associated user for the payment confirmation reminder; and the associated user and the target user establish a payment authorization relation and configure a payment confirmation strategy aiming at the target user. Sending the payment confirmation instruction to the server; and the payment confirmation prompt is sent after the payment request triggers the payment confirmation strategy and before the identity authentication information of the target user is acquired.

One or more embodiments of the present specification provide a first storage medium storing computer-executable instructions that, when executed by a processor, implement the following: the method comprises the steps of obtaining a target user carrying out authorization invitation sent by a first terminal of an associated user and a payment confirmation strategy configured for the target user. And sending authorization invitation information carrying the payment confirmation strategy to a second terminal of the target user, and receiving a confirmation instruction of the authorization invitation information sent by the second terminal. And establishing a payment authorization relation between the associated user and the target user based on the confirmation instruction so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation strategy.

One or more embodiments of the present specification provide a second storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and receiving a payment request submitted by a second terminal of the target user for the target transaction. And performing association verification on the payment request according to a payment confirmation strategy configured by an associated user establishing a payment authorization relation with the target user aiming at the target user. And if the associated verification result is that the payment request triggers the payment confirmation strategy, sending a payment confirmation prompt to the first terminal of the associated user. And acquiring the identity authentication information of the target user and carrying out payment processing on the target transaction according to a payment confirmation instruction submitted by the associated user aiming at the payment confirmation prompt.

One or more embodiments of the present specification provide a third storage medium storing computer-executable instructions that, when executed by a processor, implement the following: and receiving a payment confirmation prompt sent by the server aiming at the payment request of the target user in the target transaction. Obtaining a payment confirmation instruction submitted by the associated user for the payment confirmation reminder; and the associated user and the target user establish a payment authorization relationship and are configured with a payment confirmation strategy aiming at the target user. Sending the payment confirmation instruction to the server; and the payment confirmation prompt is sent after the payment request triggers the payment confirmation strategy and before the identity authentication information of the target user is acquired.

Drawings

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

FIG. 1 is a process flow diagram of a payment authorization method provided in one or more embodiments of the present disclosure;

fig. 2 is a flowchart of a payment authorization method applied to an authorization relationship establishment scenario according to one or more embodiments of the present disclosure;

fig. 3 is a process flow diagram of a payment confirmation processing method according to one or more embodiments of the present disclosure;

fig. 4 is a processing sequence diagram of a payment confirmation processing method applied to an elderly user scenario according to one or more embodiments of the present disclosure;

fig. 5 is a processing sequence diagram of a payment confirmation processing method applied to a teenager user scenario according to one or more embodiments of the present disclosure;

FIG. 6 is a flow diagram of another payment confirmation processing method process provided by one or more embodiments of the present description;

FIG. 7 is a schematic diagram of a payment authorization apparatus provided in one or more embodiments of the present disclosure;

fig. 8 is a schematic diagram of a payment confirmation processing apparatus according to one or more embodiments of the present disclosure;

fig. 9 is a schematic view of another payment confirmation processing apparatus provided in one or more embodiments of the present description;

fig. 10 is a schematic structural diagram of a payment authorization apparatus provided in one or more embodiments of the present specification;

fig. 11 is a schematic structural diagram of a payment confirmation processing apparatus according to one or more embodiments of the present disclosure;

fig. 12 is a schematic structural diagram of another payment confirmation processing apparatus provided in one or more embodiments of the present specification.

Detailed Description

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

The embodiment of a payment authorization method provided by the specification comprises the following steps:

referring to fig. 1, which shows a processing flow chart of a payment authorization method provided by the present embodiment, referring to fig. 2, which shows a processing flow chart of a payment authorization method applied to an authorization relationship establishment scenario provided by the present embodiment.

Referring to fig. 1, the payment authorization method provided in this embodiment specifically includes steps S102 to S106.

Step S102, a target user who carries out authorization invitation and sent by a first terminal of an associated user and a payment confirmation strategy configured for the target user are obtained.

The payment authorization method provided by the embodiment includes the steps of obtaining a target user who performs authorization invitation by an associated user and a payment confirmation policy configured for the target user, sending authorization invitation information carrying the payment confirmation policy to terminal equipment of the target user, establishing a payment authorization relationship between the associated user and the target user if a confirmation instruction for the authorization invitation information is received, so as to perform multiple payment verification when the target user pays, ensuring payment safety and fund safety of the user through establishment of the payment authorization relationship, avoiding fund loss, and helping the user to reasonably use internet for payment; by introducing a payment confirmation strategy, the consumption granularity is reduced, and the diversified payment scene requirements are met.

The payment confirmation strategy refers to a strategy that one user performs payment verification on a payment request initiated by another user in a payment process, such as a single consumption limit; for example, if the payment confirmation policy set by the associated user is "1000 yuan per consumption limit", and the transfer amount set by the target user during transfer is 1200 yuan, the payment confirmation policy is triggered by the payment request of the target user, and the associated user needs to confirm the payment request of the target user.

The multiple payment verification is to verify a payment request initiated by the other user in the payment process according to a payment confirmation strategy constructed by the one user and acquire payment confirmation of the one user to the payment request; or, according to a payment confirmation strategy constructed by the multi-party user to one party user, the payment request initiated by one party user in the payment process is verified respectively, and the payment confirmation of the multi-party user to the payment request is obtained.

It should be noted that, in the process of performing multiple payment verification, since one or more associated users establishing a payment authorization relationship with the target user may be used, one or more payment confirmation policies configured for the target user may be used, and the verification of the payment request of the target user according to the payment confirmation policy may be performed once or multiple times; similarly, in the process of submitting the payment confirmation instruction and making payment, the associated user may be one or more, and the payment confirmation may be made once or multiple times.

In practical application, in the process of using the internet, an elderly user cannot distinguish whether the internet operation is safe or not due to unfamiliarity with the internet, so that network fraud is generated, and a teenager user or a college student user lacks correct consumption concept, so that internet payment is not restricted, under the condition, corresponding consumption limits can be set by families of the elderly user, families of the teenager user, families of the college student user or families of other users, payment of fund transfer into an abnormal account is confirmed, so that the elderly user can be helped to better use the internet payment, the elderly user is helped to prevent the network fraud, reasonable consumption guidance is carried out on the teenager user, and a correct consumption concept is established, in the process, users facing the internet fraud or the unregulated internet payment, namely target users, of the elderly user, the teenager user, the college user or other users, the terminal device used by the target user is the second terminal, the consumption limit is set for the target user, the payment of funds transferred into the abnormal account is confirmed, the target user is helped to prevent internet fraud or perform reasonable consumption guidance on the target user is the associated user, and the terminal device used by the associated user is the first terminal.

In specific implementation, in order to implement consumption guidance for teenager users and prevent the elderly users from being cheated by the internet, a payment authorization relationship between the associated user and the elderly users or the teenager users may be established first, and on the basis of the established payment authorization relationship, the associated user performs consumption guidance for the elderly users or the teenager users, and if the payment authorization relationship needs to be established, the associated user first selects a target user for performing consumption guidance, and the target user in this embodiment selects the user list of the associated user. In an optional implementation manner provided by this embodiment, before acquiring a target user performing an authorization invitation sent by a first terminal of an associated user, the following operations are performed:

receiving a payment authorization application sent by the first terminal; the payment authorization application is submitted by triggering an authorization control;

and reading the user list of the associated user and returning to the first terminal.

Specifically, an associated user triggers an authorization control to submit a payment authorization application, a first terminal sends the payment authorization application to a server after detecting the payment authorization application, the server reads a user list of the associated user and returns the user list to the first terminal, the first terminal displays the user list, the associated user selects a target user for authorization invitation from the user list and configures a payment confirmation strategy for the selected target user, the first terminal sends the selected target user and the payment confirmation strategy to the server, and the server obtains the target user selected by the associated user and the payment confirmation strategy configured for the target user.

Step S104, sending authorization invitation information carrying the payment confirmation strategy to a second terminal of the target user, and receiving a confirmation instruction of the authorization invitation information sent by the second terminal.

As described above, the first terminal sends the target user selected by the associated user and the payment confirmation policy to the server, and the server obtains the target user selected by the associated user and the payment confirmation policy configured for the target user, on this basis, the embodiment sends the authorization invitation information carrying the payment confirmation policy to the second terminal of the target user, and if a confirmation instruction of the authorization invitation information sent by the second terminal is received, it indicates that the target user accepts to establish a payment authorization relationship with the associated user on the basis of the configured payment confirmation policy; and if the confirmation instruction of the authorization invitation information sent by the second terminal is not received, the establishment of the payment authorization relationship between the target user and the associated user fails.

And step S106, establishing a payment authorization relationship between the associated user and the target user based on the confirmation instruction, so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation strategy.

On the basis of sending the authorization invitation information carrying the payment confirmation policy to the second terminal of the target user and receiving the confirmation instruction of the authorization invitation information sent by the second terminal, the present embodiment establishes the payment authorization relationship between the associated user and the target user based on the received confirmation instruction, so as to perform multiple payment verification based on the payment confirmation policy when the target user performs payment for the target transaction.

In specific implementation, the associated user selects a target user for consumption guidance, a payment confirmation strategy is configured for the target user, the first terminal submits the selected target user and the payment confirmation strategy to the server, the server establishes a payment authorization relation between the associated user and the target user based on the payment confirmation strategy, and the associated user helps the target user to perform payment confirmation during payment based on the payment authorization relation, so that the old user is effectively prevented from being cheated and the reasonable consumption concept of teenage users is cultured. In an optional implementation manner provided by this embodiment, in the process of establishing the payment authorization relationship between the associated user and the target user based on the confirmation instruction, the following operations are performed:

opening a payment confirmation authority aiming at the target transaction of the target user to the associated user, and marking an authorization state as an authorization valid state;

and generating and storing a payment authorization record according to the payment confirmation authority, the authorization valid state and the payment confirmation strategy.

Specifically, in order to realize payment confirmation of the associated user to the target user in the payment process, obtain agreement of the target user, send authorization invitation information carrying a payment confirmation policy to a second terminal of the target user, if a confirmation instruction of the authorization invitation information returned by the second terminal is received, open a payment confirmation permission for the target user in payment of the target transaction to the associated user, mark the authorization state as an authorization valid state, and generate and store a payment authorization record.

Wherein the payment authorization records are shown in table 1 below:

TABLE 1

It should be noted that the user identifier in the target user identifier and the associated user identifier may be a user account, or may be a user identity identifier code, etc.; in the process of establishing the payment authorization relationship, a payment authorization record can be created according to the payment confirmation policy and one of the payment confirmation authority and the authorization valid state.

In practical applications, when a target user performs internet payment in a teenager mode, consumption cost can be controlled to a certain extent, but the teenager mode cannot perform a payment problem of an over-limit amount, and the consumption granularity of the teenager mode is large, and cannot meet requirements of certain payment scenarios, for example, parents cannot purchase goods (such as luxury goods) beyond a payment capability in order to manage the quota of children under certain types of consumption, and elderly users cannot distinguish abnormal accounts.

In an optional implementation manner provided by this embodiment, in the process of performing multiple payment verification on the target transaction by the target user according to the payment confirmation policy, the following operations are performed:

receiving a payment request submitted by the second terminal aiming at the target transaction, and reading the payment confirmation strategy to perform association verification on the payment request;

if the associated verification result is that the payment request triggers the payment confirmation strategy, a payment confirmation prompt is sent to the first terminal;

and acquiring the identity authentication information of the target user according to the payment confirmation instruction of the payment confirmation prompt and performing payment processing on the target transaction.

Specifically, in the process that the target user pays for the target transaction, a payment request submitted by the target user is obtained, an associated user establishing a payment authorization relationship with the target user and a payment confirmation strategy set for the target user are read from the payment authorization record, and associated verification is performed on the payment request according to the read payment confirmation strategy so as to determine whether the payment request triggers the payment confirmation strategy or not.

In the process of performing the correlation check on the payment request, detecting whether the payment amount carried in the payment request is matched with the corresponding payment amount in the payment confirmation strategy or not; if yes, no processing is carried out, and if not, the payment request is determined to trigger a payment confirmation strategy; and judging whether the transferred account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy; if yes, determining that the payment request triggers a payment confirmation strategy, and if not, not processing.

For example, the payment amount carried in the payment request is 1200 yuan, the single consumption limit corresponding to the payment confirmation policy is 1000 yuan, and the payment amount exceeds the single consumption limit, so that the payment request triggers the single consumption limit corresponding to the payment confirmation policy; for another example, the transfer-in of the abnormal account in the payment confirmation policy requires payment confirmation by the associated user, and the transfer-in account of the payment amount carried in the payment request is the abnormal account, so that the payment request triggers the corresponding transfer-in account in the payment confirmation policy to be the abnormal account; further, the payment confirmation policy further includes: daily/monthly consumption limits, limits for different consumption categories (games, apparel, dining), blocking funds transfer to an abnormal account.

It needs to be supplemented that, in the process of performing the associated verification on the payment request according to the payment confirmation policy configured by the associated user, it can also be detected whether the payment amount carried in the payment request is matched with the corresponding payment amount in the payment confirmation policy; if yes, no processing is carried out, and if not, the payment request is determined to trigger a payment confirmation strategy; or judging whether the transferred account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy; if yes, determining that the payment request triggers a payment confirmation strategy, and if not, not processing.

And if the payment request triggers the payment confirmation strategy is determined, sending a payment confirmation prompt to the first terminal of the associated user, acquiring the identity authentication information of the target user according to a payment confirmation instruction submitted by the associated user aiming at the payment confirmation prompt, and performing payment processing on the target transaction.

In addition, the associated user who confirms payment to the target user may be one or multiple, that is, the associated user who establishes the payment authorization relationship with the target user may be one or multiple, the above describes the process of performing the association check and payment processing when the associated user is one, and the following describes in detail the process of performing the association check and payment processing when the associated user is multiple, taking the example that the associated user includes the first associated user and the second associated user as an example.

(1) And reading the payment authorization record aiming at the target user, and screening the authorization record with the authorization state being an authorization valid state.

(2) And if the first confirmation strategy configured by the first associated user in the authorization record is consistent with the second confirmation strategy configured by the second associated user, performing associated verification on the corresponding payment parameters carried in the payment request according to the payment elements in the first confirmation strategy or the second confirmation strategy.

For example, the first confirmation policy configured by the first associated user in the authorization record is "1000 yuan for consumption per unit time limit", the second confirmation policy configured by the second associated user is also "1000 yuan for consumption per unit time limit", which indicates that the first confirmation policy configured by the first associated user is the same as the second confirmation policy configured by the second associated user, and the corresponding payment parameter (payment amount is 1200 yuan) carried in the payment request may be subjected to associated verification according to the payment element (1000 yuan for consumption per unit time limit) in the payment confirmation policy.

Correspondingly, according to a first payment confirmation instruction submitted by the first associated user and a second payment confirmation instruction submitted by the second associated user, acquiring the identity authentication information of the target user and performing payment processing on the target transaction;

or if a first payment confirmation instruction of the first associated user or a second payment confirmation instruction of the second associated user is received, acquiring the identity authentication information of the target user based on the received payment confirmation instruction and verifying the identity authentication information; and after the verification is passed, performing payment processing on the target transaction.

In practical application, in order to prevent a target user from logging in an account of an associated user to agree with a payment request of the target user, in the process that the associated user submits a payment confirmation instruction for a payment confirmation reminder, the identity needs to be verified, and it is ensured that the user who performs the payment confirmation is the associated user. Specifically, in the process of submitting a payment confirmation instruction for a payment confirmation reminder, a first terminal associated with a user performs the following operations:

receiving an identity verification page returned by the server after the payment confirmation reminder is triggered;

and acquiring the biological characteristic information through an information acquisition interface configured on the identity verification page.

Correspondingly, the server executes the following operations in the process of acquiring the payment confirmation instruction sent by the first terminal aiming at the payment confirmation reminder:

if the payment confirmation reminding is triggered, returning an identity verification page to the first terminal;

acquiring biological characteristic information uploaded by a first terminal and acquired through an information acquisition interface configured on an identity verification page;

judging whether the biological characteristic information is matched with the biological characteristic information of the associated user;

if the payment confirmation prompts are matched, the associated users are determined to submit payment confirmation instructions according to the payment confirmation prompts;

if not, no processing is performed.

The biological characteristic information comprises fingerprint information, face image information and iris information.

(3) And if the first confirmation strategy configured by the first associated user in the authorization record is inconsistent with the second confirmation strategy configured by the second associated user, performing associated verification on the payment request according to the first confirmation strategy, and performing associated verification on the payment request based on the second confirmation strategy.

For example, the first confirmation policy configured by the first associated user in the authorization record is "1000 yuan for consumption per unit time", the second confirmation policy configured by the second associated user is "1500 yuan for consumption per unit time", which indicates that the first confirmation policy configured by the first associated user is different from the second confirmation policy configured by the second associated user, and the payment amount (1600 yuan) carried in the payment request can be subjected to the associated verification according to the first confirmation policy "1000 yuan for consumption per unit time", and then the payment amount (1600 yuan) carried in the payment request can be subjected to the associated verification according to the second confirmation policy "1500 yuan for consumption per unit time", so as to adapt to diversified payment scenarios.

Correspondingly, if the payment request triggers either the first confirmation strategy or the second confirmation strategy, a payment confirmation prompt is sent to a related user terminal corresponding to the confirmation strategy triggering the payment request, a payment confirmation instruction of the returned payment confirmation prompt is received, and the identity authentication information of the target user is obtained based on the received payment confirmation instruction and the payment processing is carried out on the target transaction;

if the payment requests trigger a first confirmation strategy and a second confirmation strategy, sending payment confirmation prompts to terminal equipment of a first associated user and terminal equipment of a second associated user, and after receiving a first payment confirmation instruction of the first associated user and a second payment confirmation instruction sent by the terminal equipment of the second associated user, acquiring identity authentication information of a target user and carrying out payment processing on target transactions; or if a first payment confirmation instruction submitted by the first associated user or a second payment confirmation instruction submitted by the second associated user is detected, acquiring the identity authentication information of the target user based on the detected payment confirmation instruction, verifying, and performing payment processing on the target transaction after the verification is passed.

And if the payment request does not trigger the first confirmation strategy and the second confirmation strategy, directly acquiring the identity authentication information of the target user and performing payment processing on the target transaction.

It should be noted that, in order to flexibly adjust the payment confirmation, for example, a teenager user completes the study and can reasonably arrange own funds after participating in the work, in this case, the payment authorization relationship can be released, or the payment authorization relationship can be released after the time reaches the authorization period.

Specifically, in the process of releasing the payment authorization relationship, whether the authorization period recorded in the payment authorization record is expired is detected; if so, releasing the payment authorization relationship between the associated user and the target user, and if not, not processing;

alternatively, the first and second liquid crystal display panels may be,

receiving a release request aiming at a payment authorization relationship sent by a first terminal;

sending a release application for the payment authorization relationship to the second terminal;

if a release instruction for releasing the application submitted by the second terminal is received, releasing the payment authorization relationship between the associated user and the target user based on the release instruction;

alternatively, the first and second electrodes may be,

receiving a release request aiming at the payment authorization relationship sent by a second terminal;

sending a release application for the payment authorization relationship to the first terminal;

if a release instruction for releasing the application submitted by the first terminal is received, releasing the payment authorization relationship between the associated user and the target user based on the release instruction;

here, the releasing of the payment authorization relationship is specifically to change the authorization status recorded in the payment authorization record to an authorization failure status.

It is to be added that, when the authorization period recorded in the payment authorization record expires, after the payment authorization relationship between the associated user and the target user is released, a release prompt of the payment authorization relationship is sent to the first terminal and the second terminal to notify that the payment authorization relationship has been released.

The following further describes the payment confirmation processing method provided in this embodiment by taking an application of the payment authorization method in an authorization relationship establishment scenario provided in this embodiment as an example, referring to fig. 2, the payment confirmation processing method applied in the authorization relationship establishment scenario specifically includes steps S202 to S226.

Step S202, receiving a payment authorization application submitted by an associated user trigger authorization control sent by a first terminal of an associated user.

Step S204, reading a user list of the associated user.

Step S206, returning the user list to the first terminal.

The first terminal obtains a target user selected by the associated user from the user list and used for carrying out authorization invitation, and a payment confirmation strategy configured for the target user, and sends the target user and the payment confirmation strategy to the server.

And step S208, receiving a target user for authorization invitation sent by the first terminal and a payment confirmation strategy.

Step S210, sending the authorization invitation information carrying the payment confirmation policy to the second terminal of the target user.

Step S212, receiving a confirmation instruction of the authorization invitation information sent by the second terminal.

Step S214, opening payment confirmation authority aiming at the target transaction of the target user to the associated user.

Step S216, the authorization status is marked as the authorization valid status.

And step S218, generating and storing a payment authorization record according to the payment confirmation authority, the authorization valid state and the payment confirmation strategy.

Step S220, detecting whether the authorization term recorded in the payment authorization record is expired;

if yes, go to step S222 to step S226;

if not, no processing is carried out.

Step S222, the payment authorization relationship between the associated user and the target user is released.

Step S224, a payment authorization relationship release prompt is returned to the first terminal.

And step S226, returning a release prompt of the payment authorization relationship to the second terminal.

It should be noted that, in the execution process of steps S224 and S226, the reminder to cancel the payment authorization relationship may be returned to the second terminal first, and then the reminder to cancel the payment authorization relationship may be returned to the first terminal, and therefore, the execution order of steps S224 and S226 is not limited herein.

In addition, a release request for the payment authorization relationship sent by the first terminal can be received; sending a release application for the payment authorization relationship to the second terminal; if a release instruction for releasing the application submitted by the second terminal is received, releasing the payment authorization relationship between the associated user and the target user based on the release instruction;

or receiving a release request aiming at the payment authorization relation sent by the second terminal; sending a release application for the payment authorization relationship to the first terminal; and if a release instruction of the release application submitted by the first terminal is received, releasing the payment authorization relationship between the associated user and the target user based on the release instruction.

To sum up, in the payment authorization method provided in this embodiment, a payment authorization application submitted by an associated user trigger authorization control sent by a first terminal of an associated user is received, a user list of the associated user is read and returned to the first terminal, a target user selected by the associated user from the user list and used for authorization invitation, and a payment confirmation policy configured for the target user, which are sent by the first terminal, are obtained;

secondly, sending authorization invitation information carrying a payment confirmation strategy to a second terminal of the target user, and receiving a confirmation instruction of the authorization invitation information sent by the second terminal;

finally, establishing a payment authorization relationship between the associated user and the target user based on the confirmation instruction so as to perform multiple payment verification on the target transaction of the target user according to a payment confirmation strategy, detecting whether an authorization time limit recorded in the payment authorization record is expired, if so, removing the payment authorization relationship between the associated user and the target user, and if not, processing; or receiving a release request for the payment authorization relationship sent by the first terminal, sending a release application for the payment authorization relationship to the second terminal, and if receiving a release instruction for the release application submitted by the second terminal, releasing the payment authorization relationship between the associated user and the target user based on the release instruction.

Through the establishment of the payment authorization relationship, the payment safety and the fund safety of the user are ensured, the fund loss is avoided, and the user is helped to reasonably use the internet for payment; by introducing a payment confirmation strategy, the consumption granularity is reduced, and the diversified payment scene requirements are met.

An embodiment of a payment confirmation processing method provided in this specification:

referring to fig. 3, which shows a processing flow chart of a payment confirmation processing method provided by the present embodiment, referring to fig. 4, which shows a processing sequence chart of a payment confirmation processing method applied to a senior user scenario provided by the present embodiment, and referring to fig. 5, which shows a processing sequence chart of a payment confirmation processing method applied to a teenager user scenario provided by the present embodiment.

Referring to fig. 3, the payment confirmation processing method provided in this embodiment is applied to a server, and specifically includes steps S302 to S308.

Step S302, receiving a payment request submitted by a second terminal of a target user for a target transaction.

In the payment confirmation processing method provided by the embodiment, in the process of payment for a target transaction by a target user, a payment request submitted by the target user is acquired, a payment confirmation policy configured by an associated user establishing a payment authorization relationship with the target user is searched, associated verification is performed on the payment request based on the payment confirmation policy, if the payment request triggers the payment confirmation policy, a payment confirmation prompt is sent to the associated user, and after a payment confirmation instruction for the payment confirmation prompt is received, identity authentication information of the target user is acquired and payment processing is performed on the target transaction, so that the payment safety and fund safety of the target user are ensured, fund loss is avoided, and the target user is helped to pay by using the internet reasonably; by introducing a payment confirmation strategy, the consumption granularity is reduced, and the diversified payment scene requirements are met.

The correlation verification is to verify a payment request initiated by one user in the payment process according to a payment confirmation strategy constructed by the other user; or, according to a payment confirmation strategy constructed by the multi-party user to one party user, the payment request initiated by one party user in the payment process is verified respectively.

It should be noted that, in the process of performing the associated verification, since one or more associated users may be used for establishing the payment authorization relationship with the target user, the payment confirmation policy configured for the target user may be one or more, and the process of performing the associated verification on the payment request of the target user according to the payment confirmation policy may be performed once or multiple times; similarly, in the process of submitting the payment confirmation instruction, that is, performing payment confirmation, the associated user may be one or more, and then the payment confirmation may be performed once or multiple times.

In specific implementation, in the process that a target user pays for a target transaction, a payment control is triggered to submit a payment instruction, a second terminal generates a payment request according to the payment instruction and sends the payment request to a server, and the server receives the payment request submitted for the target transaction and sent by the second terminal.

Step S304, performing association verification on the payment request according to a payment confirmation strategy configured by an associated user establishing a payment authorization relation with the target user aiming at the target user.

The payment authorization relationship of this embodiment includes a dependency relationship that checks and confirms payment requests of a target user for payment of a target transaction according to a payment confirmation policy configured by an associated user for the target user; it should be noted that the payment authorization relationship is not limited to be established between the associated user and the target user, and the payment authorization relationship can be established between any two users registered in the application, so that the user who establishes the payment authorization relationship with the associated user may be one user or multiple users, and similarly, the user who establishes the payment authorization relationship with the target user may be one user or multiple users; the registered application refers to an application program for running a target transaction.

In an optional implementation manner provided by this embodiment, the payment authorization relationship between the associated user and the target user is established in the following manner:

and sending authorization invitation information carrying the payment confirmation strategy to the second terminal, and establishing a payment authorization relationship between the associated user and the target user according to a confirmation instruction sent by the second terminal.

In the specific payment authorization relationship establishment process, the server performs the following operations: opening a payment confirmation authority aiming at the target transaction of the target user to the associated user, and marking the authorization state as an authorization valid state; and generating and storing a payment authorization record according to the payment confirmation authority, the authorization valid state and the payment confirmation strategy.

Wherein the payment authorization records are shown in table 2 below:

TABLE 2

In specific implementation, after a payment request submitted by a second terminal of a target user for a target transaction is received, reading an associated user establishing a payment authorization relationship with the target user and a payment confirmation policy configured for the target user in a payment authorization record, and performing associated verification on the payment request according to the read payment confirmation policy to determine whether the payment request triggers the payment confirmation policy.

In practical applications, when a target user uses a teenager model to pay internet, consumption cost can be controlled to a certain extent, but the teenager model cannot perform an over-limit payment problem, and the consumption granularity of the teenager model is large, and cannot meet requirements of certain payment scenarios, such as parents for managing the quota of children under certain consumption (such as games), preventing children from purchasing goods beyond payment capability (such as luxury goods), and elderly users cannot distinguish abnormal accounts.

In an optional implementation manner provided by this embodiment, in the process of performing multiple payment verification on a payment request according to a payment confirmation policy configured by an associated user, the following operations are performed:

detecting whether the payment amount carried in the payment request is matched with the corresponding payment amount in the payment confirmation strategy or not;

if not, determining that the payment request triggers the payment confirmation strategy, and if so, not processing;

and judging whether a transfer account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy;

if not, no processing is carried out, and if yes, the payment request is determined to trigger the payment confirmation strategy.

For example, the payment amount carried in the payment request is 1200 yuan, the single consumption limit corresponding to the payment confirmation policy is 1000 yuan, and the payment amount exceeds the single consumption limit, so that the payment request triggers the single consumption limit corresponding to the payment confirmation policy; for another example, the transfer of the payment amount to the abnormal account in the payment confirmation policy requires the associated user to perform payment confirmation, and the transfer account of the payment amount carried in the payment request is the abnormal account, so that the payment request triggers the corresponding transfer account in the payment confirmation policy to be the abnormal account; further, the payment confirmation policy further includes: daily/monthly consumption limits, limits for different consumption categories (games, apparel, dining), blocking funds transfer to an abnormal account.

It needs to be supplemented that in the process of performing the associated verification on the payment request according to the payment confirmation policy configured by the associated user, whether the payment amount carried in the payment request is matched with the corresponding payment amount in the payment confirmation policy can also be detected; if yes, no processing is carried out, and if not, the payment request is determined to trigger a payment confirmation strategy; or judging whether the transferred account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy; if yes, determining that the payment request triggers a payment confirmation strategy, and if not, not processing.

In addition, the user who confirms payment to the target user may be one or multiple users, that is, one or multiple associated users who establish a payment authorization relationship with the target user may be provided, the above describes the process of performing the association check if the associated user is one, and the following describes in detail the process of performing the association check if the associated user includes the first associated user and the second associated user as an example.

In a first optional implementation manner provided in this embodiment, in the process of performing multiple payment verification on a payment request according to a payment confirmation policy configured by an associated user, the following operations are performed:

reading a payment authorization record aiming at the target user, and screening the authorization record with an authorization state being an authorization valid state;

and if a first confirmation strategy configured by a first associated user in the authorization record is consistent with a second confirmation strategy configured by a second associated user, performing associated verification on the corresponding payment parameters carried in the payment request according to the payment elements in the first confirmation strategy or the second confirmation strategy.

In a second optional implementation manner provided by this embodiment, in the process of performing multiple payment verification on a payment request according to a payment confirmation policy configured by an associated user, the following operations are performed:

and if the first confirmation strategy configured by the first associated user in the authorization record is inconsistent with the second confirmation strategy configured by the second associated user, performing associated verification on the payment request according to the first confirmation strategy, and performing associated verification on the payment request based on the second confirmation strategy.

Specifically, because the payment authorization record for releasing the payment authorization relationship is not deleted, but the authorization state is changed from the authorization valid state to the authorization invalid state, the authorization record with the authorization state being the authorization valid state can be screened from the read payment authorization records for the target user;

if the first confirmation strategy configured by the first associated user in the authorization record is the same as the second confirmation strategy configured by the second associated user, performing associated verification on the corresponding payment parameters carried in the payment request according to the payment elements in the first confirmation strategy or the second confirmation strategy, or performing associated verification on the payment request according to the first confirmation strategy and performing associated verification on the payment request based on the second confirmation strategy so as to adapt to diversified payment verification scenes;

if the first confirmation policy configured by the first associated user and the second confirmation policy configured by the second associated user in the authorization record are different, after the payment request is subjected to the associated verification according to the first confirmation policy, the payment request is subjected to the associated verification based on the second confirmation policy.

For another example, the first confirmation policy configured by the first associated user in the authorization record is "1000 yuan for consumption per unit time", and the second confirmation policy configured by the second associated user is also "1500 yuan for consumption per unit time", which indicates that the first confirmation policy configured by the first associated user is different from the second confirmation policy configured by the second associated user, and the payment amount (1600 yuan) carried in the payment request may be subjected to the associated verification according to the first confirmation policy "1000 yuan for consumption per unit time", and then the payment amount (1600 yuan) carried in the payment request may be subjected to the associated verification according to the second confirmation policy "1500 yuan for consumption per unit time", so as to adapt to diversified payment verification scenarios.

It should be added that, in the process of performing the associated verification on the payment request according to the payment confirmation policy configured by the associated user, the server may also perform the following operations:

if a first confirmation strategy configured by a first associated user in the authorization record is consistent with a second confirmation strategy configured by a second associated user, performing associated verification on the corresponding payment parameters carried in the payment request according to the payment elements in the first confirmation strategy or the second confirmation strategy;

Step S306, if the associated verification result is that the payment request triggers the payment confirmation strategy, a payment confirmation prompt is sent to the first terminal of the associated user.

On the basis of carrying out associated verification on the payment request according to the payment confirmation strategy configured by the associated user establishing the payment authorization relationship with the target user, if the payment verification result is that the payment request triggers the payment confirmation strategy, sending a payment confirmation prompt aiming at the payment request to a first terminal of the associated user so as to ensure that the associated user carries out payment confirmation; and if the payment verification result is that the payment request does not trigger a payment confirmation strategy, directly performing payment processing aiming at the target transaction.

In specific implementation, when one associated user establishing a payment authorization relationship with a target user is the target user, a payment confirmation prompt is sent to the first terminal of the associated user.

In the case that the associated users establishing the payment authorization relationship with the target user include the first associated user and the second associated user, for the first optional implementation manner provided above, if the payment request triggers the payment confirmation policy, the payment confirmation reminder may be sent to the terminal device of the first associated user and the terminal device of the second associated user; or according to the payment confirmation priority recorded in the payment authorization record, firstly sending a payment confirmation reminder to the terminal equipment of the first associated user, if receiving a first payment confirmation instruction sent by the terminal equipment of the first associated user, no longer sending the payment confirmation reminder to the terminal equipment of the second associated user, and if not receiving the first payment confirmation instruction sent by the terminal equipment of the first associated user, then sending the payment confirmation reminder to the terminal equipment of the second associated user to obtain the second payment confirmation instruction.

For the second optional implementation manner provided above, if the payment request triggers any one of the first confirmation policy and the second confirmation policy, sending a payment confirmation reminder to the terminal device of the associated user corresponding to the confirmation policy triggering the payment request to obtain a payment confirmation instruction; if the payment requests trigger a first confirmation strategy and a second confirmation strategy, sending payment confirmation prompts to the terminal equipment of the first associated user and the terminal equipment of the second associated user; and if the payment request does not trigger the first confirmation strategy and the second confirmation strategy, directly carrying out payment processing aiming at the target transaction.

Step S308, according to the payment confirmation instruction submitted by the associated user aiming at the payment confirmation reminder, obtaining the identity authentication information of the target user and carrying out payment processing on the target transaction.

As described above, after the payment request is subjected to the associated verification according to the payment confirmation policy, if the payment verification result is that the payment request triggers the payment confirmation policy, a payment confirmation prompt is sent to the first terminal of the associated user, the first terminal obtains a payment confirmation instruction submitted by the associated user for the payment confirmation prompt and sends the payment confirmation instruction to the server, and correspondingly, the server receives the payment confirmation instruction of the payment confirmation prompt sent by the first terminal, obtains the identity authentication information of the target user according to the payment confirmation instruction, performs verification, and performs payment processing on the target transaction after the verification is passed.

In practical application, in order to prevent a target user from logging in an account of an associated user to agree with a payment request of the target user, in the process that the associated user submits a payment confirmation instruction for a payment confirmation reminder, the identity needs to be verified, and it is ensured that the user who performs the payment confirmation is the associated user. Specifically, the first terminal executes the following operations in the process of submitting the payment confirmation instruction for the payment confirmation reminder:

Correspondingly, in an optional implementation manner provided in this embodiment, in the process of acquiring the payment confirmation instruction sent by the first terminal for the payment confirmation reminder, the server performs the following operations:

acquiring biological characteristic information uploaded by the first terminal and acquired through an information acquisition interface configured on the identity verification page;

if so, determining that the associated user submits the payment confirmation instruction for the payment confirmation reminder;

if not, no processing is performed.

In specific implementation, after the associated user submits a payment confirmation instruction for the payment confirmation reminder, the first terminal sends the payment confirmation instruction to the server, the server acquires the identity authentication information of the target user according to the received payment confirmation instruction for verification, and payment processing is performed on the target transaction after the verification is passed. The following describes in detail the payment processing procedure corresponding to one associated user and a plurality of associated users.

(1) Associated user is one

Sending a payment confirmation prompt to a first terminal of an associated user under the condition that the associated user establishing the payment authorization relationship with the target user is one, if a payment confirmation instruction aiming at the payment confirmation prompt sent by the first terminal is obtained, obtaining the identity authentication information of the target user according to the payment confirmation instruction for verification, and after the verification is passed, carrying out payment processing aiming at the target transaction; the identity authentication information here includes iris information, fingerprint information, face image, and payment key input by the target user.

(2) The associated users are multiple (for example, the first associated user and the second associated user)

For the first optional implementation manner provided above, the first confirmation policy configured by the first associated user in the authorization record is consistent with the second confirmation policy configured by the second associated user, and the associated verification is performed on the corresponding payment parameter carried in the payment request according to the payment element in the first confirmation policy or the second confirmation policy;

and under the condition that the associated verification result is that the payment request triggers a payment confirmation strategy:

a. sending a payment confirmation prompt to the terminal equipment of the first associated user and the terminal equipment of the second associated user, acquiring the identity authentication information of the target user according to a first payment confirmation instruction submitted by the first associated user and a second payment confirmation instruction submitted by the second associated user, and performing payment processing on the target transaction; in addition, if a first payment confirmation instruction of a first associated user or a second payment confirmation instruction of a second associated user is detected, identity authentication information of a target user is obtained based on the detected payment confirmation instruction and verified; and after the verification is passed, performing payment processing on the target transaction.

b. According to the payment confirmation priority recorded in the payment authorization record, firstly sending a payment confirmation reminder to the terminal equipment of the first associated user, if receiving a first payment confirmation instruction sent by the terminal equipment of the first associated user, acquiring the identity authentication information of the target user and carrying out payment processing on the target transaction, and not sending the payment confirmation reminder to the terminal equipment of the second associated user any more; and if the first payment confirmation instruction sent by the terminal equipment of the first associated user is not received, sending a payment confirmation prompt to the terminal equipment of the second associated user, acquiring the identity authentication information of the target user according to a second payment confirmation instruction aiming at the payment confirmation prompt and sent by the terminal equipment of the second associated user, and performing payment processing on the target transaction.

For the second optional implementation manner provided above, the first confirmation policy configured by the first associated user in the authorization record is inconsistent with the second confirmation policy configured by the second associated user, the payment request is subjected to the associated verification according to the first confirmation policy, and the payment request is subjected to the associated verification based on the second confirmation policy.

a. And if the payment request triggers any one of the first confirmation strategy and the second confirmation strategy, sending a payment confirmation prompt to the terminal equipment of the associated user corresponding to the confirmation strategy triggering the payment request, acquiring the identity authentication information of the target user according to the received payment confirmation instruction, and performing payment processing on the target transaction.

b. If the payment requests trigger a first confirmation strategy and a second confirmation strategy, sending payment confirmation prompts to the terminal equipment of the first associated user and the terminal equipment of the second associated user; acquiring identity authentication information of a target user and performing payment processing on a target transaction according to a first payment confirmation instruction submitted by a first associated user and a second payment confirmation instruction submitted by a second associated user; in addition, a first payment confirmation instruction of the first associated user or a second payment confirmation instruction of the second associated user can be detected, the identity authentication information of the target user is obtained based on the detected payment confirmation instruction and verified, and payment processing is carried out on the target transaction after the identity authentication information is verified.

c. And if the payment request does not trigger the first confirmation strategy and the second confirmation strategy, directly acquiring the identity authentication information of the target user for verification, and after the verification is passed, performing payment processing on the target transaction.

In order to flexibly adjust the payment confirmation, for example, a teenager user finishes the study and can reasonably arrange own funds after participating in the work, the payment authorization relationship can be released after the associated user confirms the payment of the target transaction of the target user within a certain time, or the payment authorization relationship can be released after the time reaches the authorization period. In an optional implementation manner provided by this embodiment, the payment authorization relationship is released by:

detecting whether an authorization term recorded in the payment authorization record expires;

if so, releasing the payment authorization relationship between the associated user and the target user, and if not, not processing;

alternatively, the first and second electrodes may be,

receiving a release request for the payment authorization relationship sent by the first terminal;

if a releasing instruction of the releasing application submitted by the second terminal is received, releasing the payment authorization relationship between the associated user and the target user based on the releasing instruction;

alternatively, the first and second liquid crystal display panels may be,

receiving a release request for the payment authorization relationship sent by the second terminal;

and if a releasing instruction of the releasing application submitted by the first terminal is received, releasing the payment authorization relationship between the associated user and the target user based on the releasing instruction.

Here, the releasing of the payment authorization relationship is specifically to change the authorization status recorded in the payment authorization record to an authorization invalidation status.

The following takes an application of the payment confirmation processing method provided in this embodiment in an old user scenario as an example, further describes the payment confirmation processing method provided in this embodiment, and with reference to fig. 4, the payment confirmation processing method applied in the old user scenario specifically includes the following steps.

Step S402, receiving a payment request submitted by a second terminal of the old user for the target transaction.

And S404, reading family members establishing a payment authorization relationship with the old user and a configured payment confirmation strategy.

The payment confirmation strategy is that when the old user pays, the family performs correlation confirmation when the transferred account of the payment amount is an abnormal account.

Step S406, judging whether the transferred account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy;

if yes, go to step S408 to step S410, step S418;

if not, no processing is carried out.

Step S408, confirming that the payment request triggers a payment confirmation policy.

And step S410, sending a payment confirmation reminder to the first terminal of the family.

The first terminal displays the identity verification page after the payment confirmation reminding is triggered, collects the biological characteristic information through an information collection interface configured on the identity verification page, and uploads the collected biological characteristic information to the server.

Step S418, judging whether the biological characteristic information uploaded by the first terminal is matched with the biological characteristic information of family members;

if yes, go to step S420-step S424, step S428-step S430;

if not, no processing is performed.

And step S420, determining that the family submits a payment confirmation instruction for the payment confirmation prompt and synchronizing the payment confirmation instruction to the second terminal.

And the second terminal acquires the identity authentication information of the old user according to the payment confirmation instruction and sends the identity authentication information to the server.

Step S422, the identity authentication information sent by the second terminal is verified.

Here, the authentication information includes iris information, fingerprint information, a face image, and a payment key input by the elderly user.

In step S424, after the verification is passed, payment processing is performed on the target transaction.

The first terminal sends a release request for the payment authorization relationship to the server.

In step S428, a release application for the payment authorization relationship is returned to the second terminal.

And the second terminal submits a cancellation instruction for canceling the application to the server.

And step S430, releasing the payment authorization relationship between the family and the old user based on the release instruction.

It is to be added that the second terminal sends a release request for the payment authorisation relationship to the server. And the server returns a release application aiming at the payment authorization relationship to the first terminal. The first terminal submits a cancellation instruction for canceling the application to the server. The server removes the payment authorization relationship between the family and the old user based on the removal instruction.

The payment confirmation processing method provided in this embodiment is further described below by taking an application of the payment confirmation processing method provided in this embodiment in a teenager user scenario as an example, and referring to fig. 5, the payment confirmation processing method applied in the teenager user scenario specifically includes the following steps.

Step S502, receiving a payment request submitted by a second terminal of the teenager user aiming at the target transaction.

Step S504, a payment authorization record for the teen or child user is read.

Step S506, in the payment authorization records, the authorization records with the authorization status being the authorization valid status are screened.

If the first confirmation policy configured by the mother in the authorization record is inconsistent with the second confirmation policy configured by the father, steps S508 to S510, and steps S514 to S524 are performed.

And step S508, performing association verification on the payment request according to the first confirmation strategy.

Wherein, the mother and father establish payment authorization relation with the teenager user.

Step S510, if the payment request triggers the first confirmation policy, a payment confirmation reminder is sent to the first terminal of the mother.

And the first terminal sends a payment confirmation instruction of the payment confirmation prompt to the server.

Step S514, the payment confirmation instruction sent by the first terminal is synchronized to the second terminal.

And step S516, performing association verification on the payment request based on the second confirmation strategy.

Step S518, if the payment request triggers the second confirmation policy, a payment confirmation reminder is sent to the third terminal of the father.

And the third terminal sends a payment confirmation instruction of the payment confirmation prompt to the server.

Step S520, synchronize the payment confirmation instruction sent by the third terminal to the second terminal.

The second terminal acquires the identity authentication information of the teenager user and sends the identity authentication information to the server.

It should be noted that, the payment request may also be subjected to the associated verification according to the second confirmation policy, and then the payment request may be subjected to the associated verification according to the first confirmation policy.

Or after the correlation verification is completed, if the payment request triggers the first confirmation strategy and the second confirmation strategy, sending a payment confirmation prompt to the first terminal and the third terminal at the same time, and after receiving payment confirmation instructions of the payment confirmation prompt sent by the first terminal and the third terminal, synchronizing the payment confirmation instruction to the second terminal.

Step S522, performing identity verification on the identity authentication information of the teenager user sent by the second terminal.

And step S524, after the identity verification is passed, performing payment processing on the target transaction.

In summary, the payment confirmation processing method provided in this embodiment first receives a payment request submitted by a second terminal of a target user for a target transaction;

secondly, detecting whether the payment amount carried in the payment request is matched with the corresponding payment amount in the payment confirmation strategy, if so, not processing the payment request, and if not, determining that the payment request triggers the payment confirmation strategy; judging whether a transfer account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy, if so, determining that the payment request triggers the payment confirmation strategy, and if not, not processing the payment request;

finally, under the condition that the payment request triggers a payment confirmation strategy, sending a payment confirmation prompt to a first terminal of an associated user, acquiring identity authentication information of a target user according to a payment confirmation instruction submitted by the associated user aiming at the payment confirmation prompt, verifying, and after the identity authentication information is verified, performing payment processing on target transaction so as to realize multiple verification and multiple payment confirmation on transaction payment of old users, teenagers or other users, so that the payment safety and fund safety of the target user are ensured, fund loss is avoided, and the target user is helped to pay by using the Internet reasonably; by introducing a payment confirmation strategy, the consumption granularity is reduced, and the diversified payment scene requirements are met.

The implementation process of the payment confirmation processing method applied to the two application scenarios of the elderly user and the teenager user provided by the following method embodiment is executed by the server, and the implementation process of the payment confirmation processing method applied to the two application scenarios of the elderly user and the teenager user provided by the following method embodiment is executed by the first terminal, and the two are mutually matched in the execution process, so that please refer to the corresponding content of the following method embodiment for reading the implementation process.

Another payment confirmation processing method embodiment provided in this specification:

referring to fig. 6, which shows a processing flow chart of a payment confirmation processing method provided by the present embodiment, referring to fig. 4, which shows a processing sequence chart of a payment confirmation processing method applied to a senior user scenario provided by the present embodiment, and referring to fig. 5, which shows a processing sequence chart of a payment confirmation processing method applied to a teenager user scenario provided by the present embodiment.

The payment confirmation processing method provided in this embodiment is applied to the first terminal, and the payment confirmation processing method provided in the above-mentioned method embodiment is applied to the server, and the two are matched with each other in the execution process.

Referring to fig. 6, the payment confirmation processing method provided in this embodiment is applied to a first terminal, and specifically includes steps S602 to S606.

Step S602, receiving a payment confirmation reminder sent by the server for the payment request of the target user in the target transaction.

According to the payment confirmation processing method provided by the embodiment, after the payment request submitted by the target user when paying for the target transaction is obtained, the payment confirmation prompt sent by the server for the payment request is received, the payment confirmation instruction submitted by the associated user for the payment confirmation prompt is obtained and sent to the server, so that the payment processing is carried out on the target transaction, the payment safety and the fund safety of the target user are ensured, fund loss is avoided, the target user is helped to reasonably use the internet for payment, the consumption granularity is reduced, and diversified payment scene requirements are met.

In specific implementation, in the process of payment for a target transaction by a target user, a payment control is triggered to submit a payment instruction, a second terminal generates a payment request according to the payment instruction and sends the payment request to a server, the server receives the payment request submitted for the target transaction and sent by the second terminal, and reads an associated user establishing a payment authorization relationship with the target user and a payment confirmation strategy configured for the target user from a payment authorization record.

Performing association check on the payment request according to the read payment confirmation strategy to determine whether the payment request triggers the payment confirmation strategy; if the payment verification result is that the payment request triggers a payment confirmation strategy, sending a payment confirmation prompt to a first terminal of the associated user to acquire a payment confirmation instruction submitted by the associated user, acquiring identity authentication information of a target user based on the payment confirmation instruction and performing payment processing on the associated user; optionally, the payment confirmation reminder is sent after the payment request triggers the payment confirmation policy and before the identity authentication information of the target user is acquired.

The correlation verification means verifying a payment request initiated by a user of one party in a payment process according to a payment confirmation strategy constructed by the user of the other party; or, according to a payment confirmation strategy constructed by the multi-party user to one party user, the payment request initiated by one party user in the payment process is verified respectively.

The payment authorization relationship comprises a dependency relationship which is used for verifying and confirming the payment request paid by the target user for the target transaction according to the payment confirmation strategy configured by the associated user for the target user; it should be noted that the payment authorization relationship is not limited to be established between the associated user and the target user, and the payment authorization relationship can be established between any two users registered in the application, so that the user who establishes the payment authorization relationship with the associated user may be one user or multiple users, and similarly, the user who establishes the payment authorization relationship with the target user may be one user or multiple users; the registered application refers to an application program for running target transaction.

In addition, in the process of performing the associated verification, since one or more associated users may establish a payment authorization relationship with the target user, the payment confirmation policy configured for the target user may be one or more, and the process of performing the associated verification on the payment request of the target user according to the payment confirmation policy may be performed once or multiple times; similarly, in the process of submitting the payment confirmation instruction, that is, performing payment confirmation, the associated user may be one or more, and then the payment confirmation may be performed once or multiple times.

Specifically, in order to realize payment confirmation of the associated user to the target user in the payment process and obtain agreement of the target user, the server sends authorization invitation information carrying a payment confirmation strategy to a second terminal of the target user, if a confirmation instruction of the authorization invitation information returned by the second terminal is received, a payment confirmation permission is opened for the associated user when the target user pays in the target transaction, the authorization state is marked as an authorization valid state, and a payment authorization record is generated for storage.

Wherein the payment authorization records are shown in table 3 below:

TABLE 3

It should be noted that the user identifier in the target user identifier and the associated user identifier may be a user account, or a user identity identifier code, etc.; in the process of establishing the payment authorization relationship, a payment authorization record can be created according to the payment confirmation policy and one of the payment confirmation authority and the authorization valid state.

In specific implementation, after receiving a payment request submitted by a second terminal of a target user for a target transaction, a server reads an associated user establishing a payment authorization relationship with the target user and a payment confirmation policy configured for the target user from a payment authorization record, and performs associated verification on the payment request according to the read payment confirmation policy to determine whether the payment request triggers the payment confirmation policy.

Specifically, in the process of performing multiple payment verification on the payment request according to the payment confirmation policy configured by the associated user, the server performs the following operations:

if not, determining that the payment request triggers a payment confirmation strategy, and if so, not processing;

and judging whether the transferred account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy;

For example, the payment amount carried in the payment request is 1200 yuan, the single consumption limit corresponding to the payment confirmation policy is 1000 yuan, and the payment amount exceeds the single consumption limit, so that the payment request triggers the single consumption limit corresponding to the payment confirmation policy; for another example, the transfer of the payment amount to the abnormal account in the payment confirmation policy requires the associated user to perform payment confirmation, and the transfer account of the payment amount carried in the payment request is the abnormal account, so that the payment request triggers the corresponding transfer account in the payment confirmation policy to be the abnormal account.

It needs to be supplemented that, in the process of performing the associated verification on the payment request according to the payment confirmation policy configured by the associated user, the server can also detect whether the payment amount carried in the payment request is matched with the corresponding payment amount in the payment confirmation policy; if yes, no processing is carried out, and if not, the payment request is determined to trigger a payment confirmation strategy; or judging whether the transferred account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy; if yes, determining that the payment request triggers a payment confirmation strategy, and if not, not processing.

The first method comprises the following steps:

reading a payment authorization record aiming at a target user, and screening the authorization record of which the authorization state is an authorization valid state;

and if the first confirmation strategy configured by the first associated user in the authorization record is consistent with the second confirmation strategy configured by the second associated user, performing associated verification on the corresponding payment parameters carried in the payment request according to the payment elements in the first confirmation strategy or the second confirmation strategy.

And the second method comprises the following steps:

Specifically, in the process of releasing the payment authorization relationship, the server does not delete the payment authorization record, but changes the authorization state from the authorization valid state to the authorization invalid state, so that in the read payment authorization record for the target user, the server can screen the authorization record of which the authorization state is the authorization valid state;

if the first confirmation strategy configured by the first associated user in the authorization record is the same as the second confirmation strategy configured by the second associated user, the server performs associated verification on the corresponding payment parameters carried in the payment request according to the payment elements in the first confirmation strategy or the second confirmation strategy, or performs associated verification on the payment request according to the first confirmation strategy and performs associated verification on the payment request based on the second confirmation strategy so as to adapt to diversified payment verification scenes;

if the first confirmation policy configured by the first associated user and the second confirmation policy configured by the second associated user in the authorization record are different, the server performs associated verification on the payment request based on the second confirmation policy after performing associated verification on the payment request according to the first confirmation policy.

For example, the first confirmation policy configured by the first associated user in the authorization record is "1000 yuan for consumption per unit time limit", the second confirmation policy configured by the second associated user is also "1000 yuan for consumption per unit time limit", which indicates that the first confirmation policy configured by the first associated user is the same as the second confirmation policy configured by the second associated user, and the server may perform the associated verification on the corresponding payment parameter (payment amount is 1200 yuan) carried in the payment request according to the payment element (1000 yuan for consumption per unit time limit) in the payment confirmation policy.

For another example, the first confirmation policy configured by the first associated user in the authorization record is "1000 yuan for consumption per unit time", the second confirmation policy configured by the second associated user is also "1500 yuan for consumption per unit time", which indicates that the first confirmation policy configured by the first associated user is different from the second confirmation policy configured by the second associated user, and the server may perform the associated verification on the payment amount (1600 yuan) carried in the payment request according to the first confirmation policy "1000 yuan for consumption per unit time", and perform the associated verification on the payment amount (1600 yuan) carried in the payment request according to the second confirmation policy "1500 yuan for consumption per unit time".

It should be added that, during the process of performing the associated verification on the payment request according to the payment confirmation policy configured by the associated user, the server may also perform the following operations:

if the first confirmation strategy configured by the first associated user in the authorization record is consistent with the second confirmation strategy configured by the second associated user, performing associated verification on the corresponding payment parameters carried in the payment request according to the payment elements in the first confirmation strategy or the second confirmation strategy;

On the basis that the server performs associated verification on the payment request according to a payment confirmation strategy configured by an associated user establishing a payment authorization relationship with a target user, if the associated verification result is that the payment request triggers the payment confirmation strategy, the server sends a payment confirmation prompt aiming at the payment request to a first terminal of the associated user, and correspondingly, the first terminal receives the payment confirmation prompt sent by the server; and if the associated verification result is that the payment request does not trigger a payment confirmation strategy, the server directly carries out payment processing aiming at the target transaction.

In specific implementation, under the condition that one associated user establishing a payment authorization relationship with a target user is the associated user, the server sends a payment confirmation prompt to the first terminal of the associated user, and the first terminal receives the payment confirmation prompt sent by the server.

And under the condition that the associated users establishing the payment authorization relationship with the target user comprise a first associated user and a second associated user, aiming at the provided first associated verification process, if the payment request triggers a payment confirmation strategy, the server sends a payment confirmation prompt to the terminal equipment of the first associated user and the terminal equipment of the second associated user, the terminal equipment of the first associated user and the terminal equipment of the second associated user receive the payment confirmation prompt sent by the server, or the server sends the payment confirmation prompt to the terminal equipment of the first associated user according to the payment confirmation priority recorded in the payment authorization record, if the server receives a first payment confirmation instruction sent by the terminal equipment of the first associated user, the server does not send the payment confirmation prompt to the terminal equipment of the second associated user, and if the server does not receive the first payment confirmation instruction sent by the terminal equipment of the first associated user, then a payment confirmation reminder is sent to the terminal equipment of the second associated user.

Aiming at the provided second kind of associated verification process, if the payment request triggers any one of the first confirmation strategy and the second confirmation strategy, the server sends a payment confirmation prompt to the terminal equipment of the associated user corresponding to the confirmation strategy triggering the payment request; if the payment requests trigger a first confirmation strategy and a second confirmation strategy, the server sends payment confirmation reminders to both the terminal equipment of the first associated user and the terminal equipment of the second associated user, and the terminal equipment of the first associated user and the terminal equipment of the second associated user receive the payment confirmation reminders sent by the server; and if the payment request does not trigger the first confirmation strategy and the second confirmation strategy, the server does not process.

Step S604, obtaining a payment confirmation instruction submitted by the associated user for the payment confirmation reminder.

As described above, after the payment request is subjected to the associated verification according to the payment confirmation policy, if the payment verification result is that the payment request triggers the payment confirmation policy, the payment confirmation reminder is sent to the first terminal of the associated user, and the first terminal obtains the payment confirmation instruction submitted by the associated user for the payment confirmation reminder.

Optionally, the associated user and the target user establish a payment authorization relationship, and a payment confirmation policy is configured for the target user.

Step S606, sending the payment confirmation instruction to the server.

As described above, the first terminal obtains the payment confirmation instruction submitted by the associated user for the payment confirmation reminder, and sends the payment confirmation instruction to the server, and correspondingly, the server receives the payment confirmation instruction of the payment confirmation reminder sent by the first terminal, and obtains the identity authentication information of the target user according to the payment confirmation instruction to check, and after the check is passed, performs payment processing on the target transaction.

In practical application, in order to prevent a target user from logging in an account of an associated user to agree with a payment request of the target user, in the process that the associated user submits a payment confirmation instruction for a payment confirmation reminder, the identity needs to be verified, and it is ensured that the user who performs the payment confirmation is the associated user. In an optional implementation manner provided by this embodiment, in the process of obtaining the payment confirmation instruction submitted by the associated user for the payment confirmation reminder, the following operations are performed:

and acquiring biological characteristic information through an information acquisition interface configured on the identity verification page.

and if so, determining that the associated user submits a payment confirmation instruction for the payment confirmation reminder.

If not, no processing is performed.

In specific implementation, after the associated user submits the payment confirmation instruction according to the payment confirmation prompt, the first terminal sends the payment confirmation instruction to the server, the server obtains the identity authentication information of the target user according to the received payment confirmation instruction to check, and after the check is passed, payment processing is carried out on the target transaction. The following describes in detail a process of performing payment processing by a server corresponding to one associated user and a plurality of associated users.

(1) Associated user is one

The server sends a payment confirmation prompt to a first terminal of the associated user under the condition that the associated user establishing the payment authorization relationship with the target user is one, if the server obtains a payment confirmation instruction aiming at the payment confirmation prompt sent by the first terminal, the server obtains the identity authentication information of the target user according to the payment confirmation instruction for verification, and after the verification is passed, the server carries out payment processing on the target transaction; the identity authentication information here includes iris information, fingerprint information, face image, and payment key input by the target user.

Aiming at the provided first association verification process, a first confirmation strategy configured by a first association user in the authorization record is consistent with a second confirmation strategy configured by a second association user, and the server performs association verification on the corresponding payment parameters carried in the payment request according to the payment elements in the first confirmation strategy or the second confirmation strategy;

a. the server sends a payment confirmation prompt to the terminal equipment of the first associated user and the terminal equipment of the second associated user, acquires the identity authentication information of the target user according to a first payment confirmation instruction submitted by the first associated user and a second payment confirmation instruction submitted by the second associated user, and carries out payment processing on the target transaction; in addition, if a first payment confirmation instruction of a first associated user or a second payment confirmation instruction of a second associated user is detected, the server acquires the identity authentication information of the target user based on the detected payment confirmation instruction and performs verification; and after the verification is passed, performing payment processing on the target transaction.

b. According to the payment confirmation priority recorded in the payment authorization record, the server firstly sends a payment confirmation prompt to the terminal equipment of the first associated user, and if a first payment confirmation instruction sent by the terminal equipment of the first associated user is received, the server acquires the identity authentication information of the target user and carries out payment processing on the target transaction, and does not send the payment confirmation prompt to the terminal equipment of the second associated user; and if the first payment confirmation instruction sent by the terminal equipment of the first associated user is not received, the server sends a payment confirmation prompt to the terminal equipment of the second associated user, and acquires the identity authentication information of the target user and carries out payment processing on the target transaction according to the second payment confirmation instruction aiming at the payment confirmation prompt sent by the terminal equipment of the second associated user.

Aiming at the provided second association verification process, the first confirmation strategy configured by the first association user in the authorization record is inconsistent with the second confirmation strategy configured by the second association user, the server performs association verification on the payment request according to the first confirmation strategy, and performs association verification on the payment request based on the second confirmation strategy.

a. And if the payment request triggers any one of the first confirmation strategy and the second confirmation strategy, the server sends a payment confirmation prompt to the terminal equipment of the associated user corresponding to the confirmation strategy triggering the payment request, and acquires the identity authentication information of the target user according to the received payment confirmation instruction to perform payment processing on the target transaction.

b. If the payment requests trigger the first confirmation strategy and the second confirmation strategy, the server sends payment confirmation prompts to the terminal equipment of the first associated user and the terminal equipment of the second associated user; the server acquires the identity authentication information of the target user and carries out payment processing on the target transaction according to a first payment confirmation instruction submitted by the first associated user and a second payment confirmation instruction submitted by the second associated user; in addition, the server can also receive a first payment confirmation instruction of the first associated user or a second payment confirmation instruction of the second associated user, acquire the identity authentication information of the target user based on the received payment confirmation instruction and check the identity authentication information, and after the identity authentication information passes the check, the target transaction is paid.

c. And if the payment request does not trigger the first confirmation strategy and the second confirmation strategy, the server directly acquires the identity authentication information of the target user for verification, and performs payment processing on the target transaction after the verification is passed.

In order to flexibly adjust the payment confirmation, for example, a teenager user finishes the study and can reasonably arrange own funds after participating in the work, after the associated user confirms the payment of the target transaction of the target user within a certain time, the server can release the payment authorization relationship, or after the time reaches the authorization period, the server can also release the payment authorization relationship. Specifically, the payment authorization relationship may be released by:

alternatively, the first and second electrodes may be,

sending a cancellation application for the payment authorization relationship to the second terminal;

alternatively, the first and second electrodes may be,

and if a releasing instruction of the releasing application submitted by the first terminal is received, the payment authorization relation between the associated user and the target user is released based on the releasing instruction.

Step S412, after the payment confirmation reminding is triggered, displaying an identity verification page.

The method comprises the steps that a server receives a payment request submitted by a second terminal of an old user for a target transaction, reads family members establishing a payment authorization relationship with the old user and a configured payment confirmation strategy, and judges whether a transferred account of payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy; if not, no processing is carried out, if yes, the payment request is confirmed to trigger a payment confirmation strategy, and a payment confirmation prompt is sent to the first terminal of the family.

And step S414, collecting the biological characteristic information through an information collection interface configured on the identity verification page.

And step S416, uploading the acquired biological characteristic information to a server.

The server judges whether the biological characteristic information uploaded by the first terminal is matched with the biological characteristic information of the family or not; if not, no processing is carried out, and if the two are matched, the family is determined to submit the payment confirmation instruction according to the payment confirmation prompt and the payment confirmation instruction is synchronized to the second terminal.

And the server checks the identity authentication information sent by the second terminal, and after the verification is passed, payment processing is carried out on the target transaction. The identity authentication information here includes iris information, fingerprint information, face image, and payment key input by the elderly user.

Step S426, a release request for the payment authorization relationship is sent to the server.

And the server returns a release application aiming at the payment authorization relationship to the second terminal.

The server releases the payment authorization relationship between the family and the old user based on the release instruction.

Step S512, a payment confirmation instruction aiming at the payment confirmation reminder is sent to the server.

The server receives a payment request submitted by a second terminal of a teenager user aiming at a target transaction, reads a payment authorization record aiming at the teenager user, screens the authorization record of which the authorization state is an authorization valid state in the payment authorization record, if a first confirmation strategy configured by a mother in the authorization record is inconsistent with a second confirmation strategy configured by a father, performs association verification on the payment request according to the first confirmation strategy, and if the payment request triggers the first confirmation strategy, sends a payment confirmation prompt to the first terminal of the mother.

And the server synchronizes the payment confirmation instruction sent by the first terminal to the second terminal, performs association verification on the payment request based on the second confirmation strategy, and sends a payment confirmation prompt to a third terminal of the father if the payment request triggers the second confirmation strategy.

And the third terminal sends a payment confirmation instruction of the payment confirmation prompt to the server. And the server synchronizes the payment confirmation instruction sent by the third terminal to the second terminal. The second terminal acquires the identity authentication information of the teenager user and sends the identity authentication information to the server.

And the server performs identity verification on the identity authentication information of the teenager user sent by the second terminal, and performs payment processing on the target transaction after the identity verification is passed.

Or after the association verification is completed, if the payment request triggers the first confirmation strategy and the second confirmation strategy, sending a payment confirmation prompt to the first terminal and the third terminal at the same time, and after receiving payment confirmation instructions of the payment confirmation prompt sent by the first terminal and the third terminal, synchronizing the payment confirmation instruction to the second terminal.

In summary, in the payment confirmation processing method provided in this embodiment, the payment confirmation reminder sent by the receiving server for the payment request of the target user in the target transaction is received, the identity verification page returned by the receiving server after the payment confirmation reminder is triggered is received, the biometric information is acquired through the information acquisition interface configured on the identity verification page, and the biometric information is uploaded to the server, so that under the condition that the biometric information is consistent with the biometric information of the associated user, the identity authentication information of the target user is acquired and the target transaction is subjected to payment processing, so that the payment security and fund security of the target user are ensured, fund loss is avoided, the target user is helped to pay by using the internet reasonably, the consumption granularity is reduced, and diversified payment scene requirements are met.

The embodiment of a payment authorization device provided by the specification is as follows:

in the above embodiments, a payment authorization method is provided, and a payment authorization apparatus is provided, which is described below with reference to the accompanying drawings.

Referring to fig. 7, a schematic diagram of a payment authorization apparatus provided in the embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a payment authorization apparatus, including:

a policy obtaining module 702, configured to obtain a target user who performs an authorization invitation and is sent by a first terminal of an associated user, and a payment confirmation policy configured for the target user;

an invitation information sending module 704, configured to send an authorization invitation information carrying the payment confirmation policy to a second terminal of the target user, and receive a confirmation instruction of the authorization invitation information sent by the second terminal;

an authorization relationship establishing module 706 configured to establish a payment authorization relationship between the associated user and the target user based on the confirmation instruction, so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation policy.

An embodiment of a payment confirmation processing apparatus provided in this specification is as follows:

in the above embodiments, a payment confirmation processing method applied to a server is provided, and correspondingly, a payment confirmation processing apparatus operating in the server is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 8, a schematic diagram of a payment confirmation processing apparatus provided in this embodiment is shown.

The present embodiment provides a payment confirmation processing apparatus, operating in a server, including:

a payment request receiving module 802 configured to receive a payment request submitted by a second terminal of a target user for a target transaction;

the association verification module 804 is configured to perform association verification on the payment request according to a payment confirmation policy configured by an associated user establishing a payment authorization relationship with the target user for the target user;

if the associated verification result is that the payment request triggers the payment confirmation policy, operating a confirmation reminder sending module 806, where the confirmation reminder sending module 806 is configured to send a payment confirmation reminder to the first terminal of the associated user;

and the payment processing module 808 is configured to acquire the identity authentication information of the target user and perform payment processing on the target transaction according to a payment confirmation instruction submitted by the associated user for the payment confirmation prompt.

Another payment confirmation processing apparatus provided in the present specification includes:

in the above embodiments, a payment confirmation processing method applied to the first terminal is provided, and correspondingly, a payment confirmation processing apparatus operating in the first terminal is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 9, a schematic diagram of a payment confirmation processing apparatus provided in this embodiment is shown.

The present embodiment provides a payment confirmation processing apparatus, operating in a first terminal, including:

a confirmation reminder receiving module 902 configured to receive a payment confirmation reminder sent by the server for a payment request of a target user in a target transaction;

a confirmation instruction obtaining module 904 configured to obtain a payment confirmation instruction submitted by the associated user for the payment confirmation reminder; the associated user and the target user establish a payment authorization relationship and are configured with a payment confirmation strategy aiming at the target user;

a confirmation instruction sending module 906 configured to send the payment confirmation instruction to the server; and the payment confirmation prompt is sent after the payment request triggers the payment confirmation strategy and before the identity authentication information of the target user is acquired.

corresponding to the above-described payment authorization method, based on the same technical concept, one or more embodiments of the present specification further provide a payment authorization apparatus for executing the above-described provided payment authorization method, and fig. 10 is a schematic structural diagram of a payment authorization apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a payment authorization apparatus, including:

as shown in fig. 10, the payment authorization apparatus may have a large difference due to different configurations or performances, and may include one or more processors 1001 and a memory 1002, and one or more stored applications or data may be stored in the memory 1002. Memory 1002 may be, among other things, transient storage or persistent storage. The application stored in memory 1002 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a payment authorization device. Still further, the processor 1001 may be configured to communicate with the memory 1002 to execute a series of computer-executable instructions in the memory 1002 on the payment authority device. The payment authorization apparatus may also include one or more power sources 1003, one or more wired or wireless network interfaces 1004, one or more input/output interfaces 1005, one or more keyboards 1006, etc.

In a particular embodiment, the payment authorization apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment authorization apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

acquiring a target user carrying out authorization invitation sent by a first terminal of an associated user and a payment confirmation strategy configured for the target user;

sending authorization invitation information carrying the payment confirmation strategy to a second terminal of the target user, and receiving a confirmation instruction of the authorization invitation information sent by the second terminal;

and establishing a payment authorization relation between the associated user and the target user based on the confirmation instruction so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation strategy.

corresponding to the above-described payment confirmation processing method applied to the server, based on the same technical concept, one or more embodiments of the present specification further provide a payment confirmation processing apparatus for executing the above-described provided payment confirmation processing method, and fig. 11 is a schematic structural diagram of a payment confirmation processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a payment confirmation processing apparatus, including:

as shown in fig. 11, the payment confirmation processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 1101 and a memory 1102, where the memory 1102 may store one or more stored applications or data. Wherein memory 1102 may be transient or persistent. The application stored in memory 1102 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the payment confirmation processing apparatus. Still further, the processor 1101 may be arranged in communication with the memory 1102 to execute a series of computer executable instructions in the memory 1102 on the payment confirmation processing device. The payment confirmation processing apparatus may also include one or more power supplies 1103, one or more wired or wireless network interfaces 1104, one or more input/output interfaces 1105, one or more keyboards 1106, and the like.

In a particular embodiment, the payment confirmation processing apparatus comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the payment confirmation processing apparatus, and the one or more programs configured to be executed by the one or more processors comprise computer-executable instructions for:

receiving a payment request submitted by a second terminal of a target user for a target transaction;

performing association verification on the payment request according to a payment confirmation strategy configured by an associated user establishing a payment authorization relation with the target user aiming at the target user;

if the associated verification result is that the payment request triggers the payment confirmation strategy, a payment confirmation prompt is sent to a first terminal of the associated user;

and acquiring the identity authentication information of the target user and carrying out payment processing on the target transaction according to a payment confirmation instruction submitted by the associated user aiming at the payment confirmation prompt.

Another payment confirmation processing apparatus embodiment provided in this specification is as follows:

corresponding to the payment confirmation processing method applied to the first terminal described above, based on the same technical concept, one or more embodiments of the present specification further provide a payment confirmation processing apparatus for executing the provided payment confirmation processing method, and fig. 12 is a schematic structural diagram of the payment confirmation processing apparatus provided in one or more embodiments of the present specification.

as shown in fig. 12, the payment confirmation processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 1201 and a memory 1202, and one or more stored applications or data may be stored in the memory 1202. Memory 1202 may be, among other things, transient storage or persistent storage. The application program stored in memory 1202 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a payment confirmation processing apparatus. Still further, the processor 1201 may be configured to communicate with the memory 1202 to execute a series of computer-executable instructions in the memory 1202 on the payment confirmation processing device. The payment confirmation processing apparatus may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input/output interfaces 1205, one or more keypads 1206, and the like.

receiving a payment confirmation prompt sent by a server aiming at a payment request of a target user in a target transaction;

obtaining a payment confirmation instruction submitted by the associated user aiming at the payment confirmation prompt; the associated user and the target user establish a payment authorization relationship and are configured with a payment confirmation strategy aiming at the target user;

sending the payment confirmation instruction to the server;

and sending the payment confirmation prompt after the payment request triggers the payment confirmation strategy and before the identity authentication information of the target user is acquired.

The first storage medium embodiment provided in this specification is as follows:

corresponding to the above-described payment authorization method, based on the same technical concept, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed by the processor, the following processes are implemented:

sending an authorization invitation message carrying the payment confirmation strategy to a second terminal of the target user, and receiving a confirmation instruction of the authorization invitation message sent by the second terminal;

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment authorization method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not described here.

The second storage medium example provided in this specification is as follows:

on the basis of the same technical concept corresponding to the payment confirmation processing method applied to the server described above, one or more embodiments of the present specification further provide a storage medium.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment confirmation processing method in this specification are based on the same inventive concept, and therefore, specific implementation of this embodiment may refer to implementation of the foregoing corresponding method, and repeated details are not repeated.

The third storage medium embodiment provided in this specification is as follows:

on the basis of the same technical concept, corresponding to the payment confirmation processing method applied to the first terminal described above, one or more embodiments of the present specification further provide a storage medium.

sending the payment confirmation instruction to the server;

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

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished 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 making 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, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. 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 storing 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 an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, 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 functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description 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 description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable payment confirmation processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable payment confirmation 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 payment confirmation 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 payment confirmation 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 disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

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

One or more embodiments of the present description 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. One or more embodiments of the specification 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.

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

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A payment authorization method, comprising:

2. The payment authorization method of claim 1, the establishing a payment authorization relationship of the associated user with the target user based on the confirmation instruction, comprising:

3. The payment authorization method according to claim 2, after the establishing of the payment authorization relationship between the associated user and the target user based on the confirmation instruction for performing multiple payment verification steps for the payment request of the target user for payment for the target transaction according to the payment confirmation policy, further comprising:

detecting whether the authorization term recorded in the payment authorization record expires;

if so, releasing the payment authorization relationship between the associated user and the target user;

alternatively, the first and second electrodes may be,

and if a release instruction of the release application submitted by the second terminal is received, releasing the payment authorization relationship between the associated user and the target user based on the release instruction.

4. The payment authorization method of claim 1, the multiple payment verification of the payment request for payment by the target user for the target transaction according to the payment confirmation policy, comprising:

5. The payment authorization method according to claim 1, before the steps of obtaining a target user who is sent by a first terminal of an associated user and makes an authorization invitation, and configuring a payment confirmation policy for the target user are executed, the method further comprising:

6. A payment confirmation processing method is applied to a server and comprises the following steps:

7. The payment confirmation processing method according to claim 6, wherein the performing the associated verification on the payment request according to the payment confirmation policy configured for the target user by the associated user who establishes the payment authorization relationship with the target user comprises:

if not, determining that the payment request triggers the payment confirmation strategy;

and/or the presence of a gas in the atmosphere,

judging whether a transfer account of the payment amount carried in the payment request is an abnormal account or not based on the payment confirmation strategy;

and if so, determining that the payment request triggers the payment confirmation strategy.

8. The payment confirmation processing method according to claim 6, wherein the payment authorization relationship is established by:

9. The payment confirmation processing method according to claim 6, wherein the performing the associated verification on the payment request according to the payment confirmation policy configured for the target user by the associated user who establishes the payment authorization relationship with the target user comprises:

correspondingly, the obtaining of the identity authentication information of the target user and the payment processing of the target transaction according to the payment confirmation instruction submitted by the associated user for the payment confirmation prompt includes:

and acquiring the identity authentication information of the target user and performing payment processing on the target transaction according to a first payment confirmation instruction submitted by the first associated user and a second payment confirmation instruction submitted by the second associated user.

10. The payment confirmation processing method according to claim 9, wherein if the first confirmation policy configured by the first associated user is not consistent with the second confirmation policy configured by the second associated user in the authorization record, the following steps are performed:

and performing association verification on the payment request according to the first confirmation strategy, and performing association verification on the payment request based on the second confirmation strategy.

11. The payment confirmation processing method of claim 6, wherein the obtaining of the identity authentication information of the target user and the payment processing of the target transaction according to the payment confirmation instruction submitted by the associated user for the payment confirmation reminder comprises:

if a first payment confirmation instruction submitted by a first associated user or a second payment confirmation instruction submitted by a second associated user is detected, acquiring the identity authentication information of the target user based on the detected payment confirmation instruction and verifying the identity authentication information;

and after the verification is passed, performing payment processing on the target transaction.

12. The payment confirmation processing method according to claim 6, wherein the payment confirmation instruction is determined in the following manner:

if the payment confirmation prompt is triggered, returning an identity verification page to the first terminal;

and if so, determining that the associated user submits the payment confirmation instruction for the payment confirmation reminder.

13. The payment confirmation processing method of claim 6, further comprising, after the steps of obtaining the identity authentication information of the target user and performing payment processing on the target transaction according to the payment confirmation instruction submitted by the associated user for the payment confirmation reminder are executed:

alternatively, the first and second electrodes may be,

14. A payment confirmation processing method is applied to a first terminal and comprises the following steps:

obtaining a payment confirmation instruction submitted by the associated user for the payment confirmation reminder; the associated user and the target user establish a payment authorization relationship and are configured with a payment confirmation strategy aiming at the target user;

sending the payment confirmation instruction to the server;

15. The payment confirmation processing method of claim 14, wherein the payment authorization relationship is established by:

and sending authorization invitation information carrying the payment confirmation strategy to a second terminal of the target user, and establishing a payment authorization relationship between the associated user and the target user according to a confirmation instruction sent by the second terminal.

16. The payment confirmation processing method of claim 14, the obtaining of the payment confirmation instruction submitted by the associated user for the payment confirmation reminder, comprising:

17. A payment authorization apparatus comprising:

the system comprises a policy acquisition module, a payment confirmation module and a payment confirmation module, wherein the policy acquisition module is configured to acquire a target user for authorization invitation sent by a first terminal of an associated user and a payment confirmation policy configured for the target user;

the invitation information sending module is configured to send authorization invitation information carrying the payment confirmation policy to a second terminal of the target user and receive a confirmation instruction of the authorization invitation information sent by the second terminal;

and the authorization relation establishing module is configured to establish a payment authorization relation between the associated user and the target user based on the confirmation instruction so as to perform multiple payment verification on the payment request of the target user for payment of the target transaction according to the payment confirmation strategy.

18. A payment confirmation processing apparatus, operating in a server, comprising:

the payment request receiving module is configured to receive a payment request submitted by a second terminal of a target user for a target transaction;

the associated verification module is configured to perform associated verification on the payment request according to a payment confirmation strategy configured by an associated user establishing a payment authorization relation with the target user aiming at the target user;

if the associated verification result is that the payment request triggers the payment confirmation strategy, operating a confirmation prompt sending module, wherein the confirmation prompt sending module is configured to send a payment confirmation prompt to a first terminal of the associated user;

and the payment processing module is configured to acquire the identity authentication information of the target user and perform payment processing on the target transaction according to a payment confirmation instruction submitted by the associated user for the payment confirmation prompt.

19. A payment confirmation processing apparatus, operable at a first terminal, comprising:

the confirmation reminding receiving module is configured to receive a payment confirmation reminding sent by the server aiming at a payment request of a target user in a target transaction;

a confirmation instruction acquisition module configured to acquire a payment confirmation instruction submitted by the associated user for the payment confirmation reminder; the associated user and the target user establish a payment authorization relationship and are configured with a payment confirmation strategy aiming at the target user;

a confirmation instruction sending module configured to send the payment confirmation instruction to the server; and the payment confirmation prompt is sent after the payment request triggers the payment confirmation strategy and before the identity authentication information of the target user is acquired.

20. A payment authorization apparatus comprising:

a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to:

21. A payment confirmation processing apparatus comprising:

22. A payment confirmation processing apparatus comprising:

sending the payment confirmation instruction to the server;

23. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

24. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

25. A storage medium storing computer-executable instructions that when executed by a processor implement the following:

sending the payment confirmation instruction to the server;