CN114493609A - Payment processing method and device - Google Patents

Abstract

The embodiment of the specification provides a payment processing method and a payment processing device, wherein the payment processing method comprises the following steps: acquiring a payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request; determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request; calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set; and if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

Description

Payment processing method and device

Technical Field

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

Background

With the continuous development of internet and information technology, users can pay in various ways, such as cash payment, electronic payment, etc., while enjoying services or after enjoying services; when the electronic payment is carried out, the payment can be carried out by scanning the merchant cash register code or displaying the payment code, in addition, the user can also sign a withholding protocol, and the withholding protocol is automatically withheld according to the withholding protocol during actual payment without manual confirmation of the user.

Disclosure of Invention

One or more embodiments of the present specification provide a payment processing method. The payment processing method comprises the following steps: the method comprises the steps of obtaining a payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request. And determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request. And calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set. And if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

One or more embodiments of the present specification provide a payment processing apparatus, including: the order creating module is configured to obtain a payment request submitted by a merchant and create a payment order according to payment parameters contained in the payment request. And the mode determining module is configured to determine a detection payment mode for performing duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request. And the correlation calculation module is configured to calculate the correlation between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detected payment mode read from the historical order set. And if the correlation degree meets the reminding condition, operating a reminding sending module, wherein the reminding sending module is configured to send a payment confirmation reminding to the merchant.

One or more embodiments of the present specification provide a payment processing 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 payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request. And determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request. And calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set. And if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed by a processor, implement the following: the method comprises the steps of obtaining a payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request. And determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request. And calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set. And if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

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 processing method according to one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a payment processing method applied to a parking service scenario according to one or more embodiments of the present disclosure;

FIG. 3 is a schematic diagram of a payment processing apparatus according to one or more embodiments of the present disclosure;

fig. 4 is a schematic structural diagram of a payment processing apparatus according to one or more embodiments of the present disclosure.

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.

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

referring to fig. 1, which shows a processing flow chart of a payment processing method provided by the present embodiment, and referring to fig. 2, which shows a processing flow chart of a payment processing method applied to a parking service scenario provided by the present embodiment.

Referring to fig. 1, the payment processing method provided in this embodiment specifically includes step S102 to step S108.

Step S102, a payment request submitted by a merchant is obtained, and a payment order is created according to payment parameters contained in the payment request.

In practical application, electronic payment comprises a plurality of payment modes such as face-scanning code payment and withholding payment, but when network jitter or delay occurs in a merchant network or a payment platform, the payment platform cannot timely receive a transaction request or cannot timely return a withholding result, and withholding payment does not need manual confirmation of a user, so that the user can pay in other modes due to overlong waiting time at a service point, but pay in other modes after the user leaves the service point according to a withholding protocol, and bad experience of repeated withholding is caused for the user.

In the payment processing method provided by the embodiment, whether a historical payment order with high correlation with the payment order exists is judged by detecting orders of different payment modes, so as to determine whether the payment order is a repeated payment order; specifically, after a payment order is created, the correlation degree of the payment order and a historical payment order different from the payment mode of the payment order is calculated, and a payment confirmation prompt is sent to a merchant under the condition that the correlation degree meets a prompt condition, so that the merchant confirms the current payment order, therefore, the payment processing of the payment order is suspended under the condition that the historical payment order with high correlation degree with the payment order is obtained through calculation, the merchant is confirmed, repeated payment is avoided, and the payment experience of a user is improved.

The payment parameters described in this embodiment include information that characterizes the transaction process and is carried in the transaction process. The payment orders comprise orders which are generated based on payment parameters contained in the payment request and have not completed payment.

In specific implementation, a payment request submitted by a merchant is acquired, and a payment order is created according to payment parameters contained in the payment request.

For example, the parking service provider calculates the parking fee when the vehicle arrives at the exit of the parking lot, and initiates a payment request, wherein the payment request carries the vehicle identifier, the parking fee, the merchant order number, the parking lot identifier, the parking duration, the parking lot position and the payment position, and a payment order corresponding to the payment request is created according to the vehicle identifier, the parking fee, the merchant order number, the parking lot identifier, the parking duration, the parking lot position and the payment position carried in the payment request.

And step S104, determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request.

The payment method in this embodiment includes a payment means adopted by the user when paying for the service provided by the merchant; the method comprises a code scanning payment mode and a withholding payment mode; the code scanning payment mode comprises the steps that a merchant scans a payment code presented by a user and/or the user scans a cash register code of the merchant. The payment detection method comprises a payment method different from the payment method corresponding to the payment request.

In practical application, aiming at the same payment mode, two identical payments are difficult to generate within a certain time threshold; for example, the withholding payment mode cannot be used again within a certain time range if one-time withholding payment is finished; for another example, in a code-scanning payment mode, if the user has presented his or her own payment code and the user confirms that the merchant has scanned the code, the user will not present his or her own payment code again for the same order in a short time.

In specific implementation, in order to improve the efficiency of performing duplicate removal detection on a payment order, in an optional implementation manner provided in this embodiment, a detection payment manner is determined in the following manner:

determining the payment mode corresponding to the payment request based on the payment type identifier;

and determining the rest payment modes except the payment mode in the payment mode set as the detection payment modes.

The payment mode set comprises a set for recording different payment modes; the payment mode recorded in the method comprises the following steps: code (user scans the payment code of the merchant and the payment code of the merchant scanned user), payment mode, cash payment mode and/or withholding payment mode.

Specifically, according to the payment type identifier included in the payment request, the payment method corresponding to the payment request is determined, and then the payment methods other than the payment method corresponding to the payment request are determined in the payment method set to serve as the detection payment method for performing deduplication detection on the payment order.

For example, a payment request submitted by a parking service provider is acquired, and according to a payment type identifier carried in the payment request, the payment request or a payment mode corresponding to a payment order is determined to be a code payment mode, and a withholding payment mode other than the code payment mode is determined in the payment mode set to be a detection payment mode for performing duplicate removal detection on the payment order.

Step S106, calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set.

In the historical order collection of the embodiment, the historical payment orders which have completed payment are stored; the candidate payment orders comprise historical payment orders read from a historical order set for de-duplication detection of payment orders. And the correlation comprises the matching degree or the similarity of the payment order and the candidate payment order.

In specific implementation, because the number of historical payment orders stored in the historical order set is large, if the candidate payment orders are determined only according to the detection payment mode, the number of the read candidate payment orders is also large, and the calculation efficiency is reduced due to more data when the correlation degree calculation is carried out;

since the types of the payment objects in the payment order are different, the process of determining the candidate payment order is also different, and in order to improve the accuracy of the candidate payment order and improve the calculation efficiency of the correlation, the embodiment provides two ways of determining the candidate payment order, and the two ways of determining the candidate payment order are specifically described below.

The first method comprises the following steps: in order to improve the effectiveness of the determined candidate payment order when the payment order can be distinguished by the payment object, in an optional implementation manner provided by this embodiment, the candidate payment order is determined as follows:

screening intermediate payment orders in the historical order set according to payment object identification and/or payment time contained in the payment parameters;

and determining the historical payment order corresponding to the detection payment mode in the intermediate payment order as the candidate payment order.

Wherein the payment object comprises goods or services for the transaction; for example, in a payment order of a vehicle after parking in a parking lot, a vehicle identifier is a payment object; for another example, in the payment order after purchasing the goods, the goods are the payment object.

Specifically, according to the payment object identifier and the payment time contained in the payment parameter, a historical payment order form in which the payment object identifier in the order parameter is consistent with the payment object identifier in the payment parameter and the difference between the payment time in the order parameter and the payment time in the payment parameter is smaller than a time threshold value is screened out from the historical payment order form set as an intermediate payment order form, and then the historical payment order form in which the payment mode in the intermediate payment order form is the detection payment mode is determined as a candidate payment order form for performing deduplication detection on the payment order form.

According to the above example, determining that a detection payment mode for carrying out deduplication detection on a payment order created by a payment request submitted by a parking service provider is a withholding payment mode, firstly reading a historical payment order with a vehicle identifier in the order consistent with a vehicle identifier carried in the payment request from a historical order set, and then determining a historical payment order with a difference value between the payment time of the order and the payment time carried in the payment request smaller than a time threshold value from the read historical payment order as an intermediate payment order; and finally, determining a historical payment order with the payment mode being a withholding payment mode from the intermediate payment orders as a candidate payment order for carrying out duplicate removal detection on the payment order.

It should be noted that, in the above description, the process of determining the intermediate payment order according to the payment object identifier and the payment time is described, in order to improve the comprehensiveness of the calculation, the intermediate payment order may be determined by using either the payment object identifier or the payment time; for example, after the detection payment method is determined, a historical payment order in which the payment object identifier included in the order parameter is consistent with the payment object identifier included in the payment parameter is screened out from the historical order set as an intermediate payment order, and the historical payment order in which the payment method is the detection payment method in the intermediate payment order is determined as a candidate payment order for performing deduplication detection on the payment order.

And the second method comprises the following steps: in some transaction scenarios, there are instances where the payment objects are consistent. For this case, this embodiment provides an alternative implementation manner, in which the candidate payment order is determined as follows:

determining a user identifier corresponding to the payment request according to a payment account identifier contained in the payment parameters;

screening out a historical payment order corresponding to the user identification from the historical order set to obtain an order subset;

and determining the historical payment order corresponding to the detection payment mode in the order subset as the candidate payment order.

Specifically, after the detection payment mode is determined, a corresponding user identifier is determined according to a payment account identifier contained in the payment parameter, then a historical payment order corresponding to the user identifier in a historical order set is screened out, and a historical payment order corresponding to the detection payment mode in an order subset formed by the screened historical payment order is determined as a candidate payment order for performing deduplication detection on the payment order.

In the process of screening the historical payment order corresponding to the user identifier in the historical order set, firstly, the available account identifier bound with the user identifier is inquired, and then the historical payment order corresponding to the available account identifier in the historical order set is read.

For example, when a user purchases a certain product and the product name matches, the product name cannot be used for discrimination. Specifically, the payment account identifier contained in the payment parameter is read, then the payment account identifier is inquired and bound with the available account identifier of the user, then the historical payment order in which the payment account identifier in the order parameter is the available account identifier is read in the historical order set, and the historical payment order in which the payment mode is the detection payment mode in the read historical payment order is determined as the candidate payment order.

In specific implementation, after the candidate payment order is determined, the correlation between the payment order and the candidate payment order is calculated based on the payment parameters and the order parameters of the candidate payment order, so that whether to perform payment processing on the payment order is determined by using the correlation.

In a first optional implementation manner provided by this embodiment, the correlation between the payment order and the candidate payment order is calculated as follows:

determining a quantitative payment parameter and a variable payment parameter in the payment parameters, and determining a quantitative order parameter and a variable order parameter in the order parameters;

calculating a first degree of correlation between the quantitative payment parameter and the quantitative order parameter, and a second degree of correlation between the variable payment parameter and the variable order parameter;

and calculating the correlation degree according to the first correlation degree, the second correlation degree and the corresponding correlation weight.

The quantitative payment parameters comprise payment parameters capable of representing uniqueness; namely, only two results, namely a consistent result and an inconsistent result, are obtained after the quantitative payment parameters are compared; the variable payment parameters comprise payment parameters which allow certain errors to occur; the variable payment parameters are compared, errors are allowed to exist, and only one result and an inconsistent result are included. Optionally, the quantitative payment parameters include: a vehicle identification, a parking fee, a payment account identification, and/or a parking lot identification; the variable payment parameters comprise at least one of the following: payment time, parking duration, parking lot position, payment position.

The first relevancy comprises two results of target relevancy and abnormal relevancy, namely the relevancy corresponding to consistent results and inconsistent results; the target correlation is a correlation when the correlation degrees match, and the abnormal correlation is a correlation when the correlation degrees do not match. Specifically, whether quantitative payment parameters in the payment parameters are consistent with corresponding quantitative order parameters in the order parameters is compared, a first correlation degree is calculated according to a comparison result, variable payment parameters in the payment parameters are compared with variable order parameters in the order parameters, a second correlation degree is calculated, and finally, the correlation degree of the payment order and the candidate payment order is calculated according to the first correlation degree, the second correlation degree and corresponding correlation weights.

For example, after candidate payment orders verified in a region for a payment order created based on a payment request submitted by a parking facilitator are determined, for any candidate payment order in the candidate payment orders, the similarity between the payment order and the candidate payment order is calculated as follows: comparing whether a vehicle identifier contained in a payment parameter corresponding to the payment order is consistent with a vehicle identifier contained in an order parameter corresponding to the candidate payment order, comparing whether parking cost contained in the payment parameter is consistent with parking cost contained in the order parameter, comparing whether a collection account identifier contained in the payment parameter is consistent with a collection account identifier contained in the order parameter, and comparing whether a parking lot corresponding to a parking lot identifier contained in the payment parameter is consistent with a parking lot corresponding to a parking lot identifier contained in the order parameter; if one or more of the quantitative correlations are inconsistent, determining the quantitative correlation as an abnormal correlation x1 corresponding to the inconsistency; if the correlation values are consistent, determining the quantitative correlation value as a target correlation value x2 corresponding to the consistency, calculating a time difference value t between the payment time contained in the payment parameter and the payment time contained in the order parameter, and calculating a position ratio p between the payment position in the payment parameter and the order position in the order parameter, and if the quantitative correlation value is the target correlation value x2, obtaining the correlation value by x2 × r 1% + t × r 2% + p × r 3% (r 1% + r 2% + r 3% ═ 1).

Because the corresponding parking lot identifications may be different in different payment modes, in the comparison process of the quantitative payment parameters, the corresponding parking lot is determined according to the parking lot identifications, and whether the parking lot corresponding to the payment parameters is consistent with the parking lot corresponding to the order parameters is judged. The above examples of the quantitative payment parameter and the variable payment parameter are merely exemplary, and the present embodiment does not limit the variable payment parameter and the quantitative payment parameter actually participating in the calculation of the degree of correlation.

It should be noted that the calculation process of the correlation degree is only a calculation process of the correlation degree between the payment order and one candidate payment order, in practical applications, there may be a plurality of determined candidate payment orders, and specifically, the calculation process of the correlation degree between the payment order and any candidate payment order in at least one candidate payment order is referred to, which is not described herein again.

In addition, when the first correlation degree is calculated, the comparison result of one quantitative payment parameter may correspond to one first correlation degree, or the comparison results of a plurality of quantitative payment parameters may correspond to one first correlation degree; if the comparison result of one quantitative payment parameter corresponds to one first correlation degree, a correlation weight is set for each first correlation parameter when calculating the correlation degree, which is not limited herein.

In a second optional implementation manner provided by this embodiment, the correlation between the payment order and the candidate payment order is calculated as follows:

(a) determining a first degree of correlation of a quantitative payment parameter of the payment parameters and a quantitative order parameter of the order parameters;

in an optional implementation manner provided by this embodiment, the first correlation is calculated as follows:

comparing whether the payment object identifier contained in the payment parameter is consistent with the payment object identifier contained in the order parameter, the payment fee contained in the payment parameter is consistent with the payment fee contained in the order parameter and/or the collection account identifier contained in the payment parameter is consistent with the collection account identifier contained in the order parameter;

if so, taking the target correlation degree as the first correlation degree;

and if not, taking the abnormal correlation degree as the first correlation degree.

Specifically, whether quantitative payment parameters in the payment parameters are consistent with quantitative order parameters in the order parameters is compared, and if so, the target correlation degree is used as a first correlation degree; and if the abnormal correlation degrees are not consistent, taking the abnormal correlation degree as a first correlation degree. It should be noted that, the present embodiment does not limit the quantitative payment parameter actually participating in the quantitative comparison.

In a parking lot scenario, optionally, the quantitative payment parameters include: a vehicle identification, a parking fee, a payment account identification, and/or a parking lot identification; the variable payment parameters comprise at least one of the following: payment time, parking duration, parking lot position, payment position.

(b) If the first correlation degree meets the matching condition, calculating a second correlation degree of a variable payment parameter in the payment parameters and a variable order parameter in the order parameters;

in an optional implementation manner provided by this embodiment, the matching condition includes:

the first correlation degree is the target correlation degree;

correspondingly, the method further comprises the following steps:

and if the first correlation degree is the abnormal correlation degree, determining that the correlation degree does not meet the reminding condition, and performing payment processing on the payment order.

After the first correlation degree is determined, judging the first correlation degree, judging whether the first correlation degree meets a matching condition, and if the first correlation degree meets the matching condition, calculating a second correlation degree of a variable payment parameter in the payment parameters and a variable order parameter in the order parameters; and if the first correlation degree does not meet the matching condition, determining that the correlation degree does not meet the reminding condition, and directly carrying out payment processing on the payment order.

In an optional implementation manner provided by this embodiment, when the first correlation satisfies the matching condition, the second correlation is calculated as follows:

calculating a time difference value between the payment time contained in the payment parameter and the payment time contained in the order parameter;

calculating the position ratio of the payment position contained in the payment parameter to the payment position contained in the order parameter;

and determining the time difference value and the position ratio as the second correlation degree.

(c) Calculating the correlation based on the second correlation and the corresponding correlation weight.

In a case of obtaining the second correlation, in an optional implementation manner provided in this embodiment, the correlation is calculated in the following manner:

calculating the product of the time difference value and the time weight to obtain time correlation, and calculating the product of the position ratio and the position weight to obtain position correlation;

and calculating the sum of the time correlation degree and the position correlation degree to obtain the correlation degree.

And after the time difference value and the position ratio value are obtained through calculation in the process of calculating the second correlation degree, multiplying the corresponding correlation weights by the time difference value and the position ratio value respectively, and adding the products to obtain the correlation degree.

Specifically, firstly, comparing a payment object identifier contained in the payment parameter with a payment object identifier contained in the order parameter, and judging whether the payment cost contained in the payment parameter is consistent with the payment cost contained in the order parameter and whether a collection account identifier contained in the payment parameter is consistent with a collection account identifier contained in the order parameter, if so, taking the target correlation as a first correlation of the quantitative payment parameter and the quantitative order parameter; if not, taking the abnormal correlation as a first correlation; if the first correlation degree is an abnormal correlation parameter, performing payment processing on the payment order; if the first correlation is the target correlation, calculating a time difference between the payment time contained in the payment parameter and the payment time contained in the order parameter and a position ratio of the payment position contained in the payment parameter and the payment position contained in the order parameter, and calculating a sum of a product of the time difference and the time weight and a product of the position ratio and the position weight as the correlation between the payment order and the candidate payment order.

It should be noted that, the above description of the quantitative payment parameter and the variable payment parameter in the payment parameters is only exemplary, and accordingly, the quantitative order parameter and the variable order parameter used for comparison are corresponding examples, and the quantitative payment parameter and the variable payment parameter that need to be used in the actual calculation process may be determined according to actual needs, which is not limited herein.

And step S108, if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

In this embodiment, the reminding condition includes: the correlation degree is not in a preset confidence interval.

In specific implementation, after the correlation degree is obtained through calculation, whether the correlation degree meets a reminding condition is judged, so that the user is prevented from being repeatedly charged, the safety of the fund of the user is improved, the perception degree of the user on a payment platform is improved, if the correlation degree meets the reminding condition, the payment is intercepted, the payment operation on a payment order is suspended, a payment confirmation reminder is generated based on the correlation degree and a corresponding candidate payment order and is sent to a merchant, and in an optional implementation manner provided by this embodiment, if the correlation degree does not meet the reminding condition, the payment processing is performed on the payment order.

After sending the payment confirmation reminder to the merchant, processing the payment order according to an operation instruction submitted by the merchant based on the payment confirmation reminder, specifically, in an optional implementation manner provided in this embodiment, if the merchant submits the confirmation instruction based on the payment confirmation reminder, performing payment processing on the payment order according to the confirmation instruction for the payment confirmation reminder; and if the merchant submits a cancellation instruction based on the payment confirmation reminder, carrying out payment termination marking on the payment order according to the cancellation instruction aiming at the payment confirmation reminder.

It should be noted that, if there are a plurality of candidate payment orders and the correlation of the payment orders is within the preset confidence interval, the candidate payment order with the maximum correlation is determined as the suspected repeated order of the payment order.

In practical application, a user has a question about an order after paying, and needs to inquire a related suspected repeated order (namely, a candidate payment order of which the correlation degree with the payment order meets the reminding condition); in the payment processing method provided by this embodiment, on one hand, a suspected duplicate order is queried during the payment process of the payment order, and the payment processing is performed according to the confirmation instruction of the merchant on the suspected duplicate order, so that the repeated payment of the user is avoided, and the refund cost caused by the repeated payment is reduced; on the other hand, when the user initiates an order checking request for the payment order, only whether the payment order has a suspected repeated order is inquired, so that the order checking efficiency is improved, and the perception degree and the trust degree of the user on the payment platform are improved.

In an optional implementation manner provided in this embodiment, the user may perform order verification through the merchant, or may perform order verification through the application corresponding to the execution subject payment platform of this embodiment, and if the user performs verification on the payment order through the application corresponding to the payment platform, the following steps are performed:

acquiring an order verification request aiming at the payment order;

based on the order checking request, inquiring related payment orders of which the correlation degrees with the payment orders meet the reminding conditions;

and generating a verification result according to the related payment order.

Wherein the related payment order is a suspected duplicate order. Specifically, after an order verification request of a user for a payment order is obtained, according to an order number of the payment order carried in the order verification request, a suspected repeated order with the correlation degree with the payment order meeting a reminding condition is inquired, and a verification result is generated according to the suspected repeated order and is sent to the user; the queried suspected duplicate order may be empty.

If the user conducts order verification on the payment order through the merchant, firstly, an order verification request of the user for the payment order is obtained, based on the order number of the payment order contained in the order verification request, a payment confirmation prompt aiming at the payment order is inquired, and a verification result is generated according to the inquiry result.

Specifically, after a payment request submitted by a merchant is obtained, a payment order is created according to payment parameters contained in the payment request, the payment order is input into the correlation calculation algorithm for correlation calculation, the correlation meeting the reminding condition and a corresponding candidate payment order are output, and a reminding confirmation reminder is generated based on the correlation and the candidate payment order and sent to the merchant. The process of calculating the correlation degree by the correlation degree calculation algorithm is described in the step S104 and the step S106, and the correlation degree calculation algorithm judges whether the correlation degree meets the reminding condition after calculating the correlation degree of the payment order and the candidate payment order, and if so, outputs the correlation degree and the corresponding candidate payment order; if not, outputting null. It should also be noted that the payment order is stored in the historical order set after the payment process is successful.

It should be further noted that the payment processing method provided in this embodiment may perform payment processing based on one payment platform, and may also perform payment processing based on payment data of multiple payment platforms when multiple payment platforms are opened, which is not limited herein.

The following further describes the payment processing method provided in this embodiment by taking an application of the payment processing method provided in this embodiment in a parking service scenario as an example, referring to fig. 2, the payment processing method applied in the parking service scenario specifically includes steps S202 to S220.

Step S202, a parking payment request submitted by a merchant is obtained.

And step S204, establishing a payment order according to the payment parameters carried in the parking payment request.

And step S206, determining a withholding payment mode for carrying out duplication elimination detection on the payment order according to the code payment mode corresponding to the payment type identifier carried in the payment request.

The payment mode set comprises a code payment mode and a withholding payment mode;

if the payment mode set comprises three modes, namely a code payment mode, a withholding payment mode and a cash payment mode, the determined detection payment mode for carrying out de-duplication detection on the payment order is the cash payment mode and the withholding payment mode; namely, the determined payment mode for performing deduplication detection on the payment order is a payment mode other than the payment mode corresponding to the payment type identifier in the payment mode set.

And step S208, screening out an intermediate payment order of the vehicle identification in the order parameters and the vehicle identification in the payment parameters from the historical order set based on the vehicle identification contained in the payment parameters.

Step S210, determining the intermediate payment order, which is the withholding payment mode at the time of payment, in the intermediate payment order as a candidate payment order for performing deduplication detection on the payment order.

Step S212, comparing whether the quantitative payment parameters contained in the payment parameters are consistent with the quantitative order parameters corresponding to the order information contained in the candidate payment order;

if yes, go to step S214 to step S220;

if not, determining that the correlation degree of the payment order and the candidate payment order does not meet the reminding condition;

the quantitative payment parameters comprise parking fee, a collection account identifier and a parking lot identifier; in the process of comparing the parking lot identifications, the payment parking lot to which the parking lot identification contained in the payment parameter belongs is determined, the order parking lot to which the parking lot identification contained in the order parameter of the candidate payment order belongs is determined, and then the payment parking lot and the order parking lot are compared to determine whether the payment parking lot and the order parking lot are consistent.

Step S214, calculating a parameter correlation between the payment order and the candidate payment order based on the variable payment parameter included in the payment parameter and the variable order parameter included in the order parameter.

Wherein the variable payment parameters include a payment time and a payment location.

Step S216, calculating the correlation degree of the payment order and the candidate payment order according to the parameter correlation degree and the corresponding correlation weight.

In step S218, if the correlation degree satisfies the reminding condition, a payment confirmation reminder is generated based on the correlation degree and the candidate payment order and sent to the merchant.

Step S220, performing payment processing on the payment order according to the confirmation instruction of the merchant for payment confirmation prompting.

In summary, in the payment processing method provided in this embodiment, after the payment request submitted by the merchant is obtained, a payment order is created according to the payment parameters included in the payment request, and a payment mode different from the payment mode corresponding to the payment request in the payment mode set is determined according to the payment type identifier carried in the payment request and is used as a detection payment mode for performing in-zone detection on the payment order;

after the detection payment mode is determined, screening out an intermediate payment order with the payment object identification consistent with the payment object identification contained in the payment parameter from the historical order set according to the payment object identification contained in the payment parameter, and further screening out a candidate payment order with the payment mode as the detection payment mode from the intermediate payment order for carrying out de-duplication detection on the payment order, so that the effectiveness of the determined candidate payment order is improved;

calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters contained in the candidate payment order, and judging whether the correlation degree meets the reminding condition or not; if the reminding condition is met, suspending the payment processing of the payment order, generating a payment confirmation reminding based on the correlation degree and the candidate payment order, and sending the payment confirmation reminding to the merchant so that the merchant submits an operation instruction for the payment confirmation reminding;

and if the merchant submits a confirmation instruction for the payment confirmation prompt, performing payment processing on the payment order according to the confirmation instruction, and if the merchant submits a cancellation instruction for the payment confirmation prompt, marking the payment order as an abnormal state. Therefore, the duplicate removal detection is carried out on the payment order in the payment process, the payment processing of the payment order is suspended after the suspected repeated order is detected, the user is prevented from repeatedly paying, the perception degree of the user is reduced, and the subsequent refund cost and the account checking cost are reduced.

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

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

Referring to fig. 3, a schematic diagram of a payment processing apparatus provided in this 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 processing apparatus, including:

an order creating module 302 configured to obtain a payment request submitted by a merchant, and create a payment order according to payment parameters included in the payment request;

a mode determining module 304, configured to determine a detection payment mode for performing deduplication detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request;

a correlation calculation module 306 configured to calculate a correlation between the payment order and the candidate payment order based on the payment parameter and an order parameter of the candidate payment order corresponding to the detected payment method read from the historical order set;

if the correlation degree meets the reminding condition, a reminding sending module 308 is operated, and the reminding sending module 308 is configured to send a payment confirmation reminding to the merchant.

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

corresponding to the above-described payment processing method, based on the same technical concept, one or more embodiments of the present specification further provide a payment processing apparatus for executing the above-described provided payment processing method, and fig. 4 is a schematic structural diagram of a payment processing apparatus provided in one or more embodiments of the present specification.

The present embodiment provides a payment processing apparatus, including:

as shown in fig. 4, the payment processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 401 and a memory 402, where one or more stored applications or data may be stored in the memory 402. Wherein memory 402 may be transient or persistent. The application program stored in memory 402 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the payment processing apparatus. Still further, the processor 401 may be arranged in communication with the memory 402 to execute a series of computer executable instructions in the memory 402 on the payment processing device. The payment processing apparatus may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input/output interfaces 405, one or more keyboards 406, and the like.

In one particular embodiment, a payment processing 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 processing apparatus, and configured for execution by the one or more processors the one or more programs include computer-executable instructions for:

acquiring a payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request;

determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request;

calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set;

and if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

An embodiment of a storage medium provided in this specification is as follows:

corresponding to the above-described payment processing 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:

acquiring a payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request;

determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request;

calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set;

and if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment 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 described here.

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 data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

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

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape, 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 (17)

1. A payment processing method, comprising:

acquiring a payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request;

determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request;

calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set;

and if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

2. The payment processing method according to claim 1, wherein the calculating a correlation degree between the payment order and the candidate payment order based on the payment parameter and an order parameter of the candidate payment order corresponding to the detected payment method read from the historical order set includes:

determining a quantitative payment parameter and a variable payment parameter in the payment parameters, and determining a quantitative order parameter and a variable order parameter in the order parameters;

calculating a first degree of correlation between the quantitative payment parameter and the quantitative order parameter, and a second degree of correlation between the variable payment parameter and the variable order parameter;

and calculating the correlation degree according to the first correlation degree, the second correlation degree and the corresponding correlation weight.

3. The payment processing method of claim 1, wherein determining a detection payment method for performing deduplication detection on the payment order according to a payment method corresponding to a payment type identifier in the payment request comprises:

determining the payment mode corresponding to the payment request based on the payment type identifier;

and determining the rest payment modes except the payment modes in the payment mode set as the detection payment modes.

4. The payment processing method of claim 1, the candidate payment order being determined by:

screening intermediate payment orders in the historical order set according to payment object identification and/or payment time contained in the payment parameters;

and determining the historical payment order corresponding to the detection payment mode in the intermediate payment order as the candidate payment order.

5. The payment processing method according to claim 1, wherein after the step of sending a payment confirmation prompt to the merchant if the correlation degree satisfies a prompt condition is executed, the method further comprises:

performing payment processing on the payment order according to the confirmation instruction aiming at the payment confirmation prompt;

alternatively, the first and second electrodes may be,

and according to the canceling instruction aiming at the payment confirmation reminder, carrying out payment termination marking on the payment order.

6. The payment processing method according to claim 1, wherein after the step of calculating the correlation between the payment order and the candidate payment order based on the payment parameter and the order parameter of the candidate payment order corresponding to the detected payment method read from the historical order set is executed, the method further comprises:

if the correlation does not meet the reminding condition, performing payment processing on the payment order;

wherein, the reminding condition comprises: the correlation degree is not in a preset confidence interval.

7. The payment processing method according to claim 1, wherein the calculating a correlation degree between the payment order and the candidate payment order based on the payment parameter and an order parameter of the candidate payment order corresponding to the detected payment method read from the historical order set includes:

determining a first degree of correlation of a quantitative payment parameter of the payment parameters and a quantitative order parameter of the order parameters;

if the first correlation degree meets the matching condition, calculating a second correlation degree of a variable payment parameter in the payment parameters and a variable order parameter in the order parameters;

calculating the correlation based on the second correlation and the corresponding correlation weight.

8. The payment processing method of claim 7, the determining a first correlation of a quantitative payment parameter of the payment parameters with a quantitative order parameter of the order parameters, comprising:

comparing whether the payment object identifier contained in the payment parameter is consistent with the payment object identifier contained in the order parameter, the payment fee contained in the payment parameter is consistent with the payment fee contained in the order parameter and/or the collection account identifier contained in the payment parameter is consistent with the collection account identifier contained in the order parameter;

if so, taking the target correlation degree as the first correlation degree;

if not, the abnormal correlation degree is used as the first correlation degree.

9. The payment processing method of claim 8, the matching condition, comprising:

the first correlation degree is the target correlation degree;

correspondingly, the method further comprises the following steps:

and if the first correlation degree is the abnormal correlation degree, determining that the correlation degree does not meet the reminding condition, and performing payment processing on the payment order.

10. The payment processing method of claim 7, the calculating a second degree of correlation of a variable payment parameter of the payment parameters with a variable order parameter of the order parameters, comprising:

calculating a time difference value between the payment time contained in the payment parameter and the payment time contained in the order parameter;

calculating the position ratio of the payment position contained in the payment parameter to the payment position contained in the order parameter;

and determining the time difference value and the position ratio as the second correlation degree.

11. The payment processing method of claim 10, the calculating the degree of correlation based on the second degree of correlation and a corresponding correlation weight, comprising:

calculating the product of the time difference value and the time weight to obtain time correlation, and calculating the product of the position ratio and the position weight to obtain position correlation;

and calculating the sum of the time correlation degree and the position correlation degree to obtain the correlation degree.

12. The payment processing method of claim 1, the candidate payment order being determined by:

determining a user identifier corresponding to the payment request according to a payment account identifier contained in the payment parameters;

screening out a historical payment order corresponding to the user identification from the historical order set to obtain an order subset;

and determining the historical payment order corresponding to the detection payment mode in the order subset as the candidate payment order.

13. The payment processing method of claim 1, further comprising:

acquiring an order verification request aiming at the payment order;

based on the order checking request, inquiring related payment orders of which the correlation degrees with the payment orders meet the reminding conditions;

and generating a verification result according to the related payment order.

14. The payment processing method of claim 2 or 7, the quantitative payment parameters, comprising:

a vehicle identification, a parking fee, a payment account identification, and/or a parking lot identification;

the variable payment parameters comprise at least one of the following: payment time, parking duration, parking lot position, payment position.

15. A payment processing apparatus comprising:

the order creating module is configured to acquire a payment request submitted by a merchant and create a payment order according to payment parameters contained in the payment request;

the mode determining module is configured to determine a detection payment mode for performing duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request;

the relevancy calculation module is configured to calculate the relevancy between the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set;

and if the correlation degree meets the reminding condition, operating a reminding sending module, wherein the reminding sending module is configured to send a payment confirmation reminding to the merchant.

16. A payment processing apparatus comprising:

a processor; and the number of the first and second groups,

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

acquiring a payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request;

determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request;

calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set;

and if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

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

acquiring a payment request submitted by a merchant, and creating a payment order according to payment parameters contained in the payment request;

determining a detection payment mode for carrying out duplication elimination detection on the payment order according to the payment mode corresponding to the payment type identifier in the payment request;

calculating the correlation degree of the payment order and the candidate payment order based on the payment parameters and the order parameters of the candidate payment order corresponding to the detection payment mode read from the historical order set;

and if the correlation degree meets the reminding condition, sending a payment confirmation reminding to the merchant.

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