CN116051105B - Payment processing method and system based on android consumer - Google Patents

Abstract

The invention provides a payment processing method and a payment processing system based on an android consumer machine, which are applied to the technical field of payment; according to the invention, when the situation that the user pays in different places is detected, coordinate extension is carried out on the user based on the common payment fixed coordinates and the current coordinates of the user, the co-directional coordinate category is created to generate a temporary area for payment transaction for the user, and the problem that the user cannot finish virtual transaction due to the fact that risk transaction occurs in the user payment environment due to different areas and the safety verification of mobile payment is affected is avoided.

Description

Payment processing method and system based on android consumer

Technical Field

The invention relates to the technical field of payment, in particular to a payment processing method and system based on an android consumer.

Background

Two-dimensional code payment is a new generation wireless payment scheme based on account system establishment. Under the payment scheme, a merchant can compile transaction information such as account numbers, commodity prices and the like into a two-dimensional code, and print the two-dimensional code on carriers such as various newspapers, paper sheets, cards, plastic sheets, magazines, advertisements, books and the like for release. The user can realize payment settlement with the merchant payment treasured account by scanning the two-dimension code through the mobile phone client.

At present, the mobile payment business has higher and higher proportion in daily life consumption, no matter the mobile payment business is used for taxi taking, shopping or eating, the online payment is usually carried out in an online payment mode, in the prior art, when a user creates a virtual transaction to pay, payment software detects the current payment environment in real time so as to ensure that the user is protected when paying for goods, but when the user goes to other places due to work, the user commonly uses the place to change, when the user creates the virtual transaction payment through the payment software at the current place, and because of logging in the payment software at different places, the payment environment has risk transaction conditions due to different places, the security verification of the mobile payment is affected, and the user cannot finish the virtual transaction.

Disclosure of Invention

The invention aims to solve the problem that the security verification of mobile payment is affected and virtual transaction cannot be completed by a user due to the fact that risk transaction occurs in a payment environment according to different regions, and provides a payment processing method and system based on an android consumer.

The invention adopts the following technical means for solving the technical problems:

The invention provides a payment processing method based on an android consumer machine, which comprises the following steps of:

receiving payment information uploaded by a user, acquiring personal information of the user based on the payment information, generating to-be-paid content of the user according to the payment information and the personal information, returning the to-be-paid content to terminal equipment of the user, and providing a corresponding payment mode of the to-be-paid content for the user, wherein the payment mode comprises key payment, two-dimensional code payment or fingerprint payment;

acquiring a payment mode selected by the user, sending money payment content to the user based on the payment mode, generating preset payment conditions according to the money payment content, and judging whether the payment process of the user meets the preset payment conditions, wherein the preset payment conditions comprise a common payment area, a payment residual period and payment verification times;

if not, sending the payment failure result and the failure reason to the user, deducting the payment content, and sending a payment verification token to the user according to a preset verification period of the user;

Synchronously creating virtual payment information of the user based on the payment verification token, collecting the virtual payment information for analysis, generating a payment environment state of the user, and judging whether the payment environment state is matched with the common payment area;

if the user data information is not matched with the user data information, acquiring user data information according to the corresponding information of the payment environment state, taking the current position information of the user as an extension coordinate, taking the coordinate of a common payment area of the user as a fixed coordinate, extending the position between the fixed coordinate and the extension coordinate to the same direction, creating a co-directional coordinate category, and creating a temporary transaction area belonging to the user by the fixed coordinate, the extension coordinate and the co-directional coordinate category;

initiating a transaction request to a terminal device of the user, receiving payment confirmation information returned by the terminal device of the user, and generating a transaction record corresponding to the user based on the payment amount, the user signature information and account data by acquiring the payment amount preset in the terminal device of the user, the user signature information and account data corresponding to the payment amount, wherein the transaction record comprises signature information of a payment party and signature information of a collection party; the account data is account book data of a receiving and paying party corresponding to the transaction record.

Further, the step of obtaining the payment mode selected by the user and sending the payment content to the user based on the payment mode includes:

providing a preset verification random keyboard for the user, and acquiring a plurality of key information input by the user based on the verification random keyboard as a verification mode of selecting key payment by the user, wherein the key information comprises an absolute value of a key and absolute position information of the key;

comparing the preset verification information of the user according to the key information for verifying payment, and judging whether the key information is consistent with the verification information;

if yes, allowing the user to pay based on the key information;

if not, continuing to acquire the key information of the next round of the user input by the verification random keyboard for verification until the key information is verified.

Further, the step of sending the payment failure result and the failure reason thereof to the user, which correspond to the generated payment failure result of the content to be paid, includes:

generating an order payment request based on the money payment content, and judging whether a return result of the order payment request is detected;

If not, providing inquiry payment permission to the user to inquire whether the payment is successful, wherein the payment overtime exists for the payment content, the payment request is submitted, but the payment content of the payment result cannot be obtained, receiving the inquiry request based on a preset period, and correspondingly processing the payment content according to the inquiry result of the inquiry request, wherein the payment content which fails in payment is rolled back to the order payment request state of the payment content.

Further, after the step of sending the payment failure result and the failure reason to the user, the deducting the payment content, and sending the payment verification token to the user according to the preset verification period of the user, the method comprises the following steps:

responding to the payment verification token, determining a verification mode and a verification interface generated corresponding to the verification mode according to the identity data of the user and the payment content, generating a link address to be verified of the user based on the verification mode and the verification interface, and sending a payment verification request to the terminal equipment of the user through a separate opposite channel according to the link address, wherein the payment verification request is provided with the link address corresponding to the verification interface, so that the user opens the link address for payment verification;

And receiving verification data sent by the user, obtaining a payment verification result corresponding to the payment verification request according to the verification data, and providing open payment permission for the user.

Further, the step of receiving the verification data sent by the user, obtaining a payment verification result corresponding to the payment verification request according to the verification data, providing open payment authority to the user, and generating a payment result according to the payment content includes:

responding to a payment operation initiated by the user through the terminal equipment, and generating a temporary payment code corresponding to the payment operation;

and based on the payment means adopted by the user for the temporary payment code, collecting money by applying a receipt and payment frame corresponding to the payment means.

Further, the step of determining a verification mode and a verification interface generated corresponding to the verification mode according to the identity data of the user and the payment content in response to the payment verification token includes:

determining the target verification mode according to the personal information of the user and the payment failure result, and generating a verification interface corresponding to the target verification mode based on failure data corresponding to the payment failure result;

And generating key field data corresponding to verification based on the verification interface, confirming that the user fills the key field data into the verification interface, and collecting the verified verification interface.

Further, the step of generating the content to be paid of the user according to the payment information and the personal information, returning the content to be paid to the terminal device of the user, and providing the corresponding payment mode of the content to be paid to the user includes:

acquiring the image acquisition authority of the terminal equipment of the user, capturing the image information of the user based on the image acquisition authority, inputting the image information into a face image set to be identified, selecting the image information of the user according to a feature set preset by the face image set to be identified, and carrying out face recognition processing to obtain a face recognition result corresponding to the image information of the user;

judging whether the face recognition result is matched with a pre-recorded user face image, generating a matching similarity value corresponding to the judgment result, and determining the payment transaction security corresponding to the payment request based on the matching similarity value;

and sending a preset payment notification instruction to the terminal equipment of the user according to the payment transaction safety, receiving the payment instruction fed back by the terminal equipment of the user based on the payment notification instruction, and generating payment verification processing for the user.

The invention also provides a payment processing system based on the android consumer, which comprises:

the receiving module is used for receiving payment information uploaded by a user, acquiring personal information of the user based on the payment information, generating contents to be paid of the user according to the payment information and the personal information, returning the contents to be paid to terminal equipment of the user, and providing corresponding payment modes of the contents to be paid for the user, wherein the payment modes comprise key payment, two-dimensional code payment or fingerprint payment;

the judging module is used for acquiring a payment mode selected by the user, sending money payment content to the user based on the payment mode, generating preset payment conditions according to the money payment content, and judging whether the payment process of the user meets the preset payment conditions or not, wherein the preset payment conditions comprise a common payment area, a payment remaining period and payment verification times;

the execution module is used for sending the payment failure result and the failure reason thereof to the user, deducting the payment content, and sending a payment verification token to the user according to a preset verification period of the user if the payment failure result corresponding to the content to be paid is generated;

The second judging module is used for synchronously creating virtual payment information of the user based on the payment verification token, collecting the virtual payment information for analysis, generating a payment environment state of the user, and judging whether the payment environment state is matched with the common payment area;

the second execution module is used for acquiring user data information according to the corresponding information of the payment environment state if the user data information is not matched, taking the current position information of the user as an extension coordinate, taking the coordinate of a common payment area of the user as a fixed coordinate, extending the position between the fixed coordinate and the extension coordinate to the same direction, creating a co-directional coordinate category, and creating a temporary transaction area belonging to the user by the fixed coordinate, the extension coordinate and the co-directional coordinate category;

a generation module, configured to initiate a transaction request to a terminal device of the user, receive payment confirmation information returned by the terminal device of the user, and generate a transaction record corresponding to the user based on a payment amount preset by the terminal device of the user ("modified to" in "), user signature information, and account data corresponding to the payment amount, where the transaction record includes signature information of a payer and signature information of a payee; the account data is account book data of a receiving and paying party corresponding to the transaction record.

Further, the judging module further includes:

the input unit is used for providing a preset verification random keyboard for the user, acquiring a plurality of key information input by the user based on the verification random keyboard and taking the key information as a verification mode of selecting key payment by the user, wherein the key information comprises an absolute value of a key and absolute position information of the key;

the judging unit is used for comparing the verification information preset by the user according to the key information for verifying payment and judging whether the key information is consistent with the verification information or not;

the execution unit is used for allowing the user to pay based on the key information if yes;

and the second execution unit is used for continuously acquiring the key information of the next round of verification input by the user by applying the verification random keyboard if not, and verifying the key information until the key information is verified.

Further, the execution module further includes:

a second judging unit for generating an order payment request based on the money payment content and judging whether a return result of the order payment request is detected;

and the third execution unit is used for providing inquiry payment permission for the user if not, inquiring whether the payment is successful, overtime payment exists for the payment content, submitting a payment request, but the payment content of the payment result cannot be obtained, receiving the inquiry request based on a preset period, and correspondingly processing the payment content according to the inquiry result of the inquiry request, wherein the payment content which fails to be paid is rolled back to the order payment request state of the payment content.

The invention provides a payment processing method and a payment processing system based on an android consumer machine, which have the following beneficial effects:

according to the invention, when the situation that the user pays in different places is detected, coordinate extension is carried out on the user based on the common payment fixed coordinates and the current coordinates of the user, the co-directional coordinate category is created to generate a temporary area for payment transaction for the user, and the problem that the user cannot finish virtual transaction due to the fact that risk transaction occurs in the user payment environment due to different areas and the safety verification of mobile payment is affected is avoided.

Drawings

FIG. 1 is a flow diagram of one embodiment of a payment processing method based on an android consumer of the present invention;

fig. 2 is a block diagram illustrating an embodiment of a payment processing system based on an android consumer machine.

Detailed Description

It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present invention, as the achievement, functional features, and advantages of the present invention are further described with reference to the embodiments, with reference to the accompanying drawings.

The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.

Referring to fig. 1, in an embodiment of the present invention, a payment processing method based on an android consumer includes:

s1: receiving payment information uploaded by a user, acquiring personal information of the user based on the payment information, generating to-be-paid content of the user according to the payment information and the personal information, returning the to-be-paid content to terminal equipment of the user, and providing a corresponding payment mode of the to-be-paid content for the user, wherein the payment mode comprises key payment, two-dimensional code payment or fingerprint payment;

s2: acquiring a payment mode selected by the user, sending money payment content to the user based on the payment mode, generating preset payment conditions according to the money payment content, and judging whether the payment process of the user meets the preset payment conditions, wherein the preset payment conditions comprise a common payment area, a payment residual period and payment verification times;

s3: if not, sending the payment failure result and the failure reason to the user, deducting the payment content, and sending a payment verification token to the user according to a preset verification period of the user;

S4: synchronously creating virtual payment information of the user based on the payment verification token, collecting the virtual payment information for analysis, generating a payment environment state of the user, and judging whether the payment environment state is matched with the common payment area;

s5: if the user data information is not matched with the user data information, acquiring user data information according to the corresponding information of the payment environment state, taking the current position information of the user as an extension coordinate, taking the coordinate of a common payment area of the user as a fixed coordinate, extending the position between the fixed coordinate and the extension coordinate to the same direction, creating a co-directional coordinate category, and creating a temporary transaction area belonging to the user by the fixed coordinate, the extension coordinate and the co-directional coordinate category;

s6: initiating a transaction request to a terminal device of the user, receiving payment confirmation information returned by the terminal device of the user, and generating a transaction record corresponding to the user based on the payment amount, the user signature information and account data by acquiring the payment amount preset in the terminal device of the user, the user signature information and account data corresponding to the payment amount, wherein the transaction record comprises signature information of a payment party and signature information of a collection party; the account data is account book data of a receiving and paying party corresponding to the transaction record.

In this embodiment, the system receives transaction information uploaded by a transaction user for payment, reads personal information of the transaction user, such as a user name, a user contact way and the like, based on the payment information, and generates contents to be paid, which are required to be transacted currently by the user, according to the information of the user, returns the contents to be paid to a transaction terminal device set by the user, and provides permission for the user to select a payment way; after detecting that a user selects a payment mode for transaction, the system sends money payment content related to the transaction to the user based on the payment mode, and after sending the money payment content, the system sets preset payment conditions for the user, wherein the preset payment conditions comprise a common payment area of the user, a payment remaining period of the user and payment verification times of the user, and judges whether the user meets the condition content or not according to the preset payment conditions so as to execute the next step; for example, when the user can complete the payment operation within 15 minutes of the remaining period of payment provided by the system, it is considered that the user can satisfy one of the condition contents; for example, when the user can complete the payment operation within 3 times of the payment verification provided by the system, it is regarded that the user can satisfy one of the condition contents; for example, when a user is able to complete payment in a common transaction area of a system listing, then one of the conditional content is deemed to be satisfied by the user; when the customer can meet the three conditions, the customer is regarded as being capable of meeting the condition content without executing the next step, the transaction process is executed for the customer, the payment content is completed, and the payment amount, the signature information of the customer and the account data are generated; if the user lacks one of the three conditions and fails to meet the one, the system correspondingly sends a result of failure of the payment state to the user, does not (modified to be 'as') provide a corresponding reason for checking the failure result for the user, deducts payment of the transaction, and sends a single payment verification token for verifying the content of the transaction to the user; the system creates virtual payment information of the user for the user based on the payment verification token synchronization, analyzes after collecting the virtual payment information to judge whether the current payment environment state of the user is matched with the common payment area of the user or not, and executes the next step; for example, the system determines that the payment environment state of the user can be matched with the common payment area, namely, the user can complete payment transaction only by completing payment in the payment residual period set by the system for the user or completing payment in the payment verification times set by the system for the user; for example, if the system determines that the payment environment state of the user cannot match with the common payment area, the system collects data information of the current payment environment state and the environment state of the user, connects the coordinates of the common payment area of the user with the coordinates to be extended based on the current payment position information of the user as the coordinates to be extended, creates a region for temporary transaction payment in the same-direction coordinate category between two coordinate points, at the moment, initiates a transaction request to the terminal device of the user again, receives payment confirmation information returned by the terminal device of the user, and generates transaction records corresponding to the user based on the payment amount, the user signature information and the account data by acquiring account data corresponding to the preset payment amount, the user signature information and the payment amount in the terminal device of the user, so as to complete the payment transaction between the user and the system.

In this embodiment, the step of obtaining the payment manner selected by the user and sending the payment content to the user based on the payment manner includes:

providing a preset verification random keyboard for the user, and acquiring a plurality of key information input by the user based on the verification random keyboard as a verification mode of selecting key payment by the user, wherein the key information comprises an absolute value of a key and absolute position information of the key;

comparing the preset verification information of the user according to the key information for verifying payment, and judging whether the key information is consistent with the verification information;

if yes, allowing the user to pay based on the key information;

if not, continuing to acquire the key information of the next round of the user input by the verification random keyboard for verification until the key information is verified.

In this embodiment, the system provides a preset random number keyboard for the transaction user, obtains a plurality of key information input by the user based on the random number keyboard, uses the key information as a verification mode of selecting a key by the user to perform transaction payment, compares verification information preset by the user for transaction payment according to the key information, and executes the next step by judging whether the key information is consistent with the verification information; for example, when the system detects that the key information can be consistent with the verification information for payment of the transaction, the system will allow the user to make a payment using the key information; for example, when the system detects that the key information is inconsistent with the verification information for transaction payment, the system regenerates the random number keyboard for the user to verify the key information of the next round until the key information is verified three times or is wrong, the verification is finished, and the system can judge that the user cannot meet preset payment conditions: the payment operation is completed within 3 times of payment verification provided by the system.

In this embodiment, the step of sending the payment failure result and the failure reason thereof to the user, to generate the payment failure result corresponding to the content to be paid, includes:

generating an order payment request based on the money payment content, and judging whether a return result of the order payment request is detected;

if not, providing inquiry payment permission to the user to inquire whether the payment is successful, and if the payment is overtime, submitting a payment request for the payment content, but not obtaining the payment content of the payment result, receiving the inquiry request based on a preset period, and correspondingly processing the payment content according to the inquiry result of the inquiry request, wherein the payment content which is failed to be paid is rolled back to the state of the payment content.

In this embodiment, the system determines whether the order payment request is successfully sent to the terminal device of the user based on the money payment content generated for the user, and simultaneously generates an order payment request pertaining to the money payment content, so as to execute the next step; for example, the system detects that the order payment request is successfully returned to the terminal equipment of the user, and at the moment, the system can judge that the user receives the order payment request successfully, and waits for the user to confirm and complete the order payment request; for example, the system detects that the order payment request is not returned to the terminal device of the user, at this time, the system provides the user with permission to inquire payment, and is used for inquiring whether the order payment request is sent to other terminal devices of the user, and the system also sets corresponding processing time for the order payment request, once the processing time is over, the system does not acquire the payment content corresponding to the payment result, resets the order payment request to the state that the user needs to reconfirm the payment content, and carries out flow processing again.

In this embodiment, the step of sending the payment failure result and the failure reason thereof to the user, deducting the payment content, and sending the payment verification token to the user according to the preset verification period of the user includes:

responding to the payment verification token, determining a verification mode and a verification interface generated corresponding to the verification mode according to the identity data of the user and the payment content, generating a link address to be verified of the user based on the verification mode and the verification interface, and sending a payment verification request to the terminal equipment of the user through a separate opposite channel according to the link address, wherein the payment verification request is provided with the link address corresponding to the verification interface, so that the user opens the link address for payment verification;

and receiving verification data sent by the user, obtaining a payment verification result corresponding to the payment verification request according to the verification data, and providing open payment permission for the user.

In this embodiment, the system generates a corresponding verification interface for the user according to the identity data of the user and the payment content of the transaction payment by responding to the data of the user for verifying the payment verification token, where the verification interface includes information content belonging to the payment transaction such as the payment content and the user name corresponding to the verification, and simultaneously the system sends a corresponding verification link address to the user through a separate opposite channel based on the verification interface, where the separate opposite channel includes a short message or a mailbox message, and after the user performs the verification interface through the verification link address, the user receives verification data input in the verification interface, and after the system records the verification data, generates a corresponding payment verification result, so that a corresponding payment authority can be opened to the user.

In this embodiment, the step of receiving verification data sent by the user, obtaining a payment verification result corresponding to the payment verification request according to the verification data, providing open payment authority to the user, and generating a payment result according to the payment content includes:

responding to a payment operation initiated by the user through the terminal equipment, and generating a temporary payment code corresponding to the payment operation;

and based on the payment means adopted by the user for the temporary payment code, collecting money by applying a receipt and payment frame corresponding to the payment means.

In this embodiment, the system generates, through a payment operation initiated by a user from the terminal device, a temporary payment code corresponding to the payment operation, and selects, based on a corresponding payment means selected by the user for the temporary payment code, a corresponding receipt and payment frame to collect payment for the user through the corresponding payment means, where, if the user selects to apply a WeChat wallet to pay, the corresponding receipt and payment frame is a WeChat receipt and payment code, and if the user selects to apply a Payment wallet to pay, the corresponding receipt and payment frame is a Payment and payment code.

In this embodiment, the step of determining the verification mode and the verification interface generated corresponding to the verification mode according to the identity data of the user and the payment content in response to the payment verification token includes:

Determining the target verification mode according to the personal information of the user and the payment failure result, and generating a verification interface corresponding to the target verification mode based on failure data corresponding to the payment failure result;

and generating key field data corresponding to verification based on the verification interface, confirming that the user fills the key field data into the verification interface, and collecting the verified verification interface.

In this embodiment, after the system confirms the app of the user payment application according to the personal information of the user and the result of the user transaction payment failure, a target verification mode is generated for the user by adopting the corresponding app address, so that the user can confirm why the user's own transaction payment result fails, and meanwhile, a verification interface for confirming the transaction payment failure is generated for the user, the verification interface contains the cause of the transaction payment error, the user knows the specific position of the cause of the transaction payment failure by identifying the key fonts in the cause, after the user reads the verification interface, the user can complete the verification of the verification interface by inputting "how to complete the transaction" into the verification interface, and the system returns to the transaction payment process for the user, so that the customer can make the transaction payment again.

In this embodiment, the step of generating the content to be paid of the user according to the payment information and the personal information, returning the content to be paid to the terminal device of the user, and providing the user with the corresponding payment mode of the content to be paid includes:

acquiring the image acquisition authority of the terminal equipment of the user, capturing the image information of the user based on the image acquisition authority, inputting the image information into a face image set to be identified, selecting the image information of the user according to a feature set preset by the face image set to be identified, and carrying out face recognition processing to obtain a face recognition result corresponding to the image information of the user;

judging whether the face recognition result is matched with a pre-recorded user face image, generating a matching similarity value corresponding to the judgment result, and determining the payment transaction security corresponding to the payment request based on the matching similarity value;

and sending a preset payment notification instruction to the terminal equipment of the user according to the payment transaction safety, receiving the payment instruction fed back by the terminal equipment of the user based on the payment notification instruction, and generating payment verification processing for the user.

In this embodiment, the system captures current image information of a user and records the current image information in a face image set to be identified after obtaining rights for the user by obtaining the image acquisition rights of the terminal equipment of the user, and according to a preset feature set selection function, selects five-sense organ features in the image information, extends to all directions based on nose coordinates as base points, collects coordinate point position information corresponding to other four-sense organs, and can generate face recognition results corresponding to the image information, and determines whether the face recognition results match the face image of the user recorded in advance by the system or not, and then generates a matching similarity value corresponding to the determination result, and determines transaction security of transaction payment based on the matching similarity value; for example, when four or more pieces of information in the five sense organs of the image information can be matched, the matching similarity value exceeds 80% of a preset value, at this time, the system sends a preset payment notification instruction to the terminal device of the user, receives the payment instruction fed back after the user finishes reading the payment notification instruction, and generates payment verification processing for the user; for example, when only three pieces of information in five sense organs of the image information can be matched, the matching similarity value cannot reach 80% set in advance, and at this time, the system cannot provide corresponding payment authority for the user.

Referring to fig. 2, a payment processing system based on an android consumer machine according to an embodiment of the present invention includes:

the receiving module 10 is configured to receive payment information uploaded by a user, obtain personal information of the user based on the payment information, generate content to be paid of the user according to the payment information and the personal information, return the content to be paid to a terminal device of the user, and provide a corresponding payment mode of the content to be paid for the user, where the payment mode includes key payment, two-dimensional code payment or fingerprint payment;

the judging module 20 is configured to obtain a payment manner selected by the user, send a payment content to the user based on the payment manner, generate a preset payment condition according to the payment content, and judge whether a payment process of the user meets the preset payment condition, where the preset payment condition includes a common payment area, a payment remaining period and a payment verification number;

the execution module 30 is configured to send a payment failure result and a failure reason thereof to the user, deduct the payment content, and send a payment verification token to the user according to a preset verification period of the user if the payment failure result corresponding to the content to be paid is not generated;

A second judging module 40, configured to synchronously create virtual payment information of the user based on the payment verification token, collect the virtual payment information, analyze the virtual payment information, generate a payment environment state of the user, and judge whether the payment environment state matches the common payment area;

the second execution module 50 is configured to, if the two coordinates are not matched, collect user data information according to the corresponding information of the payment environment state, use coordinates of a payment area commonly used by the user as fixed coordinates based on the current position information of the user as extended coordinates, extend positions between the fixed coordinates and the extended coordinates in the same direction, create a co-directional coordinate category, and establish a temporary transaction area belonging to the user with the fixed coordinates, the extended coordinates and the co-directional coordinate category;

a generating module 60, configured to initiate a transaction request to a terminal device of the user, receive payment confirmation information returned by the terminal device of the user, and generate a transaction record corresponding to the user based on the payment amount, the user signature information, and account data corresponding to the payment amount by acquiring an account data corresponding to the payment amount, user signature information, and user preset payment amount, wherein the transaction record includes signature information of a payer and signature information of a payee; the account data is account book data of a receiving and paying party corresponding to the transaction record.

In this embodiment, the receiving module 10 receives transaction information uploaded by a transaction user for payment, reads personal information of the transaction user, such as a user name, a user contact way, and the like, based on the payment information, and the system generates contents to be paid, which are currently required to be transacted by the user, according to the information of the user, returns the contents to be paid to a transaction terminal device set by the user, and provides permission for the user to select a payment way; after detecting that the user selects the payment mode for the transaction, the judging module 20 sends payment content related to the transaction to the user based on the payment mode, and after sending the payment content, the system sets preset payment conditions for the user, including a common payment area of the user, a payment remaining period of the user and a payment verification number of times of the user, and judges whether the user meets the condition content according to the preset payment conditions so as to execute the next step; for example, when the user can complete the payment operation within 15 minutes of the remaining period of payment provided by the system, it is considered that the user can satisfy one of the condition contents; for example, when the user can complete the payment operation within 3 times of the payment verification provided by the system, it is regarded that the user can satisfy one of the condition contents; for example, when a user is able to complete payment in a common transaction area of a system listing, then one of the conditional content is deemed to be satisfied by the user; when the customer can meet the three conditions, the customer is regarded as being capable of meeting the condition content without executing the next step, the transaction process is executed for the customer, the payment content is completed, and the payment amount, the signature information of the customer and the account data are generated; if the user lacks one of the three conditions, the execution module 30 correspondingly sends a result of failure in payment status to the user, provides a corresponding reason for checking the failure result for the user, deducts payment of the transaction, and sends a single payment verification token for verifying the content of the transaction to the user; the second judging module 40 creates virtual payment information of the user for the user based on the payment verification token synchronization, collects the virtual payment information and analyzes the virtual payment information to judge whether the current payment environment state of the user matches the common payment area of the user so as to execute the next step; for example, the system determines that the payment environment state of the user can be matched with the common payment area, namely, the user can complete payment transaction only by completing payment in the payment residual period set by the system for the user or completing payment in the payment verification times set by the system for the user; for example, when the system determines that the payment environment state of the user cannot match with the common payment area, the second execution module 50 collects data information of the current payment environment state and the environment state of the user, connects the coordinates of the common payment area of the user with the coordinates to be extended based on the current payment position information of the user as the coordinates to be extended, creates a region for temporary transaction payment in the same-direction coordinate category between two coordinate points, and at this time, the generation module 60 initiates a transaction request to the terminal device of the user again, receives payment confirmation information returned by the terminal device of the user, and generates transaction records corresponding to the user based on the payment amount, the user signature information and the account data by acquiring account data corresponding to the payment amount preset in the terminal device of the user, so as to complete the payment transaction between the user and the system.

In this embodiment, the judging module further includes:

the input unit is used for providing a preset verification random keyboard for the user, acquiring a plurality of key information input by the user based on the verification random keyboard and taking the key information as a verification mode of selecting key payment by the user, wherein the key information comprises an absolute value of a key and absolute position information of the key;

the judging unit is used for comparing the verification information preset by the user according to the key information for verifying payment and judging whether the key information is consistent with the verification information or not;

the execution unit is used for allowing the user to pay based on the key information if yes;

and the second execution unit is used for continuously acquiring the key information of the next round of verification input by the user by applying the verification random keyboard if not, and verifying the key information until the key information is verified.

In this embodiment, the system provides a preset random number keyboard for the transaction user, obtains a plurality of key information input by the user based on the random number keyboard, uses the key information as a verification mode of selecting a key by the user to perform transaction payment, compares verification information preset by the user for transaction payment according to the key information, and executes the next step by judging whether the key information is consistent with the verification information; for example, when the system detects that the key information can be consistent with the verification information for payment of the transaction, the system will allow the user to make a payment using the key information; for example, when the system detects that the key information is inconsistent with the verification information for transaction payment, the system regenerates the random number keyboard for the user to verify the key information of the next round until the key information is verified three times or is wrong, the verification is finished, and the system can judge that the user cannot meet preset payment conditions: the payment operation is completed within 3 times of payment verification provided by the system.

In this embodiment, the execution module further includes:

a second judging unit for generating an order payment request based on the money payment content and judging whether a return result of the order payment request is detected;

and the third execution unit is used for providing inquiry payment permission for the user if not, inquiring whether the payment is successful, overtime payment exists for the payment content, submitting a payment request, but the payment content of the payment result cannot be obtained, receiving the inquiry request based on a preset period, and correspondingly processing the payment content according to the inquiry result of the inquiry request, wherein the payment content which fails to pay is rolled back to the state of the payment content.

In this embodiment, the system determines whether the order payment request is successfully sent to the terminal device of the user based on the money payment content generated for the user, and simultaneously generates an order payment request pertaining to the money payment content, so as to execute the next step; for example, the system detects that the order payment request is successfully returned to the terminal equipment of the user, and at the moment, the system can judge that the user receives the order payment request successfully, and waits for the user to confirm and complete the order payment request; for example, the system detects that the order payment request is not returned to the terminal device of the user, at this time, the system provides the user with permission to inquire payment, and is used for inquiring whether the order payment request is sent to other terminal devices of the user, and the system also sets corresponding processing time for the order payment request, once the processing time is over, the system does not acquire the payment content corresponding to the payment result, resets the order payment request to the state that the user needs to reconfirm the payment content, and carries out flow processing again.

In this embodiment, further comprising:

the sending module is used for responding to the payment verification token, determining a verification mode and a verification interface generated corresponding to the verification mode according to the identity data of the user and the payment content, generating a link address to be verified of the user based on the verification mode and the verification interface, and sending a payment verification request to the terminal equipment of the user through a separate opposite channel according to the link address, wherein the payment verification request is provided with the link address corresponding to the verification interface, so that the user opens the link address for payment verification;

and the receiving module is used for receiving the verification data sent by the user, obtaining a payment verification result corresponding to the payment verification request according to the verification data, and providing open payment permission for the user.

In this embodiment, the system generates a corresponding verification interface for the user according to the identity data of the user and the payment content of the transaction payment by responding to the data of the user for verifying the payment verification token, where the verification interface includes information content belonging to the payment transaction such as the payment content and the user name corresponding to the verification, and simultaneously the system sends a corresponding verification link address to the user through a separate opposite channel based on the verification interface, where the separate opposite channel includes a short message or a mailbox message, and after the user performs the verification interface through the verification link address, the user receives verification data input in the verification interface, and after the system records the verification data, generates a corresponding payment verification result, so that a corresponding payment authority can be opened to the user.

In this embodiment, the receiving module further includes:

the generation unit is used for responding to the payment operation initiated by the user through the terminal equipment and generating a temporary payment code corresponding to the payment operation;

and the application unit is used for collecting money by applying a payment frame corresponding to the payment means based on the payment means adopted by the user for the temporary payment code.

In this embodiment, the system generates, through a payment operation initiated by a user from the terminal device, a temporary payment code corresponding to the payment operation, and selects, based on a corresponding payment means selected by the user for the temporary payment code, a corresponding receipt and payment frame to collect payment for the user through the corresponding payment means, where, if the user selects to apply a WeChat wallet to pay, the corresponding receipt and payment frame is a WeChat receipt and payment code, and if the user selects to apply a Payment wallet to pay, the corresponding receipt and payment frame is a Payment and payment code.

In this embodiment, the sending module further includes:

the second generation unit is used for determining the target verification mode according to the personal information of the user and the payment failure result, and generating a verification interface corresponding to the target verification mode by the user based on failure data corresponding to the payment failure result;

And the collecting unit is used for generating corresponding key field data to be verified based on the verification interface, confirming that the user fills the key field data into the verification interface, and collecting the verified verification interface.

In this embodiment, after the system confirms the app of the user payment application according to the personal information of the user and the result of the user transaction payment failure, a target verification mode is generated for the user by adopting the corresponding app address, so that the user can confirm why the user's own transaction payment result fails, and meanwhile, a verification interface for confirming the transaction payment failure is generated for the user, the verification interface contains the cause of the transaction payment error, the user knows the specific position of the cause of the transaction payment failure by identifying the key fonts in the cause, after the user reads the verification interface, the user can complete the verification of the verification interface by inputting "how to complete the transaction" into the verification interface, and the system returns to the transaction payment process for the user, so that the customer can make the transaction payment again.

In this embodiment, the receiving module further includes:

the acquisition unit is used for acquiring the image acquisition permission of the terminal equipment of the user, capturing the image information of the user based on the image acquisition permission, inputting the image information into a face image set to be identified, selecting the image information of the user according to a feature set preset by the face image set to be identified, and carrying out face recognition processing to obtain a face recognition result corresponding to the image information of the user;

The third judging unit is used for judging whether the face recognition result is matched with the pre-recorded face image of the user, generating a matching similarity value corresponding to the judging result, and determining the payment transaction security corresponding to the payment request based on the matching similarity value;

and the processing unit is used for sending a preset payment notification instruction to the terminal equipment of the user according to the payment transaction security, receiving the payment instruction fed back by the terminal equipment of the user based on the payment notification instruction, and generating payment verification processing for the user.

In this embodiment, the system captures current image information of a user and records the current image information in a face image set to be identified after obtaining rights for the user by obtaining the image acquisition rights of the terminal equipment of the user, and according to a preset feature set selection function, selects five-sense organ features in the image information, extends to all directions based on nose coordinates as base points, collects coordinate point position information corresponding to other four-sense organs, and can generate face recognition results corresponding to the image information, and determines whether the face recognition results match the face image of the user recorded in advance by the system or not, and then generates a matching similarity value corresponding to the determination result, and determines transaction security of transaction payment based on the matching similarity value; for example, when four or more pieces of information in the five sense organs of the image information can be matched, the matching similarity value exceeds 80% of a preset value, at this time, the system sends a preset payment notification instruction to the terminal device of the user, receives the payment instruction fed back after the user finishes reading the payment notification instruction, and generates payment verification processing for the user; for example, when only three pieces of information in five sense organs of the image information can be matched, the matching similarity value cannot reach 80% set in advance, and at this time, the system cannot provide corresponding payment authority for the user.

Although embodiments of the present invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made therein without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.

Claims (10)

1. The payment processing method based on the android consumer machine is characterized by comprising the following steps of:

receiving payment information uploaded by a user, acquiring personal information of the user based on the payment information, generating to-be-paid content of the user according to the payment information and the personal information, returning the to-be-paid content to terminal equipment of the user, and providing a corresponding payment mode of the to-be-paid content for the user, wherein the payment mode comprises key payment, two-dimensional code payment or fingerprint payment;

acquiring a payment mode selected by the user, sending money payment content to the user based on the payment mode, generating preset payment conditions according to the money payment content, and judging whether the payment process of the user meets the preset payment conditions, wherein the preset payment conditions comprise a common payment area, a payment residual period and payment verification times;

If not, generating a payment failure result corresponding to the content to be paid to the terminal equipment of the user, sending the payment failure result and a failure reason thereof to the user, deducting the payment content, and sending a payment verification token to the user according to a preset verification period of the user;

synchronously creating virtual payment information of the user based on the payment verification token, collecting the virtual payment information for analysis, generating a payment environment state of the user, and judging whether the payment environment state is matched with the common payment area;

if the user data information is not matched with the user data information, acquiring user data information according to the corresponding information of the payment environment state, taking the current position information of the user as an extension coordinate, taking the coordinate of a common payment area of the user as a fixed coordinate, extending the position between the fixed coordinate and the extension coordinate to the same direction, creating a co-directional coordinate category, and creating a temporary transaction area belonging to the user by the fixed coordinate, the extension coordinate and the co-directional coordinate category;

initiating a transaction request to a terminal device of the user, receiving payment confirmation information returned by the terminal device of the user, and generating a transaction record corresponding to the user based on the payment amount, the user signature information and account data by acquiring the preset payment amount, the user signature information and the account data corresponding to the payment amount in the terminal device of the user, wherein the transaction record comprises signature information of a payer and signature information of a payee; the account data is account book data of a receiving and paying party corresponding to the transaction record.

2. The android consumer based payment processing method according to claim 1, wherein the step of obtaining the payment mode selected by the user and sending the payment content to the user based on the payment mode comprises:

providing a preset verification random keyboard for the user, and acquiring a plurality of key information input by the user based on the verification random keyboard as a verification mode of selecting key payment by the user, wherein the key information comprises an absolute value of a key and absolute position information of the key;

comparing the preset verification information of the user according to the key information for verifying payment, and judging whether the key information is consistent with the verification information;

if yes, allowing the user to pay based on the key information;

if not, continuing to acquire the key information of the next round of the user input by the verification random keyboard for verification until the key information is verified.

3. The android consumer based payment processing method according to claim 1, wherein the step of generating a payment failure result corresponding to the content to be paid to the terminal device of the user, and sending the payment failure result and a failure reason thereof to the user includes:

Generating an order payment request based on the money payment content, and judging whether a return result of the order payment request is detected;

if not, providing inquiry payment permission to the user to inquire whether the payment is successful, wherein the payment overtime exists for the payment content, the payment request is submitted, but the payment content of the payment result cannot be obtained, receiving the inquiry request based on a preset period, and correspondingly processing the payment content according to the inquiry result of the inquiry request, wherein the payment content which fails in payment is rolled back to the order payment request state of the payment content.

4. The android consumer machine-based payment processing method of claim 1, wherein the step of sending the payment failure result and the failure reason thereof to the user, deducting the payment content, and sending a payment verification token to the user according to a preset verification period of the user comprises:

responding to the payment verification token, determining a verification mode and a verification interface generated corresponding to the verification mode according to the identity data of the user and the payment content, generating a link address to be verified of the user based on the verification mode and the verification interface, and sending a payment verification request to terminal equipment of the user through an independent channel according to the link address, wherein the payment verification request is provided with the link address corresponding to the verification interface, so that the user opens the link address for payment verification;

And receiving verification data sent by the user, obtaining a payment verification result corresponding to the payment verification request according to the verification data, and providing open payment permission for the user.

5. The android consumer machine-based payment processing method of claim 4, wherein the step of receiving the verification data sent by the user, obtaining a payment verification result based on the payment verification request, providing open payment authority to the user, and generating a payment result according to the payment content comprises the steps of:

responding to a payment operation initiated by the user through the terminal equipment, and generating a temporary payment code corresponding to the payment operation;

and based on the payment means adopted by the user for the temporary payment code, collecting money by applying a receipt and payment frame corresponding to the payment means.

6. The android consumer based payment processing method of claim 4, wherein the step of determining a verification manner and a verification interface generated corresponding to the verification manner according to the identity data of the user and the payment content in response to the payment verification token comprises:

Determining a target verification mode according to the personal information of the user and the payment failure result, and generating a verification interface corresponding to the target verification mode based on failure data corresponding to the payment failure result;

and generating corresponding key field data to be verified based on the verification interface, confirming that the user fills the key field data into the verification interface, and collecting the verified verification interface data.

7. The android consumer based payment processing method according to claim 1, wherein the step of generating the user's content to be paid according to the payment information and the personal information, returning the content to be paid to the user's terminal device, and providing the user with a corresponding payment manner of the content to be paid includes:

acquiring the image acquisition authority of the terminal equipment of the user, capturing the image information of the user based on the image acquisition authority, inputting the image information into a face image set to be identified, selecting the image information of the user according to a feature set preset by the face image set to be identified, and carrying out face recognition processing to obtain a face recognition result corresponding to the image information of the user;

Judging whether the face recognition result is matched with the pre-recorded user face image, generating a matching similarity value corresponding to the judgment result, and determining the payment transaction security corresponding to the payment request based on the matching similarity value;

and sending a preset payment notification instruction to the terminal equipment of the user according to the payment transaction safety, receiving the payment instruction fed back by the terminal equipment of the user based on the payment notification instruction, and generating payment verification processing for the user.

8. Payment processing system based on android consumer, characterized in that it comprises:

the receiving module is used for receiving payment information uploaded by a user, acquiring personal information of the user based on the payment information, generating contents to be paid of the user according to the payment information and the personal information, returning the contents to be paid to terminal equipment of the user, and providing corresponding payment modes of the contents to be paid for the user, wherein the payment modes comprise key payment, two-dimensional code payment or fingerprint payment;

the judging module is used for acquiring a payment mode selected by the user, sending money payment content to the user based on the payment mode, generating preset payment conditions according to the money payment content, and judging whether the payment process of the user meets the preset payment conditions or not, wherein the preset payment conditions comprise a common payment area, a payment remaining period and payment verification times;

The execution module is used for generating a payment failure result corresponding to the content to be paid to the terminal equipment of the user if not, sending the payment failure result and the failure reason to the user, deducting the money payment content, and sending a payment verification token to the user according to a preset verification period of the user;

the second judging module is used for synchronously creating virtual payment information of the user based on the payment verification token, collecting the virtual payment information for analysis, generating a payment environment state of the user, and judging whether the payment environment state is matched with the common payment area;

the second execution module is used for acquiring user data information according to the corresponding information of the payment environment state if the user data information is not matched, taking the current position information of the user as an extension coordinate, taking the coordinate of a common payment area of the user as a fixed coordinate, extending the position between the fixed coordinate and the extension coordinate to the same direction, creating a co-directional coordinate category, and creating a temporary transaction area belonging to the user by the fixed coordinate, the extension coordinate and the co-directional coordinate category;

The generation module is used for initiating a transaction request to the terminal equipment of the user, receiving payment confirmation information returned by the terminal equipment of the user, and generating a transaction record corresponding to the user based on the payment amount, the user signature information and the account data by acquiring the preset payment amount, the user signature information and the account data in the terminal equipment of the user, wherein the transaction record comprises signature information of a payer and signature information of a payee; the account data is account book data of a receiving and paying party corresponding to the transaction record.

9. The android consumer based payment processing system of claim 8, wherein said determining module further comprises:

the input unit is used for providing a preset verification random keyboard for the user, acquiring a plurality of key information input by the user based on the verification random keyboard and taking the key information as a verification mode of selecting key payment by the user, wherein the key information comprises an absolute value of a key and absolute position information of the key;

the judging unit is used for comparing the verification information preset by the user according to the key information for verifying payment and judging whether the key information is consistent with the verification information or not;

The execution unit is used for allowing the user to pay based on the key information if yes;

and the second execution unit is used for continuously acquiring the key information of the next round of verification input by the user by applying the verification random keyboard if not, and verifying the key information until the key information is verified.

10. The android consumer based payment processing system of claim 8, wherein the execution module further comprises:

a second judging unit for generating an order payment request based on the money payment content and judging whether a return result of the order payment request is detected;

and the third execution unit is used for providing inquiry payment permission for the user if not, inquiring whether the payment is successful, overtime payment exists for the payment content, submitting a payment request, but the payment content of the payment result cannot be obtained, receiving the inquiry request based on a preset period, and correspondingly processing the payment content according to the inquiry result of the inquiry request, wherein the payment content which fails to be paid is rolled back to the order payment request state of the payment content.