CN117592994A - Payment verification method, device, equipment and storage medium - Google Patents

Payment verification method, device, equipment and storage medium Download PDF

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Publication number
CN117592994A
CN117592994A CN202311476346.4A CN202311476346A CN117592994A CN 117592994 A CN117592994 A CN 117592994A CN 202311476346 A CN202311476346 A CN 202311476346A CN 117592994 A CN117592994 A CN 117592994A
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Prior art keywords
order
verification
information
payment
party
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Chinese (zh)
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陈江鹏
应亦丰
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Alipay Hangzhou Information Technology Co Ltd
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Alipay Hangzhou Information Technology Co Ltd
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Priority to CN202311476346.4A priority Critical patent/CN117592994A/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

An embodiment of the present specification provides a payment verification method, apparatus, device, and storage medium, where the method includes: and acquiring an order payment request of the order payer, and carrying out identity consistency verification on the order payer and an order creator of the order according to the order payment request. If the identity authentication is passed, a payment process is performed based on the order payment request. If the identity consistency verification is not passed, the trusted relationship verification is carried out on the order paying party and the order creating party. If the trusted relationship verification passes, a payment process is performed based on the order payment request.

Description

Payment verification method, device, equipment and storage medium
This patent application is application number: 202010711883.2, filing date: the invention name "payment verification method, device, equipment and storage medium" is a divisional application of chinese patent application, month 07 and 22 of 2020.
Technical Field
The present document relates to the field of internet technologies, and in particular, to a payment verification method, device, equipment, and storage medium.
Background
Currently, after a commodity purchaser orders a commodity on line, the commodity purchaser can pay at a third party payment platform. However, if the commodity purchaser selects other users to pay for their generation, the payer mainly communicates with the third-party payment platform and does not directly communicate with the merchant, so that the merchant can only acquire the commodity purchaser information and cannot acquire the information of the payer.
In the payment substituting scenario, the merchant can only acquire the information of the commodity purchaser, can not acquire the information of the paying party, and the third party payment platform can only acquire the information of the paying party, can not acquire the information of the commodity purchaser, so that the vulnerability is easily utilized by illegal molecules, and account theft and brushing are realized, for example, the illegal molecules purchase the commodity by using own account ordering and pay by using the stolen account. Based on this, it is necessary to provide a technical solution to perform risk identification when paying by a payer, ensure the fund safety of the payer, and improve the safety of the account of the payer.
Disclosure of Invention
One or more embodiments of the present specification provide a payment verification method. The method includes acquiring environmental information of an order creator's terminal device of an order from a merchant system according to an order payment request of an order payer. And carrying out identity consistency verification on the order payment party and the order creation party according to the environmental information of the terminal equipment of the order payment party and the environmental information of the terminal equipment of the order creation party, which are included in the order payment request. And if the identity consistency verification is passed, executing payment processing based on the order payment request. And if the identity consistency verification is not passed, carrying out trusted relation verification on the order paying party and the order creating party in a mode of filling verification information. And if the trusted relation verification is passed, executing payment processing based on the order payment request.
One or more embodiments of the present specification provide a payment verification apparatus. The device comprises a first verification module, and environmental information of terminal equipment of an order creator of the order is acquired from a merchant system according to an order payment request of an order payer. And carrying out identity consistency verification on the order payment party and the order creation party according to the environmental information of the terminal equipment of the order payment party and the environmental information of the terminal equipment of the order creation party, which are included in the order payment request. The apparatus further includes a first payment module that performs payment processing based on the order payment request if the identity verification passes. The device also comprises a second verification module, and if the identity consistency verification is not passed, the trusted relationship verification is carried out on the order paying party and the order creating party in a mode of filling verification information. The apparatus further includes a second payment module that performs payment processing based on the order payment request if the trusted relationship verification passes.
One or more embodiments of the present specification provide a payment verification device. The apparatus comprises a processor and a memory arranged to store computer executable instructions. The computer executable instructions, when executed, cause the processor to obtain, from a merchant system, environmental information of a terminal device of an order creator of the order based on an order payment request of an order payer. And carrying out identity consistency verification on the order payment party and the order creation party according to the environmental information of the terminal equipment of the order payment party and the environmental information of the terminal equipment of the order creation party, which are included in the order payment request. And if the identity consistency verification is passed, executing payment processing based on the order payment request. And if the identity consistency verification is not passed, carrying out trusted relation verification on the order paying party and the order creating party in a mode of filling verification information. And if the trusted relation verification is passed, executing payment processing based on the order payment request.
One or more embodiments of the present specification provide a storage medium. The storage medium is for storing computer-executable instructions. The computer executable instructions, when executed by the processor, obtain, from a merchant system, environmental information of a terminal device of an order creator of the order based on an order payment request of an order payer. And carrying out identity consistency verification on the order payment party and the order creation party according to the environmental information of the terminal equipment of the order payment party and the environmental information of the terminal equipment of the order creation party, which are included in the order payment request. And if the identity consistency verification is passed, executing payment processing based on the order payment request. And if the identity consistency verification is not passed, carrying out trusted relation verification on the order paying party and the order creating party in a mode of filling verification information. And if the trusted relation verification is passed, executing payment processing based on the order payment request.
Drawings
In order to more clearly illustrate the technical solution in one or more embodiments of the present description, the following description will briefly introduce the drawings that are needed in the embodiments or the description of the prior art, it is obvious that the drawings in the following description are only some embodiments described in the present description, and other drawings may be obtained according to these drawings without inventive effort to a person of ordinary skill in the art.
Fig. 1 is a schematic diagram of a scenario of a payment verification method according to an embodiment of the present disclosure;
FIG. 2 is a flow chart of a payment verification method according to an embodiment of the present disclosure;
fig. 3 is a flowchart of a payment verification method according to another embodiment of the present disclosure;
fig. 4 is a flowchart of a payment verification method according to another embodiment of the present disclosure;
fig. 5 is a schematic structural diagram of a payment verification device according to an embodiment of the present disclosure;
fig. 6 is a schematic structural diagram of a payment verification device according to another embodiment of the present disclosure;
fig. 7 is a schematic structural diagram of a payment verification device according to an embodiment of the present disclosure.
Detailed Description
In order to enable a person skilled in the art to better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described below with reference to the drawings in one or more embodiments of the present specification, and it is obvious that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one or more embodiments of the present disclosure without inventive faculty, are intended to be within the scope of the present disclosure.
An object of one embodiment of the present disclosure is to provide a payment verification method, apparatus, device and storage medium, so as to perform risk identification during payment of a payer, ensure the fund security of the payer, and improve the security of an account of the payer.
Fig. 1 is a schematic diagram of a scenario of a payment verification method according to an embodiment of the present disclosure, and as shown in fig. 1, the scenario includes a terminal device 101 of an order payer, a terminal device 102 of an order creator, a merchant system 103, and a payment service system 104. The terminal device 101 may be an electronic device with payment function, such as a mobile phone, a computer, a tablet computer, etc. The terminal device 102 may be an electronic device with commodity ordering function, such as a mobile phone, a computer, a tablet computer, etc. Merchant system 103 may be comprised of multiple merchant servers or multiple clusters of merchant servers. The payment service system 104 may be comprised of a plurality of payment servers or a plurality of payment server clusters. In the scenario shown in fig. 1, the payment service system 104 may communicate with the merchant system 103 and the terminal device 101 of the order payer, and the terminal device 102 of the order creator may communicate with the merchant system 103, so as to implement the payment verification method in this embodiment, perform risk identification during payment of the order payer, ensure fund security of the order payer, and improve account security of the order payer.
Fig. 2 is a schematic flow chart of a payment verification method according to an embodiment of the present disclosure, where the payment verification method may be performed by the payment service system shown in fig. 1, and as shown in fig. 2, the flow chart includes the following steps:
step S202, acquiring an order payment request of an order payer;
step S204, according to the order payment request, identity consistency verification is carried out on the order paying party and the order creating party of the order;
step S206, if the identity consistency verification is passed, executing payment processing based on the order payment request;
step S208, if the identity consistency verification is not passed, carrying out the trusted relationship verification on the order paying party and the order creating party;
in step S210, if the trusted relationship verification is passed, the payment process is performed based on the order payment request.
It can be seen that, in this embodiment, identity consistency verification can be performed on the order payer and the order creator under the order payment scenario, if the identity consistency verification passes, payment processing is performed based on the order payment request of the order payer, if the identity consistency verification does not pass, trusted relationship verification is performed on the order payer and the order creator, and if the trusted relationship verification passes, payment processing is performed based on the order payment request of the order payer, so that risk identification is performed when the order payer pays, fund security of the order payer is ensured, and account security of the order payer is improved.
In step S202, the payment service system obtains an order payment request from an order payer. In one embodiment, after the order creator performs the order placing operation, the merchant system may generate order payment information, such as a payment two-dimensional code, for the order creator based on the order creator's order placing operation. When the order creation party and the order payment party are not the same user, the order creation party can send order payment information to the order payment party, and the order payment party sends an order payment request to the payment service system according to the order payment information, so that the payment service system receives the order payment request of the order payment party. When the order creation party and the order payment party are the same user, the order creation party is used as the order payment party, and an order payment request is sent to the payment service system according to the order payment information, so that the payment service system receives the order payment request of the order payment party.
In one embodiment, the order payment information is a payment two-dimensional code, the order payer can scan the payment two-dimensional code through the terminal equipment, call a third party payment platform, confirm the payee and the amount in the third party payment platform, input a payment password and click a payment control, so that an order payment request is sent to the payment service system.
In the above step S204, the payment service system performs identity consistency verification on the order payer and the order creator of the order according to the order payment request of the order payer. Identity verification may be understood as determining whether the order payer and the order creator are the same user.
In one embodiment, identity consistency verification is performed on an order payor and an order creator of an order according to an order payment request of the order payor, specifically:
(a1) Acquiring environmental information of terminal equipment of an order paying party and environmental information of terminal equipment of an order creating party according to an order payment request;
(a2) And carrying out identity consistency verification on the order paying party and the order creating party according to the environment information of the terminal equipment of the order paying party and the environment information of the terminal equipment of the order creating party.
In the above-described operation (a 1), the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator are first acquired according to the order payment request. In one embodiment, the environmental information of the order payer's terminal device includes at least one of location information, network address information, network type information, and device model information of the order payer's terminal device. The environment information of the terminal device of the order creator includes at least one of location information, network address information, network type information, and device model information of the terminal device of the order creator. The type of information included in the environmental information of the terminal device of the order-paying side is the same as the type of information included in the environmental information of the terminal device of the order-creating side.
The location information may be information obtained by a location based service (Location Based Services, LBS), among others. The network address information may be IP (Internet Protocol ) address information or MAC (Media Access Control ) address information, etc. The network type information may be 4G, 5G, wi-Fi, or the like. The device model information may be information of a brand, model, or trade name of the device. The type of information included in the environmental information of the terminal device of the order payer is the same as the type of information included in the environmental information of the terminal device of the order creator, for example, the environmental information of the terminal device of the order payer includes the above-mentioned location information and the above-mentioned network address information, and the environmental information of the terminal device of the order creator also includes the above-mentioned location information and the above-mentioned network address information.
In one embodiment, the act (a 1) obtains, according to the order payment request, the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator, specifically:
(a11) Extracting environmental information of terminal equipment of an order payment party from an order payment request; the method comprises the steps of,
(a12) Based on the order payment request, an environmental information acquisition request is sent to a merchant system, and environmental information of a terminal device of an order creator returned by the merchant system according to the environmental information acquisition request is received.
When the order payment direction payment service system transmits the order payment request, the environmental information of the terminal device of the order payer may be carried in the order payment request, so that in the act (a 11), the payment service system may extract the environmental information of the terminal device of the order payer from the order payment request.
The payment service system may send an environmental information acquisition request to the merchant system based on the order payment request. Because the merchant system directly communicates with the order creator, the merchant system can acquire and store the environmental information of the terminal device of the order creator when the order creator creates the order, and therefore, the merchant system can return the environmental information of the terminal device of the order creator to the payment service system based on the environmental information acquisition request sent by the payment service system, and the payment system receives the environmental information of the terminal device of the order creator returned by the merchant system according to the environmental information acquisition request.
In one embodiment, the payment service system sends the environmental information retrieval request to the merchant system via a specific interface, such as a WAP (Wireless Application Protocol ) payment interface. Accordingly, the merchant system returns the environmental information of the terminal device of the order creator to the payment service system via a specific interface, such as a WAP payment interface.
In one embodiment, the step (a 2) performs identity consistency verification on the order payor and the order creator according to the environmental information of the terminal device of the order payor and the environmental information of the terminal device of the order creator, specifically:
(a21) Judging whether the content of the environmental information of the terminal equipment of the order paying party is the same as the content of the environmental information of the terminal equipment of the order creating party;
(a22) If the identity verification is the same, the identity verification is determined to pass, otherwise, the identity verification is determined not to pass.
After the payment service system acquires the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator, the payment service system can judge whether the content of the environmental information of the terminal device of the order payer and the content of the environmental information of the terminal device of the order creator are the same on the basis of the same information types because the types of the information included in the environmental information of the terminal device of the order payer and the information included in the environmental information of the terminal device of the order creator are the same. For example, if the environmental information of the terminal device of the order taker includes the above-mentioned position information and the environmental information of the terminal device of the order creator also includes the above-mentioned position information, the payment service system judges whether or not the content of the above-mentioned position information of the order taker is identical to the content of the above-mentioned position information of the order creator.
If the payment service system determines that the content of the environmental information of the terminal device of the order party is the same as the content of the environmental information of the terminal device of the order party, the terminal device of the order party and the terminal device of the order party are determined to be the same device, so that the order party and the order party are determined to be the same user, and the identity consistency verification of the order party and the order party is determined to pass. If the payment service system determines that the content of the environmental information of the terminal device of the order party is different from the content of the environmental information of the terminal device of the order party, determining that the terminal device of the order party and the terminal device of the order party are not the same device, determining that the order party and the order party are not the same user, and determining that identity consistency verification of the order party and the order party is not passed.
When the environment information of the terminal device of the order payer and the environment information of the terminal device of the order creator comprise more than two kinds of information, the payment service system determines that the identity consistency verification of the order payer and the order creator is passed when determining that the information content of each environment information is identical. For example, the environment information of the terminal device of the order party includes the location information and the network address information, and the environment information of the terminal device of the order party also includes the location information and the network address information, so that the payment service system determines whether the content of the location information of the order party is identical to the content of the location information of the order party, and whether the content of the network address information of the order party is identical to the content of the network address information of the order party, and if the two determination results are identical, it is determined that the identity consistency verification of the order party and the order party is passed, and if the two determination results are different or only one determination result is identical, it is determined that the identity consistency verification of the order party and the order party is not passed.
When the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator each include the positional information, the payment service system may set a corresponding error range for the positional information in consideration of the positional accuracy problem of the terminal device, and when the difference between the content of the positional information of the terminal device of the order payer and the content of the positional information of the terminal device of the order creator is within the corresponding error range, it is also determined that the content of the positional information of the terminal device of the order payer and the content of the positional information of the terminal device of the order creator are the same. For example, the location information includes latitude and longitude information, and when the difference between the latitude and longitude information of the terminal device of the order payer and the latitude and longitude information of the terminal device of the order creator is within the allowable latitude and longitude error range, the payment service system also determines that the content of the location information of the terminal device of the order payer and the content of the location information of the terminal device of the order creator are the same.
Therefore, in this embodiment, by comparing whether the content of the environmental information of the terminal device of the order payer and the content of the environmental information of the terminal device of the order creator are the same, the effect of accurately judging whether the order payer and the order creator are the same user can be achieved, so that the scene of the same person placing an order and paying can be accurately identified.
When the identity of the order payer and the order creator is verified, it is indicated that the order payer and the order creator are the same user, and the current scenario is the scenario of the same person placing an order and paying, so the payment service system performs the subsequent corresponding payment processing based on the order payment request of the order payer and informs the merchant system of the payment result, as shown in step S206.
When the identity consistency verification of the order paying party and the order creating party is not passed, the fact that the order paying party and the order creating party are not the same user is indicated, and the current scene is a scene of the non-same person ordering and paying, namely the current scene is a payment scene. In order to improve the security of payment in the payment-by-proxy scenario, the payment service system performs trusted relationship verification on the order payer and the order creator as shown in step S208.
In one embodiment, the trusted relationship verification for the order payer and the order creator specifically includes:
(b1) Sending first verification information to an order payment party and verification indication information to an order creation party;
(b2) Acquiring second verification information fed back by the order creator based on the verification indication information;
(b3) And carrying out trusted relation verification on the order paying party and the order creating party according to the first verification information and the second verification information.
In one embodiment, the payment service system may generate a random verification code. Correspondingly, the first verification information is sent to the order payer, and the generated random verification code can be sent to the order payer by the payment service system through a short message channel. After the random verification code is generated, the payment service system sends the random verification code to the terminal equipment of the order payer through the short message channel, wherein the payment service system can acquire the communication number of the terminal equipment of the order payer in advance.
In one embodiment, the verification indication information may include a verification information filling page. Accordingly, the payment service system sends verification indication information to the order creator, which may be: the payment service system sends the page address of the verification information filling page to the merchant system, so that the merchant system sends the verification information filling page to the order creator according to the page address. In order to improve the efficiency of sending page addresses, the payment service system can send the page addresses of the verification information filling pages to the merchant system as parameters in the form of POST requests, so that the merchant system sends the verification information filling pages to the order creator according to the page addresses. The merchant system sends the verification information filling page to the order creator according to the page address, and the merchant system can automatically control the terminal equipment of the order creator to jump to the verification information filling page according to the page address.
The payment service system also acquires second verification information fed back by the order creator based on the verification instruction information. For example, the payment service system obtains second verification information filled in the verification information filling page by the order creator. In one embodiment, the order creator may fill in the verification information fill page with second verification information, such that the merchant system obtains the second verification information. The merchant system may send the second authentication information to the payment service system via a designated interface, such as a WAP payment interface, such that the payment service system receives the second authentication information via the designated interface, such as a WAP payment interface.
In one embodiment, the payment service system performs trusted relationship verification on the order payer and the order creator according to the first verification information and the second verification information, and specifically includes:
(b31) Judging whether the first verification information is consistent with the second verification information;
(b32) If the first verification information is consistent with the second verification information, the trusted relationship verification is determined to pass, otherwise, the trusted relationship verification is determined not to pass.
In one embodiment, the payment service system obtains the second verification information filled in the verification information filling page by the order creator, and then determines whether the first verification information and the second verification information are consistent. For example, if the first verification information is a short message verification code, the payment service system judges whether the short message verification code sent to the order payment party is consistent with the verification code filled in the verification information filling page by the order creator.
If the two information are consistent, the order paying party transmits the received first verification information to the order creating party, so that the order paying party and the order creating party are acquaintances, namely, the two are in a trusted relationship, and the verification of the trusted relationship between the order paying party and the order creating party is confirmed to pass.
If the two information are inconsistent, the order creation side is not informed of the first verification information received by the order payment side, and the order payment side and the order creation side are not acquaintances, namely, the two information are not in a trusted relationship, so that the verification of the trusted relationship between the order payment side and the order creation side is determined to be not passed.
Therefore, in this embodiment, in the scene of placing an order and paying by a different person, the trusted relationship verification can be performed on the order payer and the order creator by filling the verification information, so as to ensure the payment security of the payment payer.
In one embodiment, if the order creator does not feed back the second validation information for more than a certain time, the payment service system also determines that the order payer and the order creator's trusted relationship validation is not passed.
In one embodiment, the payment service system sends a verification information filling page to the payment payer to indicate the payment payer to fill in relevant information about the payment creator in the page, such as information about the real name, the identification card number and the like of the payment creator, and the payment service system judges whether the information filled in by the payment payer is correct, if so, the verification of the trusted relationship between the order payer and the order creator is determined to be passed, and if not, the verification of the trusted relationship between the order payer and the order creator is determined to be failed.
After the trusted relationship verification is performed on the order payer and the order creator, if the trusted relationship verification is not passed, the payment service system may also send notification messages of payment failure to the order payer and the order creator.
Fig. 3 is a schematic flow chart of a payment verification method according to another embodiment of the present disclosure, where the payment verification method may be performed by the payment service system shown in fig. 1, and as shown in fig. 3, the flow chart includes the following steps:
step S302, obtaining an order payment request of an order paying party;
step S304, according to the order payment request, identity consistency verification is carried out on an order paying party and an order creating party of the order;
if the identity authentication is passed, step S306 is executed, otherwise step S308 is executed.
Step S306, a payment process is performed based on the order payment request.
Step S308, the order payor and the order creator are subjected to trusted relationship verification.
If the trusted relationship verification passes, step S310 is performed, otherwise step S312 is performed.
In step S310, payment processing is performed based on the order payment request.
Step S312, a notification message of payment failure is sent to the order payer and the order creator.
In step S312, the payment service system may send a notification message of the payment failure to the order payer, and send a notification message of the payment failure to the merchant system, which sends the notification message of the payment failure to the order creator.
In practical application, the payment service system may include a payment order receiving system and a payment security decision center, and the above payment verification method may be executed by the payment order receiving system and the payment security decision center in cooperation. Accordingly, fig. 4 is a schematic flow chart of a payment verification method according to another embodiment of the present disclosure, as shown in fig. 4, where the flow chart relates to five ends of a terminal device of an order creator, a terminal device of an order payer, a merchant system, a payment receipt system and a payment security decision center, and the flow chart includes the following steps:
in step S402, the terminal device of the order creator transmits order placing operation data of the order creator to the merchant system.
In this step, the order creator can access the mobile web page of the merchant system in the browser, select the commodity and place the order, so that the terminal device of the order creator sends the order placing operation data of the order creator to the merchant system. The order operation data includes information such as order time, commodity name of the order commodity, and the like.
In step S404, the merchant system generates a payment two-dimensional code.
In the step, the merchant system generates a payment two-dimensional code according to the order placing operation data of the order creator, and displays the two-dimensional code in a browser webpage.
In step S406, the terminal device of the order payer sends an order payment request to the payment receipt system.
In this step, the terminal device of the order payer may scan the payment two-dimensional code, so as to send an order payment request to the payment and receipt system according to the payment two-dimensional code, where the order payment request carries environmental information of the terminal device of the order payer.
In step S408, the merchant system sends the environmental information of the terminal device of the order creator to the payment receipt system.
The merchant system may send the environmental information of the terminal device of the order creator to the payment receipt system via the WAP payment interface.
In step S410, the payment receipt system transmits the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator to the payment security decision center.
In step S412, the payment security decision center performs identity consistency verification on the order payer and the order creator.
If the identity authentication is passed, step S414 is executed, otherwise step S416 is executed.
In step S414, the payment receipt system performs a payment operation.
After the payment receipt system performs the payment operation, the payment result may also be sent to the merchant system and the order payer. The payment result includes a payment success or a payment failure.
In step S416, the payment receipt system sends the merchant system a page address of the verification information filling page.
The address is generated by the payment receipt system.
And S418, the payment receipt system sends a short message verification code to the terminal equipment of the order payer.
The short message verification code is generated by a payment receipt system.
Step S420, the merchant system sends a verification information filling page to the order creator.
In step S422, the merchant system receives verification information returned by the order creator.
In step S424, the merchant system sends the verification information to the payment receipt system.
The merchant system may send the verification information to the payment receipt system via the WAP payment interface.
And step S426, the payment receipt system sends the verification information and the short message verification code to the payment security decision center.
Step S428, the payment security decision center performs trusted relationship verification on the order payer and the order creator.
And the payment security decision center compares whether the verification information is consistent with the short message verification code. If the trusted relationship verification is consistent, the trusted relationship verification is confirmed to be passed, otherwise, the trusted relationship verification is confirmed not to be passed. If the trusted relationship verification passes, step S430 is performed, otherwise step S432 is performed.
In step S430, the payment receipt system performs a payment operation.
After the payment receipt system performs the payment operation, the payment result may also be sent to the merchant system and the order payer. The payment result includes a payment success or a payment failure.
In step S432, the payment receipt system transmits a payment failure notification message to the merchant system.
In the flow shown in fig. 4, after step S432, the payment receipt system may also send a payment failure notification message to the order payer.
In the flow shown in fig. 4, if the identity verification is passed, it is indicated that the order payer and the order creator are the same user. If the identity consistency verification is not passed, the order paying party and the order creating party are different users. In fig. 4, for convenience of explanation, the terminal device of the order payer and the terminal device of the order creator are separately illustrated.
In summary, the payment verification method in the above embodiment has at least the following technical effects:
(1) Through identity consistency verification, trusted relationship verification and other modes, risk identification is carried out when an order payer pays, so that risks such as fraud, gambling and the like are reduced, fund safety of the order payer is ensured, and account safety of the order payer is improved;
(2) When the identity consistency verification fails, judging whether the order paying party and the order creating party have a trusted relationship or not by adopting a trusted relationship verification mode, thereby carrying out safety verification on the payment scene and realizing the safety verification under the payment scene;
(3) When the identity consistency verification fails, judging whether the order paying party and the order creating party have a trusted relationship or not by adopting a trusted relationship verification mode, and directly refusing payment, thereby improving the payment success rate in a payment-substituting scene;
(4) The application scenario is unlimited, and the method can be applied to a mobile webpage payment scenario or an application program internal payment scenario, and the payment safety under each scenario is improved.
An embodiment of the present disclosure further provides a payment verification device, and fig. 5 is a schematic structural diagram of the payment verification device provided in an embodiment of the present disclosure, as shown in fig. 5, where the device includes:
a request acquisition module 51 that acquires an order payment request of an order payer;
a first verification module 52 for performing identity consistency verification on the order payer and the order creator of the order according to the order payment request;
a first payment module 53 that performs payment processing based on the order payment request if the identity correspondence verification is passed;
A second verification module 54 for performing a trusted relationship verification on the order payer and the order creator if the identity correspondence verification is not passed;
and a second payment module 55 for executing payment processing based on the order payment request if the trusted relationship verification is passed.
Optionally, the second verification module 54 sends first verification information to the order payer, and sends verification indication information to the order creator; acquiring second verification information fed back by the order creator based on the verification indication information; and carrying out trusted relation verification on the order paying party and the order creating party according to the first verification information and the second verification information.
Optionally, the second verification module 54 sends a random verification code to the order payer via a sms channel.
Optionally, the second verification module 54 sends a page address of the verification information filling page to the merchant system, so that the merchant system sends the verification information filling page to the order creator according to the page address.
Optionally, the second verification module 54 determines whether the first verification information and the second verification information are consistent; if the first verification information is consistent with the second verification information, determining that the trusted relationship verification is passed, otherwise, determining that the trusted relationship verification is not passed.
Optionally, the first verification module 52 obtains, according to the order payment request, environmental information of the terminal device of the order payer and environmental information of the terminal device of the order creator; and carrying out identity consistency verification on the order paying party and the order creating party according to the environment information of the terminal equipment of the order paying party and the environment information of the terminal equipment of the order creating party.
Optionally, the first verification module 52 extracts the environmental information of the terminal device of the order payer from the order payment request; and based on the order payment request, sending an environmental information acquisition request to the merchant system, and receiving environmental information of the terminal equipment of the order creator returned by the merchant system according to the environmental information acquisition request.
Optionally, the first verification module 52 determines whether the content of the environmental information of the terminal device of the order payer and the content of the environmental information of the terminal device of the order creator are the same; if the identity verification is the same, the identity verification is determined to pass, otherwise, the identity verification is determined not to pass.
Optionally, the environmental information of the terminal device of the order payer includes at least one of location information, network address information, network type information, and device model information of the terminal device of the order payer; the environment information of the terminal equipment of the order creator comprises at least one of position information, network address information, network type information and equipment model information of the terminal equipment of the order creator; and, the kind of information included in the environmental information of the terminal device of the order-paying party is the same as the kind of information included in the environmental information of the terminal device of the order-creating party.
Fig. 6 is a schematic structural diagram of a payment verification device according to another embodiment of the present disclosure, optionally, as shown in fig. 6, the device further includes, based on fig. 5: and a message sending module 56 for sending a notification message of payment failure to the order payer and the order creator if the trusted relationship verification is not passed after the trusted relationship verification is performed on the order payer and the order creator.
It can be seen that, in this embodiment, identity consistency verification can be performed on the order payer and the order creator under the order payment scenario, if the identity consistency verification passes, payment processing is performed based on the order payment request of the order payer, if the identity consistency verification does not pass, trusted relationship verification is performed on the order payer and the order creator, and if the trusted relationship verification passes, payment processing is performed based on the order payment request of the order payer, so that risk identification is performed when the order payer pays, fund security of the order payer is ensured, and account security of the order payer is improved.
The payment verification device in the embodiment of the present disclosure can implement each process of the payment verification method in the foregoing embodiment, and achieve the same effects and functions, which are not described herein.
In another embodiment of the present disclosure, a payment verification device is further provided, and fig. 7 is a schematic structural diagram of the payment verification device provided in one embodiment of the present disclosure, as shown in fig. 7, the payment verification device may have a relatively large difference due to different configurations or performances, and may include one or more processors 901 and a memory 902, where the memory 902 may store one or more storage applications or data. Wherein the memory 902 may be transient storage or persistent storage. The application program stored in memory 902 may include one or more modules (not shown in the figures), each of which may include a series of computer-executable instructions for use in a payment verification device. Still further, the processor 901 may be arranged to communicate with the memory 902 and execute a series of computer executable instructions in the memory 902 on the payment verification device. The payment verification device may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input output interfaces 905, one or more keyboards 906, and the like.
In one particular embodiment, a payment verification device 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 verification device, and configured to be executed by one or more processors, the one or more programs comprising computer-executable instructions for:
Acquiring an order payment request of an order payer;
according to the order payment request, identity consistency verification is carried out on the order paying party and the order creating party of the order;
if the identity consistency verification is passed, executing payment processing based on the order payment request;
if the identity consistency verification is not passed, carrying out trusted relation verification on the order paying party and the order creating party;
and if the trusted relation verification is passed, executing payment processing based on the order payment request.
Optionally, the computer executable instructions, when executed, perform a trusted relationship verification for the order payer and the order creator, comprising: sending first verification information to the order payment party and verification indication information to the order creation party; acquiring second verification information fed back by the order creator based on the verification indication information; and carrying out trusted relation verification on the order paying party and the order creating party according to the first verification information and the second verification information.
Optionally, the computer executable instructions, when executed, send first validation information to the order payer, comprising: and sending a random verification code to the order paying party through a short message channel.
Optionally, the computer executable instructions, when executed, include verification information filling out page; sending verification indication information to the order creator, comprising: and sending the page address of the verification information filling page to the merchant system so that the merchant system sends the verification information filling page to the order creator according to the page address.
Optionally, the computer executable instructions, when executed, perform trusted relationship verification on the order payer and the order creator based on the first verification information and the second verification information, including: judging whether the first verification information is consistent with the second verification information; if the first verification information is consistent with the second verification information, determining that the trusted relationship verification is passed, otherwise, determining that the trusted relationship verification is not passed.
Optionally, the computer executable instructions, when executed, perform identity consistency verification for the order payer and the order creator of the order according to the order payment request, comprising: acquiring the environmental information of the terminal equipment of the order paying party and the environmental information of the terminal equipment of the order creating party according to the order payment request; and carrying out identity consistency verification on the order paying party and the order creating party according to the environment information of the terminal equipment of the order paying party and the environment information of the terminal equipment of the order creating party.
Optionally, the computer executable instructions, when executed, obtain, according to the order payment request, environmental information of the terminal device of the order payer and environmental information of the terminal device of the order creator, including: extracting environmental information of terminal equipment of the order payer from the order payment request; and based on the order payment request, sending an environmental information acquisition request to the merchant system, and receiving environmental information of the terminal equipment of the order creator returned by the merchant system according to the environmental information acquisition request.
Optionally, the computer executable instructions, when executed, perform identity consistency verification on the order payor and the order creator of the order according to the environmental information of the terminal device of the order payor and the terminal device of the order creator, including: judging whether the content of the environmental information of the terminal equipment of the order paying party is the same as the content of the environmental information of the terminal equipment of the order creating party; if the identity verification is the same, the identity verification is determined to pass, otherwise, the identity verification is determined not to pass.
Optionally, the computer executable instructions, when executed, the environmental information of the order payer's terminal device includes at least one of location information, network address information, network type information, device model information of the order payer's terminal device; the environment information of the terminal equipment of the order creator comprises at least one of position information, network address information, network type information and equipment model information of the terminal equipment of the order creator; and, the kind of information included in the environmental information of the terminal device of the order-paying party is the same as the kind of information included in the environmental information of the terminal device of the order-creating party.
Optionally, the computer executable instructions, when executed, may further, after the validation of the trusted relationship for the order payer and the order creator: and if the trusted relation verification is not passed, sending notification messages of payment failure to the order paying party and the order creating party.
It can be seen that, in this embodiment, identity consistency verification can be performed on the order payer and the order creator under the order payment scenario, if the identity consistency verification passes, payment processing is performed based on the order payment request of the order payer, if the identity consistency verification does not pass, trusted relationship verification is performed on the order payer and the order creator, and if the trusted relationship verification passes, payment processing is performed based on the order payment request of the order payer, so that risk identification is performed when the order payer pays, fund security of the order payer is ensured, and account security of the order payer is improved.
The payment verification device in the embodiment of the present disclosure can implement each process of the payment verification method in the foregoing embodiment, and achieve the same effects and functions, which are not described herein.
Further, based on the method shown in fig. 1 to 5, another embodiment of the present disclosure further provides a storage medium, which is configured to store computer executable instructions, and in a specific embodiment, the storage medium may be a U disc, an optical disc, a hard disk, or the like, where the computer executable instructions stored in the storage medium can implement the following flow when executed by a processor:
Acquiring an order payment request of an order payer;
according to the order payment request, identity consistency verification is carried out on the order paying party and the order creating party of the order;
if the identity consistency verification is passed, executing payment processing based on the order payment request;
if the identity consistency verification is not passed, carrying out trusted relation verification on the order paying party and the order creating party;
and if the trusted relation verification is passed, executing payment processing based on the order payment request.
Optionally, the storage medium storing computer executable instructions that, when executed by the processor, perform a trusted relationship verification for the order payer and the order creator, comprising: sending first verification information to the order payment party and verification indication information to the order creation party; acquiring second verification information fed back by the order creator based on the verification indication information; and carrying out trusted relation verification on the order paying party and the order creating party according to the first verification information and the second verification information.
Optionally, the storage medium stores computer executable instructions that, when executed by the processor, send first validation information to the order payer, comprising: and sending a random verification code to the order paying party through a short message channel.
Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, the verification indication information comprises a verification information filling page; sending verification indication information to the order creator, comprising: and sending the page address of the verification information filling page to the merchant system so that the merchant system sends the verification information filling page to the order creator according to the page address.
Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, perform trusted relationship verification on the order payor and the order creator based on the first verification information and the second verification information, including: judging whether the first verification information is consistent with the second verification information; if the first verification information is consistent with the second verification information, determining that the trusted relationship verification is passed, otherwise, determining that the trusted relationship verification is not passed.
Optionally, the computer executable instructions stored on the storage medium, when executed by the processor, perform identity consistency verification for the order payer and the order creator of the order according to the order payment request, comprising: acquiring the environmental information of the terminal equipment of the order paying party and the environmental information of the terminal equipment of the order creating party according to the order payment request; and carrying out identity consistency verification on the order paying party and the order creating party according to the environment information of the terminal equipment of the order paying party and the environment information of the terminal equipment of the order creating party.
Optionally, the computer executable instructions stored in the storage medium, when executed by the processor, obtain, according to the order payment request, the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator, including: extracting environmental information of terminal equipment of the order payer from the order payment request; and based on the order payment request, sending an environmental information acquisition request to the merchant system, and receiving environmental information of the terminal equipment of the order creator returned by the merchant system according to the environmental information acquisition request.
Optionally, the computer executable instructions stored in the storage medium, when executed by the processor, perform identity consistency verification on the order payer and the order creator of the order according to the environmental information of the terminal device of the order payer and the terminal device of the order creator, including: judging whether the content of the environmental information of the terminal equipment of the order paying party is the same as the content of the environmental information of the terminal equipment of the order creating party; if the identity verification is the same, the identity verification is determined to pass, otherwise, the identity verification is determined not to pass.
Optionally, the computer executable instructions stored by the storage medium, when executed by the processor, the environmental information of the terminal device of the order payer includes at least one of location information, network address information, network type information, and device model information of the terminal device of the order payer; the environment information of the terminal equipment of the order creator comprises at least one of position information, network address information, network type information and equipment model information of the terminal equipment of the order creator; and, the kind of information included in the environmental information of the terminal device of the order-paying party is the same as the kind of information included in the environmental information of the terminal device of the order-creating party.
Optionally, the storage medium storing computer executable instructions that, when executed by the processor, further enable, after the trusted relationship verification for the order payer and the order creator: and if the trusted relation verification is not passed, sending notification messages of payment failure to the order paying party and the order creating party.
It can be seen that, in this embodiment, identity consistency verification can be performed on the order payer and the order creator under the order payment scenario, if the identity consistency verification passes, payment processing is performed based on the order payment request of the order payer, if the identity consistency verification does not pass, trusted relationship verification is performed on the order payer and the order creator, and if the trusted relationship verification passes, payment processing is performed based on the order payment request of the order payer, so that risk identification is performed when the order payer pays, fund security of the order payer is ensured, and account security of the order payer is improved.
The storage medium in the embodiments of the present disclosure can implement each process of the payment verification method in the foregoing embodiments, and achieve the same effects and functions, which are not described herein.
The foregoing describes specific embodiments of the present disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can 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 are also possible or may be advantageous.
In the 90 s of the 20 th century, improvements to one technology could clearly be distinguished as improvements in hardware (e.g., improvements to circuit structures such as diodes, transistors, switches, etc.) or software (improvements to the process flow). However, with the development of technology, many improvements of the current method flows can be regarded as direct improvements of hardware circuit structures. Designers almost always obtain corresponding hardware circuit structures by programming improved method flows into hardware circuits. Therefore, an improvement of a method flow cannot be said to be realized by a hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (e.g., field programmable gate array (Field Programmable Gate Array, FPGA)) is an integrated circuit whose logic function is determined by the programming of the device by a user. A designer programs to "integrate" a digital system onto a PLD without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Moreover, nowadays, instead of manually manufacturing integrated circuit chips, such programming is mostly implemented by using "logic compiler" software, which is similar to the software compiler used in program development and writing, and the original code before the compiling is also written in a specific programming language, which is called hardware description language (Hardware Description Language, HDL), but not just one of the hdds, but a plurality of kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), lava, lola, myHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog are currently most commonly used. It will also be apparent to those skilled in the art that a hardware circuit implementing the logic method flow can be readily obtained by merely slightly programming the method flow into an integrated circuit using several of 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, application specific integrated circuits (Application Specific Integrated Circuit, ASIC), programmable logic controllers, and embedded microcontrollers, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, atmel AT91SAM, microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic of the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller may thus be regarded as a kind of hardware component, and means for performing various functions included therein may also be regarded as structures within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.
The system, apparatus, module or unit set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. One typical implementation is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, 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 functionally divided into various units, respectively. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing one or more embodiments of the present description.
It will be appreciated by those skilled in the art that embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Moreover, embodiments of the present description may take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
Embodiments of the present description are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In one typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include volatile memory in a computer-readable medium, random Access Memory (RAM) and/or nonvolatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
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 storage media for a computer 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, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.
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 one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.
It will be appreciated by those skilled in the art that embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present specification may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Moreover, embodiments of the present description may take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
One or more embodiments of the present specification 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.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.
The foregoing is merely exemplary of the present disclosure and is not intended to limit the present disclosure. Various modifications and variations of the embodiments described herein will be apparent to those skilled in the art. Any modifications, equivalent substitutions, improvements, etc. that fall within the spirit and principles of the present document are intended to be included within the scope of the claims of the present document.

Claims (12)

1. A payment verification method, comprising:
acquiring environmental information of terminal equipment of an order creator of the order from a merchant system according to an order payment request of an order payer; according to the environmental information of the terminal equipment of the order paying party and the environmental information of the terminal equipment of the order creating party, which are included in the order payment request, identity consistency verification is carried out on the order paying party and the order creating party;
if the identity consistency verification is passed, executing payment processing based on the order payment request;
if the identity consistency verification is not passed, carrying out trusted relationship verification on the order paying party and the order creating party in a mode of filling verification information;
and if the trusted relation verification is passed, executing payment processing based on the order payment request.
2. The method of claim 1, said verifying the trusted relationship between the order payer and the order creator by filling verification information, comprising:
transmitting first verification information to the order payer, and transmitting a page address of a verification information filling page to the merchant system, so that the merchant system transmits the verification information filling page to the order creator according to the page address;
Acquiring second verification information fed back by the order creator based on the verification information filling page;
and carrying out trusted relation verification on the order paying party and the order creating party according to the first verification information and the second verification information.
3. The method of claim 2, sending first validation information to the order payer, comprising:
and sending a random verification code to the order paying party through a short message channel.
4. The method of claim 2, the verifying the trusted relationship for the order payer and the order creator based on the first verification information and the second verification information, comprising:
judging whether the first verification information is consistent with the second verification information;
if the first verification information is consistent with the second verification information, determining that the trusted relationship verification is passed, otherwise, determining that the trusted relationship verification is not passed.
5. The method of claim 1, wherein the acquiring, from a merchant system, the environmental information of the terminal device of the order creator of the order according to the order payment request of the order payer, comprises:
and sending an environmental information acquisition request to a merchant system based on an order payment request of an order paying party, and receiving environmental information of terminal equipment of the order creating party returned by the merchant system according to the environmental information acquisition request.
6. The method of claim 1, the verifying identity consistency of the order payer and the order creator of the order based on the environmental information of the order payer's terminal device and the order creator's terminal device included in the order payment request, comprising:
judging whether the content of the environmental information of the terminal equipment of the order paying party is the same as the content of the environmental information of the terminal equipment of the order creating party;
if the identity verification is the same, the identity verification is determined to pass, otherwise, the identity verification is determined not to pass.
7. The method according to claim 1,
the environmental information of the terminal equipment of the order payer comprises at least one of position information, network address information, network type information and equipment model information of the terminal equipment of the order payer;
the environment information of the terminal equipment of the order creator comprises at least one of position information, network address information, network type information and equipment model information of the terminal equipment of the order creator;
and, the kind of information included in the environmental information of the terminal device of the order-paying party is the same as the kind of information included in the environmental information of the terminal device of the order-creating party.
8. The method of claim 1, after the trusted relationship verification of the order payer and the order creator, the method further comprising:
and if the trusted relation verification is not passed, sending notification messages of payment failure to the order paying party and the order creating party.
9. A payment verification apparatus for use in a payment service system, comprising:
the first verification module acquires environmental information of terminal equipment of an order creator of the order from a merchant system according to an order payment request of an order payer; according to the environmental information of the terminal equipment of the order paying party and the environmental information of the terminal equipment of the order creating party, which are included in the order payment request, identity consistency verification is carried out on the order paying party and the order creating party;
the first payment module is used for executing payment processing based on the order payment request if the identity consistency verification is passed;
the second verification module is used for verifying the credible relationship between the order paying party and the order creating party in a mode of filling verification information if the identity consistency verification is not passed;
and the second payment module is used for executing payment processing based on the order payment request if the trusted relation is verified.
10. The apparatus of claim 9, further comprising:
and the message sending module is used for sending notification messages of payment failure to the order paying party and the order creating party if the trusted relation verification is not passed after the trusted relation verification is carried out on the order paying party and the order creating party.
11. A payment verification device, comprising: a processor; and a memory arranged to store computer executable instructions that, when executed, cause the processor to:
acquiring environmental information of terminal equipment of an order creator of the order from a merchant system according to an order payment request of an order payer; according to the environmental information of the terminal equipment of the order paying party and the environmental information of the terminal equipment of the order creating party, which are included in the order payment request, identity consistency verification is carried out on the order paying party and the order creating party;
if the identity consistency verification is passed, executing payment processing based on the order payment request;
if the identity consistency verification is not passed, carrying out trusted relationship verification on the order paying party and the order creating party in a mode of filling verification information;
And if the trusted relation verification is passed, executing payment processing based on the order payment request.
12. A storage medium storing computer-executable instructions that when executed by a processor implement the following:
acquiring environmental information of terminal equipment of an order creator of the order from a merchant system according to an order payment request of an order payer; according to the environmental information of the terminal equipment of the order paying party and the environmental information of the terminal equipment of the order creating party, which are included in the order payment request, identity consistency verification is carried out on the order paying party and the order creating party;
if the identity consistency verification is passed, executing payment processing based on the order payment request;
if the identity consistency verification is not passed, carrying out trusted relationship verification on the order paying party and the order creating party in a mode of filling verification information;
and if the trusted relation verification is passed, executing payment processing based on the order payment request.
CN202311476346.4A 2020-07-22 2020-07-22 Payment verification method, device, equipment and storage medium Pending CN117592994A (en)

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