WO2021114895A1

WO2021114895A1 - Network payment method, apparatus, device and system

Info

Publication number: WO2021114895A1
Application number: PCT/CN2020/123367
Authority: WO
Inventors: 明浩; 张哲�
Original assignee: 支付宝(杭州)信息技术有限公司
Priority date: 2019-12-13
Filing date: 2020-10-23
Publication date: 2021-06-17
Also published as: CN113256294B; CN113256294A; CN111027975A; CN111027975B

Abstract

Disclosed in embodiments of the description are a network payment method, apparatus, device and system. The method comprises: obtaining a rebate request initiated by a first terminal logged in with a first account, wherein the rebate request is used for requesting a rebate to a second account, and the first account is a payee account that is determined to have a fraudulent transaction with the second account; sending a first inquiry message for the rebate request to a second terminal logged in with the second account, wherein the first inquiry message is used for inquiring whether the user of the second account accepts a rebate; obtaining operation acceptance information sent by the second terminal, the operation acceptance information being used for indicating that the user of the second account agrees to accept the rebate; and paying the money corresponding to the rebate request from the first account to the second account.

Description

Network payment method, device, equipment and system

Technical field

This application relates to the field of computer technology, and in particular to a network payment method, device, equipment and system.

Background technique

With the popularization of electronic payment technology, more and more people use online payment platforms for transfer transactions. In real life, there are often situations where users transfer money to criminals due to fraud.

After the user discovers that he has been scammed, his most direct appeal is to hope that the online payment platform can return the scammed funds. However, due to financial regulatory policies and other reasons, the online payment platform does not have the authority to cancel transfer transactions or use user account funds. Currently, online payment platforms usually deal with online fraudulent transfers as follows. After users report fraud, the payment platform will restrict the function of the receiving account suspected of fraud, so that the fraudulent funds are controlled in the receiving account. However, for the deceived user, the network payment method in the prior art still cannot repay the funds paid by the deceived user in the fraudulent transaction.

Summary of the invention

In view of this, the embodiments of the present application provide a network payment method, device, device, and system, which are used to enable the network payment platform to have the function of returning the money in the fraudulent transaction to the account of the fraudulent user, and improve the efficiency of the refund.

In order to solve the above technical problems, the embodiments of this specification are implemented in this way.

An embodiment of the present specification provides a network payment method, including: obtaining a rebate request initiated by a first terminal logged in with a first account, the rebate request is used to request a rebate to a second account, the first The account is the payee account that is determined to have a fraudulent transaction with the second account; the first inquiry message for the rebate request is sent to the second terminal logged in the second account, the first An inquiry message is used to inquire whether the user of the second account accepts the rebate; to obtain the acceptance operation information sent by the second terminal, and the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate ; Pay the money corresponding to the rebate request from the first account to the second account.

A network payment device provided by an embodiment of this specification includes: a rebate request obtaining module, configured to obtain a rebate request initiated by a first terminal logged in with a first account, and the rebate request is used to request payment to a second account For rebate, the first account is the payee account that is determined to have a fraudulent transaction with the second account; the inquiry message sending module is used to send to the second terminal logged in the second account A first inquiry message for the rebate request, where the first inquiry message is used to inquire whether the user of the second account accepts the rebate request; the operation information obtaining module is used to obtain the second The acceptance operation information sent by the terminal, the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate; the payment module is used to pay the money corresponding to the rebate request from the first account to the The second account.

A transaction server provided by an embodiment of this specification includes: at least one processor; and a memory communicatively connected with the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor , The instruction is executed by the at least one processor, so that the transaction server can: obtain a rebate request initiated by the first terminal logged into the first account, and the rebate request is used to request a rebate to the second account The first account is the payee account that is determined to have a fraudulent transaction with the second account; and the first question regarding the rebate request is sent to the second terminal logged in with the second account An inquiry message, the first inquiry message is used to inquire whether the user of the second account accepts the rebate request; to obtain the acceptance operation information sent by the second terminal, and the acceptance operation information is used to indicate the The user of the second account agrees to accept the rebate; the payment corresponding to the rebate request is paid from the first account to the second account.

A risk control server provided by an embodiment of this specification includes: at least one processor; and, a memory communicatively connected with the at least one processor; wherein the memory stores a memory that can be executed by the at least one processor; Instruction, the instruction is executed by the at least one processor, so that the risk control server can: obtain report information sent by a terminal logged in with a second account, and the report information is used to indicate that the second account and the first The completed transaction between one account is a fraudulent transaction, wherein the second account is the payer account in the completed transaction; it is determined whether the fraudulent transaction is established, and the first determination result is obtained; when the first A judgment result indicates that when the fraudulent transaction is established, the transaction authority of the first account is limited to a locked state. In the locked state, the first account has the authority to make payments to the second account, so The transaction authority between the first account and other accounts is locked.

A mobile terminal provided by an embodiment of this specification includes: at least one processor; and a memory communicatively connected with the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor , The instruction is executed by the at least one processor, so that the mobile terminal can: obtain a rebate request initiated by the user based on the first account, and the rebate request is used to request a rebate to the second account, so The first account is the payee account that is determined to have a fraudulent transaction with the second account; the identity information of the user is obtained; based on the identity information, it is determined whether the user is the account of the first account Register a user and obtain a first judgment result; when the first judgment result indicates that the user is a registered user of the first account, send the rebate request to the transaction server.

A mobile terminal provided by an embodiment of this specification includes: at least one processor; and a memory communicatively connected with the at least one processor; wherein the memory stores instructions that can be executed by the at least one processor , The instruction is executed by the at least one processor, so that the mobile terminal can: obtain an inquiry message sent by the transaction server, the inquiry message being used to inquire the user of the second account logged in on the mobile terminal Whether to accept the rebate; display the first operation option, the first operation option is used to obtain the user's acceptance operation; obtain the acceptance operation information input by the user based on the first operation option; obtain the user's identity information; According to the identity information, it is determined whether the user is a registered user of the second account, and a first judgment result is obtained; when the first judgment result indicates that the user is a registered user of the second account, the The acceptance operation information is sent to the transaction server.

The network payment system provided by the embodiment of this specification includes: a transaction server and a risk control server; the risk control server is used to obtain report information sent by a second terminal logged in with a second account; the report information is used to indicate The completed transaction between the first account and the second account is a fraudulent transaction, wherein the second account is the payer account in the completed transaction; it is determined whether the fraudulent transaction is established, and the first Judgment result; when the first judgment result indicates that the fraudulent transaction is established, the transaction authority of the first account is limited to the locked state; in the locked state, the first account has the right to the second The account has the authority to make payments, and the transaction authority between the first account and other accounts is locked; the transaction server is used to obtain the rebate request initiated by the first terminal logged into the first account; the rebate The request is used to request a refund to the second account; a first inquiry message for the refund request is sent to the second terminal; the first inquiry message is used to inquire about the account of the second account Whether the user accepts the rebate; obtain the acceptance operation information sent by the second terminal; the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate; the payment corresponding to the rebate request is transferred to the The first account pays to the second account; sends a rebate completion message to the risk control server; the risk control server is also used to unlock the first account after obtaining the rebate completion message .

The above at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects.

This application provides an online payment method for the scenario where the recipient returns the fraudulent funds after the user is scammed and reports the receiving account. Specifically, the transaction server of the online payment platform obtains the receiving account (the fraudster) Then, after inquiring the paying user (frauded party) and receiving the consent information of the paying user, the money corresponding to the refund request is returned from the receiving account to the paying account. The above method enables the online payment platform to have the function of returning the money in the fraudulent transaction to the account of the fraudulent user, which can improve the efficiency of the refund. On the other hand, due to the return of fraudulent funds, the rights of users are further protected.

Description of the drawings

The drawings described here are used to provide a further understanding of the application and constitute a part of the application. The exemplary embodiments and descriptions of the application are used to explain the application, and do not constitute an improper limitation of the application.

Figure 1 is a schematic flowchart of a network payment method provided by an embodiment of this specification;

FIG. 2 is an interaction flowchart of a network payment method provided by an embodiment of this specification;

FIG. 3 is a schematic structural diagram of a network payment device provided by an embodiment of this specification;

Figure 4 is a schematic structural diagram of a network payment device provided by an embodiment of this specification;

Fig. 5 shows a schematic diagram of the principle of a network payment system according to an embodiment of the present application.

Detailed ways

In order to make the purpose, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be described clearly and completely in conjunction with specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of this application.

The technical solutions provided by the embodiments of the present application will be described in detail below with reference to the accompanying drawings.

Fig. 1 is a schematic flowchart of a network payment method provided by an embodiment of this specification. From a program perspective, the execution subject of a process can be a program or an application client loaded on an application server. Wherein, the application server may be a transaction server.

As shown in Fig. 1, the process may include step S110 to step S140.

Step S110: Obtain a rebate request initiated by the first terminal logged in with the first account; the rebate request is used to request a rebate to the second account; the first account is determined to be different from the second account Recipient account for fraudulent transactions.

Among them, the account may be a registered account on the online trading platform. The first account and the second account refer to different accounts registered on the online trading platform. In the following, the first user may be a registered user of the first account, and the second user may be a registered user of the second account. Generally, for an online trading platform, there is a one-to-one correspondence between accounts and users.

Among them, the first terminal refers to the terminal with the first account logged in. Specifically, the first terminal refers to the terminal with the first account logged in when the embodiment of the present application is executed. The first terminal is not limited to a certain fixed electronic device. For example, when the first account is logged in to device A, device A is called the first terminal, and when the first account is logged in to device B, device B is called the first terminal. One terminal. In the same way, the second terminal in the following refers to the terminal with the second account logged in. Specifically, the second terminal refers to the terminal with the second account logged in when the embodiment of the present application is executed.

In the embodiments of the present application, terms such as "first", "second", and "third" are only used to associate one account, user, terminal, information, message, result, module, unit, etc. with another account, Users, terminals, information, messages, results, modules, units, etc. are distinguished, but these accounts, users, terminals, information, messages, results, modules, and units are not limited by these terms.

In the embodiment of this application, the first account may be the account of the user suspected of fraud, that is, the first account may be the payee account of the fraudulent transaction; the second account may be the account of the fraudulent user, that is, the first account may be the account of the fraudulent user. The second account can be a user who is paying in a fraudulent transaction. When the payee account in a fraudulent transaction wants to make a refund to the payer account, the terminal corresponding to the payee account may send the refund request information to the transaction server.

The rebate request may include the first account identification and the second account identification. Optionally, the refund request may also include refund amount information. Optionally, the rebate request may also include transaction information of the fraudulent transaction, and the transaction information includes transaction amount information. According to an embodiment, the refund amount in the refund amount information may be equal to the transaction amount in the transaction amount information.

In the practical application of the alternative implementation manner, the sending of the rebate request may be realized by operating a control such as "refund" on the first terminal. In this case, sending the rebate request and The subsequent actual rebate is embodied in two operations in the first terminal. In the practical application of the alternative embodiment, it is also possible to directly initiate a transfer request from the first account to the second account on the first terminal. In this case, it is equivalent to initiating a transfer request from the first account to the second account. Rebate request. In this case, sending the rebate request and making the actual rebate are embodied as one operation in the first terminal. The scenario of sending a rebate request is not limited to the above example. In either case, the transaction server processes the rebate request first, and then executes the actual rebate after the rebate request is confirmed by the terminal logged in with the second account.

The specific name of the control is given as an example in the embodiments of this application, such as the "refund" control, and examples of other controls are given below, but these examples are only for illustrative purposes. The name, implementation form, etc. are not specifically limited, as long as the meaning can be accurately conveyed to the user.

Step S120: Send a first inquiry message for the rebate request to the second terminal logged in the second account; the first inquiry message is used to inquire whether the user of the second account accepts the rebate .

When the transaction server receives the refund request from the first account, it can ask the user of the second account whether to accept the refund intention. If the user of the second account accepts the rebate, the subsequent steps are executed; if the user of the second account does not accept the rebate, the current process is terminated.

Wherein, the first inquiry message may include the identification of the rebate request account (first account) and transaction information involved in the rebate. Specifically, the transaction information involved in the rebate may include a transaction number, transaction time, and transaction amount. The first inquiry message may also include the amount of rebate. Generally, the rebate amount is equal to the transaction amount.

In an alternative embodiment, a control for the user to select may be displayed to the user on the second terminal. For example, the user may be shown the operation controls respectively "accept (refund)" and "not accept (refund)" for the second user to select. In this case, the operation for expressing the intention to receive the rebate and the subsequent operation for receiving the actual rebate are embodied as two operations in the second terminal. In an optional implementation manner, the information to be refunded may also be directly displayed on the second terminal. At this time, the user can be shown the operation controls of "receive" and "not accept" for selection at the same time. In this case, the operation for expressing the intention to receive the rebate and the operation for receiving the actual rebate are reflected in the second terminal As an operation. In either case, the transaction server first processes the feedback information sent by the second terminal on whether to receive the rebate, and only further performs the actual rebate step when the information fed back by the second terminal is confirmation of receipt of the rebate.

In an alternative implementation manner, the second terminal may only perform operations for indicating the intention to receive the rebate, that is, only operate on the controls of "accept (refund)" and "not accept (refund)"; When the transaction server pays the rebate to the second account, there is no need for the user to perform a confirmation operation on the second terminal. In this case, the user only needs to perform the operation for expressing the intention to receive the rebate, and does not need to perform the actual collection operation. This solution can reduce the operations of users receiving rebates, and improve the efficiency of rebates and user experience.

Step S130: Obtain the acceptance operation information sent by the second terminal; the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate.

According to an embodiment, after the user agrees to accept the refund request from the first account to the second account, the consent intention may be fed back to the transaction server. Specifically, the second terminal may send acceptance operation information to the transaction server based on the user's operation indicating acceptance of the rebate.

Step S140: Pay the money corresponding to the rebate request from the first account to the second account.

Step S140 may specifically include synchronously changing the amount of funds in the first account and the second account, for example, reducing the amount of funds in the first account by an amount corresponding to the rebate amount, and increasing the amount of funds in the second account by The amount corresponding to the rebate amount.

In the above-mentioned embodiment, the transaction server obtains the rebate request for the receiving account of the fraudulent transaction, and then asks the payment user of the fraudulent transaction and receives the payment user’s consent information, and then transfers the payment corresponding to the rebate request Return from the payee’s account to the payer’s account. The above method enables the online payment platform to have the function of returning the money in the fraudulent transaction to the account of the fraudulent user, which can improve the efficiency of the refund. On the other hand, due to the return of fraudulent funds, the rights of users are further protected.

Based on the method in FIG. 1, the embodiments of this specification also provide some specific implementations of the method, which are described below.

In practical applications, before the transaction server obtains the rebate request initiated by the first terminal based on the first account (step S110), it may also include the risk control server determining whether the first account is between the first account and the second account. There is a fraudulent transaction that uses the first account as the payee. If there is, the risk control server can lock the transaction authority of the first account.

Specifically, the following step may be included before step S110: the risk control server obtains the report information sent by the second terminal, where the report information is used to indicate that the transaction between the first account and the second account has been completed. The transaction is a fraudulent transaction, where the second account is the payer account in the completed transaction; the risk control server determines whether the fraudulent transaction is established and obtains the first determination result; when the first determination result indicates When the fraudulent transaction is established, the transaction authority of the first account is limited to a locked state. In the locked state, the first account has the authority to pay to the second account, and the first account The transaction authority with other accounts is locked.

Wherein, the terminal sending report information to the server (ie, fraud report) refers to the behavior that the user discovers that the transaction was cheated by the payee or a third party after completing a certain transaction, and the user reports the cheated transaction. In practical applications, the report information is information sent by the deceived user to the network transaction platform for fraudulent transactions for the purpose of fraud reporting. The report information may be information sent by the fraudulent payer account to the risk control server. Among them, the specific reporting method can be realized by the user of the paying party by clicking the "Report" control on the transaction page, and this application does not impose any limitation on this.

Among them, a fraudulent transaction means that after a user reports fraud on a certain transaction, if the transaction is judged to be fraudulent, the transaction is called a fraudulent transaction. Among them, the operation of determining whether the transaction is a fraudulent transaction can be completed by the risk control server, and the specific determination method can be performed according to methods known in the prior art, which is not limited in this application.

Wherein, the report information may include transaction information, and may also include transaction report instructions. Wherein, the transaction information may specifically include a transaction number, a transaction payment account identifier, a transaction receiving account identifier, and transaction amount. Optionally, it may also include the transaction subject, transaction time, transaction location, and so on.

After the risk control server determines that the receiving account is a suspected fraudulent account, the risk control system usually controls the fraudulent transaction funds in the receiving account to ensure the safety of the funds. In this case, the two parties to the transaction do not have a good communication channel to help solve the problem of fraudulent funds between the two. For the deceived user, the defrauded funds of the fraudulent transaction cannot be repaid, and the user has a loss of funds, and for the fraudulent transaction The payee, because the funds in its account are frozen, cannot voluntarily return the funds for fraudulent transactions.

In the above-mentioned embodiment of the present application, when it is determined that the fraudulent transaction is established, the risk control system partially limits the transaction authority of the first account. On the one hand, the fraudulent transaction receiving account cannot conduct transactions with other accounts to ensure the security of funds involved in the fraudulent transaction. On the other hand, the fraudulent transaction receiving account can transfer funds to the fraudulent transaction payment account to return the fraudulent funds.

In practical applications, after the above-mentioned limitation of the payment authority of the first account to the locked state, it may further include: the risk control server sends account lock information to the first terminal logged in with the first account, wherein the account is locked The information is used to prompt that the transaction authority of the first account is limited to the locked state. Wherein, the account lock information may include account lock reasons and the like. Specifically, it may include transaction information involved in causing the account to be locked. Optionally, the account lock information may also include prompt information that prompts the user to unlock the account by actively repaying the money.

In practical applications, after the risk control server limits the payment authority of the first account to the locked state, it may also include: sending a second inquiry message to the first terminal; the second inquiry message is used to inquire Whether the user of the first account returns the money corresponding to the fraudulent transaction. Specifically, the second inquiry message may be sent by the transaction server. Specifically, the function of the second inquiry information includes being used to instruct the user of the first account to actively initiate a rebate request. Optionally, a control for initiating a rebate request may be displayed on the first terminal, so as to enable the first account to actively initiate a rebate request.

In practical applications, before sending the second inquiry message to the first terminal, the method may further include: acquiring historical risk behavior data of the first account; and determining the first account based on the historical risk behavior data Whether the risk value of is higher than the set risk value, the fourth judgment result is obtained. Based on the fourth judgment result, when the fourth judgment result indicates that the risk value of the first account is lower than the set risk value, a second inquiry message is sent to the first terminal.

The effect of this embodiment is that in order to carry out effective risk control and increase the supervision of malicious fraudulent users, before the implementation of the scheme of this application for the fraudulent payee user to refund the fraudulent payer user , Conduct risk level assessment on the payee users suspected of fraud. For example, only users whose risk level meets the conditions (for example, users whose risk level is lower than a certain threshold) are provided with the rebate channels provided in the embodiments of the present application.

In practical applications, after the risk control server limits the payment authority of the first account to the locked state, it may further include: the risk control server sends notification information to the second terminal logged in with the second account, where The notification information is used to inform that the transaction authority of the first account is limited to the locked state, and the second account is the account that reported the fraudulent transaction.

In practical applications, after obtaining the rebate request initiated by the first terminal with the first account (step S110), it may further include: obtaining the first identity information of the first user who initiated the rebate request; According to the first identity information, it is judged whether the first user is a registered user of the first account, and a second judgment result is obtained. Based on the above-mentioned second judgment result, when the second judgment result indicates that the first user is a registered user of the first account, send a request for the rebate to the second terminal logged in with the second account Inquiry message. When the second judgment result indicates that the first user is not a registered account of the first account, the subsequent steps are not executed.

In practical applications, after obtaining the operation acceptance information sent by the second terminal (step S130), it may further include: obtaining second identity information of the second user who inputs the operation acceptance information; based on the second identity Information to determine whether the second user is a registered user of the second account, and obtain a third determination result. Based on the aforementioned third judgment result, when the third judgment result indicates that the second user is a registered user of the second account, the payment corresponding to the rebate request is paid from the first account to the The second account. When the second judgment result indicates that the first user is not a registered account of the first account, the subsequent steps are not executed.

According to an embodiment, the first identification information may be used to identify whether the user currently operating the first terminal is a registered user of the first account. Specifically, it can be determined by comparing the first identification information with the registration information of the registered user of the first account. The second identification information may be used to identify whether the user currently operating the second terminal is a registered user of the second account. Specifically, it can be determined by comparing the second identification information with the registration information of the registered user of the second account.

Wherein, the first identity information and/or the second identity information may be user biometric information, specifically, may include facial feature information, fingerprint information, iris information, voice information, and the like. As long as it is biometric information that corresponds to the stored registered user information and can be recognized by the terminal. Optionally, the first identity information and/or the second identity information may also be password information, including character string passwords, gesture passwords, etc., which may be used in scenarios where the terminal cannot recognize biometric information.

In the foregoing embodiment, the user's identity verification operation may be performed by the identity verification system. Optionally, the identity verification system may be located on an identity verification server. At this time, the registration information is stored on the identity verification server, and the server may receive the first identification information sent by the terminal and combine it with the first identification information. The registered user information of the account is compared, and the server can receive the second identification information sent by the terminal and compare it with the registered user information of the second account to obtain the judgment result and send it back to the corresponding terminal. Optionally, the identity verification system may also be located in the terminal. In this case, the registration information may be stored on the terminal. Specifically, the first terminal may compare the first identification information with the registered user information of the first account, and the second terminal may compare the second identification information with the registered user information of the second account. , To get the judgment result.

In actual application scenarios, it is necessary to determine whether the user who initiated the rebate request is a registered user of the fraudulent transaction receiving account, and it is necessary to determine whether the user who agrees to receive the rebate is a registered user of the fraudulent transaction payment account. Only when the user who initiated the rebate request is determined to be the registered user of the fraudulent transaction receiving account, and the user agreeing to receive the rebate is determined to be the registered user of the fraudulent transaction payment account, can the return of fraudulent funds be completed. In this process, users directly participate in the decision-making of the entire link. The plan fully considers the registered users' control over the amount of personal accounts. While protecting the rights and interests of users, it also improves users' experience of using the online trading platform.

In practical applications, after the payment of the money corresponding to the rebate request from the first account to the second account (step S140), it may further include: unlocking the first account. Specifically, releasing the locked state of the first account may be a complete release or a partial release, and the specific implementation scheme may be determined according to the risk level of the first account.

In practical applications, after the payment corresponding to the rebate request from the first account to the second account (step S140), it may further include: adding the first account to a high-risk list database ; The risk control level of the risk control system for accounts in the high-risk list database is higher than the risk control level of accounts not in the high-risk list database.

In order to more clearly describe the network payment method provided in the embodiment of the present application, FIG. 2 shows an interaction flowchart of the network payment method of the embodiment of the present application.

As shown in FIG. 2, in an embodiment of a network payment method, steps S201 to S213 may be included.

Step S201: The second terminal logged in with the second account (the payment account for fraudulent transactions) sends report information to the risk control server.

Step S202: The risk control server verifies the report information, and obtains a verification result.

Step S203: When the verification result indicates that the report information is verified, send report confirmation information to the second terminal.

Step S204: The risk control server locks the first account involved in the report information.

Step S205: Send account lock information to the first terminal logged in with the first account.

Step S206: The first terminal sends a rebate application to the transaction server.

Step S207: The transaction server sends a rebate inquiry message to the second terminal.

Step S208: The second terminal obtains the user's confirmation operation information for the query information.

Step S209: The second terminal sends the confirmation operation information to the transaction server.

Step S210: After obtaining the confirmation operation information, the transaction server executes a rebate operation.

Step S211: The transaction server sends the completion information of the rebate operation to the risk control server.

Step S212: After obtaining the completion information of the rebate operation, the risk control server unlocks the first account.

Step S213: The risk control server adds the first account to the high-risk list database, and raises the subsequent risk control level for the transactions involved in the first account.

The embodiment of the present application is not limited to this, and the embodiment shown in FIG. 2 above is only used as a specific example, and some of the steps may be omitted, or other steps may be added. For example, step 203, step 205, step 213, etc. can be omitted, and the solution of the present application is still complete after these steps are omitted. For example, after step 206, the verification operation of the user operating the first terminal by the verification system may be included. After step 209, the verification operation of the user operating the second terminal by the verification system may be included. Before 207, it may include the risk control system or the Safe_SP system (Safe_Select_Person System) analyzing the security level of the first user, and determining whether to perform step 206 according to the analysis result.

In addition, in the above-mentioned embodiment, multiple judgment/determination steps are involved, and FIG. 2 only shows an implementation scheme that can finally realize the smooth return of the fraudulent amount. In addition, for example, the fact that the payer of a fraudulent transaction does not agree to rebate is also within the scope of the inventive concept of this application, and belongs to the embodiment of this application, and will not be repeated here.

Based on the same idea, the embodiment of this specification also provides a device corresponding to the above method. Fig. 3 is a schematic structural diagram of a network payment device provided by an embodiment of the specification. As shown in Figure 3, the device may include the following modules.

The rebate request obtaining module 310 is configured to obtain a rebate request initiated by a first terminal logged in with a first account, the rebate request is used to request a rebate to a second account, and the first account is determined to be There is a payee account of a fraudulent transaction between the second accounts.

The inquiry message sending module 320 is configured to send a first inquiry message for the rebate request to a second terminal logged in the second account, where the first inquiry message is used to inquire about the second account Whether the user accepts the rebate request.

The operation information obtaining module 330 is configured to obtain operation acceptance information sent by the second terminal, where the operation acceptance information is used to indicate that the user of the second account agrees to accept the rebate.

The payment module 340 is configured to pay the money corresponding to the rebate request from the first account to the second account.

The network transaction device for returning fraudulent funds disclosed in the above embodiments constructs an information intelligent communication scheme for the interaction of the fraudster, the fraudulent party, and the transaction platform party, so that the fraudster is willing to return the funds, which can be successfully realized. The return of fraudulent funds guarantees the rights and interests of the fraudulent users on the condition that the trading platform does not violate relevant financial regulations.

In practical applications, continuing to refer to FIG. 3, the device may also include the following modules.

The reporting information obtaining module 301 is configured to obtain the reporting information sent by the second terminal before obtaining the rebate request initiated by the first terminal based on the first account, and the reporting information is used to indicate that the first account and the The completed transaction between the second accounts is a fraudulent transaction, wherein the second account is the payer account in the completed transaction.

The first judgment module 302 is used to judge whether the fraudulent transaction is established, and obtain the first judgment result.

The locking module 303 is configured to limit the transaction authority of the first account to a locked state when the first judgment result indicates that the fraudulent transaction is established. In the locked state, the first account has a The authority of the second account to make payments, and the transaction authority between the first account and other accounts are locked.

In practical applications, the device may further include: a first identity information obtaining module, configured to obtain the information of the first user who initiated the rebate request after obtaining the rebate request initiated by the first terminal logged in with the first account First identity information; a second judgment module, configured to judge whether the first user is a registered user of the first account based on the first identity information, and obtain a second judgment result.

According to an embodiment, the inquiry message sending module 320 may be specifically configured to: when the second judgment result indicates that the first user is a registered user of the first account, log in to the second account The second terminal of sends an inquiry message for the rebate request.

In practical applications, the device may further include: a second identity information obtaining module, configured to obtain the second identity information of the second user who inputs the operation acceptance information after obtaining the operation acceptance information sent by the second terminal The third judgment module is used to judge whether the second user is a registered user of the second account based on the second identity information, and obtain a third judgment result.

According to an embodiment, the payment module 340 may be specifically configured to: when the third judgment result indicates that the second user is a registered user of the second account, transfer the payment corresponding to the rebate request to the The first account is paid to the second account.

In practical applications, continuing to refer to FIG. 3, the device may further include: an unlocking module 304, configured to release the payment from the first account to the second account after the payment corresponding to the rebate request The locked status of the first account.

Based on the same idea, the embodiment of this specification also provides a device corresponding to the above method.

Figure 4 is a schematic structural diagram of a network payment device provided by an embodiment of this specification. Specifically, the online payment device may include a transaction server, a risk control server, and a mobile client.

As shown in FIG. 4, when the device 400 is a transaction server, the device 400 may include: at least one processor 410; and a memory 430 communicatively connected with the at least one processor; The instruction 420 executed by the at least one processor 410 is executed by the at least one processor 410, so that the transaction server can: obtain the rebate request initiated by the first terminal logged in with the first account; The rebate request is used to request a rebate to the second account; the first account is the payee account that is determined to have a fraudulent transaction with the second account; The second terminal sends a first inquiry message for the refund request; the first inquiry message is used to inquire whether the user of the second account accepts the refund request; obtains the acceptance sent by the second terminal Operation information; the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate; the payment corresponding to the rebate request is paid from the first account to the second account.

According to an embodiment, the transaction server can further: send a refund completion message to the risk control server after paying the money corresponding to the refund request from the first account to the second account.

As shown in FIG. 4, when the device 400 is a risk control server, the device 400 may include: at least one processor 410; and a memory 430 communicatively connected with the at least one processor; wherein the memory 430 stores data An instruction 420 executed by the at least one processor 410, the instruction being executed by the at least one processor 410, so that the risk control server can: obtain the report information sent by the terminal logged in with the second account; The report information is used to indicate that the completed transaction between the second account and the first account is a fraudulent transaction, where the second account is the payer account in the completed transaction; to determine whether the fraudulent transaction is Yes, the first judgment result is obtained; when the first judgment result indicates that the fraudulent transaction is established, the transaction authority of the first account is limited to a locked state; in the locked state, the first account has The authority to make payments to the second account, and the transaction authority between the first account and other accounts is locked.

According to the embodiment, the risk control server can also release the locked state of the first account after obtaining the rebate completion message sent by the transaction server.

As shown in FIG. 4, when the device 400 is a mobile terminal, the device 400 may include: at least one processor 410; and a memory 430 communicatively connected with the at least one processor; The instructions 420 executed by the at least one processor 410 are executed by the at least one processor 410 so that the mobile terminal can: obtain a rebate request initiated by the user based on the first account; the rebate request Used to request a refund to a second account; the first account is a payee account that is determined to have a fraudulent transaction with the second account; to obtain the identity information of the user; based on the identity information, Determine whether the user is a registered user of the first account, and obtain a first judgment result; when the first judgment result indicates that the user is a registered user of the first account, send the return to the transaction server Payment request.

In the above embodiment of the mobile terminal, the mobile terminal is a mobile terminal registered with the first account that is the receiving account of the fraudulent transaction. The mobile terminal can check the identity of the user, and only when the current operating user is judged to be a registered user of the first account, will it send a rebate request to the transaction server. The function of this embodiment includes ensuring that the rebate request is the true expression of the registered user of the first account, protecting the legitimate rights and interests of the registered user, and improving the user experience of the online trading platform.

As shown in FIG. 4, when the device 400 is a mobile terminal, the device 400 may include: at least one processor 410; and a memory 430 communicatively connected with the at least one processor; The instructions 420 executed by the at least one processor 410 are executed by the at least one processor 410 to enable the mobile terminal to: obtain an inquiry message sent by the transaction server; the inquiry message is used for inquiry Whether the user of the second account logged in on the mobile terminal accepts the rebate; displays a first operation option; the first operation option is used to obtain the user's acceptance operation; to obtain the user's acceptance operation based on the first operation option Information; obtain the user’s identity information; based on the identity information, determine whether the user is a registered user of the second account, and obtain a first judgment result; when the first judgment result indicates that the user is a registered user When the registered user of the second account, the acceptance operation information is sent to the transaction server.

According to an embodiment, the at least one processor is further capable of: after obtaining the inquiry message sent by the transaction server, display a second operation option; the second operation option is used to obtain the user's refusal operation; to obtain the user based on the second operation option; Reject operation information entered by the operation option; obtain the identity information of the user; determine whether the user is a registered user of the second account based on the identity information, and obtain a second judgment result; when the second judgment result It means that when the user is a registered user of the second account, the operation rejection information is sent to the transaction server.

In the above embodiment of the mobile terminal, the mobile terminal is a mobile terminal registered with a second account that is a payment account for fraudulent transactions. The mobile terminal can check the identity of the user, and only when the current operating user is judged to be a registered user of the second account, can it send and receive operation information or reject operation information to the transaction server. The function of this embodiment includes ensuring that the information of accepting or rejecting the rebate is the true expression of the registered user of the second account, protecting the legitimate rights and interests of the registered user, and improving the user experience of the online trading platform.

Based on the same idea, the embodiment of this specification also provides a network payment system corresponding to the above method. The system may include a transaction server and a risk control server: the risk control server is used to obtain report information sent by a second terminal logged in with a second account, and the report information is used to indicate the relationship between the first account and the second account. The completed transaction is a fraudulent transaction, where the second account is the payer account in the completed transaction; it is determined whether the fraudulent transaction is established, and the first determination result is obtained; when the first determination result indicates When the fraudulent transaction is established, the transaction authority of the first account is limited to a locked state. In the locked state, the first account has the authority to pay to the second account, and the first account The transaction authority with other accounts is locked; the transaction server is used to obtain a rebate request initiated by the first terminal logged in to the first account, and the rebate request is used to request payment to the second account Rebate; send a first inquiry message for the rebate request to the second terminal, where the first inquiry message is used to inquire whether the user of the second account accepts the rebate; obtain the second Acceptance operation information sent by the terminal, where the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate; the payment corresponding to the rebate request is paid from the first account to the second account; Sending a rebate completion message to the risk control server; the risk control server is also used to unlock the first account after obtaining the rebate completion message.

Further, FIG. 5 shows a schematic diagram of the principle of a network payment system according to an embodiment of the present application.

As shown in Figure 5, the embodiment of the present application constructs a fraudulent transaction payer, fraudulent transaction payer, and a fraud fund return system for the online transaction platform, so that the three parties can use the online transaction platform as the information hub to carry out sufficient information Communication, transaction parties can conduct multi-level and three-dimensional information interaction, comprehensively solve the problems of information consultation demands and account function limitations of both parties in the fund return process, realize the return of fraudulent funds, and protect the rights and interests of users.

In the system of the embodiment of the present application, as the information center, the network transaction platform is a set of message system that can collect, process, and judge the messages sent by users. The information processing strategy can be configured in the system, and the information processing strategy can be configured according to The judgment result obtained by the information processing strategy is output to the corresponding message receiver. Specifically, the information collection, processing, and decision-making center shown in FIG. 5, as well as the trading system, risk control system, core system, Safe_SP system, etc., are all part of the information center of the online trading platform.

According to the embodiment of the present application, the system for returning fraudulent funds provided by the present application includes three stages: fraud report, fund return, and management and control upgrade. Specifically, in the fraud reporting stage, after a fraudulent transaction occurs, the payment of the fraudulent transaction sends a reporting message to the risk control system, and the risk control system controls the reported payee. After that, in the fund return stage, the payee actively sends a request for the payment to the transaction system. Here, the information center decides whether to send a rebate consultation to the payer, and the rebate is completed only after the rebate consultation is sent and the operating information of the payer agrees to the rebate. In the case of completing the rebate, the risk control system contacts the restrictions on the payee. After that, update the risk rating of the payee's account.

Traditional scenarios involving fraudulent transactions are usually limited to the communication between a user of one party and the online transaction platform. The transmission of information mostly relies on the telephone service model of manual customer service, which has high labor costs and is not intelligent. The technical scheme for returning fraudulent funds proposed in the embodiments of the present application constructs a systematic, intelligent, and good user experience fraud fund return system based on the fraudster's willingness to return the funds.

In the 1990s, the improvement of a technology can be clearly distinguished between hardware improvements (for example, improvements in circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements in method flow). However, with the development of technology, the improvement of many methods and processes of today can be regarded as a direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by the hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (for example, a Field Programmable Gate Array (Field Programmable Gate Array, FPGA)) is such an integrated circuit whose logic function is determined by the user's programming of the device. It is programmed by the designer to "integrate" a digital system on a piece of PLD, without requiring chip manufacturers to design and manufacture dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly realized with "logic compiler" software, which is similar to the software compiler used in program development and writing, but before compilation The original code must also be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one type of HDL, but many types, 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), etc., currently most commonly used It is VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be clear to those skilled in the art that just a little bit of logic programming of the method flow in the above-mentioned hardware description languages and programming into an integrated circuit can easily obtain the hardware circuit that implements the logic method flow.

The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the memory control logic. Those skilled in the art also know that, in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded The same function can be realized in the form of a microcontroller, etc. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.

The systems, devices, modules, or units illustrated in the above embodiments may be specifically implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cell phone, 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 Any combination of these devices.

For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing this application, the functions of each unit can be implemented in the same or multiple software and/or hardware.

Those skilled in the art should understand that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, this application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, this application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

This application is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to embodiments of this application. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing equipment to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing equipment are generated It is a device that realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. The device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment. The instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

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

The memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.

Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cartridges, magnetic tape storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

This application may be described in the general context of computer-executable instructions executed by a computer, such as a program module. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. This application can also be practiced in distributed computing environments. In these distributed computing environments, tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.

The above descriptions are only examples of the present application, and are not used to limit the present application. For those skilled in the art, this application can have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this application shall be included in the scope of the claims of this application.

Claims

An online payment method, including:

Obtain a rebate request initiated by the first terminal with the first account logged in; the rebate request is used to request a rebate to the second account; the first account is determined to be fraudulent with the second account The payee account of the transaction;

Sending a first inquiry message for the rebate request to the second terminal logged in with the second account; the first inquiry message is used to inquire whether the user of the second account accepts the rebate;

Obtain the acceptance operation information sent by the second terminal; the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate;

Paying the money corresponding to the rebate request from the first account to the second account.
The method according to claim 1, before obtaining the rebate request initiated by the first terminal based on the first account, the method further comprises:

Obtain report information sent by the second terminal; the report information is used to indicate that the completed transaction between the first account and the second account is a fraudulent transaction, wherein the second account is the completed transaction The payer's account in the completed transaction;

Judging whether the fraudulent transaction is established, and obtaining the first judgment result;

When the first judgment result indicates that the fraudulent transaction is established, the transaction authority of the first account is limited to a locked state; in the locked state, the first account has the ability to pay to the second account , The transaction authority between the first account and other accounts is locked.
The method according to claim 2, after limiting the payment authority of the first account to the locked state, the method further comprises:

The risk control server sends account lock information to the first terminal; the account lock information is used to prompt that the transaction authority of the first account is limited to the locked state.
The method according to claim 1, after obtaining the rebate request initiated by the first terminal logged in with the first account, the method further comprises:

Acquiring the first identity information of the first user who initiated the rebate request;

Judging whether the first user is a registered user of the first account based on the first identity information, and obtaining a second judgment result;

The sending an inquiry message for the rebate request to the second terminal logged in with the second account specifically includes:

When the second judgment result indicates that the first user is a registered user of the first account, sending an inquiry message for the rebate request to the second terminal logged in with the second account.
The method according to claim 1, after obtaining the acceptance operation information sent by the second terminal, further comprising:

Acquiring the second identity information of the second user who inputs the operation acceptance information;

Judging whether the second user is a registered user of the second account based on the second identity information, and obtaining a third judgment result;

The payment of the money corresponding to the rebate request from the first account to the second account specifically includes:

When the third judgment result indicates that the second user is a registered user of the second account, the payment corresponding to the rebate request is paid from the first account to the second account.
The method according to claim 2, after the payment corresponding to the rebate request from the first account to the second account, the method further comprises:

Release the locked state for the first account.
8. The method of claim 1, after paying the money corresponding to the rebate request from the first account to the second account, the method further comprises:

The first account is added to the high-risk list database; the risk control level of the risk control system for the accounts in the high-risk list database is higher than the risk control level of the accounts not in the high-risk list database.
The method according to claim 2, after limiting the payment authority of the first account to the locked state, the method further comprises:

A second inquiry message is sent to the first terminal; the second inquiry message is used to ask the user of the first account whether to return the money corresponding to the fraudulent transaction.
8. The method according to claim 8, before sending the second inquiry message to the first terminal, further comprising:

Acquiring historical risk behavior data of the first account;

Based on the historical risk behavior data, judging whether the risk value of the first account is higher than the set risk value, and obtaining a fourth judgment result;

The sending the second inquiry message to the first terminal specifically includes:

When the fourth judgment result indicates that the risk value of the first account is lower than the set risk value, a second inquiry message is sent to the first terminal.
A network payment device includes:

The rebate request obtaining module is used to obtain the rebate request initiated by the first terminal logged into the first account; the rebate request is used to request a rebate to the second account; the first account is determined and The beneficiary account where fraudulent transactions exist between the second accounts;

The inquiry message sending module is configured to send a first inquiry message for the rebate request to a second terminal logged in the second account; the first inquiry message is used to inquire about the second account Whether the user accepts the rebate request;

The operation information obtaining module is configured to obtain operation acceptance information sent by the second terminal; the operation acceptance information is used to indicate that the user of the second account agrees to accept the rebate;

The payment module is configured to pay the money corresponding to the rebate request from the first account to the second account.
The device of claim 10, further comprising:

The reporting information obtaining module is configured to obtain the reporting information sent by the second terminal before obtaining the rebate request initiated by the first terminal based on the first account; the reporting information is used to indicate that the first account and the first account The completed transaction between the two accounts is a fraudulent transaction, wherein the second account is the payer account in the completed transaction;

The first judgment module is used to judge whether the fraudulent transaction is established, and obtain the first judgment result;

The locking module is used to limit the transaction authority of the first account to a locked state when the first judgment result indicates that the fraudulent transaction is established; in the locked state, the first account has The second account has the authority to make payments, and the transaction authority between the first account and other accounts is locked.
The device of claim 10, further comprising:

The first identity information obtaining module is configured to obtain the first identity information of the first user who initiated the rebate request after obtaining the rebate request initiated by the first terminal logged in with the first account;

The second judgment module is configured to judge whether the first user is a registered user of the first account based on the first identity information, and obtain a second judgment result;

The inquiry message sending module is used for:

When the second judgment result indicates that the first user is a registered user of the first account, sending an inquiry message for the rebate request to the second terminal logged in with the second account.
The device of claim 10, further comprising:

The second identity information obtaining module is configured to obtain the second identity information of the second user who inputs the operation acceptance information after obtaining the operation acceptance information sent by the second terminal;

The third judgment module is configured to judge whether the second user is a registered user of the second account based on the second identity information, and obtain a third judgment result;

The payment module is specifically used for:

When the third judgment result indicates that the second user is a registered user of the second account, the payment corresponding to the rebate request is paid from the first account to the second account.
The apparatus of claim 11, further comprising:

The unlocking module is used for releasing the locked state of the first account after paying the money corresponding to the rebate request from the first account to the second account.
A transaction server including:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the transaction server can:

Obtain a rebate request initiated by the first terminal with the first account logged in; the rebate request is used to request a rebate to the second account; the first account is determined to be fraudulent with the second account The payee account of the transaction;

Send a first inquiry message for the rebate request to the second terminal logged in the second account; the first inquiry message is used to inquire whether the user of the second account accepts the rebate request ；

Obtain the acceptance operation information sent by the second terminal; the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate;

Paying the money corresponding to the rebate request from the first account to the second account.
The transaction server of claim 15, wherein the instructions are executed by the at least one processor so that the transaction server can also:

After paying the money corresponding to the rebate request from the first account to the second account, send a rebate completion message to the risk control server.
A risk control server, including:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the risk control server can:

Obtain report information sent by the terminal with the second account logged in; the report information is used to indicate that the completed transaction between the second account and the first account is a fraudulent transaction, wherein the second account is the The payer's account in the completed transaction;

Judging whether the fraudulent transaction is established, and obtaining the first judgment result;

When the first judgment result indicates that the fraudulent transaction is established, the transaction authority of the first account is limited to a locked state; in the locked state, the first account has the ability to pay to the second account , The transaction authority between the first account and other accounts is locked.
The risk control server according to claim 17, wherein the instructions are executed by the at least one processor, so that the risk control server can also:

After obtaining the rebate completion message sent by the transaction server, the locked state of the first account is released.
A mobile terminal, including:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the mobile terminal can:

Acquire a rebate request initiated by the user based on the first account; the rebate request is used to request a rebate to the second account; the first account is a payment that is determined to have a fraudulent transaction with the second account Party account

Obtaining the identity information of the user;

Judging whether the user is a registered user of the first account based on the identity information, and obtaining a first judgment result;

When the first judgment result indicates that the user is a registered user of the first account, sending the rebate request to the transaction server.
A mobile terminal, including:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the mobile terminal can:

Acquiring an inquiry message sent by the transaction server; the inquiry message is used to inquire whether the user of the second account logged in on the mobile terminal accepts the rebate;

Displaying the first operation option; the first operation option is used to obtain the user's accepted operation;

Obtaining operation acceptance information input by the user based on the first operation option;

Obtaining the identity information of the user;

Judging whether the user is a registered user of the second account based on the identity information, and obtaining a first judgment result;

When the first judgment result indicates that the user is a registered user of the second account, the acceptance operation information is sent to the transaction server.
The mobile terminal of claim 20, wherein the instructions are executed by the at least one processor, so that the mobile terminal can also:

After obtaining the inquiry message sent by the transaction server, the second operation option is displayed; the second operation option is used to obtain the user's refusal operation;

Obtaining operation rejection information input by the user based on the second operation option;

Obtaining the identity information of the user;

Judging whether the user is a registered user of the second account based on the identity information, and obtaining a second judgment result;

When the second judgment result indicates that the user is a registered user of the second account, the operation rejection information is sent to the transaction server.
A network payment system, including:

Transaction server, risk control server;

The risk control server is used to obtain report information sent by a second terminal with a second account logged in; the report information is used to indicate that the completed transaction between the first account and the second account is a fraudulent transaction, where: The second account is the payer account in the completed transaction;

Judging whether the fraudulent transaction is established, and obtaining the first judgment result;

When the first judgment result indicates that the fraudulent transaction is established, the transaction authority of the first account is limited to a locked state; in the locked state, the first account has the ability to pay to the second account , The transaction authority between the first account and other accounts is locked;

The transaction server is used to obtain a refund request initiated by a first terminal logged in the first account; the refund request is used to request a refund to the second account;

Sending a first inquiry message for the rebate request to the second terminal; the first inquiry message is used to inquire whether the user of the second account accepts the rebate;

Obtain the acceptance operation information sent by the second terminal; the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate;

Paying the money corresponding to the rebate request from the first account to the second account;

Sending a rebate completion message to the risk control server;

The risk control server is further configured to release the locked state of the first account after obtaining the rebate completion message.