CN116681445A

CN116681445A - Payment processing method, device and system

Info

Publication number: CN116681445A
Application number: CN202310733098.0A
Authority: CN
Inventors: 马连杰; 葛菊萍; 李凯明
Original assignee: AlipayCom Co ltd
Current assignee: AlipayCom Co ltd
Priority date: 2020-08-31
Filing date: 2020-08-31
Publication date: 2023-09-01
Also published as: CN111915317B; CN111915317A

Abstract

The embodiment of the specification provides a payment processing method, device and system, and the method is applied to a wind control service side and comprises the following steps: receiving payment information sent by a payment service side, wherein the payment information is determined by the payment service side when a payment request initiated by a first user is received; determining whether to perform forced wind control on the payment request based on the payment information and forced wind control rules preset by a second user under the condition that the payment request is determined to be normal, so as to strengthen risk control on the payment request; under the condition that the forced wind control is carried out on the payment request, determining a forced wind control strategy for the payment request; and sending the forced wind control strategy to the payment service side, and processing the payment request by the payment service side based on the forced wind control strategy.

Description

Payment processing method, device and system

This document is a divisional application of patent application with application number "202010900291.5", application date "31/08/2020", and the name "a payment processing method, apparatus and system".

Technical Field

The present document relates to the field of internet technologies, and in particular, to a payment processing method, device, and system.

Background

Currently, in various payment scenarios, more and more users make payments using payment applications, for example, in payment scenarios such as online shopping, online transactions, etc., users can make payments using payment applications. The use of payment applications brings great convenience to people's daily life.

In general, in order to improve convenience, a user may allow other users (such as children or ancestors of the user) to pay using their own payment application, however, when other users pay using their payment application, abnormal payment or improper payment may occur, which brings great property loss to the user, and an effective solution for solving the above problem is still lacking.

Disclosure of Invention

The embodiment of the specification provides a payment processing method, device and system, which are used for solving the problem that abnormal or improper payment of other users cannot be effectively avoided under the condition that the other users use the payment application of the users to pay at present.

In order to solve the above technical problems, the embodiments of the present specification are implemented as follows:

In a first aspect, a payment processing method is provided, which is applied to a wind control service side, and includes:

receiving payment information sent by a payment service side, wherein the payment information is determined by the payment service side when a payment request initiated by a first user is received;

determining whether to perform forced wind control on the payment request based on the payment information and forced wind control rules preset by a second user under the condition that the payment request is determined to be normal, so as to strengthen risk control on the payment request;

under the condition that the forced wind control is carried out on the payment request, determining a forced wind control strategy for the payment request;

and sending the forced wind control strategy to the payment service side, and processing the payment request by the payment service side based on the forced wind control strategy.

In a second aspect, a payment processing apparatus is provided, which is applied to a wind control service side, and includes:

the receiving unit is used for receiving payment information sent by a payment service side, wherein the payment information is determined by the payment service side when a payment request initiated by a first user is received;

a judging unit that, in a case where it is determined that the payment request is normal, determines whether or not to perform forced air control on the payment request based on the payment information and a forced air control rule set in advance by a second user, so as to strengthen risk control on the payment request;

A determining unit that determines a forced air control policy for the payment request in a case where the forced air control is determined for the payment request;

and the sending unit is used for sending the forced air control strategy to the payment service side, and the payment service side processes the payment request based on the forced air control strategy.

In a third aspect, an electronic device is provided, applied to a wind control service side, and the electronic device includes:

a processor; and

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

In a fourth aspect, a computer readable storage medium is provided for application to a wind control server, the computer readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the method of:

In a fifth aspect, a payment processing method is provided, applied to a payment service party, including:

determining payment information corresponding to a payment request based on the payment request initiated by a first user;

the payment information is sent to an air control server, and the air control server determines whether to perform forced air control on the payment request or not based on the payment information and forced air control rules preset by a second user under the condition that the payment request is determined to be normal, so that risk control on the payment request is enhanced;

receiving a forced air control strategy returned by the air control service side, wherein the forced air control strategy is determined and obtained by the air control service side under the condition that the forced air control is determined to be carried out on the payment request;

and processing the payment request based on the forced air control strategy.

In a sixth aspect, a payment processing apparatus is provided, which is applied to a payment service party, and includes:

a determining unit for determining payment information corresponding to a payment request initiated by a first user based on the payment request;

a transmitting unit for transmitting the payment information to a wind control server, wherein the wind control server determines whether to perform forced wind control on the payment request or not based on the payment information and forced wind control rules preset by a second user under the condition that the payment request is determined to be normal, so as to strengthen risk control on the payment request;

The processing unit is used for receiving a forced air control strategy returned by the air control server, wherein the forced air control strategy is determined and obtained by the air control server under the condition that the forced air control is determined to be carried out on the payment request;

and the processing unit is used for processing the payment request based on the forced wind control strategy.

In a seventh aspect, an electronic device is provided, applied to a payment service party, the electronic device including:

a processor; and

And processing the payment request based on the forced air control strategy.

In an eighth aspect, a computer readable storage medium is provided for application to a payment service, the computer readable storage medium storing one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the method of:

and processing the payment request based on the forced air control strategy.

A ninth aspect provides a payment processing system, including a payment service party and a wind control service party, wherein:

The payment service side determines payment information corresponding to a payment request based on the payment request initiated by a first user; sending the payment information to the wind control server;

the wind control service side determines whether to perform forced wind control on the payment request or not based on the payment information and forced wind control rules preset by a second user under the condition that the payment request is determined to be normal, so as to strengthen risk control on the payment request; under the condition that the forced wind control is carried out on the payment request, determining a forced wind control strategy for the payment request; sending the forced air control means strategy to the payment service side;

and the payment service side processes the payment request based on the forced wind control strategy.

The above at least one technical solution adopted by one or more embodiments of the present disclosure can achieve the following technical effects: the user can preset a forced wind control rule according to actual demands, after other users initiate a payment request by using a payment application of the user, the payment service side can send corresponding payment information to the wind control service side, the wind control service side can judge whether to strengthen risk control on the payment request according to the forced wind control rule preset by the user, and under the condition that the risk control needs to be strengthened, a corresponding forced wind control strategy is determined and sent to the payment service side, so that the payment service side can process the payment request based on the forced wind control strategy. Therefore, when other users pay by using the payment application of the user, once the forced wind control rule preset by the user is met, abnormal or improper payment by other users can be avoided in a wind control strengthening mode, so that the payment safety is improved, and meanwhile, the convenience of the user for using the payment application of the user to other users is not reduced.

In addition, because the forced air control rule can be set by the user, namely the setting initiative is controlled by the user, the user can flexibly select to set or not set the forced air control rule according to actual demands, and the normal use of the payment application by the user is not influenced.

Drawings

In order to more clearly illustrate the embodiments of the present description or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some of the embodiments described in the embodiments of the present description, and that other drawings may be obtained according to these drawings without inventive effort to a person skilled in the art.

FIG. 1 is a schematic system architecture diagram provided by embodiments of the present description;

FIG. 2 is a flow diagram of a payment processing method according to one embodiment of the present disclosure;

FIG. 3 is a flow diagram of a payment processing method according to one embodiment of the present disclosure;

FIG. 4 is a flow diagram of a payment processing method according to one embodiment of the present disclosure;

FIG. 5 is a flow diagram of a payment processing method according to one embodiment of the present disclosure;

FIG. 6 is a schematic diagram of the structure of an electronic device according to one embodiment of the present disclosure;

FIG. 7 is a schematic diagram of the structure of a payment processing apparatus according to one embodiment of the present specification;

FIG. 8 is a schematic diagram of the structure of an electronic device according to one embodiment of the present disclosure;

FIG. 9 is a schematic diagram of the structure of a payment processing apparatus according to one embodiment of the present specification;

fig. 10 is a schematic diagram of the structure of a payment processing system according to an embodiment of the present specification.

Detailed Description

In order that those skilled in the art will better understand the technical solutions in the embodiments of the present specification, the technical solutions in the 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 apparent that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present disclosure.

Currently, in order to improve the use convenience of the payment application, the user typically allows other users to pay using their own payment application, for example, may allow their children, parents, friends and relatives to pay using their own payment application. However, when other users pay using the user's payment application, abnormal or improper payment may occur, for example, in a typical application scenario, an underage user uses the parent's payment application to play a game for recharging, enjoy a host or purchase a luxury, etc., and these abnormal or improper payment activities may cause significant property loss to the user himself, while also reducing the user's experience of sharing the payment application to other users.

In general, in order to avoid the above situation, after receiving a payment request from a user, a payment service side performs multiple identity verification on the user, that is, the user needs to input different identity verification information multiple times to perform identity verification, so as to ensure payment security. However, this method adds an authentication step, which makes the operation of the user complicated, and may disturb the user if the user does not need to perform multiple authentications (for example, the amount of money the user needs to pay is small), and also reduces the convenience of the user to share his payment application with other users.

In order to solve the above technical problems, embodiments of the present disclosure provide a payment processing method, device, and system, which may allow a user to preset a forced air control rule according to actual needs, and once the forced air control rule preset by the user is satisfied when other users use the payment application of the user to make a payment, the abnormal or improper payment by other users can be avoided by enhancing the air control manner, so as to further improve the payment security, and meanwhile, the convenience of the user for applying the self payment to other users is not reduced. In addition, because the forced air control rule can be set by the user, namely the setting initiative is controlled by the user, the user can flexibly select to set or not set the forced air control rule according to actual demands, and the normal use of the payment application by the user is not influenced.

It should be noted that, in addition to the above-described scenario that the user shares the payment application of the user to other users, the application scenario of the embodiment of the present disclosure may be used in other scenarios that require forced wind control on payment to prompt payment security, for example, after the payment account number and password of the user are stolen by an illegal user, when the illegal user uses the payment application of the user to pay, once the payment behavior of the illegal user satisfies the forced wind control rule set in advance, the illegal user may be prevented from making illegal payment by the forced wind control method, so as to further avoid property loss of the user.

One possible application scenario of the technical solution provided in the embodiment of the present disclosure is described below with reference to fig. 1.

As shown in fig. 1, a system architecture provided in an embodiment of the present disclosure includes: the terminal device 11, the payment service side 12 and the wind control service side 13 can be connected through a network to perform data interaction between the terminal device 11 and the payment service side 12, and can also be connected through the network between the payment service side 12 and the wind control service side 13 to perform data interaction.

The terminal device 11 may be a terminal device capable of installing a payment application, the payment service party 12 may be understood as a service party corresponding to the payment application, and the wind control service party 13 may be understood as a service party for risk control of the payment request. In this embodiment of the present disclosure, a user may initiate a payment request to the payment service side 12 by using a payment application installed in the terminal device 11, after receiving the payment request, the payment service side 12 sends payment information corresponding to the payment request to the wind control service side 13, and the wind control service side 13 may perform conventional wind control based on the payment information, and further determine whether to perform forced wind control on the payment request when determining that the payment request is normal under the conventional wind control condition, so as to avoid abnormal or improper payment by the user, thereby improving payment security.

The following describes in detail the technical solutions provided by the embodiments of the present specification with reference to the accompanying drawings.

Fig. 2 is a flow chart of a payment processing method according to an embodiment of the present disclosure, and the implementation subject of this embodiment is the wind control server 13 shown in fig. 1, and specifically includes the following steps.

S202: and receiving payment information sent by a payment service side, wherein the payment information is determined by the payment service side when a payment request initiated by a first user is received.

In S202, the second user may allow the first user to make a payment using his own payment application, and when the first user needs to make a payment in the process of using the payment application of the second user, the first user may initiate a payment request to the payment service party, and after receiving the payment request, the payment service party may determine payment information corresponding to the payment request and send the payment information to the wind control service party, where the wind control service party may receive the payment information.

It should be understood that, in one implementation manner, the first user may also be the second user, and in order to facilitate understanding of the technical solution provided in this embodiment, an explanation may be given by taking the first user as an example, which is not the second user.

In this embodiment, the payment information may include a plurality of pieces of information related to payment and device information of a terminal device used by the first user, where the plurality of pieces of information related to payment may include account information of a payment application used by the first user (i.e., account information of the second user), information related to a service scenario, an amount to be paid, payee information, and payment manner related to the payment request, and the device information of the terminal device used by the first user may include a device identifier of the terminal device, network information connected to the terminal device, geographic location information obtained by locating the terminal device, and so on.

After receiving the payment information, the wind control service side preferably performs conventional wind control on the payment request based on the payment information, where the conventional wind control may be understood as a general wind control performed on the payment request in the prior art, so as to determine whether the payment request is a normal payment request.

For example, whether the second user is a blacklist user may be determined based on account information included in the payment information, if yes, the payment request may be considered to be abnormal, and if no, the payment request may be considered to be normal; for another example, whether the terminal device used by the first user is a legal device may be determined based on the device information included in the payment information, if so, the payment request may be considered to be abnormal, and if not, the payment request may be considered to be normal.

It should be understood that in practical applications, the above-mentioned blacklist judgment and terminal device validity judgment may be combined to perform conventional wind control, or other judgment conditions may be used to perform conventional wind control, which is not illustrated herein.

After performing the conventional wind control, if it is determined that the payment request initiated by the first user is a normal payment request, the wind control server may execute S204, so as to further determine whether the payment request needs to be subjected to forced wind control; if the payment request initiated by the first user is determined to be an abnormal payment request, a prompt message of the abnormal payment request can be returned to the payment service side so that the payment service side can intercept the payment request, and a prompt message of failure payment is returned to the first user so as to ensure the payment safety. The present embodiment may be described by taking a payment request as a normal payment request as an example.

S204: in the case where it is determined that the payment request is normal, it is determined whether or not to perform forced air control on the payment request based on the payment information and forced air control rules set in advance by a second user, so as to strengthen risk control on the payment request.

In S204, the forced air control rule may be preset by the second user according to the actual requirement, and specifically may include a plurality of rules, where the plurality of rules may specifically be at least two of a specified service scenario, a specified amount of money, and a specified payment manner, that is, the second user may set, according to the actual requirement, at least two of the specified service scenario, the specified amount of money, and the specified payment manner that need to be subjected to forced air control, so as to obtain the forced air control rule.

The above specified service scenario may be understood as a service scenario in which the occurrence probability of abnormal payment or improper payment is greater than or equal to the set probability, for example, a game recharging scenario, a viewing anchor scenario, etc., where in this embodiment, the number of specified service scenarios may be one or multiple, and may be specifically determined according to the actual requirement of the user.

The specified amount may be a specified amount in all service scenarios, that is, in any service scenario, the specified amount in the specified service scenario may need to be forced and controlled once the payment amount reaches the specified amount, or alternatively, in case that the number of the specified service scenarios is multiple, different specified service scenarios may correspond to different specified amounts.

The specified payment method may be a payment method in any service scenario, that is, in any service scenario, if the payment method is a specified payment method, forced air control is required, and of course, the specified payment method may also be a payment method in a specified service scenario, that is, in a specified service scenario, if the payment method is a specified payment method, forced air control is required, and the specified payment method may also be a payment method in a specified amount, that is, in a case that the payment amount reaches a specified amount, if the payment method is a specified payment method, forced air control is required.

It should be appreciated that, in other implementations, the forced air control rule may include, in addition to at least two of the above specified service scenario, specified amount and specified payment manner, other rules, for example, the number of payments made in a day is greater than or equal to a set number of times, or the number of payments made in a day to the same account is greater than or equal to a set number of times, which may be specifically set according to actual requirements, and is not limited herein.

In this embodiment, after the forced air control rule is set, the second user may further set information for performing authentication under the condition of forced air control, for example, a payment password, biometric information of the second user, and the like, where the payment password is different from the payment password, and other users do not know the payment password, the biometric information may be face information, fingerprint information, and the like, and other users cannot obtain the biometric information of the second user. The second user can set different verification information according to different wind control grades, and the higher the wind control grade is, the more the corresponding verification information is.

After the forced wind control rule and the verification information are set by the second user, the forced wind control rule and the verification information can be sent to the payment service side and forwarded to the wind control service side by the payment service side, and the wind control service side can store the forced wind control rule and the verification information set by the second user so as to conduct forced wind control when a payment request initiated based on an account of the second user is received.

In this embodiment, in order to facilitate the setting of forced air control rules and verification information by the second user, the payment service party may provide a setting interface in the payment application, in which the second user may set the forced air control rules and verification information. For example, candidate boxes of the service scenario may be provided in the interface, and the second user may select the service scenario requiring forced wind control as the specified service scenario through these candidate boxes, and similarly, candidate boxes of the payment method and the payment amount may also be provided in the interface, and based on these candidate boxes, the second user may select the payment method and the payment amount requiring forced wind control as the specified payment method and the specified amount. In addition, an input box for payment password and biometric information may be provided in the interface for the second user to input the payment password and biometric information.

It should be noted that, in order to avoid other users from viewing or modifying the forced air control rule and verification information set in the interface by the second user, it may be provided that before the user enters the interface, the user needs to recognize face recognition or other biological characteristic information, and only if the recognition passes, the user is allowed to enter the interface, so that other users except the user can be prevented from entering the interface, and it is ensured that the forced air control rule and verification information set by the user cannot be viewed or modified by other users. In addition, after the second user sets the forced air control rule and the verification information, in the subsequent use process, the second user can also adjust the forced air control rule and the verification information set before according to actual requirements, or cancel the setting of the forced air control rule and the verification information.

In this embodiment, when determining whether forced wind control is required for the payment request based on the payment information and the forced wind control rules set in advance by the second user, the wind control server may specifically match the payment information with the forced wind control rules, if the matching is successful, that is, the payment information hits at least one rule of the forced wind control rules, it may be determined that forced wind control is performed for the payment request, and if the matching is failed, that is, the payment information does not hit any one or more rules of the forced wind control rules, it may be determined that forced wind control is not performed for the payment request.

In the case that it is determined that the forced wind control is performed on the payment request, S206 may be performed, in the case that it is determined that the forced wind control is not performed on the payment request, the payment request may be processed according to a conventional wind control means, specifically, the wind control service party may send prompt information for performing authentication based on the payment password to the payment service party, the payment service party may prompt the first user to input the payment password after receiving the prompt information, if the first user inputs the correct payment password, it may be determined that the authentication of the first user is passed, and the payment request is processed, and if the first user inputs the incorrect payment password, it may be determined that the authentication of the first user is not passed, and prompt information for failing in payment is returned.

S206: and under the condition that the forced wind control on the payment request is determined, determining a forced wind control strategy on the payment request.

In S206, in the case where the wind control service determines to perform forced wind control on the payment request, the wind control service may determine a forced wind control policy to perform forced wind control on the payment request based on the forced wind control policy.

When determining the forced air control strategy for the payment request, determining an air control level for performing forced air control on the payment request based on the payment information and the forced air control rule, and determining the forced air control strategy for the payment request based on the air control level after determining the air control level, wherein different air control levels can determine different forced air control strategies.

In this embodiment, as described above, the payment information may include a plurality of information related to payment, and the forced air control rule may include a plurality of rules, so that when determining the air control level based on the payment information and the forced air control rule, the air control level may be determined based on the matching degree of the payment information and the forced air control rule, where the higher the matching degree, the higher the air control level.

The above-mentioned matching degree can be understood as the number of rules hit by the payment information when matching a plurality of pieces of information in the payment information with a plurality of pieces of rules in the forced wind control rule, wherein the greater the number of rules hit by the payment information, the higher the matching degree, and correspondingly, the higher the wind control level.

In one implementation manner, the matching degree may be directly used as an air control level, for example, if the number of rules hit by the payment information is 1, the air control level may be determined to be low risk, if the number of rules hit by the payment information is greater than 1 and less than the total number of rules, the air control level may be determined to be high risk, and if the payment information all hits multiple rules in the forced air control rules, the air control level may be determined to be ultrahigh risk or risk exceeds standard.

In another implementation, the wind control level may be determined in combination with the above matching degree and the conventional wind control performed by the wind control service side in S202, specifically:

first, a forced air control score may be determined based on the above-described degree of matching.

In this embodiment, the higher the matching degree is, the higher the corresponding forced air control score is, and when the forced air control is determined based on the matching degree, there are various implementation manners, for example, the forced air control score may be added by 1 in each of the forced air control rules in each of the payment information, for example, the matching degree and the forced air control score may be mapped in advance, and after the matching degree is obtained, the corresponding forced air control score may be determined according to a predetermined mapping relationship, which is not illustrated one by one.

And secondly, acquiring a conventional wind control score corresponding to the payment request.

The conventional wind control score may be a wind control score obtained when the wind control server determines that the payment request is normal in S202 and the specific implementation manner may refer to a technical means adopted when the conventional wind control is performed on the payment request in the prior art, which is not described in detail herein.

Finally, in the case of obtaining the forced air control score and the regular air control score, an air control level of forced air control of the payment request may be determined based on the two air control scores.

When determining the wind control level based on the forced wind control division and the conventional wind control division, the sum of the two wind control divisions can be used as a final wind control division, so that the wind control level is determined, for example, score intervals corresponding to different wind control levels can be preset, and after the final wind control division is obtained, the wind control level can be determined based on the score interval in which the wind control wind sits.

In addition, when the wind control level is determined based on the forced wind control division and the conventional wind control division, a first weight corresponding to the forced wind control division and a second weight corresponding to the conventional wind control division can be set, the forced wind control division and the conventional wind control division are weighted and summed based on the first weight and the second weight, and a result obtained by the weighted and summed is used as a final wind control division, so that the corresponding wind control level is determined. The first weight and the second weight are constants and can be adjusted according to actual service conditions.

The wind control levels determined in this embodiment may include low risk, high risk and risk exceeding, and of course, the wind control levels may be divided into more levels, and three wind control levels including low risk, high risk and risk exceeding may be taken as an example for illustration.

In the case that the wind control level includes low risk, high risk and risk exceeding, determining a forced wind control policy for the payment request based on the wind control level may specifically include:

if the wind control level is low risk, it may be determined that the forced wind control policy is to perform identity verification based on a payment password and a payment password, where the payment password is preset by the second user and is different from the payment password, and specifically, reference may be made to the corresponding content recorded in S204, and the description is not repeated here;

if the wind control level is high risk, determining that the forced wind control policy is to perform identity verification based on the payment password, the payment password and the biological characteristic information of the second user;

if the wind control level is that the risk exceeds the standard, the forced wind control policy can be determined to return prompt information of payment failure, namely, response to the payment request is refused under the condition that the risk exceeds the standard.

After obtaining the forced air control policy, the air control service may execute S208.

S208: and sending the forced wind control strategy to the payment service side, and processing the payment request by the payment service side based on the forced wind control strategy.

In S208, after issuing the forced air control policy to the payment service party, the payment service party prompts the first user to input corresponding verification information to perform identity verification based on the forced air control policy, so as to process the payment request, and the specific implementation manner may refer to the steps executed by the payment service party in the embodiment shown in fig. 4, which will not be described in detail herein.

For easy understanding of the technical solution provided by the embodiment shown in fig. 2, reference may be made to fig. 3. Fig. 3 is a flow chart of a payment processing method according to an embodiment of the present disclosure, where an execution subject of the method is a branch wind control server shown in fig. 2, and the method specifically may include the following steps:

s301: and receiving payment information sent by the payment service side.

The payment information is determined by the payment service upon receipt of a first user initiated payment request, which may be a first user initiated payment request using a second user's payment application.

S302: and determining whether the payment request corresponding to the payment information is normal.

Here, the conventional wind control is performed on the payment request, and in the case of the conventional wind control, if it is determined that the payment request is normal, S303 is performed; otherwise, S310 is performed.

S303: it is determined whether the payment information matches the forced air control rule.

The forced wind control rule is preset by the second user, and if the payment information is matched with the forced wind control rule, S304 is executed; if not, S309 is performed.

S304: based on the payment information and the forced air control rules, a forced air control score is determined.

The forced air control score can be obtained based on payment information, the forced air control rule and the matching degree, and the higher the matching degree is, the higher the forced air control score is.

S305: and acquiring a conventional wind control score corresponding to the payment request.

The conventional wind control score is determined by a wind control server under the condition that the payment request is determined to be normal.

S306: based on the forced air control score and the conventional air control score, an air control level of forced air control of the payment request is determined.

The wind control level of the forced wind control on the payment request may be determined by combining the weights of the forced wind control point and the conventional wind control point, and the specific implementation manner may refer to the specific implementation of the corresponding steps in the embodiment shown in fig. 2, which is not described in detail herein.

It should be noted that S304 to S306 may be replaced by determining the wind control level of forced wind control for the payment request based on the matching degree of the payment information and the forced wind control rule.

S307: based on the wind control level, a forced wind control policy for the payment request is determined.

S308: and sending the forced wind control strategy to a payment service party.

After receiving the forced wind control strategy, the payment service side can prompt the first user to input corresponding verification information for identity verification based on the forced wind control strategy, and further process the payment request.

S309: and sending prompt information for authentication based on the payment password to the payment service side.

After receiving the prompt information, the payment service side can prompt the first user to input a payment password based on the prompt information, so as to process the payment request.

S310: and sending prompt information of abnormal payment request to the payment service side.

The payment service side receives the prompt information of the abnormal payment request and can return prompt information of the failure payment to the first user.

The specific implementation of S301 to S310 described above may refer to the specific implementation of each step in the embodiment shown in fig. 2, and will not be described in detail here.

Fig. 4 is a flow chart of a payment processing method according to an embodiment of the present disclosure. The implementation subject of this embodiment is the payment service party shown in fig. 1, and specifically includes the following steps.

S402: and determining payment information corresponding to the payment request based on the payment request initiated by the first user.

In S402, the first user may initiate a payment request to the payment service side using the payment application of the second user, and the payment service side may determine corresponding payment information based on the payment request in case of receiving the payment request.

In this embodiment, the payment information may include a plurality of pieces of information related to payment and device information of the terminal device used by the first user, and specific reference may be made to a detailed description of the payment information in the embodiment shown in fig. 2, and a description thereof will not be repeated here.

S404: and sending the payment information to an air control server, and under the condition that the air control server determines that the payment request is normal, determining whether to perform forced air control on the payment request or not based on the payment information and the forced air control rule preset by a second user so as to strengthen risk control on the payment request.

In S404, the payment service party may transmit payment information to the wind control service party so that the wind control service party wind controls the payment request.

In this embodiment, after receiving the payment information, the wind control service side may perform conventional wind control on the payment request based on the payment information, determine whether the payment request is a normal payment request, and if so, determine whether to perform forced wind control on the payment request further based on the payment information and a forced wind control rule set in advance by the second user. The specific implementation may refer to the specific implementation of the corresponding steps in the embodiment shown in fig. 2, and the description will not be repeated here.

The forced wind control rule can be sent to the payment service side by the second user after the second user is set, and the payment service side can send the forced wind control rule to the wind control service side so that the wind control service side can store the forced wind control rule. The specific implementation may refer to the specific implementation of the corresponding steps in the embodiment shown in fig. 2, and the description will not be repeated here.

Optionally, when the wind control service side performs conventional wind control, under the condition that the payment request is determined to be abnormal, prompt information of the abnormality of the payment request can be sent to the payment service side, and after receiving the prompt information, the payment service side can send prompt information of failure payment to the first user.

If the wind control service side determines that the payment request is normal based on the method described in the embodiment shown in fig. 2, if it is determined that forced wind control is required for the payment request, then a forced wind control policy for the payment request may be further determined, and the forced wind control policy is sent to the payment service side, where the payment service side may execute S406; if the wind control service side determines that forced wind control is not performed on the payment request, prompt information for prompting authentication based on the payment password can be returned to the payment service side, the payment service side can prompt the first user to input the payment password after receiving the prompt information, and after the authentication of the first user based on the payment password is passed, payment processing is performed on the payment request.

S406: and receiving a forced air control strategy returned by the air control service side, wherein the forced air control strategy is determined by the air control service side under the condition that the forced air control is determined to be carried out on the payment request.

In S406, in the case that the wind control server determines to perform forced wind control on the payment request, the payment server may receive a forced wind control policy returned by the wind control server.

In this embodiment, the forced air control policy may be determined by the air control service side based on the air control level of the forced air control, and preferably, the air control level may include low risk, high risk and risk exceeding, and specific reference may be made to the detailed description of the air control level in the embodiment shown in fig. 2, which is not repeated herein.

Under the condition that the wind control grades are different, the payment service side can receive different forced wind control strategies, specifically, if the wind control grade is low risk, the forced wind control strategies are based on a payment password and a preset payment password for forced wind control by a second user for identity verification, and the payment password is different from the payment password; if the wind control level is high risk, the forced wind control policy is to carry out identity verification based on the payment password, the payment password and the biological characteristic information of the second user; if the wind control level is that the risk exceeds the standard, the forced wind control strategy returns prompt information of payment failure. Reference may be made in particular to the detailed description of the forced air control strategy in the embodiment shown in fig. 2, which is not repeated here.

S408: and processing the payment request based on the forced air control strategy.

In S408, when the payment server processes the payment request based on the forced air control policy, different processing manners may be adopted for different forced air control policies.

Specifically, under the condition that the forced wind control policy performs identity verification based on the payment password and the payment password, the first user can be prompted to input the payment password and the payment password, if the first user inputs the correct payment password and the correct payment password, the first user can be determined to pass the identity verification, and at the moment, the payment request can be subjected to payment processing; otherwise, returning prompt information of payment failure.

Under the condition that the forced wind control strategy is used for carrying out identity verification based on the payment password, the payment password and the biological characteristic information of the second user, the first user can be prompted to input the payment password, the payment password and the biological characteristic information of the second user, if the first user inputs the correct payment password, the payment password and the biological characteristic information, the first user can be confirmed to pass the identity verification, and at the moment, the payment request can be paid; otherwise, returning prompt information of payment failure.

And under the condition that the forced wind control strategy returns prompt information of payment failure, the prompt information of payment failure can be sent to the first user.

It should be noted that, when the payment service side performs identity verification based on the verification information input by the first user, the verification information input by the first user may be sent to the wind control service side, the wind control service side performs identity verification based on the pre-stored verification information set by the second user, and returns the verification result to the payment service side, or when the wind control service side sends the forced wind control policy to the payment service side, the wind control service side sends the corresponding verification information to the payment service side, and the payment service side performs identity verification based on the verification information issued by the wind control service side, where both implementation manners may be specifically adopted, which may be determined according to the actual situation, and the implementation manner is not limited herein.

For a clearer understanding of the technical solution provided in the embodiments of the present disclosure, reference may be made to fig. 5. Fig. 5 is a flow chart of a payment processing method according to an embodiment of the present disclosure, which specifically includes the following steps:

s501: the first user initiates a payment request to a payment service.

The payment request may be a payment request initiated by the first user using a payment application of the second user.

S502: the payment service determines payment information based on the payment request.

S503: the payment service side sends the payment information to the wind control service side.

S504: and the wind control service side determines whether to conduct forced wind control on the payment request or not based on the payment information and forced wind control rules preset by the second user under the condition that the payment request is determined to be normal.

If it is determined that forced wind control is not required for the payment request, S505 may be executed; if it is determined that forced wind control of the payment request is required, S507 may be performed.

Optionally, in the case that the wind control service side determines that the payment request is abnormal, the wind control service side may also send a prompt message of the payment request abnormality to the payment service side, and after receiving the prompt message, the payment service side may send a prompt message of payment failure to the first user (this part of content is not shown in fig. 5).

S505: the wind control service transmits prompt information for carrying out identity verification based on the payment password to the payment service side.

S506: the payment service prompts the first user to enter a payment password.

After the first user inputs the payment password, the payment service side can perform identity verification on the first user based on the payment password, and if the verification is passed, the payment service side performs payment processing on the payment request, otherwise, a prompt message of payment failure is returned (this part of content is not shown in fig. 5).

S507: the wind control server determines a wind control level for performing forced wind control on the payment request based on the payment information and the forced wind control rule.

The specific implementation may refer to the specific implementation of the corresponding steps in the embodiment shown in fig. 2, and the description will not be repeated here.

S508: the wind control server determines a forced wind control policy for the payment request based on the wind control level.

The wind control level may include low risk, high risk and risk exceeding, and if the wind control level is low risk, the forced wind control policy is authenticated based on a payment password and a payment password for forced wind control preset by the second user; if the wind control level is high risk, the forced wind control policy is to carry out identity verification based on the payment password, the payment password and the biological characteristic information of the second user; if the wind control level is the risk exceeding standard, determining that the forced wind control policy is the prompt information of returning payment failure.

S509: the wind control service side sends the forced wind control strategy to the payment service side.

S510: the payment service side sends prompt information to the first user based on the forced air control strategy.

Specifically, in the case where the forced wind control policy is authentication based on a payment password and a payment password, the first user may be prompted to input the payment password and the payment password; under the condition that the forced wind control strategy is to carry out identity verification based on the payment password, the payment password and the biological characteristic information of the second user, the first user can be prompted to input the payment password, the payment password and the biological characteristic information of the second user; and under the condition that the forced wind control strategy returns prompt information of payment failure, the prompt information of payment failure can be sent to the first user.

S511: the first user sends verification information to the payment service party based on the prompt information.

The step is performed on the premise that the prompt information received by the first user prompts the first user to input verification information.

S512: the payment service side processes the payment request based on the authentication information input by the user.

The specific implementation of S501 to S512 described above may refer to the specific implementation of the corresponding steps in the embodiments shown in fig. 2 and fig. 4, and the description will not be repeated here.

In the technical solution provided in one or more embodiments of the present disclosure, a user may preset a forced air control rule according to an actual requirement, and after other users initiate a payment request by using a payment application of the user, a payment service party may send corresponding payment information to the air control service party, where the air control service party may determine whether to strengthen risk control on the payment request according to the forced air control rule preset by the user, and determine a corresponding forced air control policy and send the forced air control policy to the payment service party under the condition that it is determined that risk control needs to be strengthened, so that the payment service party may process the payment request based on the forced air control policy. Therefore, when other users pay by using the payment application of the user, once the forced wind control rule preset by the user is met, abnormal or improper payment by other users can be avoided in a wind control strengthening mode, so that the payment safety is improved, and meanwhile, the convenience of the user for using the payment application of the user to other users is not reduced.

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.

Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Referring to fig. 6, at the hardware level, the electronic device includes a processor, and optionally an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, network interface, and memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 6, but not only one bus or type of bus.

And the memory is used for storing programs. In particular, the program may include program code including computer-operating instructions. The memory may include memory and non-volatile storage and provide instructions and data to the processor.

The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs, and forms the payment processing device on a logic level. The processor is used for executing the programs stored in the memory and is specifically used for executing the following operations:

The method performed by the payment processing apparatus disclosed in the embodiment shown in fig. 6 of the present specification may be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of this specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in hardware, in a decoded processor, or in a combination of hardware and software modules in a decoded processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.

The electronic device may further execute the methods of fig. 2 and 3 and implement the functions of the payment processing apparatus in the embodiments shown in fig. 2 and 3, which are not described herein.

Of course, in addition to the software implementation, the electronic device of the embodiments of the present disclosure does not exclude other implementations, such as a logic device or a combination of software and hardware, that is, the execution subject of the following processing flow is not limited to each logic unit, but may also be hardware or a logic device.

The present description also proposes a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, enable the portable electronic device to perform the methods of the embodiments shown in fig. 2 and 3, and in particular to perform the operations of:

Fig. 7 is a schematic structural view of a payment processing apparatus 70 according to an embodiment of the present specification. Referring to fig. 7, in one software implementation, the payment processing apparatus 70 may include: a receiving unit 71, a judging unit 72, a determining unit 73, and a transmitting unit 74, wherein:

a receiving unit 71 for receiving payment information sent by a payment service party, wherein the payment information is determined by the payment service party when a payment request initiated by a first user is received;

a judging unit 72 that, in the case where it is determined that the payment request is normal, determines whether or not to perform forced air control on the payment request based on the payment information and forced air control rules set in advance by a second user, so as to strengthen risk control on the payment request;

a determination unit 73 that determines a forced air control policy for the payment request in the case where it is determined to perform forced air control on the payment request;

And a sending unit 74, configured to send the forced air control policy to the payment service party, and the payment service party processes the payment request based on the forced air control policy.

Optionally, the determining unit 72 determines whether to perform forced air control on the payment request based on the payment information and a forced air control rule set in advance by the second user, including:

matching the payment information with the forced wind control rule;

if the matching is successful, determining to perform forced wind control on the payment request;

if the matching fails, determining that forced wind control is not performed on the payment request.

Optionally, the determining unit 73 determines a forced wind control policy for the payment request, including:

determining a wind control level for performing forced wind control on the payment request based on the payment information and the forced wind control rule;

and determining a forced air control strategy for the payment request based on the air control grade, wherein different air control grades correspond to different forced air control strategies.

Optionally, the payment information comprises a plurality of information related to payment, and the forced wind control rule comprises a plurality of rules;

wherein the determining unit 73 determines, based on the payment information and the forced wind control rule, a wind control level of forced wind control on the payment request, including:

And determining the wind control level of forced wind control on the payment request based on the matching degree of the payment information and the forced wind control rule.

Optionally, the determining unit 73 determines, based on the payment information and the forced wind control rule, a wind control level of forced wind control on the payment request, and further includes:

determining a forced air control score based on the matching degree of the payment information and the forced air control rule;

acquiring a conventional wind control score corresponding to the payment request, wherein the conventional wind control score is determined by the wind control server under the condition that the payment request is determined to be normal;

and determining a wind control level of forced wind control on the payment request based on the forced wind control point and the conventional wind control point.

Optionally, the payment information includes a service scenario, an amount to be paid, payee information and a payment manner related to the payment request, and the forced wind control rule includes at least two of a specified service scenario, a specified amount and a specified payment manner.

Optionally, the wind control level includes low risk, high risk, and risk superscalar;

wherein the determining unit 73 determines a forced air control policy for the payment request based on the air control level, including:

If the wind control level is low risk, determining the forced wind control strategy to carry out identity verification based on a payment password and a payment password preset by the second user, wherein the payment password is different from the payment password;

if the wind control level is high risk, determining the forced wind control strategy to perform identity verification based on the payment password, the payment password and the biological characteristic information of the second user;

and if the wind control level is the risk exceeding standard, determining that the forced wind control policy is the prompt information of returning payment failure.

Optionally, the receiving unit 71 receives, before receiving the payment information sent by the payment service party, the forced wind control rule and verification information for performing authentication in the case of forced wind control sent by the payment service party, where the forced wind control rule and the verification are set by the second user in a payment application;

and storing the forced air control rule and the verification information.

Optionally, the payment information includes device information of a terminal device used by the user and account information of the user;

wherein, after the receiving unit 71 receives the payment information sent by the payment service side, the judging unit 72 judges whether the payment request is normal based on the device information and the account information;

If so, determining whether to perform forced wind control on the payment request based on the payment information and the forced wind control rule;

if so, sending prompt information of the abnormality of the payment request to the payment service side, and returning prompt information of failure payment by the payment service side.

Alternatively, in the case where the judging unit 72 determines that the forced wind control is not performed on the payment request, the transmitting unit 74 transmits prompt information for authentication based on a payment password to the payment service side, and the payment service side processes the payment request based on the prompt information.

The payment processing apparatus 70 provided in the embodiment of the present disclosure may further execute the methods of fig. 2 and 3 and implement the functions of the embodiments of the payment processing apparatus shown in fig. 2 and 3, and the embodiments of the present disclosure are not repeated herein.

Fig. 8 is a schematic structural view of an electronic device according to an embodiment of the present specification. Referring to fig. 8, at the hardware level, the electronic device includes a processor, and optionally an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory (non-volatile Memory), such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, network interface, and memory may be interconnected by an internal bus, which may be an ISA (Industry Standard Architecture ) bus, a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or EISA (Extended Industry Standard Architecture ) bus, among others. The buses may be classified as address buses, data buses, control buses, etc. For ease of illustration, only one bi-directional arrow is shown in FIG. 8, but not only one bus or type of bus.

and processing the payment request based on the forced air control strategy.

The method performed by the payment processing apparatus disclosed in the embodiment shown in fig. 8 of the present specification may be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or by instructions in the form of software. The processor may be a general-purpose processor, including a central processing unit (Central Processing Unit, CPU), a network processor (Network Processor, NP), etc.; but also digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of this specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in hardware, in a decoded processor, or in a combination of hardware and software modules in a decoded processor. The software modules may be located in a random access memory, flash memory, read only memory, programmable read only memory, or electrically erasable programmable memory, registers, etc. as well known in the art. The storage medium is located in a memory, and the processor reads the information in the memory and, in combination with its hardware, performs the steps of the above method.

The electronic device may also execute the method of fig. 4 and implement the functions of the payment processing apparatus in the embodiment shown in fig. 4, which is not described herein.

The present description also proposes a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, enable the portable electronic device to perform the method of the embodiment of fig. 4, and in particular to perform the operations of:

and processing the payment request based on the forced air control strategy.

Fig. 9 is a schematic structural view of a payment processing apparatus 90 according to an embodiment of the present specification. Referring to fig. 9, in a software implementation, the payment processing apparatus 90 may include: a determination unit 91, a transmission unit 92, a reception unit 93, and a processing unit 94, wherein:

a determining unit 91 that determines payment information corresponding to a payment request initiated by a first user based on the payment request;

a transmitting unit 92 that transmits the payment information to an air control server, and the air control server determines whether to perform forced air control on the payment request based on the payment information and forced air control rules set in advance by a second user to enhance risk control on the payment request, in a case where it is determined that the payment request is normal;

a receiving unit 93, configured to receive a forced air control policy returned by the air control server, where the forced air control policy is determined by the air control server under the condition that the forced air control is determined to be performed on the payment request;

And a processing unit 94 for processing the payment request based on the forced air control policy.

Optionally, the forced wind control strategy is obtained based on the wind control grade determination of forced wind control by the wind control service side, wherein the wind control grade comprises low risk, high risk and risk exceeding;

if the wind control level is low risk, the forced wind control strategy is to perform identity verification based on the payment password and a payment password preset by the second user, wherein the payment password is different from the payment password; if the wind control level is high risk, the forced wind control strategy performs identity verification based on the payment password, the payment password and the biological characteristic information of the second user; and if the wind control level is the risk exceeding standard, returning prompt information of payment failure by the forced wind control strategy.

Optionally, the processing unit 94 processes the payment request based on the forced wind control policy, including:

prompting the first user to input the payment password and the payment password under the condition that the forced air control strategy is authenticated based on the payment password and the payment password, and performing payment processing on the payment request after the authentication of the first user is passed;

Prompting the first user to input the payment password, the payment password and the biometric information of the second user under the condition that the forced air control policy is authenticated based on the payment password, the payment password and the biometric information of the second user; after the authentication of the first user is passed, carrying out payment processing on the payment request;

and sending prompt information of payment failure to the first user under the condition that the forced air control strategy is the prompt information of returned payment failure.

Alternatively, after the sending unit 92 sends the payment information to the wind control server, the receiving unit 93 receives a prompt message of abnormality of the payment request from the wind control server, the prompt message being sent by the wind control server in a case where it is determined that the payment request is abnormal;

the sending unit 92 sends a prompt message indicating that the payment has failed to the first user.

Optionally, the receiving unit 93 receives a prompt message from the wind control service party, where the prompt message is sent by the wind control service party under the condition that the wind control service party determines that the payment request is not forced to be wind controlled, and the prompt message is used for prompting authentication based on a payment password;

The processing unit 94 prompts the first user to input a payment password based on the prompt information; and after the authentication of the first user based on the payment password is passed, performing payment processing on the payment request.

Optionally, before the determining unit 91 determines, based on a payment request initiated by a first user, payment information corresponding to the payment request, the receiving unit 93 receives the forced wind control rule and verification information for identity verification in the case of forced wind control sent by the second user, where the forced wind control rule and the verification information are set by the second user in a payment application;

the transmitting unit 92 transmits the forced air control rule and the verification information to the air control server, and the forced air control rule and the verification information are stored by the air control server.

The payment processing apparatus 90 provided in the embodiment of the present disclosure may further execute the method of fig. 4 and implement the functions of the embodiment of the payment processing apparatus shown in fig. 4, which is not described herein again.

Fig. 10 is a schematic diagram of the structure of a payment processing system according to an embodiment of the present specification. The payment processing system 100 comprises a payment server 101 and a wind control server 102, wherein:

The payment service side 101 determines payment information corresponding to a payment request initiated by a first user based on the payment request; transmitting the payment information to the wind control server 102;

the wind control service side 102 determines whether to perform forced wind control on the payment request based on the payment information and forced wind control rules set in advance by a second user to strengthen risk control on the payment request, in the case that it is determined that the payment request is normal; under the condition that the forced wind control is carried out on the payment request, determining a forced wind control strategy for the payment request; transmitting the forced air control means policy to the payment service party 101;

the payment server 101 processes the payment request based on the forced air policy.

In this embodiment, the payment service side 101 may implement the functions implemented by the payment service side in the embodiments shown in fig. 2 to 5, and the wind control service side 102 may implement the functions implemented by the wind control service side in the embodiments shown in fig. 2 to 5, and specific reference may be made to specific implementation of the corresponding steps in the embodiments shown in fig. 2 to 5, which will not be repeated here.

In summary, the foregoing description is only a preferred embodiment of the present invention and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principles of one or more embodiments of the present disclosure should be included in the protection scope of this document.

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.

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.

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.

Claims

1. A payment processing method applied to a wind control server, the method comprising:

receiving verification information which is sent by a payment service side and used for carrying out identity verification under the condition of forced wind control, wherein the verification information is obtained by setting a second user in a payment application;

Storing the verification information;

receiving payment information sent by the payment service side, wherein the payment information is determined by the payment service side when a payment request initiated by a first user is received;

and sending the forced wind control strategy to the payment service side, and processing the payment request by the payment service side based on the forced wind control strategy, wherein the processing comprises prompting the first user to input verification information corresponding to the forced wind control strategy for identity verification or returning prompt information of payment failure to the first user.

2. The method of claim 1, in the event of receiving payment information sent by the payment service, the method further comprising:

judging whether the payment request is normal or not;

and under the condition that the payment request is determined to be normal, determining whether to perform forced wind control on the payment request based on the payment information and forced wind control rules so as to strengthen risk control on the payment request.

3. The method of claim 2, wherein the payment information includes device information of a terminal device used by the user and account information of the user;

Wherein determining whether the payment request is normal comprises:

and judging whether the payment request is normal or not based on the equipment information and the account information.

4. The method of claim 2, the method further comprising:

and under the condition that the payment request is determined to be abnormal, sending prompt information of the payment request abnormality to the payment service side, and returning prompt information of payment failure by the payment service side.

5. The method of claim 2, determining whether to force the payment request based on the payment information and a force wind control rule, comprising:

matching the payment information with the forced wind control rule;

6. The method of claim 1, determining a forced air policy for the payment request, comprising:

7. The method of claim 6, wherein the payment information includes a plurality of information related to payment, and the forced air control rule includes a plurality of rules;

wherein determining, based on the payment information and the forced wind control rule, a wind control level for forced wind control of the payment request includes:

8. The method of claim 7, determining a level of forced air control for the payment request based on the payment information and the forced air control rule, further comprising:

9. The method according to claim 7,

the payment information comprises a business scene, an amount to be paid, payee information and a payment mode related to the payment request, and the forced air control rule comprises at least two of a specified business scene, a specified amount and a specified payment mode.

10. The method of claim 6, the forced air control strategy comprising at least one of:

performing identity verification based on a payment password and a payment password preset by the second user;

performing identity verification based on the payment password, the payment password and biometric information of the second user;

and returning prompt information of payment failure.

11. The method of claim 10, the wind control level comprising low risk, high risk, and risk superscalar;

wherein determining a forced air control policy for the payment request based on the air control level comprises:

if the wind control level is low risk, determining the forced wind control strategy comprises carrying out identity verification based on a payment password and a payment password preset by the second user, wherein the payment password is different from the payment password;

if the wind control level is high risk, determining the forced wind control strategy comprises carrying out identity verification based on the payment password, the payment password and the biological characteristic information of the second user;

and if the wind control level is the risk exceeding standard, determining that the forced wind control strategy comprises returning prompt information of payment failure.

12. The method of any one of claims 2, 5, 6, 7, 8, and 9, the forced air control rule being set by the second user in the payment application; the method further comprises the steps of:

receiving the forced wind control rule sent by the payment service side;

and storing the forced wind control rule.

13. The method of claim 1, the method further comprising:

and under the condition that the forced wind control is not carried out on the payment request, sending prompt information for carrying out identity verification based on a payment password to the payment service side, and processing the payment request by the payment service side based on the prompt information.

14. A payment processing method applied to a payment service party, the method comprising:

receiving verification information which is sent by a second user and is used for carrying out identity verification under the condition of forced wind control, wherein the verification information is obtained by setting the second user in a payment application;

the verification information is sent to an air control server, and the air control server stores the verification information;

the payment information is sent to the wind control server, and the wind control server determines whether to perform forced wind control on the payment request or not so as to strengthen risk control on the payment request;

and processing the payment request based on the forced wind control strategy, wherein the processing comprises prompting the first user to input verification information corresponding to the forced wind control strategy for identity verification or returning prompt information of payment failure to the first user.

15. The method of claim 14, the forced air control strategy comprising at least one of:

and returning prompt information of payment failure.

16. The method of claim 14 or 15,

the forced wind control strategy is obtained by determining a wind control grade of forced wind control based on the wind control server, wherein the wind control grade comprises low risk, high risk and risk exceeding standard;

if the wind control level is low risk, the forced wind control strategy comprises the step of carrying out identity verification based on a payment password and a payment password preset by the second user, wherein the payment password is different from the payment password; if the wind control level is high risk, the forced wind control strategy comprises the step of carrying out identity verification based on the payment password, the payment password and the biological characteristic information of the second user; and if the wind control level is that the risk exceeds the standard, the forced wind control strategy comprises a prompt message for returning payment failure.

17. The method of claim 16, processing the payment request based on the forced air policy, comprising:

18. The method of claim 14, after sending the payment information to the wind control service, the method further comprising:

receiving prompt information of the abnormal payment request from the wind control server, wherein the prompt information is sent by the wind control server under the condition that the abnormal payment request is determined;

And sending prompt information of payment failure to the first user.

19. The method of claim 14, the method further comprising:

receiving prompt information from the wind control service side, wherein the prompt information is sent by the wind control service side under the condition that the forced wind control is not carried out on the payment request, and the prompt information is used for prompting the authentication based on a payment password;

prompting the first user to input a payment password based on the prompting information;

and after the authentication of the first user based on the payment password is passed, performing payment processing on the payment request.

20. The method of claim 14, the method further comprising:

receiving a forced wind control rule sent by the second user, wherein the forced wind control rule is set by the second user in the payment application;

and sending the forced wind control rule to the wind control server, and storing the forced wind control rule by the wind control server.

21. A payment processing apparatus for use with a wind-controlled service comprising:

the receiving unit is used for receiving verification information which is sent by the payment service side and used for carrying out identity verification under the condition of forced wind control, wherein the verification information is obtained by setting a second user in a payment application; storing the verification information; receiving payment information sent by the payment service side, wherein the payment information is determined by the payment service side when a payment request initiated by a first user is received;

the sending unit is used for sending the forced air control strategy to the payment service side, and the payment service side processes the payment request based on the forced air control strategy, wherein the processing comprises prompting the first user to input verification information corresponding to the forced air control strategy for identity verification or returning prompt information of payment failure to the first user.

22. An electronic device for use with a wind-controlled server, comprising:

a processor; and

storing the verification information;

23. A payment processing apparatus for use with a payment service comprising:

the receiving unit is used for receiving verification information which is sent by the second user and used for carrying out identity verification under the condition of forced wind control, wherein the verification information is obtained by setting the second user in a payment application;

the sending unit is used for sending the verification information to the wind control server and storing the verification information by the wind control server;

the sending unit is used for sending the payment information to the wind control server, and the wind control server determines whether to perform forced wind control on the payment request so as to strengthen risk control on the payment request;

The receiving unit is used for receiving a forced air control strategy returned by the air control server, wherein the forced air control strategy is determined and obtained by the air control server under the condition that the forced air control is determined to be carried out on the payment request;

the processing unit is used for processing the payment request based on the forced wind control strategy, and the processing comprises prompting the first user to input verification information corresponding to the forced wind control strategy for identity verification or returning prompt information of payment failure to the first user.

24. An electronic device for use with a payment service comprising:

a processor; and

25. A payment processing system comprising a payment service party and a wind control service party, wherein:

the payment service side receives verification information which is sent by a second user and used for carrying out identity verification under the condition of forced wind control, wherein the verification information is obtained by setting the second user in a payment application; transmitting the verification information to the wind control server;

the wind control server stores the verification information;

The wind control service side determines a forced wind control strategy for the payment request under the condition of determining to perform forced wind control on the payment request; transmitting the forced air control strategy to the payment server;

the payment service side processes the payment request based on the forced wind control strategy, and the processing comprises prompting the first user to input verification information corresponding to the forced wind control strategy for identity verification or returning prompt information of payment failure to the first user.