CN112184234A - Payment request processing method, device, equipment and storage medium - Google Patents
Payment request processing method, device, equipment and storage mediumDownload PDFInfo
- Publication number
- CN112184234A CN112184234ACN202010899611.XACN202010899611ACN112184234ACN 112184234 ACN112184234 ACN 112184234ACN 202010899611 ACN202010899611 ACN 202010899611ACN 112184234 ACN112184234 ACN 112184234A
- Authority
- CN
- China
- Prior art keywords
- user
- payment
- party
- information
- authority
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Computer Hardware Design (AREA)
- Software Systems (AREA)
- General Engineering & Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Technical Field
The present application relates to the field of information processing technologies, and in particular, to a payment request processing method, apparatus, device, and storage medium.
Background
The payment methods adopted at present include modes of account hanging, cash payment, online transfer payment and the like. The hanging account refers to a credit account and is generally divided into an enterprise credit account and a personal credit account. Wherein, the credit of enterprise means: the act of the principal user (the user performing the consuming act) not making a payment, but forwarding the order to a third party (i.e., the business) associated with the principal for payment. In the case of business credit, the third party may suspend the order and temporarily resume settlement at the time of settlement, e.g., the third party may make a consolidated payment for all orders suspended on the last day of a month. At present, a settlement method of an enterprise account credit is popular among a plurality of merchants such as catering enterprises, office supplies and the like.
In the related art, in order to ensure the security of the posting, and avoid causing loss to the merchant as the seller, the merchant generally requires the user who needs the third party to be credited to perform a handwritten signature on the bill, and determines the identity of the user who consumes at the time through the handwritten signature, so that the merchant can recover the debt to the related third party.
However, problems have also been encountered in the process of posting by hand-written signatures. For example, when a third party is required to settle accounts, some accounts need to check the true identities of corresponding users, and because the authenticity of handwritten signatures is difficult to distinguish, the true identities of users who consume at that time can be determined generally by professional handwriting identification, which wastes time and labor and has low accuracy, thereby causing the problems of low posting security and low efficiency.
Disclosure of Invention
In order to solve the above problems, the present application provides a payment request processing method, device, apparatus, and storage medium, aiming to improve the security and efficiency of posting.
In a first aspect of embodiments of the present application, a payment request processing method is provided, where the method includes:
receiving a third-party payment-withholding request aiming at an order to be paid and sent by a user terminal;
collecting identity characteristic information of a user of the user terminal;
verifying whether the user of the user terminal has a third-party payment authority or not according to the identity characteristic information;
and processing the third party payment request according to the verification result.
Optionally, verifying whether the user of the user terminal has a third party payment authority according to the identity characteristic information includes:
sending the identity characteristic information to a third-party platform, wherein the third-party platform stores the identity characteristic information of a plurality of users and third-party payment-substituting authorities configured for the users in advance;
and receiving a verification result returned by the third-party platform, wherein the verification result represents whether the third-party platform inquires a third-party payment-replacing authority pre-configured for the user corresponding to the identity characteristic information.
Optionally, the method further comprises:
reading and storing respective identity characteristic information of a plurality of users in a third-party platform and authority information which is configured for the plurality of users in advance;
verifying whether the user of the user terminal has the third party payment authority or not according to the identity characteristic information, comprising the following steps:
and inquiring whether the authority information pre-configured for the user corresponding to the identity characteristic information exists or not from the stored identity characteristic information of each of the plurality of users and the authority information pre-configured for the plurality of users respectively so as to verify whether the user of the user terminal has the third-party payment authority or not.
Optionally, processing the third-party payment withholding request according to the verification result includes:
sending a payment request to a third-party platform to pay the order to be paid through an account of the third-party platform under the condition that the verification result shows that the user of the user terminal has the third-party payment authority;
and outputting a payment failure prompt under the condition that the verification result shows that the user of the user terminal does not have the third-party payment substituting authority.
Optionally, in a case that the verification result indicates that the user of the user terminal has the third-party payment authorization, sending a payment request to a third-party platform includes:
determining additional authority information which is configured in advance for the user corresponding to the identity characteristic information under the condition that the verification result shows that the user of the user terminal has the third-party payment authority, wherein the additional authority information comprises at least one of the following information: single payment amount, total payment amount and payment type;
verifying whether the amount to be paid of the order to be paid conforms to the additional authority information;
and sending a payment request to the third-party platform under the condition that the amount to be paid of the order to be paid accords with the additional authority information.
Optionally, the collecting identity characteristic information of the user terminal includes:
starting information acquisition equipment to acquire identity characteristic information of a user of the user terminal, wherein the identity characteristic information comprises at least one of the following information: face feature information, iris feature information, fingerprint feature information, voiceprint feature information and work card feature information.
In a second aspect of the embodiments of the present invention, there is provided a payment request processing apparatus, including:
the request receiving module is used for receiving a third-party payment-replacing request aiming at the order to be paid and sent by the user terminal;
the information acquisition module is used for acquiring the identity characteristic information of the user terminal;
the verification module is used for verifying whether the user of the user terminal has the third-party payment authority or not according to the identity characteristic information;
and the processing module is used for processing the third party payment request according to the verification result.
In a third aspect of the embodiments of the present application, there is provided an electronic device, including a memory, a processor and a computer program stored on the memory and executable on the processor, where the processor, when executed, implements the payment request processing method according to the first aspect.
In a fourth aspect of the embodiments of the present application, there is provided a non-transitory computer-readable storage medium, wherein instructions of the storage medium, when executed by a processor, can perform the operations performed by the payment request processing method of any one of the first aspect.
In the embodiment of the application, a third party payment-instead request aiming at the order to be paid, which is sent by a user terminal, can be received when payment settlement is carried out; collecting the identity characteristic information of the user terminal; verifying whether the user of the user terminal has the third-party payment authority or not according to the identity characteristic information; and processing the third party payment request according to the verification result.
In this embodiment, when the user sends the third-party payment-for-delivery request, the identity characteristic information of the user needs to be collected and verified to determine whether the user has the third-party payment-for-delivery right. Therefore, the purpose of automatically verifying the real identity of the user when the payment is settled is achieved, and whether the third-party payment is allowed or not can be determined according to the result that whether the user has the third-party payment authority or not, for example, the user allowed to be checked can be checked, and the user not allowed to be checked can not be checked. Therefore, the safety and the efficiency of the merchant for posting are improved on the whole, and unnecessary loss of the seller and the buyer is avoided.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required to be used in the description of the embodiments or the related art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive labor.
Fig. 1 is a communication environment diagram illustrating a payment request processing method according to an embodiment of the present application;
FIG. 2 is a flow chart illustrating steps of a payment request processing method according to an embodiment of the present application;
FIG. 3 is a flow chart illustrating steps of another payment request processing method according to an embodiment of the present application;
FIG. 4 is a flowchart illustrating steps of another payment request processing method according to an embodiment of the present application;
fig. 5 is a schematic structural diagram of a payment request processing apparatus in an embodiment of the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some, but not all, embodiments of the present application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are capable of operation in sequences other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.
In the correlation technique, for improving the safety and efficiency of account hanging, the problem that the mode of avoiding the handwritten signature to carry out account hanging leads to low safety and low efficiency of account hanging is also provided with a verification mode of account hanging: the mobile phone number verification means that the identity of the user applying for posting is verified in a mobile phone number verification mode, but the mode has strong substitutability and insufficient rigor. If a lawbreaker steals the mobile phone number of the user in the third party, the posting can be performed, and therefore, the posting safety cannot be improved.
In view of the above, the applicant proposes the following technical idea: when a user initiates a third-party payment withholding request, identity characteristic information of the user is collected and verified to determine whether the user has the third-party payment authority, and then the third-party payment withholding request is correspondingly processed according to a verification result.
Referring to fig. 1, a communication environment to which the payment request processing method of the present embodiment is applied is shown. As shown in fig. 1, the system includes a user terminal 101 located at a merchant and a terminal device 102 located at a third party, wherein the third party may be an enterprise organization, such as a factory, a company, an enterprise and an institution. The merchant referred by the application can be a merchant who operates commodity sales or provides commodity service, such as a restaurant, a supermarket and the like. The user terminal 101 is configured with an information collecting device 1012, which is used to collect identity feature information of a user.
As shown in fig. 1, a settlement payment system 1011 is deployed in a user terminal 101 of a merchant, and a third party platform 1021 is deployed in a terminal device 102 of a third party. The settlement payment system 1011 and the third party platform 1021 may be in network communication for data interaction.
Among them, the settlement payment system 1011 may be, but is not limited to: the catering cashier system and the merchant cash register system are used for settling the generated order to be paid so as to settle the consumption behavior of the user, wherein the generated order to be paid can be input by a worker according to the actual consumption of the user. In practice, the settlement payment system 1011 can support a plurality of settlement methods, such as: cash settlement, transfer settlement and third-party account checking settlement.
The third-party platform 1021 stores user information of a plurality of users, where the user information may at least include identity feature information of the users and job information of the users, and may be used to compare the identity feature information. The job information may include information such as a department and a job title to which the user belongs, and the comparing and verifying of the identity feature information may refer to: the third party platform 1021 is matched with the settlement payment system, and compares the acquired identity characteristic information with the stored identity characteristic information of the plurality of users to obtain a verification result.
In this embodiment, when receiving a third-party payment-replacing request sent by a user and requiring third-party payment, the settlement payment system 1011 can implement safe and efficient account checking and settlement through data interaction with the third-party platform 1021.
Referring to fig. 2, a flowchart illustrating steps of a payment request processing method in an embodiment is shown, and as shown in fig. 2, the payment request processing method may specifically include the following steps:
step S201: and receiving a third-party payment withholding request for the order to be paid, which is sent by the user terminal.
In this embodiment, the user terminal 101 may be an intelligent device such as a tablet, a computer, or the like, the order to be paid may be an order corresponding to consumption generated by the user in the merchant, and in practice, the order to be paid may be sent by the user terminal 101 of the merchant. For example, if the user has performed a food and drink consumption at the merchant, the merchant may enter the generated order to be paid into the user terminal to enable the user to make a payment.
The third-party payment-instead request may be generated by the user terminal for a payment-instead manner selected by the user, where the third-party payment-instead request indicates that the user needs to pay the order to be paid by a third party. In specific implementation, the order to be paid may carry a plurality of payment methods for the user to select, for example, cash settlement, bank transfer settlement, third-party payment (i.e., posting), and the like.
Step S202: and acquiring the identity characteristic information of the user terminal.
In this embodiment, when it is detected that the user terminal 101 sends the third-party payment request, the suspended payment process may be started, and the identity characteristic information of the user terminal 101 is collected first. The user of the user terminal 101 may refer to a user who enters a merchant for consumption and needs to perform order settlement through the user terminal 101 of the merchant. The identity characteristic information may be used to characterize the true identity of the user and may include, but is not limited to, the following information: face feature information, iris feature information, fingerprint feature information, voiceprint feature information and work card feature information. The work card feature information may be information integrated on a card configured by a third party for the user, and the card is used to identify that the user is a user administered by the third party.
In specific implementation, the user terminal 101 may collect the identity information of the user and then upload the identity information to the settlement payment system 1011. When a merchant collects identity feature information of a user, in an optional example, a user terminal 101 of the merchant may start an information collection device 1012 configured by the merchant, the information collection device 1012 collects identity feature information of the user terminal, the image collection device 1012 may be externally connected to the user terminal 101 or may be internally installed in the user terminal 101, which is not limited in the embodiment of the present application.
In this case, since the user must go to the merchant for verification, the consumption authenticity of the user in the third party can be further ensured, and the remote generation verification of the user in the third party for other users who are not the third party is avoided, for example, the problem that the loss is caused for the third party due to the fact that the consumption of the user in the third party for own friends is remotely generated for verification is avoided, thereby further improving the posting safety.
It is understood that the information gathering device 1012 may vary with the identity information to be gathered. For example, when the identity characteristic information is the work card characteristic information, the information acquisition device may be an NFC-type card reader, when the identity characteristic information is the face characteristic information or the iris characteristic information, the information acquisition device may be a camera, and when the identity characteristic information is the fingerprint characteristic information, the information acquisition device may be a fingerprint acquisition device. Of course, in practice, the information collecting apparatus 1012 may be integrated with a variety of information collecting devices, for example, a camera, a fingerprint collecting device, and a card reader.
Of course, in practice, the identity characteristic information may not be limited to the above information, but may also be identity card information, and in this case, the information acquisition device may be an identity card reader. The user can put the own identity card into the information acquisition equipment so that the information acquisition equipment reads the integrated identity information in the identity card.
It can be understood that if the user of the user terminal sends a payment request that is not a third party, it is not necessary to collect the identity characteristic information of the user, and then the user enters a payment process of real-time settlement, so that the user can perform on-site settlement. For example, if the user selects bank transfer payment, the payment page may be displayed in the settlement payment system 1011 of the user terminal 101 to perform payment settlement in the payment page, or the payment two-dimensional code may be displayed in the settlement payment system 1011 of the user terminal 101, and the user may scan the two-dimensional code through a smart device carried by the user to enter the payment page to perform instant payment settlement.
Step S203: and verifying whether the user of the user terminal has the third-party payment authority or not according to the identity characteristic information.
In this embodiment, the identity characteristic information may be verified, and in specific implementation, the identity characteristic information may be compared with a plurality of identity characteristic information provided by a third party to determine whether the user has a third party payment authority, where the third party payment authority may be understood as: and the third party sets the permission for allowing the account to be hung for the user.
In this embodiment, the user of the user terminal refers to a user who goes to a store for consumption, that is, a user who needs to pay an order to be paid.
Step S204: and processing the third party payment request according to the verification result.
In this embodiment, the verification result may include a result that the user has the third-party payment authority, and a result that the user (i.e., the user who needs to pay the order to be paid) does not have the third-party payment authority, so that the third-party payment-instead request sent by the user terminal may be processed differently according to different obtained verification results. For example, if the verification result is that the user has the third party payment authority, the user is allowed to make a payment (i.e., a posting) with the third party. And if the verification result is that the user does not have the third-party payment authority, the user is not allowed to carry out the payment by surrogates by using the third party.
The technical scheme of the embodiment of the invention at least has the following advantages:
on one hand, when the user sends a third-party payment withholding request for the order to be paid, the merchant collects identity characteristic information capable of representing the real identity of the user, verifies the identity characteristic information to determine whether the user (the user needing to pay the order to be paid) of the user terminal has the third-party payment authority, and processes the third-party payment withholding request sent by the user according to the result that whether the user has the third-party payment authority. Therefore, when the user performs account posting, the real identity of the user is immediately verified, and the problems of low accuracy and low efficiency of subsequent identity verification during account posting through the handwritten signature are solved.
On the other hand, the identity characteristic information of the user is used for verification, and the identity characteristic information can represent the real identity of the user, so that compared with a handwritten signature, the method and the device can improve the accuracy of identity verification and avoid the risk of pretending consumption by lawless persons.
As shown in fig. 1, comparing and verifying the identity characteristic information may refer to: the third party platform 1021 and the settlement payment system 1011 cooperate with each other to compare the received identity characteristic information with the stored identity characteristic information of a plurality of users, and obtain a verification result.
Therefore, the third party platform 1021 and the settlement payment system 1011 of the user terminal 101 adopt different coordination modes, and the specific measures for verifying the identity of the user can also be different.
In an exemplary embodiment a, when verifying the third party payment authority, the settlement payment system 1011 may issue a verification request to the third party platform 1021 in real time to verify the third party payment authority in the third party platform 1021.
In yet another exemplary embodiment B, the settlement payment system 1011 located at the merchant may synchronize the user information stored in the third party platform 1021, and thus, upon verification of the third party payment authority, the settlement payment system 1011 may perform verification based on the user information synchronized with itself.
Next, exemplary embodiment a is explained.
Referring to fig. 3, a flowchart illustrating steps of a payment request processing method in this example is shown, and as shown in fig. 3, the payment request processing method may be applied to a settlement payment system 1011 of a merchant, and specifically may include the following steps:
step S301: and receiving a third-party payment withholding request for the order to be paid, which is sent by the user terminal.
In this embodiment, the process of step S301 may be similar to the process of step S201, and the related process may refer to the description of step S201, which is not described herein again.
Step S302: and acquiring the identity characteristic information of the user terminal.
In this embodiment, the process of step S302 may be similar to the process of step S202, and the related process is only described in step S202, and is not described herein again.
Step S303: and sending the identity characteristic information to a third-party platform 1021, wherein the third-party platform 1021 stores the identity characteristic information of each of the plurality of users and third-party payment-taking authority configured for each of the plurality of users in advance.
In this embodiment, the settlement payment system 1011 of the merchant may send the acquired identity feature information to the third party platform 1021, in this case, since the third party platform 1021 stores the user information of the user, and the user information may include the identity feature information of the user, the third party platform 1021 may compare the identity feature information sent by the settlement payment system 1011 with the identity feature information of each of the plurality of users pre-stored in the third party platform 1021, so as to obtain a comparison result.
In specific implementation, when the identity characteristic information is compared, a corresponding matching mode can be selected according to the type of the identity characteristic information for matching. For example, when the identity feature information is face feature information, fingerprint feature information, or iris feature information, the similarity between the two may be determined by using a corresponding similarity calculation method, so as to determine whether the two belong to the same user according to the similarity. The similarity calculation method may be a cosine similarity calculation method.
When the third-party platform 1021 determines that information which is consistent with the identity feature information sent by the settlement payment system 1011 exists in each identity feature information stored in the third-party platform 1021, it may be determined that the user who needs to pay the order to be paid belongs to a user in the third party. In this embodiment, since the third-party platform may configure a payment-for-delivery right for each user, when it is determined that the user (the user who needs to pay the order to be paid) of the user terminal 101 belongs to the third-party, the third-party platform 1021 may query the third-party payment-for-delivery right configured by the third party for the user.
When the third-party platform 1021 determines that there is no information in the identity feature information stored in itself, which is consistent with the identity feature information sent by the settlement payment system 1011, it may be determined that the user of the user terminal 101 (the user who needs to pay the order to be paid) does not belong to the user in the third party, and in this case, it is obvious that the user of the user terminal 101 cannot request the third party to pay the order to be paid, that is, does not have the third-party payment-replacement permission.
Step S304: and receiving a verification result returned by the third-party platform, wherein the verification result represents whether the third-party platform inquires a third-party payment-replacing authority pre-configured for the user corresponding to the identity characteristic information.
In practice, the third party platform 1021 may return the verification result to the settlement payment system 1011, regardless of whether the user of the user terminal 101 (the user who needs to pay the order to be paid) is a user belonging to a third party. The verification result can carry the inquired result of the third party payment authority pre-configured for the user of the user terminal by the third party. For example, "0" indicates that a user who does not inquire a user terminal (a user who needs to pay an order to be paid) is pre-configured with a third-party payment-substituting authority by a third party; "1" indicates that the user (the user who needs to pay the order to be paid) who inquires to the user terminal is pre-configured with the third party payment-on-behalf authority by the third party.
When it is found that the user of the user terminal 101 (the user who needs to pay the order to be paid) is pre-configured with the third-party payment authorization by the third party, the process may be performed by going to step S305; when the user (the user who needs to pay the order to be paid) who does not inquire the user terminal is configured with the third party payment authorization in advance by the third party, the process may be performed by going to step S306.
Step S305: and sending a payment request to a third-party platform under the condition that the verification result shows that the user of the user terminal has the third-party payment authority so as to pay the order to be paid through the account of the third-party platform.
In this embodiment, the settlement payment system 1011 of the merchant may send a payment request to the third party platform 1021, where the payment request may carry an order to be paid, and the order to be paid may include consumption details and a settlement amount.
In a specific example, the third party platform 1021 may store the to-be-paid order for the payment request, so as to facilitate payment of the to-be-paid order through its own account at a subsequent settlement time. In this case, the third party platform 1021 may feed back the account information to the settlement payment system 1011 after storing the to-be-paid order, and the settlement payment system 1011 may mark the to-be-paid order as the account information according to the fed-back account information, so as to represent that the to-be-paid order is an order waiting for the third party to pay. Of course, after the third party platform 1021 finishes the payment of the to-be-paid order at the settlement time, the information that the payment is finished can be fed back to the settlement payment system 1011, so that the settlement payment system 1011 can change the to-be-paid order marked as a posted order into a paid order according to the information that the payment is finished.
In another specific example, the third party platform 1021 may pay the order to be paid through its own account in real time for the payment request. In this case, the third party platform 1021 may feed back payment information to the settlement payment system 1011 of the user terminal 101 after the payment is completed, and the settlement payment system 1011 may mark the order to be paid as a paid order according to the fed back payment information, so as to represent that the order to be paid is paid by the third party.
In practice, the third party may include many users, but not every user may be billed, and the amount allowed to be billed may vary depending on the job position of the user. Therefore, the third party may also set an additional right information for each user, and the additional right information may be stored in association with the identity information of each user in the third party platform 1021.
Accordingly, in an optional example, in a case that the verification result indicates that the user of the user terminal, that is, the user who needs to pay the order to be paid, has a third-party payment authorization, additional authorization information preconfigured for the user corresponding to the identity feature information may be further determined, where the additional authorization information includes at least one of: single payment amount, total payment amount and payment type; verifying whether the amount to be paid of the order to be paid conforms to the additional authority information; and sending a payment request to the third-party platform under the condition that the amount to be paid of the order to be paid accords with the additional authority information.
In this optional example, the additional authority information is mainly used to restrict the range of the third-party payment for the user, including the amount of the single payment amount, the total payment amount, and the type of the payment for the third party. Wherein, the type to be paid may refer to: the type of goods consumed, e.g., catering type, office supplies type, household supplies type, etc. The single payment amount may refer to an upper limit of an amount for a single order, and the total payment amount may refer to an upper limit of a payment amount for a user. For example, if the total amount of payment of the user is 1 ten thousand, the user can only account for 1 ten thousand in one year.
In this alternative example, the purchase amount and the type of goods of the order to be paid may be carried in the order to be paid. The third party platform 1021 may compare the consumption amount and the commodity type in the to-be-paid order with the single payment amount and the payment type in the additional authority information, respectively, to determine whether the to-be-paid order conforms to the additional authority set by the third party for the user. Specifically, only when the consumption amount in the order to be paid is smaller than the single payment amount and the commodity type is consistent with the payment type, the user of the user terminal is determined to be in accordance with the additional authority information.
The third party platform 1021 may further compare the consumption amount and the commodity type in the to-be-paid order with the single payment amount, the payment type, and the total payment amount in the additional authority information, respectively, to determine whether the to-be-paid order conforms to the additional authority set by the third party for the user. Specifically, the third party platform 1021 may invoke the total historical consumption amount posted by the user within the historical time period, and thus, only when the consumption amount in the to-be-paid order is smaller than the single payment amount, the commodity type is consistent with the payment type, and the sum of the total historical consumption amount and the consumption amount in the to-be-paid order is smaller than the total payment amount, the user of the user terminal is determined, that is, the user who needs to pay the to-be-paid order conforms to the additional authority information.
When the technical scheme of the optional example is adopted, the third party can limit the range of the payment-for-replacement authority of the user, so that unnecessary economic loss to the third party or a merchant can be avoided.
In practice, when the user of the user terminal, that is, the user who needs to pay the order to be paid, conforms to the additional right information, the user representing the user terminal has the third-party payment-replacing right, and the settlement payment system 1011 can send a payment request to the third-party platform 1021, so that the third-party platform 1021 pays the order to be paid.
Step S306: and outputting a payment failure prompt under the condition that the verification result shows that the user of the user terminal does not have the third-party payment substituting authority.
In this embodiment, when the user of the user terminal, that is, the user who needs to pay the order to be paid does not have the third-party payment-for-use authority, the settlement payment system 1011 may output a payment failure prompt to prompt the staff that the order to be paid does not allow the third-party payment-for-use.
When the payment failure prompt is output, the user can jump to an instant payment page so as to pay the order to be paid instantly. The instant payment page can support a user to perform bank transfer payment, cash payment, two-dimensional code scanning payment and the like.
It should be noted that, when the user completes the payment, the settlement payment system 1011 may mark the order to be paid as a settled order according to the result of successful settlement.
Next, exemplary embodiment B will be explained.
Referring to fig. 4, a flowchart illustrating steps of a payment request processing method according to the embodiment is shown, and as shown in fig. 4, the payment request processing method may be applied to a settlement payment system 1011, and specifically may include the following steps:
step S401: and reading and storing the identity characteristic information of each of a plurality of users in the third-party platform and the authority information configured for the plurality of users respectively in advance.
In this embodiment, the settlement payment system 1011 may synchronize the identity information and the corresponding authority information of the multiple users stored on the third-party platform 1021 at regular time. The authority information can represent whether the corresponding user has the third-party payment authority. Of course, in practice, the third party platform 1021 may also synchronize the changed identity feature information of the user and the corresponding authority information with the settlement payment system 1011 when detecting that the identity feature information of the user of the third party platform is changed or the authority information is changed.
Step S402: and receiving a third-party payment withholding request for the order to be paid, which is sent by the user terminal.
In this embodiment, the process of step S402 may be similar to the process of step S201, and the related process is only described in step S201, and is not described herein again.
Step S403: and acquiring the identity characteristic information of the user terminal.
In this embodiment, the process of step S403 may be similar to the process of step S202, and the related process is only described in step S202, and is not described herein again.
Step S404: and inquiring whether the authority information which is pre-configured for the user corresponding to the identity characteristic information exists or not from the stored identity characteristic information of each user and the authority information which is pre-configured for the users respectively so as to verify whether the user of the user terminal, namely the user needing to pay the order to be paid has the third-party payment authority or not.
In this embodiment, the settlement payment system 1011 may directly obtain the identity characteristic information of the plurality of users and the corresponding authority information provided by the third party from the local, compare the collected identity characteristic information with the identity characteristic information of the plurality of users, and further obtain a verification result of whether the user at the user terminal has the third party payment authority according to the comparison result and the corresponding authority information.
In specific implementation, the settlement payment system 1011 may query whether identity characteristic information consistent with the collected identity characteristic information exists from a local storage of the user terminal 101, and if not, obtain a verification result that the user of the user terminal does not have the third-party payment authorization. And if the third party identity characteristic information exists, further acquiring authority information corresponding to the successfully matched identity characteristic information, and determining whether the user of the user terminal, namely the user needing to pay the order to be paid has the third party payment authority or not according to the authority setting in the authority information. For example, if the right setting representation user has the third-party payment-replacing right, the result that the verification is passed is obtained, and if the right setting representation user does not have the third-party payment-replacing right, the result that the verification is not passed is obtained.
Optionally, the authority information may also include additional authority information, and specifically, the description about the additional authority information may refer to the description about the relevant process in step S305, which is not described herein again. In this way, the settlement payment system 1011 can determine whether the amount to be paid and the type of the goods in the order to be paid are added with the authority information, if so, obtain the verification result that the user has the third-party payment-for-use authority, and if not, obtain the verification result that the user does not have the third-party payment-for-use authority.
Step S405: and processing the third party payment request according to the verification result.
In this embodiment, when the verification result is that it is determined that the user of the user terminal has the third-party payment-replacing right, the order to be paid is allowed to be subjected to third-party payment-replacing, so that a payment request can be sent to the third-party platform 1021, and the third-party platform 1021 can pay the order to be paid. The payment process of the third party platform 1021 on the order to be paid may refer to the related description in step S305, and is not described herein again.
Certainly, when the verification result is that the user of the user terminal, that is, the user needing to pay the order to be paid does not have the third-party payment authority, the user can pay immediately, that is, pay the order to be paid on site.
The technical scheme of the embodiment of the invention at least has the following advantages:
on one hand, when the user sends a third-party payment request for the order to be paid, the acquired identity characteristic information of the user is verified, so that the real identity information of the user can be quickly and accurately obtained, the problems that the verification process of the handwritten signature is complicated and accurate and low when the handwritten signature is used for posting are avoided, and the problem of impersonation consumption is also avoided.
On the other hand, when verifying whether the user has the third-party payment-replacing right, the verification of the additional right information is set, and the posting right of the user can be limited in a reasonable range through the additional right information, so that the posting verification is more strict, and the economic loss caused to merchants and third parties when the user performs third-party payment-replacing without control is avoided.
On the other hand, the verification of the identity characteristic information can be performed in the settlement payment system 1011 of the merchant and also can be performed in the third-party platform 1021, so that more flexible identity verification docking methods can be provided according to different verification requirements of the merchant and enterprises, the account-hanging consumption identity verification is more accurate, and the risk in consumption is reduced.
Based on the same inventive concept as the above-mentioned embodiment, referring to fig. 5, a block diagram of a payment request processing apparatus of this embodiment is shown, and the apparatus may specifically include the following modules:
arequest receiving module 501, configured to receive a third-party payment-withholding request for an order to be paid, sent by a user terminal;
aninformation collecting module 502, configured to collect identity characteristic information of a user of the user terminal;
theverification module 503 is configured to verify whether the user of the user terminal has a third-party payment authority according to the identity characteristic information;
and theprocessing module 504 is configured to process the third party surcharge request according to the verification result.
Optionally, theverification module 503 may include the following units:
the sending unit is used for sending the identity characteristic information to a third-party platform, and the third-party platform stores the identity characteristic information of a plurality of users and third-party payment-substituting authorities which are configured for the users in advance;
and the receiving unit is used for receiving a verification result returned by the third-party platform, and the verification result represents whether the third-party platform inquires a third-party payment alternative authority pre-configured for the user corresponding to the identity characteristic information.
Optionally, the apparatus may further include the following modules:
the reading module is used for reading and storing the identity characteristic information of each of a plurality of users in a third-party platform and third-party payment substituting authority which is configured for the plurality of users in advance;
theverification module 503 may be specifically configured to query whether there is authority information preconfigured for a user corresponding to the identity feature information from stored identity feature information of each of the plurality of users and authority information preconfigured for the plurality of users respectively.
In this optional example, according to the above method embodiment a, when the merchant requests the third party platform for verifying the third party payment authority of the user in real time, in this case, theverification module 503 may be located in the third party platform 1021. According to the method of exemplary embodiment B, the merchant may synchronize the user information in the third party platform 1022, in which case theverification module 503 may be located in the merchant's settlement payment system 1011.
Optionally, theprocessing module 504 may specifically include the following units:
the first processing unit is used for sending a payment request to a third-party platform under the condition that the verification result shows that the user of the user terminal has a third-party payment authority so as to pay the order to be paid through an account of the third-party platform;
and the second processing unit is used for outputting a payment failure prompt under the condition that the verification result shows that the user of the user terminal does not have the third-party payment substituting authority.
Still optionally, the first processing unit may specifically include the following sub-units:
a determining subunit, configured to determine, when the verification result indicates that the user of the user terminal has a third-party payment authorization, additional authorization information preconfigured for the user corresponding to the identity feature information, where the additional authorization information includes at least one of: single payment amount, total payment amount and payment type;
the verification subunit is used for verifying whether the amount to be paid of the order to be paid conforms to the additional authority information;
and the payment sending subunit is used for sending a payment request to the third-party platform under the condition that the amount to be paid of the order to be paid conforms to the additional authority information.
Optionally, theinformation collecting module 502 is specifically configured to start an information collecting device to collect identity feature information of a user of the user terminal, where the identity feature information includes at least one of the following: face feature information, iris feature information, fingerprint feature information, voiceprint feature information and work card feature information.
It should be noted that the device embodiments are similar to the method embodiments, so that the description is simple, and reference may be made to the method embodiments for relevant points.
The embodiment of the present application further provides an electronic device, which may be used to execute the video stream processing method and may include a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor is configured to execute the payment request processing method.
Embodiments of the present application also provide a non-transitory computer-readable storage medium, wherein instructions of the storage medium, when executed by a processor, enable the processor to perform operations performed to implement the payment request processing method described above.
The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
As will be appreciated by one of skill in the art, embodiments of the present application may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
Embodiments of the present application are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing terminal to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing terminal to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing terminal to cause a series of operational steps to be performed on the computer or other programmable terminal to produce a computer implemented process such that the instructions which execute on the computer or other programmable terminal provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present application have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including the preferred embodiment and all such alterations and modifications as fall within the true scope of the embodiments of the application.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal 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 terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.
The payment request processing method, the payment request processing apparatus, the payment request processing device, the payment request processing apparatus, and the storage medium provided by the present application are introduced in detail, and a specific example is applied in the present application to explain the principle and the implementation of the present application, and the description of the above embodiment is only used to help understanding the method and the core idea of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (9)
1. A payment request processing method, comprising:
receiving a third-party payment-withholding request aiming at an order to be paid and sent by a user terminal;
collecting identity characteristic information of a user of the user terminal;
verifying whether the user of the user terminal has a third-party payment authority or not according to the identity characteristic information;
and processing the third party payment request according to the verification result.
2. The method of claim 1, wherein verifying whether the user of the user terminal has third party payment authority according to the identity characteristic information comprises:
sending the identity characteristic information to a third-party platform, wherein the third-party platform stores the identity characteristic information of a plurality of users and third-party payment-substituting authorities configured for the users in advance;
and receiving a verification result returned by the third-party platform, wherein the verification result represents whether the third-party platform inquires a third-party payment-replacing authority pre-configured for the user corresponding to the identity characteristic information.
3. The method of claim 1, further comprising:
reading and storing respective identity characteristic information of a plurality of users in a third-party platform and authority information which is configured for the plurality of users in advance;
verifying whether the user of the user terminal has the third party payment authority or not according to the identity characteristic information, comprising the following steps:
and inquiring whether the authority information pre-configured for the user corresponding to the identity characteristic information exists or not from the stored identity characteristic information of each of the plurality of users and the authority information pre-configured for the plurality of users respectively so as to verify whether the user of the user terminal has the third-party payment authority or not.
4. The method of claim 1, wherein processing the third party payment withholding request based on the verification comprises:
sending a payment request to a third-party platform to pay the order to be paid through an account of the third-party platform under the condition that the verification result shows that the user of the user terminal has the third-party payment authority;
and outputting a payment failure prompt under the condition that the verification result shows that the user of the user terminal does not have the third-party payment substituting authority.
5. The method of claim 4, wherein in the case that the verification result indicates that the user of the user terminal has the third-party payment authority, sending a payment request to a third-party platform comprises:
determining additional authority information which is configured in advance for the user corresponding to the identity characteristic information under the condition that the verification result shows that the user of the user terminal has the third-party payment authority, wherein the additional authority information comprises at least one of the following information: single payment amount, total payment amount and payment type;
verifying whether the amount to be paid of the order to be paid conforms to the additional authority information;
and sending a payment request to the third-party platform under the condition that the amount to be paid of the order to be paid accords with the additional authority information.
6. The method according to any of claims 1-5, wherein collecting identity information of the user terminal comprises:
starting information acquisition equipment to acquire identity characteristic information of a user of the user terminal, wherein the identity characteristic information comprises at least one of the following information: face feature information, iris feature information, fingerprint feature information, voiceprint feature information and work card feature information.
7. A payment request processing apparatus, comprising:
the request receiving module is used for receiving a third-party payment-replacing request aiming at the order to be paid and sent by the user terminal;
the information acquisition module is used for acquiring the identity characteristic information of the user terminal;
the verification module is used for verifying whether the user of the user terminal has the third-party payment authority or not according to the identity characteristic information;
and the processing module is used for processing the third party payment request according to the verification result.
8. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing implementing a payment request processing method according to any one of claims 1-6.
9. A computer-readable storage medium storing a computer program for causing a processor to execute the payment request processing method according to any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010899611.XACN112184234A (en) | 2020-08-31 | 2020-08-31 | Payment request processing method, device, equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010899611.XACN112184234A (en) | 2020-08-31 | 2020-08-31 | Payment request processing method, device, equipment and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN112184234Atrue CN112184234A (en) | 2021-01-05 |
Family
ID=73924664
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010899611.XAPendingCN112184234A (en) | 2020-08-31 | 2020-08-31 | Payment request processing method, device, equipment and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN112184234A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113378041A (en)* | 2021-05-24 | 2021-09-10 | 北京京东振世信息技术有限公司 | Prompt message pushing method and device, electronic equipment and computer readable medium |
| CN113627924A (en)* | 2021-08-04 | 2021-11-09 | 蝴蝶供应链有限公司 | Transaction method, platform, system and storage medium based on account hanging protocol |
| CN114493595A (en)* | 2022-01-27 | 2022-05-13 | 远光软件股份有限公司 | Fund payment method, related device, storage medium and system based on Ukey |
| WO2025108025A1 (en)* | 2023-11-21 | 2025-05-30 | 支付宝(杭州)信息技术有限公司 | Third-party payment |
- 2020
- 2020-08-31CNCN202010899611.XApatent/CN112184234A/enactivePending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113378041A (en)* | 2021-05-24 | 2021-09-10 | 北京京东振世信息技术有限公司 | Prompt message pushing method and device, electronic equipment and computer readable medium |
| CN113378041B (en)* | 2021-05-24 | 2024-04-16 | 北京京东振世信息技术有限公司 | Prompt message pushing method, device, electronic equipment and computer readable medium |
| CN113627924A (en)* | 2021-08-04 | 2021-11-09 | 蝴蝶供应链有限公司 | Transaction method, platform, system and storage medium based on account hanging protocol |
| CN114493595A (en)* | 2022-01-27 | 2022-05-13 | 远光软件股份有限公司 | Fund payment method, related device, storage medium and system based on Ukey |
| WO2025108025A1 (en)* | 2023-11-21 | 2025-05-30 | 支付宝(杭州)信息技术有限公司 | Third-party payment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11410247B2 (en) | Automatic triggering of receipt delivery | |
| CN112184234A (en) | Payment request processing method, device, equipment and storage medium | |
| CN107103218B (en) | Service implementation method and device | |
| US20160048821A1 (en) | Simple in-store payments | |
| US9330382B2 (en) | Method to facilitate an in-store audit after issuance of an electronic receipt | |
| CN105930765A (en) | Payment method and device | |
| WO2009111562A2 (en) | Methods and systems for managing merchant identifiers | |
| GB2523355A (en) | System and method for recovering refundable taxes | |
| EP3273403A1 (en) | Automated identification of amounts in transactions for transaction records | |
| CN110189132A (en) | Face payment device, method, system and machine-readable storage medium | |
| US12430622B2 (en) | Cryptocurrency payment support apparatus, cryptocurrency payment support system, cryptocurrency payment support method, and non-transitory recording medium | |
| CN109559104A (en) | The method and device of payer identity is associated under a kind of payment environment | |
| KR20200008467A (en) | System and method for food expenses management using employee card | |
| JP2018190307A (en) | Reception system | |
| CN112884988A (en) | Self-service payment service terminal for electric charge | |
| CN113892122A (en) | System and method for pending transaction enhancement and automatic appending to settled transactions | |
| JP6694785B2 (en) | Mobile management system and mobile management method | |
| JP6903560B2 (en) | Information processing equipment and programs | |
| US20130159118A1 (en) | System and Method for Mobile Retail Transaction Processing | |
| US20210304303A1 (en) | System and Method for Efficient Allocation of Resources in a Financial Services Branch | |
| CN111260843B (en) | Implementation method of multifunctional integrated teller machine and teller machine | |
| CN111681010A (en) | A transaction verification method and device | |
| CN111445316A (en) | Self-service ticket buying system and method based on face recognition | |
| WO2020100748A1 (en) | Authentication server, user terminal, settlement system, settlement method, and recording medium | |
| US20210374752A1 (en) | Information processing system, server, and computer readable recording medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication | Application publication date:20210105 | |
| WD01 | Invention patent application deemed withdrawn after publication |