24results about How to "Improve payment experience" patented technology

The invention belongs to the technical field of payment protection, and discloses a remote payment security protection system. Comprising the steps of obtaining remote payment transaction data; preprocessing the remote payment transaction data; transaction feature data are obtained; clustering the transaction feature data based on a clustering algorithm to obtain n transaction clusters; searching an abnormal transaction cluster from the n transaction clusters by using a dragonfly algorithm; modeling the transaction characteristic data in the abnormal transaction cluster by adopting a Markov chain, and calculating to obtain the abnormal probability of the corresponding remote payment transaction data; presetting an abnormal threshold, and taking the remote payment transaction data of which the abnormal probability is greater than or equal to the abnormal threshold as a high-risk transaction; the security of remote payment is enhanced, the payment experience of the user is improved, and meanwhile, a large amount of manpower and financial cost is saved.

The invention provides a transaction method and device, electronic equipment, a storage medium, a program product and a payment architecture. The method comprises the steps of obtaining a payment code from a payment application server in response to a payment operation of a user; and generating a temporary bank card corresponding to the payment code according to the digital content of the payment code. And using the temporary bank card to carry out non-contact payment transaction with the card swiping terminal. According to the method provided by the invention, a user habitually using code scanning payment can use the payment code to complete card swiping payment in a payment scene only supporting card swiping payment, so that the payment efficiency is improved, and the payment experience of the user is improved. And the temporary bank card has timeliness, so that the risk of information leakage and unauthorized swiping is reduced, and the payment security is improved.

The embodiment of the utility model provides cashier equipment and a cashier assembly. A cashier device comprises a lower shell, an upper shell, an NFC module and a lamp panel. The upper shell and the lower shell are fixed and define the containing cavity, the NFC module is located in the containing cavity and used for being close to the electronic equipment to conduct electronic payment, and compared with code scanning and face scanning, the payment efficiency is improved, and the payment experience of consumers is improved. The NFC module comprises the first NFC module and the second NFC module which are sequentially arranged in the thickness direction of the cash register device, the signal strength can be improved, and the success rate of NFC payment is increased. The lamp panel is located between the first NFC module and the second NFC module, an indicator lamp is arranged on the lamp panel, the upper shell is provided with a light transmitting part for light emitted by the indicator lamp to transmit out, and the indicator lamp can provide light guide and can attract attention of consumers, prompt payment states and interact with users.

The present invention relates to a payment method applied to a biometric identification terminal, the method comprising: obtaining first biometric information of a user; receiving a user unique ID corresponding to the user, the user unique ID being dynamically changed; and after determining that the first biometric information is consistent with the biometric information corresponding to the user unique ID pre-stored on a payment server, sending a payment request to the payment server to complete the payment process. The present invention also relates to a biometric identification terminal, a user terminal, a payment server, a computer storage medium, and a payment method applied to the user terminal or the payment server.

The invention relates to a program process keep-alive method, a program process keep-alive device, a non-transitory computer readable storage medium and a computer program product. According to one aspect of the invention, the method for keeping the program process alive is provided, and is applied to commercial tenant side equipment to verify the legality of user side equipment. The method comprises the following steps: creating a first service process and a second service process corresponding to a service starting request in response to the service starting request of an application program from merchant equipment; monitoring a process recovery broadcast event, wherein the process recovery broadcast event is generated in response to resource recovery of the first service process or the second service process by an operating system; and in response to the monitored process recovery broadcast event, executing process keep-alive operation on the first service process and the second service process, so that the first service process and the second service process continuously run in the operating system.

The present invention relates to an identity verification method and terminal suitable for dual offline transactions, and belongs to the field of offline transaction security technology. The method of the present invention comprises the following steps: within the update cycle, the mobile terminal and the terminal synchronize the root keys within at least two previous and subsequent update cycles; the mobile terminal adds corresponding identification information to all root keys to generate corresponding groups of user keys; the mobile terminal generates identity authentication information with all user keys and the unique identification of the mobile terminal; after the terminal obtains the identity authentication information, based on its own root key information, the terminal uses the same algorithm as the mobile terminal to calculate the user key, and compares the several groups of user keys calculated by itself with the several groups of user keys in the identity authentication information. When at least one group is the same, the identity authentication is passed. The present invention prevents the problem of verification failure due to deviation in key update under the premise of ensuring the safety and reliability of identity authentication.

The invention relates to a vehicle-mounted electronic wallet payment method and device, equipment and a storage medium. The vehicle-mounted electronic wallet payment method comprises the steps that a payment request sent by a wallet application is received, current time is determined as transaction time, and the payment request comprises a digital certificate and transaction information of the wallet application; under the condition of determining that the digital certificate is valid, performing security processing on the trusted digital identity identifier, the transaction time and the transaction information allocated to the payment request to generate security information, and returning the security information to the wallet application; receiving a transaction signature verification request generated by payment confirmation operation initiated by a wallet background of the wallet application based on the wallet application; and performing signature verification processing on the security information to generate signature verification information, and returning the signature verification information to the wallet background, so that the wallet background completes payment based on the signature verification information. According to the method provided by the invention, the payment process is simplified, the payment experience of the user is improved, and the security of the whole transaction link and the non-repudiation of the transaction are ensured.

The invention relates to the technical field of payment management, and particularly discloses a face scanning payment management method and system, and the method comprises the steps: collecting humidity sensor data, light sensor data and a face image; inputting the data of the humidity sensor, the data of the light sensor and the face image into a pre-constructed oil-water detection model, and outputting an environment mark; marking at a corresponding position of the face image according to the environment mark to obtain an original image; performing image restoration according to the original image to obtain a clear portrait; building and extracting the clear portrait to obtain a complete feature point set; and inputting the complete feature point set and the database template into a pre-constructed payment permission judgment model to obtain a living body judgment value and a similarity score. According to the method, the recognition accuracy is ensured through intelligent repair methods such as an integrated sensing technology, an image processing algorithm and a deep learning model, and the problem of water-oil interference possibly encountered in a facial recognition payment system is solved.

The invention discloses a payment method, device, equipment, system and medium. The method is applied to a first electronic wallet platform, and comprises the following steps: when a residual resource value of a first payment account bound with a first electronic wallet is smaller than a demand resource value of a to-be-paid order, sending a first account acquisition request to a second electronic wallet platform; receiving a second payment account which is fed back by the second electronic wallet platform and has a binding relationship with the second electronic wallet; sending a second account acquisition request to a payment platform; receiving a third payment account which is fed back by the payment platform and whose residual resource value is not less than the demand resource value; and sending the to-be-paid order and the third payment account to a payment platform through a background system of the merchant, so that the payment platform pays the to-be-paid order by using residual resources in the third payment account. According to the embodiment of the invention, payment can still be completed when the residual resource value of the payment account bound with the electronic wallet is smaller than the required resource value.

The present invention belongs to the technical field of payment protection, and discloses a remote payment security protection system; the system comprises: obtaining remote payment transaction data; preprocessing the remote payment transaction data; obtaining transaction feature data; clustering the transaction feature data based on a clustering algorithm to obtain n transaction clusters; finding abnormal transaction clusters from the n transaction clusters using a dragonfly algorithm; using Markov chain modeling for the transaction feature data in the abnormal transaction cluster to calculate the abnormal probability of the corresponding remote payment transaction data; presetting an abnormal threshold, and treating the remote payment transaction data with an abnormal probability greater than or equal to the abnormal threshold as a high-risk transaction; the security of remote payment is enhanced, the payment experience of users is improved, and a large amount of manpower and financial costs are saved at the same time.

The invention provides an intelligent payment method and device based on an image recognition and positioning technology, and relates to the field of artificial intelligence technology and financial science and technology, and the method comprises the steps: obtaining environment image data and vehicle positioning information uploaded by a vehicle; determining first merchant information through image recognition according to the environment image data; determining second merchant information within a set distance range of a current positioning position according to the vehicle positioning information; matching the first commercial tenant information with the second commercial tenant information, and determining a commercial tenant currently corresponding to the vehicle; and according to a payment request initiated by a merchant currently corresponding to the vehicle, issuing a to-be-paid order corresponding to the payment request to an intelligent payment system of the vehicle, and processing the payment according to payment data submitted by the intelligent payment system.

The application discloses a payment processing method, device and equipment, and is applied to a payment device. The method comprises the following steps: collecting an ambient image; detecting whether a payment code is contained in the ambient image; if yes, controlling the cash register device to work in a code scanning payment mode, and promoting a payment process by scanning and analyzing the payment code; if not, detecting again whether a mobile phone or an IC card is contained in the ambient image, and obtaining a re-detection result; if the re-detection result reflects that the mobile phone is contained in the ambient image, controlling the cash register device to work in a near field communication tag mode, so as to promote the payment process by reading the cash register device by the mobile phone; and if the re-detection result reflects that the IC card is contained in the ambient image, controlling the cash register device to work in a near field communication card reader mode, so as to promote the payment process by reading the IC card by the cash register device.

The invention discloses a payment method and device, a medium, electronic equipment and a program product, belongs to the technical field of computers, and can reduce contract signing times of a payment protocol and enhance payment experience. The payment method comprises the following steps: receiving a payment request; determining a user group associated with the payment request, the user group being obtained by performing preset grouping on users requiring payment service; determining whether a user has signed a payment agreement in the associated user group, the payment agreement being a payment agreement that takes effect for all users in the user group; and if it is determined that a user in the associated user group has signed the payment protocol, providing a payment service based on the payment protocol.

The invention provides a cross-WeChat official account payment method, system, device and medium, and relates to the technical field of cross-platform payment, and the method comprises the steps: obtaining a payment request of a user in a first WeChat official account, the payment request comprising a second WeChat official account identifier; sending the payment request to a pre-established unified payment platform; payment result data fed back by the second WeChat official account is received, and the payment result data is generated after payment of the second WeChat official account is completed after a payment request is initiated to the second WeChat official account through the unified payment platform; and if the payment result data indicates successful payment, synchronizing the payment result data to the first WeChat official account through a payment voucher synchronization mechanism. According to the method, the unified payment platform is established, the payment result data of the second WeChat official account is synchronized to the first WeChat official account, the effect that a user completes payment among different WeChat official accounts is achieved, the process of cross-WeChat official account payment is simplified, and the payment experience of the user is improved.

The present application relates to the field of self-service settlement machine, especially to a kind of fast identification method and device for palm vein based on multi-level feature index, the method first extracts the palm vein feature of user palm vein image, then in response to the input of user search code, user search code and palm vein feature are input into the database based on multi-level index architecture to carry out hierarchical indexing, obtain index comparison image, then, user palm vein image and index comparison image are compared, and similarity is obtained, finally, whether the similarity is higher than threshold value is judged, if yes, it is determined that user identity authentication is passed.Compared with prior art, the image matching efficiency of the method of the present application is higher, and the indexing of user privacy information such as gender, age, telephone number is not involved throughout, which can better ensure the security of user privacy information.

This specification provides a method, apparatus, device, medium, and product for payment processing. The solution may include: obtaining a payment processing request; extracting key information from the payment processing request; the key information including payer information, payee information, and transaction amount information; determining, based on the key information and known transaction information, whether the payment processing request carries a risk of duplicate payment; the known transaction information including transaction information acquired within a preset time period prior to obtaining the payment processing request; and if a risk of duplicate payment exists, sending a payment reminder message to the payer's terminal to prompt whether to continue the transaction.

The invention discloses a system and a method for adaptively expanding a payment framework on an intelligent POS terminal, the function of the payment framework is divided into independent components, each component can independently and normally operate, and the components can cooperatively work when the components are combined together to form a payment framework with high flexibility and strong expansibility. Meanwhile, it is ensured that the system can be flexibly adjusted according to different product requirements and application scenes through configuration management and a dynamic loading mechanism, an optimal payment solution is provided, the development and maintenance cost can be reduced, the system stability is improved, the intelligent POS terminal can quickly respond to the market, and the market competitiveness is improved. And better payment experience is provided for merchants and users.

The embodiment of the specification discloses a payment service auxiliary processing method, device and equipment, and is applied to a near-field cash register device. The method comprises the following steps: performing near-field sensing detection on a user based on sensor data; if it is detected that a user enters a near-field range of the near-field cash register device, obtaining a shop circle selection result provided by a server of the near-field cash register device; and judging whether to enable an auxiliary recommendation model according to whether a shop to which the near-field cash register device belongs is included in the shop circle selection result, wherein the auxiliary recommendation model is trained by the server of the near-field cash register device according to operation data provided by multiple shops and is delivered to the near-field cash register device; if yes, before the user completes payment, the auxiliary recommendation model is used to generate corresponding service auxiliary information for the user and recommend the service auxiliary information to the user.

The invention provides a transaction method and system, a mobile terminal is provided with an SIM card hard wallet with a payment function, and the transaction method comprises the steps that the SIM card hard wallet receives a transaction instruction issued by a communication management platform, processes the transaction instruction based on instruction data in the transaction instruction, and generates a transaction instruction processing result; the transaction instruction is generated based on payee information obtained by the mobile terminal from an electronic tag and payer information and transaction information input by a user through the mobile terminal; and the SIM card hard wallet sends the transaction instruction processing result to the communication management platform, so that the communication management platform initiates a payment request based on the transaction instruction processing result. Through the scheme, the transaction convenience can be further improved, and the transaction flexibility is improved while the transaction security is ensured.

The invention relates to the technical field of financial payment, and discloses a mobile payment trusted data processing method and system based on a block chain, and the method comprises the steps: calling first historical POS transaction data from a first block chain according to a current payment request; acquiring first historical abnormal POS transaction data about the target bank card from the first historical POS transaction data by using a pre-configured first isolated forest model; calculating a first editing distance between the current POS transaction data and the first abnormal POS transaction data, and executing a first round of credibility judgment on the current POS transaction data according to the size of the first editing distance; executing a transaction processing operation on the current payment request according to the credible data or the fraud data; according to the invention, the security and transaction credibility of the payment system are effectively improved while the transaction convenience is guaranteed.

The invention discloses a merchant cryptocurrency offline aggregation code acquisition method and device and a medium, and relates to the field of mobile payment, and the method comprises the steps: an acquisition platform generates an aggregation code integrating legal currency and a cryptocurrency payment channel for a merchant; when the consumer selects cryptocurrency payment, converting the legal currency amount into the quantity of cryptocurrency based on the real-time exchange rate, and creating a payment order; dynamically generating a unique temporary block chain wallet address for the order and associating the address with the order; payment information containing the address and the number is returned to the consumer client; the consumer transfers an account to the temporary address through the Web3 wallet; and the order receiving platform monitors the change of the balance on the chain of the address, and when the balance is detected to be greater than or equal to the order number, payment success is automatically judged and the order state is updated. According to the invention, the payment entrance is unified through the aggregation code, and the dynamic temporary address and the automatic chain monitoring are utilized, so that the problems of complex merchant multi-address management, high consumer operation risk and low manual verification efficiency are solved, and the payment security and the user experience are improved.

The invention provides a payment method and device, electronic equipment and a storage medium, and relates to the technical field of data processing. The payment method comprises the following steps: receiving a payment request of a client, and determining text content of a corresponding payment item according to the payment request; splitting the text content to obtain text segments, and determining target text types included in the text segments; grouping characters in the text segment based on the target text type to obtain character groups, and obtaining a vector set corresponding to the text segment based on the character groups included in the text segment; comparing the vector sets corresponding to the text segments to determine relative priorities among the vector sets, and determining an arrangement sequence of the text segments according to the relative priorities; and sorting the text segments based on the arrangement order of the text segments to obtain the target text, sending the target text to the client and displaying the target text to complete payment of the corresponding payment item, thereby improving the payment experience of the client.

The utility model discloses an angle adjusting mechanism of a financial payment terminal, which comprises a base and the financial payment terminal, the interior of the base is hollow, the top of the base is fixedly provided with a U-shaped fixing seat, the interior of the lower end of the fixing seat is hollow, the bottom of the interior of the base is fixedly provided with a control module, and the control module is connected with the base. The financial payment terminal comprises a base, two control buttons are fixedly installed on one side of the top of the base, the two control buttons are electrically connected with a control module, an angle adjusting mechanism is installed in the base, and a financial payment terminal is fixedly installed on the angle adjusting mechanism. According to the financial payment terminal, the panel of the financial payment terminal can quickly face the face of a user, the user can quickly and successfully pay, the payment experience of the user is improved, looseness is avoided when the financial payment terminal is used by adopting the electric mechanical adjusting mechanism, and the stability of the financial payment terminal is improved when the financial payment terminal is used.

The invention provides a bill processing method, a bill processing device and a server, which can be used in the financial field. When it is determined that the preset triggering condition is met currently, historical reminding data of the current bill query period of the target user is obtained; determining target bill query time in the current bill query period according to historical reminding data of the current bill query period of the target user and bill query time corresponding to a historical bill query period; detecting whether a target bill exists based on the target bill query time; and sending a target payment prompt to the target user under the condition of determining that the target bill exists. Therefore, the target bill query time of the current account checking period can be quickly and accurately determined according to the historical reminding data, and the reminding message carrying the payment link can be sent to the user for the unpaid bill, so that the user can directly pay the unpaid bill through the reminding message, the operation of the user is simplified, and the user experience is improved. And the payment experience of the user is improved.