Order payment method and apparatus

An order and payment server technology, applied in the Internet field, can solve problems such as potential safety hazards, disrupting financial markets, and personal property losses, and achieve the effects of protecting security, reducing financial transaction risks, and improving security

Inactive Publication Date: 2016-12-07
BEIJING XIAOMI PAYMENT TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] It can be seen that when making payment, the third-party payment server only needs to obtain several identity account information such as bank card information and identity information, which is convenient but also has c...

Method used

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  • Order payment method and apparatus
  • Order payment method and apparatus

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0177] Embodiment 1. In this embodiment, the physical identity information is bank card image information, and the generation environment information is the IP address of the generation terminal.

[0178] Figure 5 It is a flowchart of an order payment method shown according to an exemplary embodiment 1, such as Figure 5 As shown, the following steps S501-S510 are included:

[0179] In step S501, the identity account information of the paying user who pays for the order is acquired.

[0180] Here, as figure 2 ,or figure 2 and image 3 As shown in , the identity account information of the paying user is obtained through the dialog box displayed on the UI of the terminal.

[0181] In step S502, the IP address of the generating terminal corresponding to the order is acquired.

[0182] In step S503, according to the obtained IP address of the generating terminal, it is judged whether the order is a risk order? If yes, execute step S504, otherwise, execute step S507.

[...

Embodiment 2

[0202] Embodiment 2. In this embodiment, the physical identity information is user avatar information.

[0203] Figure 10 It is a flow chart of an order payment method shown according to an exemplary embodiment 2, such as Figure 10 As shown, the following steps S1001-S1007 are included:

[0204] In step S1001, the identity account information of the paying user who pays for the order is acquired.

[0205] In step S1002, it is determined whether the verification of the payment password and verification code is passed? If yes, execute step S1003, otherwise, execute step S1007.

[0206] In step S1003, the user's current avatar information of the paying user is acquired.

[0207] Similarly, the user's current avatar information can be obtained through a dialog box on the terminal UI.

[0208] Figure 11 It is a schematic diagram of a dialog box for obtaining avatar information displayed on a terminal user interface according to a second exemplary embodiment. Such as Fig...

Embodiment 3

[0261] Embodiment three, Figure 15 is a block diagram of an order payment device according to a third exemplary embodiment, such as Figure 15 As shown, the device includes: a first acquisition module 1310 , a second acquisition module 1320 , and an identification module 1330 , and also includes: a startup module 1340 and a call module 1350 .

[0262] In this embodiment, the physical identity information is bank card image information, and the generation environment information is the IP address of the generation terminal.

[0263] The first acquiring module 1310 acquires the identity account information of the paying user who pays for the order.

[0264] The startup module 1340 obtains the IP address of the generation terminal corresponding to the order, and when the generation terminal IP information is not the preset IP information corresponding to the payment user, after the first determination submodule 1341 in the startup module 1340 confirms that the order is a risk o...

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Abstract

The invention discloses an order payment method and apparatus. The method comprises the following steps: obtaining identity account information of payment users paying orders; obtaining current physical identity information of the payment users; and when it is confirmed that the current physical identity information satisfies set requirements according to the identity account information, paying the orders. In the technical scheme, authentication on the physical identity information is added in a payment process, such that the security of accounts and payment cards of the payment users is further protected, the network payment security is improved, the probability that the accounts of the users are stolen is also further reduced, and financial transaction risks are reduced.

Description

technical field [0001] The present disclosure relates to the field of Internet technology, and in particular to a method and device for order payment. Background technique [0002] With the rapid development of the mobile Internet, mobile payment is also in full swing, and many banks and third-party payment institutions have provided users with a convenient payment experience. Such as quick payment, the user only needs to provide four elements such as bank card information and identity information, and verify the SMS verification code, and then authorize the third-party payment company to deduct money from the corresponding bank card for payment. [0003] It can be seen that when making payment, the third-party payment server only needs to obtain several identity account information such as bank card information and identity information, which is convenient but also has certain security risks. Once, criminals can obtain the money in the bank card corresponding to the user b...

Claims

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Application Information

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IPC IPC(8): G06Q20/40
CPCG06Q20/4014
Inventor 秦韬尚敏马希运
Owner BEIJING XIAOMI PAYMENT TECH CO LTD
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