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A network payment method, device, equipment and system

A network payment and account technology, applied in the computer field, can solve the problem of inability to repay the funds of defrauded users, and achieve the effect of improving the efficiency of rebates and protecting rights and interests.

Active Publication Date: 2021-05-25
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, for the defrauded user, the network payment method in the prior art still cannot repay the funds paid by the defrauded user in the fraudulent transaction

Method used

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  • A network payment method, device, equipment and system
  • A network payment method, device, equipment and system
  • A network payment method, device, equipment and system

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Embodiment Construction

[0047]In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in conjunction with specific embodiments of the present application and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0048] The technical solutions provided by various embodiments of the present application will be described in detail below in conjunction with the accompanying drawings.

[0049] figure 1 It is a schematic flowchart of an online payment method provided by the embodiment of this specification. From a program point of view, the subject of execution of...

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PUM

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Abstract

The embodiment of this specification discloses a network payment method, device, equipment and system. The solution includes: acquiring a rebate request initiated by a first terminal logged in with a first account, the rebate request is used to request a rebate to a second account, and the first account is determined to be related to the second account the payee account with fraudulent transactions; send a first inquiry message for the rebate request to the second terminal logged in with the second account, and the first inquiry message is used to inquire about the second terminal Whether the user of the account accepts the rebate; obtain the acceptance operation information sent by the second terminal, and the acceptance operation information is used to indicate that the user of the second account agrees to accept the rebate; transfer the payment corresponding to the rebate request by The first account pays to the second account.

Description

technical field [0001] The present application relates to the field of computer technology, in particular to a network payment method, device, equipment and system. Background technique [0002] With the popularity of electronic payment technology, more and more people use online payment platforms to carry out transfer transactions. In real life, there are often situations where users transfer money to criminals due to fraud. [0003] After the user finds out that they have been cheated, the most direct appeal is to hope that the online payment platform can return the defrauded funds. However, due to financial regulatory policies and other reasons, the online payment platform does not have the authority to cancel the transfer transaction or use the funds in the user's account. At present, the online payment platform usually handles online fraudulent transfers. When a user reports being fraudulent, the payment platform will restrict the function of the receiving account susp...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/38G06Q20/40
CPCG06Q20/382G06Q20/40145G06Q20/4016
Inventor 明浩张哲
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD