Funds processing method, device and electronic equipment based on video verification

Abstract

The embodiments of this specification propose a fund processing method, device and electronic device based on video verification, wherein in the above-mentioned fund processing method based on video verification, the server identifies risks for the current transaction. When the result of the above-mentioned risk identification is that the current transaction is risky, the funds paid by the paying user are deposited into an intermediate account, and a video verification task is generated. When the time for the above-mentioned video verification arrives, a video call connection is established between the receiving user and the paying user based on the identifier of the receiving user and the identifier of the above-mentioned paying user in the above-mentioned video verification task, and after the video call between the receiving user and the paying user ends, the payment instruction of the paying user is obtained. Finally, the funds paid by the above-mentioned paying user are processed according to the above-mentioned payment instruction, thereby providing the transaction parties with an opportunity for face-to-face verification through a video call, and effectively reducing the financial losses caused by impersonation fraud while ensuring the experience of the receiving user.

Description

[Technical field]

[0001] The embodiments of this specification relate to the field of Internet technology, and in particular to a fund processing method, device and electronic device based on video verification. [Background technology]

[0002] As the fight against telecommunications and Internet fraud escalates, the scam scripts are also upgraded. Impersonation techniques, especially impersonating public security, procuratorial and judicial organs, impersonating customer service and / or impersonating relatives and friends, are emerging in an endless stream, and users can easily be deeply deceived.

[0003] The control solutions for risky transactions provided in the existing related technologies include page reminders and / or questionnaires, but these solutions cannot effectively stop payment when the user is deeply deceived, resulting in financial losses of the user and poor user experience. [Summary of the invention]

[0004] The embodiments of this specification provide a fund processing method, device and electronic device based on video verification, so as to provide both parties of a transaction with an opportunity for face-to-face verification through a video call, thereby reducing the loss of funds due to impersonation fraud.

[0005] In a first aspect, an embodiment of the present specification provides a fund processing method based on video verification, comprising: performing risk identification on a currently ongoing transaction; when a result of the risk identification is that the currently ongoing transaction is risky, depositing the funds paid by the paying user into an intermediate account and generating a video verification task; wherein the video verification task includes the time of video verification pre-agreed by the payee user and the payee user, an identifier of the payee user, and an identifier of the payee user; when the time of the video verification arrives, establishing a video call connection between the payee user and the payee user according to the identifier of the payee user and the identifier of the payee user in the video verification task; after the video call between the payee user and the payee ends, obtaining a payment instruction from the payee user, the payment instruction being used to instruct the settlement of the funds paid by the payee user from the intermediate account to the account of the payee user, or the refund of the funds paid by the payee user from the intermediate account to the account of the payee user; and processing the funds paid by the payee according to the payment instruction.

[0006] In one possible implementation, the generating of the video verification task includes: sending a video verification notification to a first electronic device used by the payment receiving user to notify the payment receiving user of an appointment for a video verification with the paying user; obtaining the appointment time for the video verification with the paying user made by the payment receiving user; notifying a second electronic device used by the paying user of the time of the video verification; and generating the video verification task after receiving a confirmation response from the second electronic device.

[0007] In one possible implementation, establishing a video call connection between the payment receiving user and the paying user includes: sending interface data of a video application to the first electronic device according to an identifier of the payment receiving user in the video verification task, so that the first electronic device displays a video application interface according to the interface data; wherein the video application interface includes a video application button; receiving a video application request sent by the first electronic device, wherein the video application request is sent after the first electronic device detects an operation of the video application button by the payment receiving user; and establishing a video call connection between the payment receiving user and the paying user according to the video application request and the identifier of the paying user.

[0008] In one possible implementation, obtaining the payment instruction of the paying user includes: sending interface data for confirming or rejecting payment to the second electronic device, so that the second electronic device displays an interface for confirming or rejecting payment, wherein the interface for confirming or rejecting payment includes a button for confirming payment and a button for rejecting payment; receiving the payment instruction sent by the second electronic device; wherein the payment instruction is sent after the second electronic device detects the paying user's operation of the button for confirming payment or the button for rejecting payment.

[0009] In a second aspect, an embodiment of the present specification provides a fund processing device based on video verification, comprising: an identification module, for performing risk identification on a currently ongoing transaction; a deposit module, for depositing the funds paid by the paying user into an intermediate account when the result of the risk identification is that the currently ongoing transaction is risky; a generation module, for generating a video verification task; wherein the video verification task includes the time of video verification pre-agreed by the payee user and the payee user, the identifier of the payee user, and the identifier of the payee user; an establishment module, for establishing a video call connection between the payee user and the payee user according to the identifier of the payee user and the identifier of the payee user in the video verification task when the time of the video verification arrives; an acquisition module, for acquiring the payment instruction of the payee user after the video call between the payee user and the payee ends, the payment instruction being used to instruct the settlement of the funds paid by the payee user from the intermediate account to the account of the payee user, or the refund of the funds paid by the payee user from the intermediate account to the account of the payee user; a processing module, for processing the funds paid by the payee user according to the payment instruction.

[0010] In one possible implementation, the generation module includes: a notification submodule, used to send a video verification notification to the first electronic device used by the payment receiving user to notify the payment receiving user of the time for the appointment to perform the video verification with the paying user; a time acquisition submodule, used to obtain the time for the payment receiving user to perform the video verification with the paying user; the notification submodule is also used to notify the second electronic device used by the paying user of the time of the video verification; and a task generation submodule, used to generate a video verification task after receiving a confirmation response from the second electronic device.

[0011] In one possible implementation, the establishment module includes: a first sending submodule, used to send interface data of the video application to the first electronic device according to the identifier of the receiving user in the video verification task, so that the first electronic device displays the video application interface according to the interface data; wherein the video application interface includes a video application button; a first receiving submodule, used to receive a video application request sent by the first electronic device, and the video application request is sent after the first electronic device detects the operation of the video application button by the receiving user; a connection establishment submodule, used to establish a video call connection between the receiving user and the paying user according to the video application request and the identifier of the paying user.

[0012] In one possible implementation, the acquisition module includes: a second sending submodule, used to send interface data for confirming or rejecting payment to the second electronic device, so that the second electronic device can display an interface for confirming or rejecting payment, and the interface for confirming or rejecting payment includes a button for confirming payment and a button for rejecting payment; a second receiving submodule, used to receive a payment instruction sent by the second electronic device; wherein the payment instruction is sent by the second electronic device after detecting the paying user's operation of the button for confirming payment or the button for rejecting payment.

[0013] In a third aspect, an embodiment of the present specification provides an electronic device, comprising: at least one processor; and at least one memory communicatively connected to the processor, wherein: the memory stores program instructions executable by the processor, and the processor calls the program instructions to execute the method provided in the first aspect.

[0014] In a fourth aspect, an embodiment of the present specification provides a non-transitory computer-readable storage medium, wherein the non-transitory computer-readable storage medium stores computer instructions, and the computer instructions enable the computer to execute the method provided in the first aspect.

[0015] It should be understood that the second to fourth aspects of the embodiments of this specification are consistent with the technical solutions of the first aspect of the embodiments of this specification, and the beneficial effects achieved by each aspect and the corresponding feasible implementation methods are similar and will not be repeated here.

Brief Description of the Drawings

[0016] In order to more clearly illustrate the technical solutions of the embodiments of this specification, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0017] Figure 1 A flowchart of a method for handling funds based on video verification provided by one embodiment of this specification;

[0018] Figure 2 A flowchart of a video verification-based funds processing method provided in another embodiment of this specification;

[0019] Figure 3 A flowchart of a fund processing method based on video verification provided in yet another embodiment of this specification;

[0020] Figure 4 A schematic diagram of a video application interface provided by one embodiment of this specification;

[0021] Figure 5 A schematic diagram of an interface for confirming or rejecting payment provided by one embodiment of the present specification;

[0022] Figure 6 A schematic diagram of the structure of a fund processing device based on video verification provided by one embodiment of this specification;

[0023] Figure 7 A schematic diagram of the structure of a fund processing device based on video verification provided by another embodiment of this specification;

[0024] Figure 8 A schematic diagram of the structure of an electronic device provided in one embodiment of this specification. [Specific implementation method]

[0025] In order to better understand the technical solution of this specification, the embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0026] It should be clear that the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on the embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this specification.

[0027] The terms used in the embodiments of this specification are only for the purpose of describing specific embodiments, and are not intended to limit this specification. The singular forms "a", "said" and "the" used in the embodiments of this specification and the appended claims are also intended to include plural forms, unless the context clearly indicates other meanings.

[0028] As the fight against telecommunications and Internet fraud escalates, the scam scripts are also upgraded. Impersonation techniques, especially impersonating public security, procuratorial and judicial organs, impersonating customer service and / or impersonating relatives and friends, are emerging in an endless stream, and users can easily be deeply deceived.

[0029] However, the control solutions provided in the existing related technologies cannot effectively stop payment when the user is deeply deceived, resulting in financial losses to the user and poor user experience. Based on the above problems, the embodiments of this specification provide a fund processing method based on video verification. When a risky transaction is identified, the funds directly enter the intermediate account, and at the same time send a video verification notification to the payee of the transaction. The payee initiates a video verification process with the payee on the application (APP) side. After the payee confirms, the funds are settled to the payee's account, otherwise they are returned by the original route, thereby effectively reducing the loss of funds due to impersonation fraud while ensuring the payee's experience.

[0030] Figure 1 A flowchart of a method for handling funds based on video verification is provided in accordance with an embodiment of the present specification, such as Figure 1 As shown, the above method may include:

[0031] Step 102: Identify risks for the current transaction.

[0032] Specifically, the server may identify risks of the current transaction through aspects such as trusted relationships, mutations and / or conflicts, thereby identifying whether there is a fraud risk in the current transaction.

[0033] Step 104: When the result of the risk identification is that the current transaction is risky, the funds paid by the paying user are deposited into an intermediate account and a video verification task is generated.

[0034] The video verification task includes the time of video verification pre-agreed between the payment receiving user and the payment user, the identification of the payment receiving user and the identification of the payment user.

[0035] In this embodiment, when the result of the risk identification is that the current transaction is risky, the funds paid by the payee go directly into the intermediary account rather than the account of the payee. Then, the server generates a video verification task.

[0036] Step 106, when the time for the video verification arrives, a video call connection is established between the payment receiving user and the payment user according to the identification of the payment receiving user in the video verification task and the identification of the payment user.

[0037] Step 108: After the video call between the payee and the payee ends, obtain the payment instruction of the payee.

[0038] The payment instruction is used to instruct the settlement of the funds paid by the paying user from the intermediate account to the account of the receiving user, or to return the funds paid by the paying user from the intermediate account to the account of the paying user.

[0039] Step 110: Process the funds paid by the paying user according to the payment instruction.

[0040] In the above-mentioned fund processing method based on video verification, the server identifies risks for the current transaction. When the result of the above-mentioned risk identification is that there is a risk in the current transaction, the funds paid by the paying user are deposited into an intermediate account, and a video verification task is generated. When the time for the above-mentioned video verification arrives, a video call connection is established between the paying user and the paying user based on the identifier of the paying user and the identifier of the paying user in the above-mentioned video verification task, and after the video call between the paying user and the paying user ends, the payment instruction of the paying user is obtained. Finally, the funds paid by the paying user are processed according to the above-mentioned payment instruction, thereby providing the transaction parties with an opportunity for face-to-face verification through a video call, and effectively reducing the financial losses caused by impersonation fraud while ensuring the experience of the paying user.

[0041] Figure 2 A flowchart of a fund processing method based on video verification is provided in another embodiment of this specification, such as Figure 2 As shown in this manual Figure 1 In step 104 of the illustrated embodiment, generating a video verification task may include:

[0042] Step 202, the server sends a video verification notification to the first electronic device used by the payee user to notify the payee user of the time to schedule a video verification with the paying user.

[0043] Step 204, obtaining the time for the payment receiving user to conduct video verification with the above-mentioned payment user.

[0044] Step 206: Notify the second electronic device used by the paying user of the moment of the video verification.

[0045] Step 208: after receiving a confirmation response from the second electronic device, generate a video verification task.

[0046] In this way, Figure 3 As shown, in step 106, establishing a video call connection between the payment receiving user and the payment paying user may include:

[0047] Step 302, the server sends the interface data of the video application to the first electronic device according to the identifier of the payment recipient in the above video verification task, so that the first electronic device can display the video application interface according to the above interface data; wherein the above video application interface may include a video application button.

[0048] Specifically, the video application interface can be as follows: Figure 4 As shown, Figure 4 A schematic diagram of a video application interface provided by an embodiment of this specification, see Figure 4 The video application interface includes a video application button 41.

[0049] Step 304: receiving a video application request sent by the first electronic device, wherein the video application request is sent by the first electronic device after detecting that the payment recipient operates the video application button.

[0050] In this embodiment, the payment receiving user's operation on the above-mentioned video application button may include: the payment receiving user clicks, double-clicks or long presses the above-mentioned video application button, and this embodiment does not limit the specific operation form.

[0051] Step 306: Establish a video call connection between the payment receiving user and the payment user according to the video application request and the identifier of the payment user.

[0052] Figure 3 A flowchart of a fund processing method based on video verification provided in yet another embodiment of this specification.

[0053] Thus, this manual Figure 1 In step 108 of the illustrated embodiment, obtaining the payment instruction of the payee may be: the server sends interface data for confirming or rejecting payment to the second electronic device, so that the second electronic device displays an interface for confirming or rejecting payment, wherein the interface for confirming or rejecting payment includes a button for confirming payment and a button for rejecting payment. Then, the server may receive the payment instruction sent by the second electronic device; wherein the payment instruction is sent by the second electronic device after detecting that the payee has operated the button for confirming payment or the button for rejecting payment.

[0054] Specifically, the interface for confirming or rejecting payment can be as follows: Figure 5 As shown, Figure 5 A schematic diagram of an interface for confirming or rejecting payment provided in one embodiment of this specification, see Figure 5 The above-mentioned interface for confirming or rejecting payment includes a button 51 for confirming payment and a button 52 for rejecting payment.

[0055] In this embodiment, the paying user's operation on the button for confirming payment or the button for rejecting payment may include: the paying user clicks, double-clicks, or long presses the button for confirming payment or the button for rejecting payment. This embodiment does not limit the specific operation form.

[0056] The video verification-based funds processing method provided in the embodiments of this specification can solve the following two problems while ensuring the user experience of the recipient:

[0057] (1) In the case of risk identification errors and mis-audits, the recipient can directly confirm with the payer through video to obtain the funds, without the need to go through the call process, thus freeing up manual customer service;

[0058] (2) In scenarios where risk identification is correct, since the funds are in an intermediary account, fraudsters cannot obtain funds through other means, causing the stolen funds to flow out of the account. This ensures that the funds are returned to the payee's account via the original route.

[0059] It should be noted that the video verification-based fund processing method provided in the embodiments of this specification can be applied to various risk domains and is not limited to risk scenarios such as fraud.

[0060] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0061] Figure 6 A schematic diagram of a fund processing device based on video verification according to an embodiment of the present specification is shown in FIG. Figure 6 As shown, the above-mentioned video verification-based fund processing device may include: an identification module 61, a deposit module 62, a generation module 63, a creation module 64, an acquisition module 65 and a processing module 66;

[0062] Among them, the identification module 61 is used to identify the risks of the current transaction;

[0063] A deposit module 62 is used to deposit the funds paid by the payee into an intermediate account when the risk identification result indicates that the current transaction is at risk;

[0064] A generating module 63 is used to generate a video verification task; wherein the video verification task includes the time of video verification pre-agreed by the payment receiving user and the payment user, the identification of the payment receiving user and the identification of the payment user;

[0065] An establishing module 64 is used to establish a video call connection between the payment receiving user and the payment paying user according to the payment receiving user's identifier and the payment paying user's identifier in the video verification task when the video verification time arrives;

[0066] The acquisition module 65 is used to acquire the payment instruction of the paying user after the video call between the receiving user and the paying user ends, wherein the payment instruction is used to instruct the settlement of the funds paid by the paying user from the intermediate account to the account of the receiving user, or to return the funds paid by the paying user from the intermediate account to the account of the paying user;

[0067] The processing module 66 is used to process the funds paid by the paying user according to the payment instruction.

[0068] Figure 6 The video verification-based fund processing device provided in the illustrated embodiment can be used to implement the present specification Figure 1 The technical solution of the method embodiment shown, its implementation principle and technical effects can be further referred to the relevant description in the method embodiment.

[0069] Figure 7 A schematic diagram of a fund processing device based on video verification provided by another embodiment of this specification, Figure 6 Compared with the video verification-based funds processing device shown, Figure 7 In the video verification-based fund processing device shown, the generation module 63 may include: a notification submodule 631, a time acquisition submodule 632, and a task generation submodule 633;

[0070] The notification submodule 631 is used to send a video verification notification to the first electronic device used by the payment receiving user to notify the payment receiving user of the time to schedule a video verification with the payment user;

[0071] The time acquisition submodule 632 is used to acquire the time for the payment receiving user to perform video verification with the payment user as scheduled;

[0072] The notification submodule 631 is further used to notify the second electronic device used by the paying user of the moment of the video verification;

[0073] The task generation submodule 633 is used to generate a video verification task after receiving a confirmation response from the second electronic device.

[0074] In this embodiment, the establishing module 64 may include: a first sending submodule 641, a first receiving submodule 642 and a connection establishing submodule 643;

[0075] The first sending submodule 641 is used to send the interface data of the video application to the first electronic device according to the identifier of the payment receiving user in the above-mentioned video verification task, so that the first electronic device can display the video application interface according to the above-mentioned interface data; wherein the above-mentioned video application interface includes a video application button;

[0076] The first receiving submodule 642 is used to receive a video application request sent by the first electronic device, where the video application request is sent by the first electronic device after detecting that the payment receiving user operates the video application button;

[0077] The connection establishment submodule 643 is used to establish a video call connection between the payment receiving user and the payment user according to the above video application request and the identification of the payment user.

[0078] In this embodiment, the acquisition module 65 may include: a second sending submodule 651 and a second receiving submodule 652;

[0079] The second sending submodule 651 is used to send interface data for confirming or rejecting payment to the second electronic device, so that the second electronic device can display an interface for confirming or rejecting payment, wherein the interface for confirming or rejecting payment includes a button for confirming payment and a button for rejecting payment;

[0080] The second receiving submodule 652 is used to receive a payment instruction sent by a second electronic device; wherein the payment instruction is sent by the second electronic device after detecting that the paying user operates the button for confirming payment or the button for rejecting payment.

[0081] Figure 7 The video verification-based fund processing device provided in the illustrated embodiment can be used to execute the present application Figure 1 to Figure 5 The technical solution of the method embodiment shown, its implementation principle and technical effects can be further referred to the relevant description in the method embodiment.

[0082] Figure 8 A schematic diagram of the structure of an electronic device provided in one embodiment of this specification, such as Figure 8 As shown, the electronic device may include at least one processor; and at least one memory connected to the processor in communication, wherein: the memory stores program instructions executable by the processor, and the processor calls the program instructions to execute the instructions of this specification. Figure 1 to Figure 5 The illustrated embodiment provides a fund processing method based on video verification.

[0083] The electronic device may be a server, for example, a risk identification server. This embodiment does not limit the form of the electronic device. In specific implementation, the server may be deployed in the cloud.

[0084] Figure 8 A block diagram of an exemplary electronic device suitable for implementing the embodiments of the present description is shown. Figure 8 The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of this specification.

[0085] like Figure 8 As shown, the electronic device is in the form of a general computing device. The components of the electronic device may include, but are not limited to: one or more processors 410, a communication interface 420, a memory 430, and a communication bus 440 connecting different components (including the memory 430, the communication interface 420 and the processing unit 410).

[0086] The communication bus 440 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, or a local bus using any of a variety of bus structures. For example, the communication bus 440 may include, but is not limited to, an industry standard architecture (ISA) bus, a micro channel architecture (MAC) bus, an enhanced ISA bus, a video electronics standards association (VESA) local bus, and a peripheral component interconnection (PCI) bus.

[0087] Electronic devices typically include a variety of computer system readable media. These media can be any available media that can be accessed by the electronic device, including volatile and non-volatile media, removable and non-removable media.

[0088] The memory 430 may include a computer system readable medium in the form of a volatile memory, such as a random access memory (RAM) and / or a cache memory. The memory 430 may include at least one program product having a set (e.g., at least one) of program modules configured to execute the instructions of the present invention. Figure 1 to Figure 5 Functionality of the illustrated embodiment.

[0089] A program / utility having a set (at least one) of program modules may be stored in the memory 430, such program modules including - but not limited to - an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include the implementation of a network environment. The program modules generally execute the instructions in this specification. Figure 1 to Figure 5 The functions and / or methods in the described embodiments.

[0090] The processor 410 executes various functional applications and data processing by running the programs stored in the memory 430, such as implementing the present specification. Figure 1 to Figure 5 The illustrated embodiment provides a fund processing method based on video verification.

[0091] The embodiment of the present specification provides a non-transitory computer-readable storage medium, wherein the non-transitory computer-readable storage medium stores computer instructions, wherein the computer instructions enable the computer to execute the present specification. Figure 1 to Figure 5 The illustrated embodiment provides a fund processing method based on video verification.

[0092] The above-mentioned non-transient computer-readable storage medium can adopt any combination of one or more computer-readable media. Computer-readable media can be computer-readable signal media or computer-readable storage media. Computer-readable storage media can be, for example, - but not limited to - electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or devices, or any combination of the above. More specific examples (non-exhaustive lists) of computer-readable storage media include: electrical connections with one or more wires, portable computer disks, hard disks, random access memories (RAM), read-only memories (read only memory, ROM), erasable programmable read-only memories (erasable programmable read only memory, EPROM) or flash memory, optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the above. In this document, computer-readable storage media can be any tangible medium containing or storing programs, which can be used by instruction execution systems, devices or devices or used in combination with them.

[0093] Computer-readable signal media may include a data signal propagated in baseband or as part of a carrier wave, which carries a computer-readable program code. Such propagated data signals may take a variety of forms, including, but not limited to, electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than a computer-readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.

[0094] The program code embodied on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wire, optical cable, radio frequency (RF), etc., or any suitable combination of the foregoing.

[0095] Computer program code for performing the operations of the present specification may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0096] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0097] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of this specification. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner. In addition, those skilled in the art may combine and combine the different embodiments or examples described in this specification and the features of the different embodiments or examples, unless they are contradictory.

[0098] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In the description of this specification, the meaning of "plurality" is at least two, such as two, three, etc., unless otherwise clearly and specifically defined.

[0099] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a custom logical function or process, and the scope of the preferred embodiments of this specification includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in reverse order depending on the functions involved, which should be understood by technicians in the technical field to which the embodiments of this specification belong.

[0100] The word "if" as used herein may be interpreted as "at the time of" or "when" or "in response to determining" or "in response to detecting", depending on the context. Similarly, the phrases "if it is determined" or "if (stated condition or event) is detected" may be interpreted as "when it is determined" or "in response to determining" or "when detecting (stated condition or event)" or "in response to detecting (stated condition or event)", depending on the context.

[0101] It should be noted that the terminals involved in the embodiments of this specification may include but are not limited to personal computers (PCs), personal digital assistants (PDAs), wireless handheld devices, tablet computers, mobile phones, MP3 players, MP4 players, etc.

[0102] In the several embodiments provided in this specification, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0103] In addition, each functional unit in each embodiment of this specification may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit may be implemented in the form of hardware or in the form of hardware plus software functional units.

[0104] The above-mentioned integrated unit implemented in the form of a software functional unit can be stored in a computer-readable storage medium. The above-mentioned software functional unit is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the method described in each embodiment of this specification. The aforementioned storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a disk or an optical disk, and other media that can store program codes.

[0105] The above description is only a preferred embodiment of this specification and is not intended to limit this specification. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of this specification should be included in the scope of protection of this specification.

Claims

1. A fund processing method based on video verification, applied to a server, the method comprising: Identify risks in current transactions; When the result of the risk identification is that the current transaction is at risk, the funds paid by the paying user are deposited into the intermediate account, and a video verification task is generated; wherein the video verification task includes the time of the video verification pre-agreed between the receiving user and the paying user, the identification of the receiving user and the identification of the paying user; When the time for the video verification arrives, a video call connection is established between the payment receiving user and the payment user according to the identifier of the payment receiving user and the payment user in the video verification task; After the video call between the payment receiving user and the payment user ends, obtaining a payment instruction from the payment user, wherein the payment instruction is used to instruct the settlement of the funds paid by the payment user from the intermediary account to the account of the payment receiving user, or to return the funds paid by the payment user from the intermediary account to the account of the payment user; Processing the funds paid by the payment user according to the payment instruction; The generating of the video verification task includes: Sending a video verification notification to the first electronic device used by the payment receiving user to notify the payment receiving user of the time for making an appointment for video verification with the paying user; Obtaining the time at which the payment receiving user has scheduled a video verification with the payment user; Notifying the moment of the video verification to the second electronic device used by the paying user; After receiving a determination response from the second electronic device, generating a video verification task; Wherein, obtaining the payment instruction of the paying user includes: Sending to the second electronic device interface data for confirming or rejecting payment, so that the second electronic device displays an interface for confirming or rejecting payment, wherein the interface for confirming or rejecting payment includes a button for confirming payment and a button for rejecting payment; Receive a payment instruction sent by the second electronic device; wherein the payment instruction is sent after the second electronic device detects that the paying user operates the button for confirming payment or the button for rejecting payment.

2. The method according to claim 1, wherein: The establishing of a video call connection between the payment receiving user and the payment paying user comprises: According to the identifier of the payment receiving user in the video verification task, the interface data of the video application is sent to the first electronic device, so that the first electronic device displays the video application interface according to the interface data; wherein the video application interface includes a video application button; receiving a video application request sent by the first electronic device, wherein the video application request is sent by the first electronic device after detecting that the payment receiving user operates the video application button; A video call connection is established between the payment receiving user and the payment user according to the video application request and the identifier of the payment user.

3. A fund processing device based on video verification, comprising: Identification module, used to identify risks of current transactions; A deposit module, used for depositing the funds paid by the payee into an intermediate account when the result of the risk identification is that the current transaction is at risk; A generating module, used for generating a video verification task; wherein the video verification task includes the time of the video verification pre-agreed by the payment receiving user and the payment user, the identification of the payment receiving user and the identification of the payment user; An establishing module, configured to establish a video call connection between the payment receiving user and the payment paying user according to the payment receiving user's identifier and the payment paying user's identifier in the video verification task when the video verification time arrives; an acquisition module, configured to acquire a payment instruction of the paying user after the video call between the receiving user and the paying user ends, wherein the payment instruction is used to instruct the settlement of the funds paid by the paying user from the intermediary account to the account of the receiving user, or to return the funds paid by the paying user from the intermediary account to the account of the paying user; A processing module, used for processing the funds paid by the paying user according to the payment instruction; Wherein, the generating module comprises: A notification submodule, configured to send a video verification notification to the first electronic device used by the payment receiving user, so as to notify the payment receiving user of the time for making an appointment for video verification with the payment user; A time acquisition submodule, used to acquire the time at which the payment receiving user has scheduled a video verification with the payment user; The notification submodule is further used to notify the second electronic device used by the paying user of the moment of the video verification; A task generation submodule, configured to generate a video verification task after receiving a confirmation response from the second electronic device; Wherein, the acquisition module includes: a second sending submodule, configured to send interface data for confirming or rejecting payment to the second electronic device, so that the second electronic device displays an interface for confirming or rejecting payment, wherein the interface for confirming or rejecting payment includes a button for confirming payment and a button for rejecting payment; The second receiving submodule is used to receive the payment instruction sent by the second electronic device; wherein the payment instruction is sent by the second electronic device after detecting that the paying user operates the button for confirming payment or the button for rejecting payment.

4. The device according to claim 3, wherein: The establishment module includes: A first sending submodule is used to send interface data of a video application to the first electronic device according to the identifier of the payment receiving user in the video verification task, so that the first electronic device displays a video application interface according to the interface data; wherein the video application interface includes a video application button; A first receiving submodule is configured to receive a video application request sent by the first electronic device, wherein the video application request is sent by the first electronic device after detecting that the payment receiving user operates the video application button; The connection establishment submodule is used to establish a video call connection between the payment receiving user and the payment user according to the video application request and the identifier of the payment user.

5. An electronic device comprising: at least one processor; as well as at least one memory in communication with the processor, wherein: The memory stores program instructions executable by the processor, and the processor can execute the method according to any one of claims 1 to 2 by calling the program instructions. 6 . A non-transitory computer-readable storage medium storing computer instructions, wherein the computer instructions enable the computer to execute the method according to claim 1 .

Images