Payment processing method and apparatus, electronic device, and storage medium

Abstract

The application discloses a payment processing method and device, electronic equipment and a storage medium, comprising: collecting user information of a pre-authenticated user, a current device identifier and network strength; calling an authentication user database corresponding to the device identifier, and selecting an authentication user account corresponding to the collected user information in the called authentication user database; detecting whether the current network strength is greater than or equal to a preset value; if it is detected that the current network strength is less than the preset value, determining the payment mode as an offline payment mode; and completing processing of a to-be-paid order in the offline payment mode according to the selected authentication user account, which can improve the efficiency of payment processing.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and more specifically to a payment processing method, apparatus, electronic device, and storage medium. Background Technology

[0002] With the popularization of electronic payment methods, people usually use electronic payment methods to make purchases in consumption scenarios, such as QR code payment and facial recognition payment.

[0003] Current electronic payment solutions rely on the network to identify users and thus enable electronic payments. However, these solutions require the identification of users from a general database, and when the network signal is weak, payment failures or long waiting times for users may occur. Therefore, current solutions have low payment efficiency. Summary of the Invention

[0004] This application provides a payment processing method, apparatus, electronic device, and storage medium that can improve the efficiency of payment processing.

[0005] This application provides a payment processing method, including: Collect user information, current device identifier, and network strength of pre-authenticated users; The system calls the authentication user database corresponding to the device identifier and selects the authentication user account corresponding to the collected user information from the called authentication user database. Check if the current network strength is greater than or equal to a preset value; If the current network strength is detected to be less than the preset value, the payment method will be determined as offline payment. Based on the selected verified user account, the order to be paid is processed using the offline payment method.

[0006] Accordingly, this application also provides a payment processing apparatus, including: The data collection module is used to collect user information, current device identifier, and network strength of pre-authenticated users; The calling module is used to call the authentication user database corresponding to the device identifier; The selection module is used to select the authentication user account corresponding to the collected user information from the invoked authentication user database; The detection module is used to detect whether the current network strength is greater than or equal to a preset value; The determination module is used to determine the payment method as offline payment if the current network strength is detected to be less than a preset value. The processing module is used to process the pending payment order using the offline payment method based on the selected authenticated user account.

[0007] Optionally, in some embodiments of this application, the calling module includes: The first determining unit is used to determine the current location information; The acquisition unit is used to acquire the time information when the user triggers the payment processing request; The invocation unit is used to invoke the authentication user database corresponding to the device identifier based on the time information and the determined location information.

[0008] Optionally, in some embodiments of this application, the calling unit includes: A determining subunit is used to determine the payment period corresponding to the time information within a preset payment period set; The calling subunit is used to call the authenticated user database corresponding to the device identifier based on the determined location information and payment period.

[0009] Optionally, in some embodiments of this application, the calling subunit is specifically used for: Obtain the database of candidate user accounts corresponding to the payment period; Select the user account corresponding to the location information from the candidate user account database to obtain the authenticated user database corresponding to the device identifier.

[0010] Optionally, in some embodiments of this application, the selection module includes: The extraction unit is used to extract user information corresponding to each certified user account from the called certified user database, and obtain the certified user information corresponding to each certified user account. The matching unit is used to select the certified user information that matches the collected user information from the certified user information corresponding to each certified user account; The second determining unit is used to determine the authentication user account corresponding to the matched authentication user information as the authentication user account corresponding to the collected user information.

[0011] Optionally, in some embodiments of this application, the second determining unit is specifically used for: Extracting user biometrics from collected user information yields target biometrics, and; The biometric features of the corresponding certified user accounts are extracted from the certified user information to obtain the reference biometric features of each certified user account. Calculate the similarity between the target biometric feature and each reference biometric feature; Authentication user information with a similarity greater than or equal to a preset similarity is identified as authentication user information that matches the collected user information.

[0012] Optionally, in some embodiments of this application, the processing module is specifically used for: The order information of the pending payment order is added to the account identifier of the selected verified user account to obtain the updated account identifier; When the current network strength is detected to be greater than or equal to a preset value, the updated account identifier is uploaded to the server so that the server can process the pending payment order based on the updated account.

[0013] Optionally, in some embodiments of this application, an update module is further included, which is specifically used for: If the current network strength is greater than or equal to the preset value, and there is updated data in the database of authenticated users, the updated data is obtained through the current network. The updated authentication user database is updated based on the obtained updated data to obtain the updated authentication user database. The calling module is specifically used to: select the authentication user account corresponding to the collected user information in the updated authentication user database.

[0014] This application, after collecting user information, current device identifier, and network strength from pre-authenticated users, calls the authentication user database corresponding to the device identifier and selects the authentication user account corresponding to the collected user information from the database. Then, it checks whether the current network strength is greater than or equal to a preset value. If the current network strength is less than the preset value, the payment method is determined to be offline payment. Finally, based on the selected authentication user account, the payment order is processed using the offline payment method. Therefore, this scheme can improve the efficiency of payment processing. Attached Figure Description

[0015] To more clearly illustrate the technical solutions in this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0016] Figure 1a This is a schematic diagram illustrating a scenario of the payment processing method provided in this application; Figure 1b This is a flowchart illustrating the payment processing method provided in this application; Figure 2a This is another flowchart illustrating the payment processing method provided in this application; Figure 2b This is a sequence diagram of the payment processing method provided in this application; Figure 2cThis is another scenario illustration of the payment processing method provided in this application; Figure 3a This is a schematic diagram of the payment processing device provided in this application; Figure 3b This is another structural schematic diagram of the payment processing device provided in this application; Figure 4 This is a schematic diagram of the structure of the electronic device provided in this application. Detailed Implementation

[0017] The technical solutions of this application will now be clearly and completely described with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0018] This application provides a payment processing method, apparatus, electronic device, and storage medium.

[0019] Specifically, the payment processing device can be integrated into a terminal, which can be a smartphone, tablet, laptop, desktop computer, smart speaker, smartwatch, etc., but is not limited to these. The terminal can connect to the server directly or indirectly via wired or wireless communication, and this application does not impose any restrictions.

[0020] For example, please see Figure 1a The payment processing device is integrated into the terminal. The terminal collects the user information of the pre-authenticated user, the current device identifier, and the network strength. Then, the terminal calls the authentication user database corresponding to the device identifier and selects the authentication user account corresponding to the collected user information from the database. Next, the terminal checks whether the current network strength is greater than or equal to a preset value. If the terminal detects that the current network strength is less than the preset value, it determines the payment method as offline payment. Finally, the terminal completes the processing of the pending payment order using the offline payment method according to the selected authentication user account.

[0021] The payment processing method provided in this application can call the authentication user database corresponding to the device identifier, which reduces the amount of data when verifying user information and improves the verification efficiency. Furthermore, if the current network strength is less than a preset value, the payment order to be paid can be processed offline, thereby improving the efficiency of payment processing.

[0022] The following sections provide detailed descriptions of each example. It should be noted that the order in which the embodiments are described is not intended to limit the priority of the embodiments.

[0023] A payment processing method includes: collecting user information of a pre-authenticated user, the current device identifier and network strength; calling the authentication user database corresponding to the device identifier; selecting the authentication user account corresponding to the collected user information from the called authentication user database; detecting whether the current network strength is greater than or equal to a preset value; if the current network strength is less than the preset value, determining the payment method as offline payment; and completing the processing of the pending payment order using the offline payment method according to the selected authentication user account.

[0024] Please see Figure 1b , Figure 1b A flowchart illustrating the payment processing method provided in this application. The specific flow of this payment processing method can be as follows: 101. Collect user information, current device identifier, and network strength of pre-authenticated users.

[0025] Pre-authentication refers to the process where a user's identity is verified through a certain mechanism before entering the payment processing system. User information can carry one or more of the user's biometric features, such as iris features, facial features, and fingerprint features, depending on the specific circumstances. Device identification can carry the company name and device model of the manufacturer, etc. Network strength refers to the current network strength of the device. For example, if user A purchases a ticket for train B at time T through a ticketing system, user A has pre-authenticated through the ticketing system. When user A boards train B and purchases food at a food stall on train B, using facial recognition payment, the salesperson can use a facial recognition device D to collect user A's information. This information can include user A's facial image, user A's train order information, and user account, etc. Furthermore, facial recognition device D can also collect its device identification and the current network strength.

[0026] 102. Call the authentication user database corresponding to the device identifier, and select the authentication user account corresponding to the collected user information from the called authentication user database.

[0027] A payment processing system typically possesses a large database containing authenticated user accounts corresponding to all user information within the system. Therefore, selecting an authenticated user account from this database that matches the collected user information results in low processing efficiency, consequently reducing the efficiency of subsequent payment processing. In this application, each device has its own corresponding database (i.e., an authenticated user database). Specifically, this database can be retrieved from a server via the network, corresponding to the device identifier. It should be noted that since the timing of each user's payment processing request may differ, the timing can be adjusted accordingly. The system retrieves the authenticated user database corresponding to the device identifier based on the time information. For example, taking the scenario of buying food on a train as an example, if user A takes train Q1 on September 9th and user B takes train Q2 on September 9th, the time when they trigger the payment processing request will be different. If the authenticated user databases for trains Q1 and Q2 are called when processing user B's payment processing request, the efficiency of processing the payment processing request will be reduced, which will in turn reduce the efficiency of subsequent payment processing. Therefore, in some embodiments of this application, the time information when the user triggers the payment processing request can be used to reduce the amount of data called, thereby improving processing efficiency.

[0028] It should also be noted that even if user A and user B travel on the same train, if user A purchases goods at station K and user B purchases goods at station L, and user A has already disembarked before station L, the corresponding authenticated user database can be invoked based on the location information of user B that triggered the payment processing request. That is, optionally, in some embodiments, the step "invoking the authenticated user database corresponding to the device identifier" may specifically include: (11) Determine the current location information; (12) Obtain the time information when the user triggers the payment processing request; (13) Based on time information and determined location information, call the authentication user database corresponding to the device identifier.

[0029] Furthermore, taking the scenario of purchasing food on a train as an example, each train service corresponds to a time period. For instance, train K12345 from Shanghai to Hangzhou has two departures on May 4th. One departure corresponds to the time period from 12:00 PM to 2:00 PM, and the other corresponds to the time period from 5:00 PM to 7:00 PM. That is, the preset payment time period includes two payment periods. If the user triggers the payment processing request at 1:00 AM, then the corresponding payment time period is 12:00 PM to 2:00 PM. Finally, based on the determined location information and payment time period, the authenticated user database corresponding to the device identifier is invoked. Optionally, in some embodiments, the step "invoking the authenticated user database corresponding to the device identifier based on time information and determined location information" may specifically include: (21) Determine the payment period corresponding to the time information within the preset payment period; (22) Based on the determined location information and payment period, call the authentication user database corresponding to the device identifier.

[0030] Specifically, a candidate user account database corresponding to the location information can be obtained. For example, firstly, the user account data of all authenticated users during the payment period (i.e., the candidate user account database) can be retrieved. Then, based on the location information, the authenticated user data corresponding to the device identifier can be selected from the user account data of all authenticated users. That is, optionally, in some embodiments, the step "calling the authenticated user database corresponding to the device identifier based on the determined location information and payment period" can specifically include: (31) Obtain the database of candidate user accounts corresponding to the payment period; (32) Select the user account corresponding to the location information from the candidate user account database to obtain the authenticated user database corresponding to the device identifier.

[0031] After accessing the authentication user database corresponding to the device identifier, an authentication user account corresponding to the collected user information can be selected from the database. For example, the user information of the authentication user account can be matched with the collected user information, and the matched authentication user account can be determined as the authentication user account corresponding to the collected user information. That is, optionally, in some embodiments, the step "selecting the authentication user account corresponding to the collected user information from the accessed authentication user database" may specifically include: (41) Extract the user information corresponding to each certified user account from the called certified user database to obtain the certified user information corresponding to each certified user account; (42) Select the authentication user information that matches the collected user information from the authentication user information corresponding to each authentication user account, and determine the authentication user account corresponding to the matching authentication user information as the authentication user account corresponding to the collected user information.

[0032] Since user information can carry one or more of the user's biometric features, such as iris features, facial features, and fingerprint features, for example, if the user uses fingerprint payment when triggering a payment processing request, then the fingerprint features carried in the user information can be used for verification. Or, if the user uses a combination of fingerprint and facial recognition payment when triggering a payment processing request, then both the user's fingerprint and face can be verified simultaneously, or one biometric feature can be verified first, and the other can be verified only after the first verification is successful. The specific settings depend on the actual situation. That is, in some embodiments, the step "selecting the authentication user information that matches the collected user information from the authentication user information corresponding to each authentication user account" may specifically include: (51) Extract the user’s biometric features from the collected user information to obtain the target biometric features, and extract the biometric features corresponding to the certified user account from the certified user information to obtain the reference biometric features corresponding to each certified user account. (52) Calculate the similarity between the target biometric feature and each reference biometric feature; (53) Authentication user information with a similarity greater than or equal to the preset similarity is identified as authentication user information that matches the collected user information.

[0033] Specifically, a pre-trained biometric similarity model can be used to calculate the similarity between the target biometric and each reference biometric. For example, if both the target biometric and the reference biometric are faces, a face similarity model can be used to calculate the similarity between the target biometric and the reference biometric. In particular, features can be extracted from the face image, and then the similarity between the extracted features can be calculated. Finally, the authenticated user information with a similarity greater than or equal to a preset similarity is determined as the authenticated user information that matches the collected user information. The preset similarity can be 90% or 85%, depending on the actual situation.

[0034] 103. Check if the current network strength is greater than or equal to the preset value.

[0035] Transmission technology refers to the technology of fully utilizing the transmission capabilities of different channels to construct a complete transmission system, enabling reliable information transmission. The transmission system is a crucial component of the communication system, and transmission technology primarily relies on the transmission characteristics of specific channels. Channels are divided into wired and wireless channels. Wired channels can be further subdivided into overhead open lines (transmission capacity generally not exceeding 12 voice channels), symmetrical cables (high-frequency cables used for carrier communication can transmit up to 120 voice channels per pair of cores), coaxial cables (transmission capacity can reach 1800-3600 voice channels), and optical fibers (single-mode optical fibers can transmit tens of thousands of voice channels), etc. Wireless channels can be further divided into ground wave propagation (such as ultra-long wave, very long wave, long wave, short wave, etc.), sky wave propagation (i.e., propagation via ionospheric reflection, such as short wave), and line-of-sight propagation (such as ultra-short wave, microwave), etc. Because different channels have their own applicable frequency ranges, the signal from the source must be "modulated" to a given frequency range for transmission; therefore, modulation technology is one of the key aspects of transmission technology. The technique of enabling the transmission of information from multiple sources on a given channel is called "multiplexing." Multiplexing aims to improve the efficiency of the channel and is another key aspect of transmission technology. Common multiplexing techniques include frequency division multiplexing, time division multiplexing, code division multiplexing, and wavelength division multiplexing. Transmission reliability is another crucial aspect of transmission technology, primarily involving signal coding techniques and optimal reception techniques.

[0036] Fiber optic transmission and mobile communication technologies are the two most important transmission technologies for the foreseeable future. Fiber optic transmission, with its high bandwidth and high reliability, will become the backbone of the future information superhighway; while mobile communication, with its high flexibility and mobility, will become the widely adopted form of communication in the information society.

[0037] Users typically use mobile communication technologies to transmit communications in outdoor scenarios. These wireless mobile communication technologies can include third-generation mobile communication technology, fourth-generation mobile communication technology, and wireless communication technology (WiFi communication), etc.

[0038] If the current wireless connection method is WiFi, the device will be in a state of detecting WiFi signals. Specifically, it can obtain the hotspot identifier of the WiFi signal detected by the WiFi chip. The hotspot identifier is used to represent the signal strength of the WiFi resource at its current state.

[0039] 104. If the current network strength is detected to be less than the preset value, the payment method will be set to offline payment.

[0040] The preset value can be pre-set. The normal range of wireless signal strength is -90dBm to -60dBm. Therefore, the preset value can be set to -90dBm. If the current network strength is less than -90dBm, the payment method is determined to be offline payment; if the current network strength is greater than or equal to -90dBm, the payment method is determined to be online payment. Furthermore, if the current network strength is greater than or equal to the preset value, and there is updated data in the called authentication user database, the updated data is obtained through the current network, and the called authentication user database is updated. That is, optionally, in some embodiments, it may further include: (61) If the current network strength is greater than or equal to the preset value, and there is updated data in the database of the authenticated user being called, obtain the updated data through the current network; (62) Update the called authentication user database based on the obtained updated data to obtain the updated authentication user database.

[0041] For example, in a scenario where a product is purchased on a train, if a user buys a ticket and boards the train at a stop along the way, the user's data can be added to the authenticated user database corresponding to the device identifier to update the authenticated user database. In the subsequent payment process, the authenticated user account corresponding to the collected user information can be selected from the updated authenticated user database.

[0042] 105. Based on the selected verified user account, complete the processing of the pending payment order using offline payment method.

[0043] In this application, the offline payment method specifically involves: adding the user's order information to the user's corresponding account identifier; and uploading the updated account identifier to the server when the network strength is greater than or equal to a preset value, so that the server can process the pending payment order based on the updated account. Optionally, in some embodiments, the step "processing the pending payment order using the offline payment method based on the selected authenticated user account" may specifically include: (71) Add the order information of the order to be paid to the account identifier of the selected certified user account to obtain the updated account identifier; (72) When the current network strength is detected to be greater than or equal to the preset value, the updated account identifier is uploaded to the server so that the server can complete the processing of the pending payment order based on the updated account.

[0044] This application collects user information, current device identifier, and network strength of pre-authenticated users. It then calls the authentication user database corresponding to the device identifier and selects the authentication user account corresponding to the collected user information from the database. Next, it checks whether the current network strength is greater than or equal to a preset value. If the current network strength is less than the preset value, the payment method is determined to be offline payment. Finally, based on the selected authentication user account, the payment order is processed offline. The payment processing method provided by this application can call the authentication user database corresponding to the device identifier, reducing the amount of data when verifying user information and improving verification efficiency. Furthermore, if the current network strength is less than the preset value, the payment order is processed offline, thereby improving payment processing efficiency.

[0045] The method described in the embodiments will be further described in detail below with examples.

[0046] In this embodiment, the payment processing device will be specifically integrated into the terminal as an example for explanation.

[0047] Please see Figure 2a A payment processing method, the specific process of which can be as follows: 201. The terminal collects user information, current device identifier, and network strength of pre-authenticated users.

[0048] Pre-authentication refers to the process by which a user is authenticated before entering the payment processing system. User information may include one or more of the following: user account information, fingerprint information, iris information, and facial information, depending on the actual situation. Device identification may include the company name and device model of the manufacturer, etc. Network strength refers to the current network strength of the device.

[0049] 202. The terminal calls the authentication user database corresponding to the device identifier, and selects the authentication user account corresponding to the collected user information from the called authentication user database.

[0050] In this application, each device has a corresponding database (i.e., an authenticated user database). The terminal can retrieve the authenticated user database corresponding to the device identifier from the server via the network. It should be noted that since the time when each user triggers a payment processing request may be different, the terminal can call the authenticated user database corresponding to the device identifier based on the time information. For example, taking the scenario of buying food on a train as an example, if user A takes train Q1 on September 9th and user B takes train Q2 on September 9th, the time when they trigger the payment processing request is different. If the authenticated user databases for trains Q1 and Q2 are called when processing user B's payment processing request, it will reduce the efficiency of processing the payment processing request, and thus reduce the efficiency of subsequent payment processing. Therefore, in some embodiments of this application, the time information when the user triggers the payment processing request can be used to reduce the amount of data called, thereby improving processing efficiency.

[0051] 203. The terminal checks whether the current network strength is greater than or equal to the preset value.

[0052] If the current wireless connection method is WiFi, the terminal is in a WiFi signal detection state. Specifically, the terminal can obtain the hotspot identifier of the WiFi signal detected by the WiFi chip. The hotspot identifier is used to represent the signal strength of the WiFi resource at its current state.

[0053] 204. If the terminal detects that the current network strength is less than the preset value, it will determine the payment method as offline payment.

[0054] The terminal can set the preset value to -90dBm. If the current network strength is less than -90dBm, the payment method will be determined as offline payment; if the current network strength is greater than or equal to -90dBm, the payment method will be determined as online payment. Furthermore, if the current network strength is greater than or equal to the preset value and there is updated data in the called authentication user database, the updated data will be obtained through the current network and the called authentication user database will be updated.

[0055] For example, in a scenario where a product is purchased on a train, if a user buys a ticket and boards the train at a stop along the way, the terminal can add the user's data to the authenticated user database corresponding to the terminal's device identifier to update the authenticated user database. During the subsequent payment process, the terminal selects the authenticated user account corresponding to the collected user information from the updated authenticated user database.

[0056] 205. The terminal processes the pending payment order using offline payment method based on the selected authenticated user account.

[0057] The terminal can add the user's order information to the user's corresponding account identifier. When the network strength is greater than or equal to the preset value, the updated account identifier is then uploaded to the server so that the server can process the pending payment order based on the updated account.

[0058] For a better understanding of the payment processing scheme in this application, please refer to [link / reference needed]. Figure 2b The flowchart above illustrates a graph-embedded payment processing system. Taking train ticket purchase as an example, given that all rail trains use real-name ticketing and the number of passengers on each train at each time period is fixed, each facial recognition device can retrieve the passenger information for that train from the cloud (i.e., the server) in advance when the train arrives at the station and store the facial feature database locally. While the train is in motion, the facial recognition device can process each user's facial recognition payment offline and record order information. When the train arrives at a station or the device network is stable, payments are processed in batches via automatic deduction. For example, if user A and user B are both traveling on train G12345, and there is a purchase point S in the second carriage, with attendant N holding a facial recognition device V in the second carriage, meaning that purchase point S corresponds to the device identifier of facial recognition device V, when user A passes through station K and purchases goods at purchase point S, facial recognition device V retrieves the corresponding authenticated user database from the server based on its location. When user B passes through station L and purchases goods at purchase point S, user A has already disembarked. Facial recognition device V then retrieves the corresponding authenticated user database from the server based on its location, but this database will not include user A's data. For detailed information on the specific purchase process, please refer to [link to relevant documentation]. Figure 2c While the train is in motion, the attendants sell various meals. The attendants enter the amount into a handheld facial recognition device and hand it to the passenger for facial recognition. The device records the order information and the payment user information. When in a strong network environment, the facial recognition device automatically checks the orders to be deducted and completes the deduction in batches.

[0059] The terminal in this application collects user information of pre-authenticated users, current device identifier, and network strength. Then, the terminal calls the authentication user database corresponding to the device identifier and selects the authentication user account corresponding to the collected user information from the database. Next, the terminal checks whether the current network strength is greater than or equal to a preset value. If the terminal detects that the current network strength is less than the preset value, it determines the payment method as offline payment. Finally, the terminal completes the processing of the pending payment order using the offline payment method based on the selected authentication user account. This application provides a terminal that can call the authentication user database corresponding to the device identifier, reducing the amount of data when verifying user information and improving verification efficiency. Furthermore, if the current network strength is less than the preset value, the processing of the pending payment order using the offline payment method further improves payment processing efficiency.

[0060] To facilitate better implementation of the payment processing method of this application, this application also provides a payment processing device (hereinafter referred to as a distribution device) based on the above-described payment processing apparatus. The meanings of these terms are the same as in the payment processing method described above, and specific implementation details can be found in the description of the method embodiments.

[0061] Please see Figure 3a , Figure 3a The schematic diagram of the payment processing device provided in this application shows that the distribution device may include a collection module 301, a calling module 302, a selection module 303, a detection module 304, a determination module 305, and a processing module 306, as follows: The data collection module 301 is used to collect user information, current device identifier, and network strength of pre-authenticated users.

[0062] Pre-authentication refers to the process by which a user is authenticated before entering the payment processing system. User information may include one or more of the following: user account information, fingerprint information, iris information, and facial information, depending on the actual situation. Device identification may include the company name and device model of the manufacturer, etc. Network strength refers to the current network strength of the device.

[0063] Module 302 is used to call the authentication user database corresponding to the device identifier.

[0064] In this application, each device has a corresponding database (i.e., an authenticated user database). Specifically, the calling module 302 can retrieve the authenticated user database corresponding to the device identifier from the server via the network. It should be noted that, since the time of each user's payment processing request may be inconsistent, optionally, in some embodiments, the calling module 302 may specifically include: The first determining unit is used to determine the current location information; The acquisition unit is used to acquire the time information when the user triggers the payment processing request; The calling unit is used to call the authenticated user database corresponding to the device identifier based on time information and determined location information.

[0065] Optionally, in some embodiments, the calling unit may specifically include: The sub-unit is used to centrally determine the payment period corresponding to the time information within a preset payment period; The calling sub-unit is used to call the authenticated user database corresponding to the device identifier based on the determined location information and payment period.

[0066] Optionally, in some embodiments, the calling subunit may be specifically used to: obtain a candidate user account database corresponding to the payment period, select a user account corresponding to the location information in the candidate user account database, and obtain an authenticated user database corresponding to the device identifier.

[0067] Optionally, in some embodiments, please refer to Figure 3b The processing device also includes an update module 307, which can be specifically used to: if the current network strength is greater than or equal to a preset value and there is updated data in the called authentication user database, obtain the updated data through the current network, update the called authentication user database according to the obtained updated data, and obtain the updated authentication user database. Module 302 can be used to: select the authentication user account corresponding to the collected user information in the updated authentication user database.

[0068] The selection module 303 is used to select the authentication user account corresponding to the collected user information from the invoked authentication user database.

[0069] The selection module 303 can use a pre-trained biometric similarity model to calculate the similarity between the target biometric and each reference biometric. For example, if both the target and reference biometrics are faces, the selection module 303 can use a face similarity model to calculate the similarity between the target and reference biometrics. Specifically, the selection module 303 can extract features from the face image, then calculate the similarity between the extracted features, and finally, the selection module 303 determines the authenticated user information with a similarity greater than or equal to a preset similarity as the authenticated user information that matches the collected user information. Optionally, in some embodiments, the selection module 303 may specifically include: The extraction unit is used to extract user information corresponding to each certified user account from the called certified user database, and obtain the certified user information corresponding to each certified user account. The matching unit is used to select the certified user information that matches the collected user information from the certified user information corresponding to each certified user account; The second determining unit is used to determine the authentication user account corresponding to the matched authentication user information as the authentication user account corresponding to the collected user information.

[0070] Optionally, in some embodiments, the second determining unit may be specifically used to: extract the user's biometric features from the collected user information to obtain target biometric features, and extract the biometric features of the corresponding certified user account from the certified user information to obtain reference biometric features corresponding to each certified user account, calculate the similarity between the target biometric features and each reference biometric feature, and determine the certified user information with a similarity greater than or equal to a preset similarity as certified user information that matches the collected user information.

[0071] The detection module 304 is used to detect whether the current network strength is greater than or equal to a preset value.

[0072] The determination module 305 is used to determine the payment method as offline payment if the current network strength is detected to be less than a preset value.

[0073] The determination module 305 can set the preset value to -90dBm. If the current network strength is less than -90dBm, the determination module 305 will determine the payment method as offline payment; if the current network strength is greater than or equal to -90dBm, the determination module 305 will determine the payment method as online payment.

[0074] Processing module 306 is used to process the pending payment order in an offline payment manner based on the selected authenticated user account.

[0075] The processing module 306 can add the user's order information to the user's corresponding account identifier. When the network strength is greater than or equal to the preset value, the updated account identifier is uploaded to the server so that the server can complete the processing of the pending payment order based on the updated account.

[0076] Optionally, in some embodiments, the processing module 306 may be specifically used to: add the order information of the order to be paid to the account identifier of the selected certified user account to obtain the updated account identifier; when the current network strength is detected to be greater than or equal to a preset value, upload the updated account identifier to the server so that the server can complete the processing of the order to be paid based on the updated account.

[0077] The acquisition module 301 of this application, after acquiring the user information of the pre-authenticated user, the current device identifier, and the network strength, calls the authentication user database corresponding to the device identifier in the calling module 302. Then, the determination module 303 selects the authentication user account corresponding to the acquired user information from the called authentication user database. Next, the detection module 304 checks whether the current network strength is greater than or equal to a preset value. If the determination module 305 detects that the current network strength is less than the preset value, it determines the payment method as offline payment. Finally, the processing module 306 completes the processing of the pending payment order using the offline payment method according to the selected authentication user account. The payment processing device provided by this application can call the authentication user database corresponding to the device identifier, which reduces the amount of data when verifying user information and improves the verification efficiency. Furthermore, if the current network strength is less than the preset value, the processing of the pending payment order is completed using the offline payment method, thereby improving the efficiency of payment processing.

[0078] In addition, this application also provides an electronic device, such as Figure 4 As shown, it illustrates the structural diagram of the electronic device involved in this application, specifically: The electronic device may include components such as a processor 401 with one or more processing cores, a memory 402 with one or more computer-readable storage media, a power supply 403, and an input unit 404. Those skilled in the art will understand that... Figure 4 The electronic device structure shown does not constitute a limitation on the electronic device and may include more or fewer components than shown, or combine certain components, or have different component arrangements. Wherein: The processor 401 is the control center of the electronic device. It connects various parts of the electronic device via various interfaces and lines. By running or executing software programs and / or modules stored in the memory 402, and by calling data stored in the memory 402, it performs various functions and processes data, thereby performing overall detection of the electronic device. Optionally, the processor 401 may include one or more processing cores; preferably, the processor 401 may integrate an application processor and a modem processor, wherein the application processor mainly handles the operating system, user interface, and applications, and the modem processor mainly handles wireless communication. It is understood that the modem processor may not be integrated into the processor 401.

[0079] The memory 402 can be used to store software programs and modules. The processor 401 executes various functional applications and data processing by running the software programs and modules stored in the memory 402. The memory 402 may mainly include a program storage area and a data storage area. The program storage area may store the operating system, application programs required for at least one function (such as sound playback function, image playback function, etc.), etc.; the data storage area may store data created according to the use of the electronic device, etc. In addition, the memory 402 may include high-speed random access memory, and may also include non-volatile memory, such as at least one disk storage device, flash memory device, or other volatile solid-state storage device. Accordingly, the memory 402 may also include a memory controller to provide the processor 401 with access to the memory 402.

[0080] The electronic device also includes a power supply 403 that supplies power to the various components. Preferably, the power supply 403 can be logically connected to the processor 401 through a power management system, thereby enabling functions such as charging, discharging, and power consumption management through the power management system. The power supply 403 may also include one or more DC or AC power supplies, recharging systems, power fault detection circuits, power converters or inverters, power status indicators, and other arbitrary components.

[0081] The electronic device may also include an input unit 404, which can be used to receive input digital or character information, and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

[0082] Although not shown, the electronic device may also include a display unit, etc., which will not be described in detail here. Specifically, in this embodiment, the processor 401 in the electronic device loads the executable files corresponding to the processes of one or more applications into the memory 402 according to the following instructions, and the processor 401 runs the applications stored in the memory 402 to realize various functions, as follows: Collect user information, current device identifier, and network strength of pre-authenticated users; call the authentication user database corresponding to the device identifier; select the authentication user account corresponding to the collected user information from the called authentication user database; check whether the current network strength is greater than or equal to a preset value; if the current network strength is less than the preset value, then determine the payment method as offline payment; and complete the processing of the pending payment order using offline payment method according to the selected authentication user account.

[0083] This application collects user information, current device identifier, and network strength of pre-authenticated users. It then calls the authentication user database corresponding to the device identifier and selects the authentication user account corresponding to the collected user information from the database. Next, it checks whether the current network strength is greater than or equal to a preset value. If the current network strength is less than the preset value, the payment method is determined to be offline payment. Finally, based on the selected authentication user account, the payment order is processed offline. The payment processing method provided by this application can call the authentication user database corresponding to the device identifier, reducing the amount of data when verifying user information and improving verification efficiency. Furthermore, if the current network strength is less than the preset value, the payment order is processed offline, thereby improving payment processing efficiency.

[0084] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be performed by instructions, or by instructions controlling related hardware. These instructions can be stored in a computer-readable storage medium and loaded and executed by a processor.

[0085] To this end, this application provides a storage medium storing a plurality of instructions that can be loaded by a processor to execute steps in any of the payment processing methods provided in this application. For example, the instructions can execute the following steps: Collect user information, current device identifier, and network strength of pre-authenticated users; call the authentication user database corresponding to the device identifier; select the authentication user account corresponding to the collected user information from the called authentication user database; check whether the current network strength is greater than or equal to a preset value; if the current network strength is less than the preset value, then determine the payment method as offline payment; and complete the processing of the pending payment order using offline payment method according to the selected authentication user account.

[0086] For details on the implementation of each of the above operations, please refer to the previous examples, which will not be repeated here.

[0087] The storage medium may include: read-only memory (ROM), random access memory (RAM), disk or optical disk, etc.

[0088] Since the instructions stored in the storage medium can execute the steps of any of the payment processing methods provided in this application, the beneficial effects that any of the payment processing methods provided in this application can achieve can be realized, as detailed in the preceding embodiments, and will not be repeated here.

[0089] According to one aspect of this application, a computer program product or computer program is provided, comprising computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the methods provided in the various alternative implementations described above.

[0090] The foregoing has provided a detailed description of a payment processing method, apparatus, electronic device, and storage medium provided in this application. Specific examples have been used to illustrate the principles and implementation methods of the present invention. The descriptions of the above embodiments are only for the purpose of helping to understand the method and core ideas of the present invention. At the same time, those skilled in the art will recognize that there will be changes in the specific implementation methods and application scope based on the ideas of the present invention. Therefore, the content of this specification should not be construed as a limitation of the present invention.

Claims

1. A payment processing method, characterized in that, include: Collect user information, current device identifier, and network strength of pre-authenticated users; Invoking the authentication user database corresponding to the device identifier includes: determining the current location information; obtaining the time information when the user triggers the payment processing request; and invoking the authentication user database corresponding to the device identifier based on the time information and the determined location information. And select the authentication user account corresponding to the collected user information from the invoked authentication user database; Check if the current network strength is greater than or equal to a preset value; If the current network strength is detected to be less than the preset value, the payment method will be determined as offline payment. Based on the selected verified user account, the order to be paid is processed using the offline payment method.

2. The method according to claim 1, characterized in that, The step of calling the authentication user database corresponding to the device identifier based on the time information and the determined location information includes: The payment period corresponding to the time information is determined within a preset payment period set; Based on the determined location information and payment period, the database of authenticated users corresponding to the device identifier is accessed.

3. The method according to claim 2, characterized in that, Based on the determined location information and payment period, the system retrieves the authenticated user database corresponding to the device identifier, including: Obtain the database of candidate user accounts corresponding to the payment period; Select the user account corresponding to the location information from the candidate user account database to obtain the authenticated user database corresponding to the device identifier.

4. The method according to any one of claims 1 to 3, characterized in that, The step of selecting the authentication user account corresponding to the collected user information from the invoked authentication user database includes: Extract the user information corresponding to each certified user account from the called certified user database to obtain the certified user information corresponding to each certified user account; Select the authentication user information that matches the collected user information from the authentication user information corresponding to each authentication user account, and determine the authentication user account corresponding to the matched authentication user information as the authentication user account corresponding to the collected user information.

5. The method according to claim 4, characterized in that, The step of selecting the authentication user information that matches the collected user information from the authentication user information corresponding to each authentication user account includes: Extracting user biometrics from collected user information yields target biometrics, and; Extract the biometric features corresponding to the certified user account from the certified user information to obtain the reference biometric features corresponding to each certified user account. Calculate the similarity between the target biometric feature and each reference biometric feature; Authentication user information with a similarity greater than or equal to a preset similarity is identified as authentication user information that matches the collected user information.

6. The method according to any one of claims 1 to 3, characterized in that, The step of processing the order to be paid using the offline payment method based on the selected authenticated user account includes: The order information of the pending payment order is added to the account identifier of the selected verified user account to obtain the updated account identifier; When the current network strength is detected to be greater than or equal to a preset value, the updated account identifier is uploaded to the server so that the server can process the pending payment order based on the updated account.

7. The method according to any one of claims 1 to 3, characterized in that, Also includes: If the current network strength is greater than or equal to the preset value, and there is updated data in the database of authenticated users, the updated data is obtained through the current network. The updated authentication user database is updated based on the obtained updated data to obtain the updated authentication user database. The step of selecting the authentication user account corresponding to the collected user information from the invoked authentication user database includes: selecting the authentication user account corresponding to the collected user information from the updated authentication user database.

8. A payment processing device, characterized in that, include: The data collection module is used to collect user information, current device identifier, and network strength of pre-authenticated users; The calling module is used to call the authentication user database corresponding to the device identifier; The selection module is used to select the authentication user account corresponding to the collected user information from the invoked authentication user database; The detection module is used to detect whether the current network strength is greater than or equal to a preset value; The determination module is used to determine the payment method as offline payment if the current network strength is detected to be less than a preset value. The processing module is used to process the order to be paid using the offline payment method based on the selected authenticated user account. The calling module includes: The first determining unit is used to determine the current location information; The acquisition unit is used to acquire the time information when the user triggers the payment processing request; The invocation unit is used to invoke the authentication user database corresponding to the device identifier based on the time information and the determined location information.

9. The apparatus according to claim 8, characterized in that, The invocation unit includes: A determining subunit is used to determine the payment period corresponding to the time information within a preset payment period set; The calling subunit is used to call the authenticated user database corresponding to the device identifier based on the determined location information and payment period.

10. The apparatus according to claim 9, characterized in that, The calling subunit is specifically used for: Obtain the database of candidate user accounts corresponding to the payment period; Select the user account corresponding to the location information from the candidate user account database to obtain the authenticated user database corresponding to the device identifier.

11. The apparatus according to any one of claims 8 to 10, characterized in that, The selection module includes: The extraction unit is used to extract user information corresponding to each certified user account from the called certified user database, and obtain the certified user information corresponding to each certified user account. The matching unit is used to select the certified user information that matches the collected user information from the certified user information corresponding to each certified user account; The second determining unit is used to determine the authentication user account corresponding to the matched authentication user information as the authentication user account corresponding to the collected user information.

12. The apparatus according to claim 11, characterized in that, The second determining unit is specifically used for: Extracting user biometrics from collected user information yields target biometrics, and; The biometric features of the corresponding certified user accounts are extracted from the certified user information to obtain the reference biometric features of each certified user account. Calculate the similarity between the target biometric feature and each reference biometric feature; Authentication user information with a similarity greater than or equal to a preset similarity is identified as authentication user information that matches the collected user information.

13. The apparatus according to any one of claims 8 to 10, characterized in that, The processing module is specifically used for: The order information of the pending payment order is added to the account identifier of the selected verified user account to obtain the updated account identifier; When the current network strength is detected to be greater than or equal to a preset value, the updated account identifier is uploaded to the server so that the server can process the pending payment order based on the updated account.

14. The apparatus according to any one of claims 8 to 10, characterized in that, The device also includes an update module; The update module is specifically used for: if the current network strength is greater than or equal to a preset value, and there is updated data in the called authentication user database, obtaining the updated data through the current network; updating the called authentication user database according to the obtained updated data, to obtain the updated authentication user database; The calling module is specifically used to: select the authentication user account corresponding to the collected user information in the updated authentication user database.

15. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein, When the processor executes the program, it implements the steps of the payment processing method as described in any one of claims 1-7.

16. A computer-readable storage medium, characterized in that, It stores a computer program, wherein the computer program, when executed by a processor, implements the steps of the payment processing method as described in any one of claims 1-7.

17. A computer program product, characterized in that, The computer program product includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the steps of the payment processing method as described in any one of claims 1-7.

Images