Payment transaction processing method and apparatus

Abstract

The embodiment of the present specification provides a payment service processing method and device, wherein the payment service processing method comprises the following steps: receiving a payment service processing request of a target user, and identifying user characteristic data of the target user; acquiring target identity information of the target user according to the user characteristic data; determining a target payment service processing rule according to the target identity information, and responding to the payment service processing request by using the target payment service processing rule. The integration of the acquisition of the target identity information and the payment service processing is realized, the convenience and efficiency of the payment service processing are improved, the efficiency, practicability and high promotion of the service processing platform are ensured, and the multi-scene applicability of the service processing platform is improved.

Description

Technical Field

[0001] The embodiments in this specification relate to the field of computer technology, and in particular to a payment processing method. Background Technology

[0002] With the rapid development of computer and internet technologies, online transactions have also grown rapidly. Users can conduct online transactions to obtain corresponding services, bringing great convenience to their lives. At the same time, to ensure users enjoy their due rights, payment processing platforms generally need to verify user identities offline or set up specific devices to identify users before processing payments based on their eligibility. However, as online transaction scenarios become increasingly diverse, the requirements for payment processing are also becoming more stringent. Summary of the Invention

[0003] In view of this, embodiments of this specification provide a payment processing method. One or more embodiments of this specification also relate to a payment processing apparatus, a computing device, a computer-readable storage medium, and a computer program, to address the technical deficiencies existing in the prior art.

[0004] According to a first aspect of the embodiments of this specification, a payment transaction processing method is provided, including:

[0005] Receive payment processing requests from target users and identify user characteristic data of the target users;

[0006] Based on the user characteristic data, obtain the target identity information of the target user;

[0007] Based on the target identity information, determine the target payment business processing rules, and respond to the payment business processing request using the target payment business processing rules.

[0008] Optionally, obtaining the target identity information of the target user based on the user feature data includes:

[0009] Obtain an identity authentication table, wherein the identity authentication table records the correspondence between user feature data and identity information;

[0010] Based on the user characteristic data, the target user's target identity information is retrieved from the identity authentication table.

[0011] Optionally, before obtaining the identity authentication information, the method further includes:

[0012] Obtain the initial identity information of each user from the identity authentication platform;

[0013] Based on the initial identity information of each user, the identity authentication table is established.

[0014] Optionally, the payment processing request carries a payment transaction identifier;

[0015] The step of determining the target payment transaction processing rules based on the target identity information includes:

[0016] Based on the payment service identifier, obtain the payment service processing rule table corresponding to the payment service identifier. The payment service processing rule table records the correspondence between identity information and payment service processing rules.

[0017] Based on the target identity information, the target payment business processing rule corresponding to the target identity information is retrieved from the payment business processing rule table.

[0018] Optionally, before obtaining the payment transaction processing rule table corresponding to the payment transaction identifier, the method further includes:

[0019] Receive at least one initial payment transaction processing rule corresponding to the payment transaction identifier;

[0020] Based on the at least one initial payment transaction processing rule, a payment transaction processing rule table corresponding to the payment transaction identifier is established.

[0021] Optionally, the payment processing request carries an initial resource value;

[0022] The step of responding to the payment processing request using the target payment processing rules includes:

[0023] Calculate the target resource value corresponding to the target identity information based on the target payment business processing rules and the initial resource value;

[0024] Based on the target resource value, execute the payment processing operation corresponding to the payment processing request.

[0025] Optionally, calculating the target resource value corresponding to the target identity information based on the target payment business processing rules and the initial resource value includes:

[0026] When there are multiple target identity information, for any target identity information, according to the target payment business processing rules corresponding to the target identity information and the initial resource value, calculate the alternative resource value corresponding to the target identity information to obtain multiple alternative resource values;

[0027] The candidate resource value that is less than a preset threshold among the multiple candidate resource values ​​is determined as the target resource value.

[0028] According to a second aspect of the embodiments of this specification, a payment transaction processing apparatus is provided, comprising:

[0029] The receiving module is configured to receive payment processing requests from target users and identify user characteristic data of the target users;

[0030] The acquisition module is configured to acquire the target identity information of the target user based on the user feature data;

[0031] The response module is configured to determine the target payment business processing rules based on the target identity information, and respond to the payment business processing request using the target payment business processing rules.

[0032] Optionally, the acquisition module is further configured to:

[0033] Obtain an identity authentication table, wherein the identity authentication table records the correspondence between user feature data and identity information;

[0034] Based on the user characteristic data, the target user's target identity information is retrieved from the identity authentication table.

[0035] Optionally, the device further includes a first establishment module configured to:

[0036] Obtain the initial identity information of each user from the identity authentication platform;

[0037] Based on the initial identity information of each user, the identity authentication table is established.

[0038] Optionally, the payment processing request carries a payment transaction identifier;

[0039] The response module is also configured to:

[0040] Based on the payment service identifier, obtain the payment service processing rule table corresponding to the payment service identifier. The payment service processing rule table records the correspondence between identity information and payment service processing rules.

[0041] Based on the target identity information, the target payment business processing rule corresponding to the target identity information is retrieved from the payment business processing rule table.

[0042] Optionally, the device further includes a second establishment module configured to:

[0043] Receive at least one initial payment transaction processing rule corresponding to the payment transaction identifier;

[0044] Based on the at least one initial payment transaction processing rule, a payment transaction processing rule table corresponding to the payment transaction identifier is established.

[0045] Optionally, the payment processing request carries an initial resource value;

[0046] The response module is also configured to:

[0047] Calculate the target resource value corresponding to the target identity information based on the target payment business processing rules and the initial resource value;

[0048] Based on the target resource value, execute the payment processing operation corresponding to the payment processing request.

[0049] Optionally, the response module is further configured to:

[0050] When there are multiple target identity information, for any target identity information, according to the target payment business processing rules corresponding to the target identity information and the initial resource value, calculate the alternative resource value corresponding to the target identity information to obtain multiple alternative resource values;

[0051] The candidate resource value that is less than a preset threshold among the multiple candidate resource values ​​is determined as the target resource value.

[0052] According to a third aspect of the embodiments of this specification, a computing device is provided, comprising:

[0053] Memory and processor;

[0054] The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions:

[0055] Receive payment processing requests from target users and identify user characteristic data of the target users;

[0056] Based on the user characteristic data, obtain the target identity information of the target user;

[0057] Based on the target identity information, determine the target payment business processing rules, and respond to the payment business processing request using the target payment business processing rules.

[0058] According to a fourth aspect of the embodiments of this specification, a computer-readable storage medium is provided that stores computer-executable instructions, which, when executed by a processor, implement the steps of any of the payment transaction processing methods described herein.

[0059] According to a fifth aspect of the embodiments of this specification, a computer program is provided, wherein when the computer program is executed in a computer, it causes the computer to perform the steps of the payment business processing method described above.

[0060] This specification provides a payment processing method that involves receiving a payment processing request from a target user and identifying the target user's user characteristic data; then, based on the user characteristic data, obtaining the target user's target identity information; furthermore, determining target payment processing rules based on the target identity information, and responding to the payment processing request using the target payment processing rules. This method integrates the acquisition of target identity information and payment processing operations, improving the convenience and efficiency of payment processing, ensuring the efficiency, practicality, and widespread applicability of the processing platform, and enhancing its multi-scenario applicability. Attached Figure Description

[0061] Figure 1 This is a flowchart illustrating a payment processing method provided in one embodiment of this specification;

[0062] Figure 2 This is a schematic diagram illustrating an application scenario of a payment processing method provided in one embodiment of this specification;

[0063] Figure 3 This is a flowchart of another payment transaction processing method provided in one embodiment of this specification;

[0064] Figure 4 This is a schematic diagram of the structure of a payment processing system provided in one embodiment of this specification;

[0065] Figure 5 This is a flowchart illustrating the processing procedure of a payment transaction processing method provided in one embodiment of this specification;

[0066] Figure 6 This is a schematic diagram of the structure of a payment processing device provided in one embodiment of this specification;

[0067] Figure 7 This is a structural block diagram of a computing device provided in one embodiment of this specification. Detailed Implementation

[0068] Many specific details are set forth in the following description to provide a full understanding of this specification. However, this specification can be implemented in many other ways than those described herein, and those skilled in the art can make similar extensions without departing from the spirit of this specification. Therefore, this specification is not limited to the specific implementations disclosed below.

[0069] The terminology used in one or more embodiments of this specification is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of this specification. The singular forms “a,” “described,” and “the” as used in one or more embodiments of this specification and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term “and / or” as used in one or more embodiments of this specification refers to any or all possible combinations including one or more of the associated listed items.

[0070] It should be understood that although the terms first, second, etc., may be used to describe various information in one or more embodiments of this specification, such information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, first may also be referred to as second without departing from the scope of one or more embodiments of this specification, and similarly, second may also be referred to as first. Depending on the context, the word "if" as used herein may be interpreted as "when," "when," or "in response to a determination."

[0071] First, the payment business processing method involved in one or more embodiments of this specification will be described.

[0072] In the competition among business processing platforms, the main competition lies in client-side users. Business processing platforms with strong social relationship chains can reap significant benefits by facilitating online transactions through these relationships. Besides the inherent relationship attributes, clients also possess identity attributes, such as students, employees, and seniors. These identity attributes generate numerous payment processing opportunities. For example: 1) Many specific scenarios offer discounts to specific groups, such as half-price tickets for students at scenic spots, negotiated rates for company employees, and half-price bus fares for seniors over 60; 2) Due to subsidies for school cafeteria food, students can dine in the school cafeteria, while outsiders are not permitted to do so. Currently, there are two approaches to handling these transaction scenarios: 1) Decoupling identity and payment: Identity verification is completed offline, and then the service provider manually enters the discount in the transaction system to complete the transaction. For example, some company employees can have negotiated prices at certain places. Currently, in offline scenarios, the employee first shows their employee ID, the service provider applies the discount, and then the employee completes the transaction. Another example is that students can enjoy a 50% discount at some tourist attractions, but they need to show their student ID, and the attraction applies the discount before the purchase, which requires offline identity verification. However, this method relies on traditional identity verification methods, which are easy to forge, leading to numerous instances of fraud and increasing the difficulty and complexity of transactions. 2) Using specific equipment and media to achieve identity recognition and transactions. For example, senior citizens over 60 years old can get a 50% discount on bus fares, but they must first obtain a senior citizen card. Similarly, students need to use their student ID cards to eat in the cafeteria, requiring specific equipment and identification. However, this method requires deploying equipment, which is costly, difficult to promote, and there will always be cases where people forget their cards.

[0073] Therefore, this specification provides a payment processing method that receives a payment processing request from a target user and identifies the target user's user characteristic data; obtains the target user's target identity information based on the user characteristic data; determines the target payment processing rules based on the target identity information; and responds to the payment processing request using the target payment processing rules. This integrates identity authentication and online transactions, that is, it integrates the acquisition of target identity information and payment processing operations, eliminating the need for offline verification and customized equipment. Through a business processing platform, such as a payment code, a one-stop experience for identity authentication and online transactions can be achieved. Furthermore, by identifying user characteristic data, the target identity information can be obtained, effectively linking it to service provider discounts and other benefits, ensuring users enjoy their due rights. This guarantees the efficiency, practicality, and high scalability of the business processing platform, improves its applicability across multiple scenarios, and avoids the problem of traditional cards being easily lost.

[0074] This specification provides a payment processing method, and also relates to a payment processing apparatus, a computing device, and a computer-readable storage medium, which will be described in detail in the following embodiments.

[0075] Figure 1 A flowchart of a payment transaction processing method according to an embodiment of this specification is shown, which specifically includes the following steps.

[0076] Step 102: Receive the payment transaction processing request from the target user and identify the user characteristic data of the target user.

[0077] Specifically, a payment processing request refers to a request initiated by a user or service recipient when receiving a service from a merchant or service provider. For example, a transaction request initiated by a user when enjoying a service through an online transaction via the internet (such as using a mobile phone or computer). The target user refers to the user or service recipient who initiates the payment processing request. User characteristic data can be information that represents the target user, such as identity number, name, mobile phone number, account, etc., or it can be the target user's biometric data, such as fingerprint, voiceprint, iris, etc.

[0078] In practical applications, users or service recipients can conduct online transactions to obtain corresponding services. When a user enjoys a service through the network, they need to submit a payment processing request to the business processing platform based on the service they are enjoying, which further triggers the identification operation to identify the user characteristic data of the target user.

[0079] In addition, the payment processing request may also carry at least one of the following: service identifier, initial resource value and time corresponding to the service, payment transaction identifier, merchant identifier, etc.

[0080] This manual provides many payment processing methods; for example, see [link to relevant documentation]. Figure 2 , Figure 2 This document illustrates an application scenario of a payment processing method provided in one embodiment of this specification. The payment processing method provided in this specification is applicable to scenarios involving identity (identity identifier), online transactions, and payment processing operations. Examples include: Scenario A: Scenarios where specific identities can participate, including A1 school cafeterias, A2 various member shops, and A3 specific cafeterias or merchants of a company; Scenario B: Scenarios where special identities enjoy subsidies, including B1 elderly people's public transportation and tourism, B2 students' ticket purchases and tourism, and B3 disabled people or doctors' ticket purchases and tourism; Scenario C: Scenarios for attracting customers to merchants, including C1 student prices, C2 repurchase prices, and C3 member prices.

[0081] Based on the received payment processing identifier, the system further identifies the target user's user characteristic data. This can be achieved through electronic device identification, i.e., card swiping identification, such as identification of public transport cards, meal cards, student cards, senior citizen cards, etc., by identifying the user's card to obtain the target user's user characteristic data; or through biometric identification, such as facial recognition, fingerprint recognition, voice recognition, iris recognition, etc., by identifying the user's physical characteristics (such as facial expressions, fingerprints, voice, iris, etc.) to obtain the target user's user characteristic data. This specification does not limit the method for identifying the target user's user characteristic data.

[0082] In one or more optional embodiments of this specification, in order to improve the accuracy and speed of obtaining user feature data, a user feature data table can be obtained first, and then user feature data can be determined from the user feature data table based on the target user identifier carried in the payment transaction processing request. That is, when the payment transaction processing request carries a target user identifier, the user feature data of the target user can be identified. The specific implementation process can be as follows:

[0083] Obtain a user feature data table, wherein the user feature data table records the correspondence between user identifiers and user feature data;

[0084] Based on the target user identifier, retrieve the user feature data of the target user from the user feature data table.

[0085] Specifically, the user feature data table is a pre-established collection that stores user feature data. The user feature data table also records the correspondence between user identifiers and user feature data, that is, each user feature data in the user feature data table is associated with a user corresponding to a certain user identifier.

[0086] In practical applications, the user feature data table can be stored in a user feature database. Upon receiving a payment processing request, the user feature data table will be retrieved, meaning it will first be retrieved from the user feature database. Since the user feature data table records the correspondence between user identifiers and user feature data, the user feature data corresponding to the target user identifier—that is, the target user's user feature data—can be found from the user feature data table based on this correspondence and the target user identifier carried in the payment processing request. This effectively improves the efficiency of identifying user feature data and increases the accuracy of the retrieved user feature data.

[0087] Refer to Table 1, which illustrates a user feature data table. Based on the payment processing request, the user feature data table is retrieved, as shown in Table 1. It includes the correspondence between five user identifiers and user feature data: user identifier A1 corresponds to user feature data a1, user identifier A2 corresponds to user feature data a2, user identifier A3 corresponds to user feature data a3, user identifier A4 corresponds to user feature data a4, and user identifier A5 corresponds to user feature data a5. Then, based on the target user identifier A4, the user feature data is retrieved from the user feature data table corresponding to user identifiers A1, A2, A3, A4, and A5. Therefore, user feature data a4 represents the target user's user feature data.

[0088] Table 1. User Feature Data Table

[0089] User ID A1 A2 A3 A4 A5 User characteristic data a1 a2 a3 a4 a5

[0090] It should be noted that to obtain the user feature data table, the user feature data table must first be created to ensure that it can be obtained. In other words, before obtaining the user feature data table, the following steps are also required:

[0091] Based on each user's user identifier, the initial user feature data of each user is obtained from the user feature data authentication platform;

[0092] Based on the initial user characteristic data of each user, the user characteristic data table is established.

[0093] Specifically, a user feature data platform refers to a platform for user feature data authentication, such as a platform for employee fingerprint data authentication, a platform for student meal card data authentication, and a platform for personal account data authentication, etc.; initial user feature data refers to user feature data obtained directly from the user feature data platform.

[0094] In practical applications, a user feature data table needs to be established before obtaining the user feature data table. This means that a user first authenticates certain user feature data or user feature data on a user feature data authentication platform. After successful authentication, the platform saves the authenticated user feature data. When a user feature data authentication table needs to be established, the business processing platform retrieves the user's initial user feature data from the authentication platform based on the user's identifier. A user feature data table is then established based on each user's initial user feature data, and the corresponding user identifier for each initial user feature data is determined. This means the user feature data table records the correspondence between user identifiers and user feature data. In this way, obtaining initial user feature data through the authentication platform ensures the credibility and authenticity of the initial user feature data, thereby improving the credibility and authenticity of the user feature data table established based on the initial user feature data, and ultimately enhancing the reliability of payment processing. Furthermore, there can be one or more user feature data authentication platforms, and one user identifier can correspond to one or more initial user feature data sets; that is, the same user can have at least one set of initial user feature data sets.

[0095] It should be noted that users can bind their physical employee ID cards, physical campus cards, biometric data, etc., on the user feature data authentication platform to establish user feature data. For example, user feature data authentication can be completed through facial recognition, digital certificates, authorization agreements, etc., to determine the initial user feature data.

[0096] Step 104: Obtain the target identity information of the target user based on the user feature data.

[0097] Based on receiving the payment processing request from the target user and identifying the user's characteristic data, the target user's target identity information can be further obtained based on the user characteristic data.

[0098] Specifically, the target user's target identity information refers to the information corresponding to the target user's identity, such as ordinary user, member, student, special group, employee of a company, etc.

[0099] In practical applications, after identifying the user characteristic data of the target user, the target identity information corresponding to the user characteristic data can be directly obtained based on the user characteristic data, that is, the target identity information of the target user; an identity authentication table can be obtained, and then the target identity information of the target user can be selected from the identity authentication table based on the user characteristic data.

[0100] In one or more optional embodiments of this specification, in order to improve the accuracy and speed of obtaining target identity information, the target user's target identity information can be retrieved from a pre-established identity authentication table. That is, the target user's target identity information can be obtained based on the user feature data. The specific implementation process can be as follows:

[0101] Obtain an identity authentication table, wherein the identity authentication table records the correspondence between user feature data and identity information;

[0102] Based on the user characteristic data, the target user's target identity information is retrieved from the identity authentication table.

[0103] Specifically, the identity authentication table is a pre-established collection that stores identity information. The identity authentication table also records the correspondence between user feature data and identity information, that is, each piece of identity information in the identity authentication table is associated with a certain user feature data.

[0104] In practical applications, the identity authentication table can be stored in an identity authentication database. After identifying the user's characteristic data of the target user, the identity authentication table will be retrieved, that is, it will first be retrieved from the identity authentication database. Since the identity authentication table records the correspondence between user characteristic data and identity information, the target identity information corresponding to the user's characteristic data, i.e., the target user's target identity information, can be found from the identity authentication table based on the correspondence between user characteristic data and identity information, as well as the user characteristic data. In this way, the efficiency of finding target identity information can be effectively improved, and the accuracy of the obtained target identity information can be improved.

[0105] Referring to Table 2, which illustrates an identity authentication table, five user feature data correspondences are listed: user feature data B1 corresponds to identity information b1, user feature data B2 corresponds to identity information b2, user feature data B3 corresponds to identity information b3, user feature data B4 corresponds to identity information b4, and user feature data B5 corresponds to identity information b5. Then, based on user feature data B2, the target user's target identity information is retrieved from the identity information corresponding to user feature data B1, B2, B3, B4, and B5—that is, from the identity authentication table. Therefore, target identity information b2 is the target user's target identity information.

[0106] Table 2. One type of identity authentication table

[0107] User characteristic data B1 B2 B3 B4 B5 Identity information b1 B2 B3 B4 B5

[0108] It should be noted that obtaining the identity authentication table requires first establishing the identity authentication table to guarantee its success. In other words, before obtaining the identity authentication table, the following steps are also required:

[0109] Obtain the initial identity information of each user from the identity authentication platform;

[0110] Based on the initial identity information of each user, the identity authentication table is established.

[0111] Specifically, an identity authentication platform refers to a platform where users authenticate their identities, such as a platform for employee identity authentication, a platform for student identity authentication, and so on; initial identity information refers to identity information obtained directly from the identity authentication platform.

[0112] In practical applications, an identity authentication table needs to be established before obtaining it. This means that a user first authenticates themselves on an identity authentication platform, and after successful authentication, the platform saves the user's authenticated identity information. When an identity authentication table needs to be established, the business processing platform obtains the user's initial identity information from the platform where the user authenticated themselves. Based on this initial identity information, an identity authentication table is built, and the corresponding user characteristic data for each initial identity information is determined. In other words, the identity authentication table records the correspondence between user characteristic data and identity information. Thus, obtaining initial identity information through the identity authentication platform ensures the credibility and authenticity of this information, thereby improving the credibility and authenticity of the identity authentication table built upon it, and ultimately enhancing the reliability of payment processing. Furthermore, there can be one or more identity authentication platforms, and a user can have one or more initial identity information sets; that is, the same user can have at least one initial identity information set.

[0113] Step 106: Determine the target payment business processing rules based on the target identity information, and respond to the payment business processing request using the target payment business processing rules.

[0114] Based on the user characteristic data, the target user's identity information is obtained, and then the payment business processing request is responded to based on the target identity information.

[0115] Specifically, target payment processing rules can be strategies, schemes, and modes for executing payment processing operations, i.e., responding to payment processing requests, such as target reconciliation strategies, target discount schemes, and target settlement modes. Payment processing operations refer to the operations indicated by the payment processing request, i.e., the operations performed by the processing platform when a user receives a service from a service provider. Examples include transaction operations performed by the processing platform when a user uses the internet (such as a mobile phone or computer) to enjoy a service through online transactions, as well as resource value deduction operations and payment operations.

[0116] In practical applications, after obtaining the target identity information, the payment processing operation to be executed can be determined based on the payment processing request. Then, based on the target identity information, the target payment processing rule for executing the payment processing operation can be determined and executed, which is equivalent to responding to the payment processing request. Alternatively, the initial payment processing operation corresponding to the payment processing request can be determined first, and then the target payment processing rule corresponding to the target identity information can be determined. Based on the target payment processing rule, the parameters in the initial payment processing operation can be adjusted to obtain the target payment processing operation and execute it, which is equivalent to responding to the payment processing request.

[0117] For example, after obtaining the target identity information, the corresponding target payment processing rule can be found. Then, based on the found target payment processing rule, the payment processing operation corresponding to the target processing method can be determined and executed, i.e., responding to the payment processing request. In this way, determining the target payment processing rule based on the target identity information allows for accurate identification of the user's rights, i.e., the target payment processing rule. Responding to the payment processing request based on the target payment processing rule effectively improves the efficiency of payment processing and increases the accuracy of the obtained target identity information.

[0118] Optionally, the target identity information can correspond to a single target payment processing rule, meaning that the target identity information uniquely corresponds to one target payment processing rule. For example, if the target identity information is a regular member of a merchant, the target payment processing rule for a regular member of a merchant is a 20% discount; or if the target identity information is a premium member of a merchant, the target payment processing rule for a premium member of a merchant is a 40% discount.

[0119] Optionally, the target identity information can correspond to multiple target payment business processing rules. For example, if the target identity information is an employee of a company, there are two target processing methods corresponding to an employee of a company: the first target payment business processing rule is "buy five, get two free," and the second target payment business processing rule is a 30% discount.

[0120] It should be noted that when determining the target payment processing rule corresponding to the target identity information, one can first obtain the payment processing rule table based on the payment service identifier carried in the payment processing request, and then obtain the target payment processing rule corresponding to the target identity information from the payment processing rule table. That is, when the payment processing request carries a payment service identifier, the specific implementation process of determining the target payment processing rule based on the target identity information can be as follows:

[0121] Based on the payment service identifier, obtain the payment service processing rule table corresponding to the payment service identifier. The payment service processing rule table records the correspondence between identity information and payment service processing rules.

[0122] Based on the target identity information, the target payment business processing rule corresponding to the target identity information is retrieved from the payment business processing rule table.

[0123] Specifically, the payment transaction identifier can be the identifier of the payment transaction corresponding to the payment transaction processing request, such as the identifier for purchasing a train ticket, or it can be the identifier of the service provider, such as its name, address, or trademark. The payment transaction processing rule table is a pre-established collection that stores payment transaction processing rules. The payment transaction processing rule table also records the correspondence between identity information and payment transaction processing rules, that is, each payment transaction processing rule in the payment transaction processing rule table has its corresponding identity information.

[0124] In practical applications, payment processing rule tables can be stored in a payment processing rule database. This database stores the corresponding payment processing rule tables along with their associated payment service identifiers for easy retrieval. After obtaining the target identity information, the payment service identifier carried in the payment processing request is matched against various payment processing rule tables in the database. The matching rule table is the one corresponding to the payment service identifier. Alternatively, payment processing rule tables can be provided by the service provider corresponding to the payment service identifier. In this case, after obtaining the payment service identifier, the processing platform retrieves the corresponding payment processing rule table from the service provider based on the identifier.

[0125] Furthermore, after obtaining the payment processing rule table corresponding to the payment transaction identifier, since the payment processing rule table records the correspondence between identity information and payment processing rules, the payment processing rule corresponding to the target identity information, i.e., the target payment processing rule, can be found from the payment processing rule table based on the target identity information and the correspondence between identity information and payment processing rules. This effectively improves the efficiency of finding the target payment processing rule and also increases the accuracy of obtaining the target payment processing rule.

[0126] Furthermore, before obtaining the payment processing rule table corresponding to the payment transaction identifier, it is necessary to first establish the payment processing rule table corresponding to the payment transaction identifier to ensure that the payment processing rule table corresponding to the payment transaction identifier is obtained based on the payment transaction identifier. That is, before obtaining the payment processing rule table corresponding to the payment transaction identifier based on the payment transaction identifier, the process also includes:

[0127] Receive at least one initial payment transaction processing rule corresponding to the payment transaction identifier;

[0128] Based on the at least one initial payment transaction processing rule, a payment transaction processing rule table corresponding to the payment transaction identifier is established.

[0129] Specifically, the initial payment processing rules refer to the payment processing rules set by the server for different identities or identity information.

[0130] In practical applications, before obtaining the payment processing rule table corresponding to the payment transaction identifier, it is necessary to first establish a payment processing rule table corresponding to the payment transaction identifier. The service provider corresponding to the payment transaction identifier first sets the payment processing rules for each identity information, obtaining at least one initial payment processing rule, and synchronizes it to the business processing platform, i.e., receiving at least one initial payment processing rule corresponding to the payment transaction identifier. At this point, the business processing platform, based on the received at least one initial payment processing rule, establishes the payment processing rule table corresponding to the payment transaction identifier and determines the identity information corresponding to the initial payment processing rule, i.e., the payment processing rule table records the correspondence between identity information and payment processing rules. Thus, by receiving at least one initial payment processing rule corresponding to the payment transaction identifier, the feasibility and authenticity of the initial payment processing rules are ensured, thereby improving the feasibility and authenticity of the payment processing rule table established based on the initial payment processing rules, and consequently, improving the reliability of payment processing.

[0131] In one or more optional embodiments of this specification, the payment processing request may also carry an initial resource value. In this case, the target resource value can be determined based on the target payment processing rule and the initial resource value, and then the payment processing request can be responded to based on the target resource value. That is, when the payment processing request carries an initial resource value, the specific implementation process of responding to the payment processing request using the target payment processing rule is as follows:

[0132] Calculate the target resource value corresponding to the target identity information based on the target payment business processing rules and the initial resource value;

[0133] Based on the target resource value, execute the payment processing operation corresponding to the payment processing request.

[0134] Specifically, the initial resource value refers to the resource value that a user should have paid or exchanged for with the service provider when enjoying a certain service. The resource value can be a numerical value corresponding to assets, currency, etc.; the target resource value refers to the resource value that a user should actually pay or exchange for with the service provider when enjoying a certain service based on the user's identity.

[0135] In practical applications, when responding to payment processing requests using target payment processing rules (i.e., when performing payment processing), the initial resource value carried in the payment processing request can be processed based on the target payment processing rules to calculate the target resource value corresponding to the target identity information. Furthermore, the payment processing operation corresponding to the target resource value is executed; that is, the payment processing operation corresponding to the payment processing request is executed based on the target resource value. In this way, the target resource value can be accurately determined, thereby improving the accuracy of payment processing.

[0136] When there is only one target identity, the target resource value corresponding to the target identity is calculated based on the target identity and the initial resource value. When there are multiple target identities, alternative resource values ​​corresponding to each identity can be calculated based on the initial resource value and the target payment business processing rules corresponding to each identity, and then the target resource value is determined according to preset rules. That is, the specific implementation process of calculating the target resource value corresponding to the target identity based on the target payment business processing rules and the initial resource value can be as follows:

[0137] When there are multiple target identity information, for any target identity information, according to the target payment business processing rules corresponding to the target identity information and the initial resource value, calculate the alternative resource value corresponding to the target identity information to obtain multiple alternative resource values;

[0138] The candidate resource value that is less than a preset threshold among the multiple candidate resource values ​​is determined as the target resource value.

[0139] Specifically, the preset threshold can be a preset rule, that is, a preset value used to measure whether the candidate resource value meets the requirement.

[0140] In practical applications, a target user may have multiple identities relative to the payment processing or service provider, meaning there are multiple target identity information. In this case, it's necessary to calculate alternative resource values ​​based on the target payment processing rules and initial resource values ​​corresponding to each target identity information. That is, each target identity information must correspond to at least one alternative resource value, and since there are multiple target identities, there are also multiple alternative resource values. These alternative resource values ​​are then filtered, and those lower than a preset threshold are determined as the target resource value. Preferably, the smallest alternative resource value among the multiple alternative resource values ​​is determined as the target resource value. This ensures that the target resource value is low, thereby maximizing the protection of the user's rights when performing payment processing operations based on the target resource value. By setting a preset threshold, the target resource value can be determined relatively quickly, which helps improve the efficiency of payment processing operations.

[0141] For example, a user is both an employee and a super member of a company, meaning they have two target identities: employee and super member. The target payment processing rule for employees is a 50% discount; the target payment processing rule for super members is a 60% discount. Assuming an initial resource value of 80, the alternative resource value calculated based on the target payment processing rule (50% discount) and the initial resource value of 80 is 40. The alternative resource value calculated based on the target payment processing rule (60% discount) and the initial resource value of 80 is 48. If the preset threshold is 45, then the alternative resource value of 40 becomes the target resource value.

[0142] Optionally, when there are multiple target identity information, multiple target identity information can be fed back to the target user, who can then select one of the target identity information. The business processing platform then calculates the target resource value based on the target payment business processing rules and initial resource value corresponding to the target identity information selected by the target user.

[0143] Optionally, if there are multiple target identity information entries, a superimposed target payment processing rule can be determined based on these multiple target identity information entries. Then, based on the superimposed target payment processing rule and the initial resource value, a target resource value is calculated. That is, a target resource value is determined based on the superposition of multiple target identity information entries and the initial resource value. Continuing with the previous example, the target payment processing rule for employees is 50% off; the target payment processing rule for super members is 60% off. Therefore, by superimposing the two target identity information entries (50% off + 60% off), i.e., 0.5 * 0.6 = 0.3), the superimposed target payment processing rule is 30% off. At this point, the target resource value calculated based on the superimposed target payment processing rule—30% off—and the initial resource value of 80 is 24.

[0144] See Figure 3 , Figure 3 A flowchart illustrating another payment processing method provided in one embodiment of this specification is shown: First, the merchant side is configured based on the merchants associated with the processing platform and the platform's built-in discounts, configuring discount information. The merchants associated with the processing platform are the service providers, and the discount information is the payment processing rules. Then, the merchant's discount information is associated with the processing platform. Simultaneously, the processing platform associates initial identity information from the identity authentication platform to construct an identity authentication table. Upon receiving a payment processing request from the user, i.e., the user, the payment processing operation is executed.

[0145] See Figure 4 , Figure 4 This specification illustrates a schematic diagram of a payment processing system according to an embodiment. The system is divided into four parts: The first part is the application unit, also known as the related parties, such as organizations (enterprises, schools, communities), clients (applications, web pages, mini-programs), and merchants (applications, web pages, mini-programs). The second part is the core processing unit, used for online transaction processing based on identity verification. It mainly includes an identity authentication subunit and a mode subunit, where the identity authentication subunit performs identity authentication, and the mode subunit sets the online transaction mode. The third part is the calculation unit, used to calculate target resource values ​​to facilitate payment processing operations. The fourth part is the associated platform, used to set up platforms associated with the payment processing system, such as customer platforms, merchant platforms, discount platforms, coupon platforms, and risk control platforms.

[0146] This specification provides a payment processing method that receives a payment processing request from a target user and identifies the target user's user characteristic data; obtains the target user's target identity information based on the user characteristic data; determines target payment processing rules based on the target identity information; and responds to the payment processing request using the target payment processing rules. This method integrates identity information acquisition and payment processing operations, improving the convenience and efficiency of payment processing, ensuring the efficiency, practicality, and high scalability of the processing platform, enhancing its applicability across multiple scenarios, and avoiding the problem of easily lost traditional cards. Furthermore, it integrates identity authentication and online transactions, meaning it integrates the acquisition of target identity information and payment processing operations, eliminating the need for offline verification and customized equipment. Users can directly achieve a one-stop experience for identity authentication and online transactions through the processing platform. Moreover, by determining the target identity information through the identified user characteristic data, it can effectively link it to discounts and other benefits offered by service providers, ensuring users enjoy their due rights.

[0147] The following is in conjunction with the appendix Figure 5Taking the application of the payment processing method provided in this specification in a real-world scenario as an example, the payment processing method will be further explained. Figure 5 This specification illustrates a flowchart of a payment processing method according to an embodiment, which includes the following steps.

[0148] Step 502: Receive the payment processing request from the target user, wherein the payment processing request carries an initial resource value.

[0149] Step 504: Identify the user characteristic data of the target user.

[0150] Step 506: Obtain the identity verification form.

[0151] The identity authentication table records the correspondence between user characteristic data and identity information.

[0152] Step 508: Based on the user characteristic data, retrieve the target user's target identity information from the identity authentication table.

[0153] Before obtaining the identity verification form, the following steps are also included:

[0154] Obtain the initial identity information of each user from the identity authentication platform;

[0155] An identity authentication table is established based on each user's initial identity information.

[0156] Step 510: Obtain the payment transaction processing rule table corresponding to the payment transaction identifier carried in the payment transaction processing request.

[0157] Step 512: Based on the target identity information, find the target payment business processing rule corresponding to the target identity information from the payment business processing rule table.

[0158] Optionally, before obtaining the payment transaction processing rule table corresponding to the payment transaction identifier, the method further includes:

[0159] Receive at least one initial payment transaction processing rule corresponding to the payment transaction identifier;

[0160] Based on at least one initial payment transaction processing rule, establish a payment transaction processing rule table corresponding to the payment transaction identifier.

[0161] Step 514: If there is one target identity information, calculate the target resource value corresponding to the target identity information according to the target payment business processing rules and the initial resource value.

[0162] Step 516: When there are multiple target identity information, for any target identity information, calculate the alternative resource value corresponding to the target identity information according to the target payment business processing rule and the initial resource value, and obtain multiple alternative resource values.

[0163] Step 518: Select the candidate resource values ​​that are less than a preset threshold from among the multiple candidate resource values ​​as the target resource values.

[0164] Step 520: Based on the target resource value, execute the payment processing operation corresponding to the payment processing request.

[0165] This manual provides a payment processing method that integrates the acquisition of target identity information with payment processing operations, improving the convenience and efficiency of payment processing and ensuring the high efficiency and widespread applicability of the processing platform. Furthermore, it integrates identity authentication and online transactions, meaning it combines the acquisition of target identity information with payment processing operations, eliminating the need for offline verification and customized equipment. Users can directly access a one-stop experience for identity authentication and online transactions through the processing platform. Moreover, by identifying user characteristic data to determine target identity information, it can be effectively linked to discounts and other benefits from service providers, ensuring users enjoy their due rights.

[0166] Corresponding to the above method embodiments, this specification also provides embodiments of a payment processing device. Figure 6 A schematic diagram of a payment processing apparatus according to one embodiment of this specification is shown. Figure 6 As shown, the device includes:

[0167] The receiving module 602 is configured to receive a payment transaction processing request from a target user and identify the user characteristic data of the target user;

[0168] The acquisition module 604 is configured to acquire the target identity information of the target user based on the user feature data;

[0169] The response module 606 is configured to determine the target payment business processing rule based on the target identity information, and respond to the payment business processing request using the target payment business processing rule.

[0170] Optionally, the acquisition module 604 is further configured to:

[0171] Obtain an identity authentication table, wherein the identity authentication table records the correspondence between user feature data and identity information;

[0172] Based on the user characteristic data, the target user's target identity information is retrieved from the identity authentication table.

[0173] Optionally, the device further includes a first establishment module configured to:

[0174] Obtain the initial identity information of each user from the identity authentication platform;

[0175] Based on the initial identity information of each user, the identity authentication table is established.

[0176] Optionally, the payment processing request carries a payment transaction identifier;

[0177] The response module 606 is further configured to:

[0178] Based on the payment service identifier, obtain the payment service processing rule table corresponding to the payment service identifier. The payment service processing rule table records the correspondence between identity information and payment service processing rules.

[0179] Based on the target identity information, the target payment business processing rule corresponding to the target identity information is retrieved from the payment business processing rule table.

[0180] Optionally, the device further includes a second establishment module configured to:

[0181] Receive at least one initial payment transaction processing rule corresponding to the payment transaction identifier;

[0182] Based on the at least one initial payment transaction processing rule, a payment transaction processing rule table corresponding to the payment transaction identifier is established.

[0183] Optionally, the payment processing request carries an initial resource value;

[0184] The response module 606 is further configured to:

[0185] Calculate the target resource value corresponding to the target identity information based on the target payment business processing rules and the initial resource value;

[0186] Based on the target resource value, execute the payment processing operation corresponding to the payment processing request.

[0187] Optionally, the response module 606 is further configured to:

[0188] When there are multiple target identity information, for any target identity information, according to the target payment business processing rules corresponding to the target identity information and the initial resource value, calculate the alternative resource value corresponding to the target identity information to obtain multiple alternative resource values;

[0189] The candidate resource value that is less than a preset threshold among the multiple candidate resource values ​​is determined as the target resource value.

[0190] This specification provides a payment processing device that receives a payment processing request from a target user and identifies the target user's user characteristic data; then, based on the user characteristic data, obtains the target user's target identity information; furthermore, based on the target identity information, determines target payment processing rules, and responds to the payment processing request using the target payment processing rules. This integrates the acquisition of target identity information and payment processing operations, improving the convenience and efficiency of payment processing, ensuring the efficiency, practicality, and high scalability of the processing platform, enhancing its applicability to multiple scenarios, and avoiding the problem of easily lost traditional cards.

[0191] The above is an illustrative scheme of a payment processing device according to this embodiment. It should be noted that the technical solution of this payment processing device and the technical solution of the payment processing method described above belong to the same concept. For details not described in detail in the technical solution of the payment processing device, please refer to the description of the technical solution of the payment processing method described above.

[0192] Figure 7 A structural block diagram of a computing device 700 according to one embodiment of this specification is shown. The components of the computing device 700 include, but are not limited to, a memory 710 and a processor 720. The processor 720 is connected to the memory 710 via a bus 730, and a database 750 is used to store data.

[0193] The computing device 700 also includes an access device 740, which enables the computing device 700 to communicate via one or more networks 760. Examples of these networks include Public Switched Telephone Network (PSTN), Local Area Network (LAN), Wide Area Network (WAN), Personal Area Network (PAN), or combinations of communication networks such as the Internet. The access device 740 may include one or more of any type of wired or wireless network interface (e.g., Network Interface Controller (NIC)), such as an IEEE 802.11 Wireless Local Area Network (WLAN) wireless interface, Wi-MAX (Worldwide Interoperability for Microwave Access) interface, Ethernet interface, Universal Serial Bus (USB) interface, cellular network interface, Bluetooth interface, Near Field Communication (NFC) interface, and so on.

[0194] In one embodiment of this specification, the above-described components of the computing device 700 and Figure 7 Other components, not shown, can also be connected to each other, for example, via a bus. It should be understood that... Figure 7 The block diagram of the computing device shown is for illustrative purposes only and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.

[0195] The computing device 700 can be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (e.g., tablet computers, personal digital assistants, laptop computers, notebook computers, netbooks, etc.), mobile phones (e.g., smartphones), wearable computing devices (e.g., smartwatches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs. The computing device 700 can also be a mobile or stationary server.

[0196] The processor 720 is used to execute the following computer-executable instructions, which, when executed by the processor, implement the steps of the payment business processing method described above.

[0197] The above is an illustrative scheme of a computing device according to this embodiment. It should be noted that the technical solution of this computing device and the technical solution of the payment processing method described above belong to the same concept. For details not described in detail in the technical solution of the computing device, please refer to the description of the technical solution of the payment processing method described above.

[0198] An embodiment of this specification also provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the payment processing method described above.

[0199] The above is an illustrative scheme of a computer-readable storage medium according to this embodiment. It should be noted that the technical solution of this storage medium and the technical solution of the payment processing method described above belong to the same concept. For details not described in detail in the technical solution of the storage medium, please refer to the description of the technical solution of the payment processing method described above.

[0200] An embodiment of this specification also provides a computer program, wherein when the computer program is executed in a computer, it causes the computer to perform the steps of the above-described payment business processing method.

[0201] The above is an illustrative example of a computer program according to this embodiment. It should be noted that the technical solution of this computer program and the technical solution of the payment processing method described above belong to the same concept. Details not described in detail in the technical solution of the computer program can be found in the description of the technical solution of the payment processing method described above.

[0202] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0203] The computer instructions include computer program code, which may be in the form of source code, object code, executable file, or some intermediate form. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording media, USB flash drive, portable hard drive, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory (RAM), electrical carrier signals, telecommunication signals, and software distribution media, etc.

[0204] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that the embodiments in this specification are not limited to the described order of actions, because according to the embodiments in this specification, some steps can be performed in other orders or simultaneously. Furthermore, those skilled in the art should also understand that the embodiments described in this specification are all preferred embodiments, and the actions and modules involved are not necessarily essential to the embodiments in this specification.

[0205] In the above embodiments, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0206] The preferred embodiments disclosed above are merely illustrative of this specification. The optional embodiments do not exhaustively describe all details, nor do they limit the invention to the specific implementations described. Clearly, many modifications and variations can be made based on the embodiments described herein. These embodiments are selected and specifically described in this specification to better explain the principles and practical applications of the embodiments, thereby enabling those skilled in the art to better understand and utilize this specification. This specification is limited only by the claims and their full scope and equivalents.

Claims

1. A payment transaction processing method, comprising: Receive a payment processing request from a target user and obtain a user feature data table, wherein the payment processing request includes a target user identifier and the user feature data table records the correspondence between the user identifier and user feature data; Based on the target user identifier, retrieve the user feature data of the target user from the user feature data table; Obtain an identity authentication table, and search for the target user's target identity information from the identity authentication table based on the user feature data. The identity authentication table records the correspondence between user feature data and identity information. When the target user has multiple identity information, the multiple identity information is fed back to the target user, who then selects the target identity information from the multiple identity information. Based on the target identity information, a target payment business processing rule is determined, and the payment business processing request is responded to using the target payment business processing rule. The step of determining the target payment business processing rule based on the target identity information includes: determining the corresponding target payment business processing rule based on the target identity information selected by the target user. Prior to obtaining the user feature data table and the identity authentication table, The system obtains initial user characteristic data for each authenticated user from multiple user characteristic data authentication platforms, and establishes the user characteristic data table based on the initial user characteristic data of each user; and The system obtains the initial identity information of each user from multiple identity authentication platforms and establishes the identity authentication table based on the initial identity information of each user.

2. The method according to claim 1, wherein the payment transaction processing request carries a payment transaction identifier; The step of determining the target payment transaction processing rules based on the target identity information includes: Based on the payment service identifier, obtain the payment service processing rule table corresponding to the payment service identifier. The payment service processing rule table records the correspondence between identity information and payment service processing rules. Based on the target identity information, the target payment business processing rule corresponding to the target identity information is retrieved from the payment business processing rule table.

3. The method according to claim 2, further comprising, before obtaining the payment transaction processing rule table corresponding to the payment transaction identifier based on the payment transaction identifier: Receive at least one initial payment transaction processing rule corresponding to the payment transaction identifier; Based on the at least one initial payment transaction processing rule, a payment transaction processing rule table corresponding to the payment transaction identifier is established.

4. The method according to claim 1, wherein the payment processing request carries an initial resource value; The step of responding to the payment processing request using the target payment processing rules includes: Calculate the target resource value corresponding to the target identity information based on the target payment business processing rules and the initial resource value; Based on the target resource value, execute the payment processing operation corresponding to the payment processing request.

5. The method according to claim 4, wherein calculating the target resource value corresponding to the target identity information based on the target payment business processing rules and the initial resource value includes: When there are multiple target identity information, for any target identity information, according to the target payment business processing rules corresponding to the target identity information and the initial resource value, calculate the alternative resource value corresponding to the target identity information to obtain multiple alternative resource values; The candidate resource value that is less than a preset threshold among the multiple candidate resource values ​​is determined as the target resource value.

6. A payment processing device, comprising: The receiving module is configured to receive a payment processing request from a target user and obtain a user feature data table. The payment processing request includes a target user identifier, and the user feature data table records the correspondence between the user identifier and user feature data. The receiving module is also configured to search for the user feature data of the target user from the user feature data table based on the target user identifier; The acquisition module is configured to acquire an identity authentication table, and search for the target identity information of the target user from the identity authentication table based on the user feature data. The identity authentication table records the correspondence between user feature data and identity information. When the target user has multiple identity information, the multiple identity information is fed back to the target user, and the target user selects the target identity information from the multiple identity information. The response module is configured to determine the target payment business processing rule based on the target identity information, and respond to the payment business processing request using the target payment business processing rule, wherein determining the target payment business processing rule based on the target identity information includes: determining the corresponding target payment business processing rule based on the target identity information selected by the target user; The first establishment module is configured to obtain the initial user feature data of each authenticated user from multiple user feature data authentication platforms, and establish the user feature data table based on the initial user feature data of each user; and The system obtains the initial identity information of each user from multiple identity authentication platforms and establishes the identity authentication table based on the initial identity information of each user.

7. A computing device, comprising: Memory and processor; The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions, which, when executed by the processor, implement the steps of the payment business processing method according to any one of claims 1 to 5.

8. A computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the payment processing method according to any one of claims 1 to 5.

9. A computer program, wherein, When the computer program is executed in the computer, it causes the computer to perform the steps of the payment processing method according to any one of claims 1 to 5.

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