Information processing method and device in agent payment, electronic equipment and storage medium

Abstract

The application provides an information processing method and device in agent payment, electronic equipment and storage medium. The method comprises the following steps: receiving an agent transaction request sent by a first client; the agent transaction request comprises a to-be-transacted order generated based on a payment account of a transaction user; generating an agent prompt information of the to-be-transacted order based on the to-be-transacted order corresponding to the agent transaction request; sending the agent prompt information to a second client of a trusted user associated with the transaction user, so as to prompt the trusted user to perform an agent payment operation on the to-be-transacted order; the agent payment operation is used to prompt the second client to generate an agent authentication request; if the agent authentication request sent by the second client is received, then based on the agent authentication request, the payment account is controlled to perform an agent payment processing on the to-be-transacted order, and the to-be-transacted order is completed. The technical scheme of the application improves the order payment efficiency through the agent payment.

Description

Technical Field

[0001] This application relates to information security technology, and more particularly to an information processing method, apparatus, electronic device, and storage medium in agent payment. Background Technology

[0002] Currently, with the development of smartphones and other smart devices, mobile payment is becoming increasingly widespread. When using mobile payment, users can generally only authorize their own financial accounts to make payments using their own smartphones or other terminal devices. For example, when a user uses mobile banking to transfer money, they can only authorize their own transfer operations.

[0003] However, the current mobile payment security authentication process is generally quite complex, requiring the use of USB tokens, digital authentication, and other operations. Users find it difficult to complete the mobile payment authentication process, which can easily lead to authentication failures and the inability to make mobile payments. Summary of the Invention

[0004] This application provides an information processing method, apparatus, electronic device, and storage medium for agent payment, which solves the problem that the authentication process for mobile payment is difficult for users, and authentication failures are common, resulting in the inability to make mobile payments.

[0005] Firstly, this application provides an information processing method for agency payments, including:

[0006] Receive a proxy transaction request sent by a first client; the proxy transaction request includes pending orders generated based on the payment account of the transaction user;

[0007] Based on the pending transaction order corresponding to the proxy transaction request, generate proxy prompt information for the pending transaction order;

[0008] The proxy notification message is sent to the second client of the trusted user associated with the transaction user to prompt the trusted user to perform a proxy payment operation for the pending transaction order. The proxy payment operation is used to prompt the second client to generate a proxy authentication request.

[0009] If the proxy authentication request sent by the second client is received, the payment account is controlled to perform proxy payment processing on the pending transaction order based on the proxy authentication request, thereby completing the pending transaction order.

[0010] Secondly, this application provides an information processing method for agency payments, including:

[0011] A proxy transaction request is sent to the server, the proxy transaction request including a pending transaction order generated based on the transaction user's payment account; the pending transaction order is used to generate proxy prompt information.

[0012] The system detects trusted users identified by the transaction user; the proxy notification information prompts the trusted user to perform a proxy payment operation for the pending transaction order; the proxy payment operation prompts the second client to generate a proxy authentication request; the proxy authentication request controls the payment account to perform proxy payment processing for the pending transaction order.

[0013] If it is determined that the payment account has performed agent payment processing for the pending transaction order, then the pending transaction order is determined to be completed.

[0014] Thirdly, this application provides an information processing method for agency payments, including:

[0015] Receive proxy notification information sent by the server; the proxy notification information is generated for the pending transaction order corresponding to the proxy transaction request initiated by the transaction user associated with the trusted user;

[0016] Output the proxy prompt information and detect the proxy payment operation performed by the trusted user for the pending transaction order;

[0017] If the proxy payment operation is detected, a proxy authentication request is generated;

[0018] The proxy authentication request is sent to the user terminal. The proxy authentication request is used to control the payment account to perform proxy payment processing on the pending transaction order and complete the pending transaction order.

[0019] Fourthly, this application provides an information processing device for agent payment, comprising:

[0020] The first receiving unit is configured to receive a proxy transaction request sent by the first client; the proxy transaction request includes a pending transaction order generated based on the payment account of the transaction user;

[0021] The first generation unit is used to generate proxy prompt information for the pending transaction order based on the pending transaction order corresponding to the proxy transaction request.

[0022] The first sending unit is used to send the proxy prompt information to the second client of the trusted user associated with the transaction user, so as to prompt the trusted user to perform a proxy payment operation for the order to be traded, and the proxy payment operation is used to prompt the second client to generate a proxy authentication request;

[0023] The first payment unit is configured to, upon receiving the proxy authentication request sent by the second client, control the payment account to perform proxy payment processing on the pending transaction order based on the proxy authentication request, thereby completing the pending transaction order.

[0024] Fifthly, this application provides an information processing device for agent payment, comprising:

[0025] The second sending unit is used to send a proxy transaction request to the server, the proxy transaction request including a pending transaction order generated based on the transaction user's payment account; the pending transaction order is used to generate proxy prompt information.

[0026] The first determining unit is used to detect the trusted user determined by the transaction user; the proxy prompt information is used to prompt the trusted user to perform a proxy payment operation for the pending transaction order; the proxy payment operation is used to prompt the second client to generate a proxy authentication request; the proxy authentication request is used to control the payment account to perform proxy payment processing for the pending transaction order;

[0027] The second determining unit is used to determine that the pending transaction order is completed if it is determined that the payment account has performed agent payment processing for the pending transaction order.

[0028] Sixthly, this application provides an information processing apparatus for agent payment, comprising:

[0029] The second receiving unit is used to receive proxy prompt information sent by the server; the proxy prompt information is generated for the pending transaction order corresponding to the proxy transaction request initiated by the transaction user associated with the trusted user;

[0030] The first output unit is used to output the proxy prompt information and detect the proxy payment operation performed by the trusted user for the order to be traded;

[0031] The request generation unit is configured to generate a proxy authentication request if it is determined that the proxy payment operation has been detected.

[0032] The third sending unit is used to send the proxy authentication request to the user terminal. The proxy authentication request is used to control the payment account to perform proxy payment processing on the pending transaction order and complete the pending transaction order.

[0033] In a seventh aspect, this application provides an electronic device, including: a processor, and a memory communicatively connected to the processor;

[0034] The memory stores computer-executed instructions;

[0035] The processor executes computer execution instructions stored in the memory to implement the information processing method in proxy payment as described in any of the first, second, or third aspects.

[0036] Eighthly, this application provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the information processing method in proxy payment as described in any of the first, second, or third aspects.

[0037] The information processing method for proxy payment provided in this application can receive proxy transaction requests sent by a first client. This proxy transaction request may include pending orders generated based on a user's payment account. Proxy notification information can be generated based on the pending orders corresponding to the proxy transaction request. The trusted user is the one who performs the proxy transaction for the transaction user. Therefore, proxy notification information can be sent to a second client of the trusted user, prompting the trusted user to perform a proxy payment operation for the pending order. The proxy payment operation can instruct the second client to generate a proxy authentication request. Based on the proxy authentication request, the payment account completes the payment processing for the pending order, thus completing the pending order. By utilizing trusted users associated with the transaction user, the trusted user can complete proxy transactions for the transaction user's payment account, improving the order payment success rate and transaction efficiency. Attached Figure Description

[0038] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0039] Figure 1 This is a schematic diagram illustrating the application of an information processing method in agency payment, provided in an embodiment of this application.

[0040] Figure 2 A flowchart illustrating an embodiment of an information processing method in agent payment provided by this application;

[0041] Figure 3 A signaling interaction diagram for an information processing method in agent payment provided in an embodiment of this application;

[0042] Figure 4 Another signaling interaction diagram for an information processing method in agent payment provided in an embodiment of this application;

[0043] Figure 5 Another signaling interaction diagram for an information processing method in agent payment provided in an embodiment of this application;

[0044] Figure 6 Another signaling interaction diagram for an information processing method in agent payment provided in an embodiment of this application;

[0045] Figure 7A flowchart of yet another embodiment of an information processing method in agent payment provided by this application;

[0046] Figure 8 Another signaling interaction diagram for an information processing method in agent payment provided in an embodiment of this application;

[0047] Figure 9 A flowchart of yet another embodiment of an information processing method in agent payment provided by this application;

[0048] Figure 10 A flowchart illustrating yet another embodiment of an information processing method in agent payment provided by this application;

[0049] Figure 11 A schematic diagram of the structure of an embodiment of an information processing device in agent payment provided in this application;

[0050] Figure 12 A schematic diagram of another embodiment of an information processing device in agent payment provided in this application;

[0051] Figure 13 A schematic diagram of another embodiment of an information processing device in agent payment provided in this application;

[0052] Figure 14 This is a hardware structure block diagram of an electronic device provided in an embodiment of this application.

[0053] The accompanying drawings have illustrated specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to specific embodiments. Detailed Implementation

[0054] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0055] The technical solution of this application can be applied to mobile banking payment scenarios. By establishing agent payment users for transaction users, it reduces the operations of transaction users and improves transaction efficiency.

[0056] In related technologies, mobile banking and other payment software are generally used to pay bills or orders. Currently, mobile banking only supports payment authentication for the user themselves. For example, user A's mobile banking account can only support payment authentication for user A; user B cannot authenticate payment using user A's mobile banking account. This scheme, which only supports authentication for the user themselves, may result in limited payment accessibility, meaning only the authenticated user A can make payments, and other users cannot use user A's account to make payments. Therefore, if user A is unfamiliar with the payment process and experiences too many failed attempts, it may lead to repeated payment failures, resulting in low payment efficiency.

[0057] To address the aforementioned technical issues, this application proposes adding a proxy payment process to the mobile banking usage flow. Users can add proxy users at a bank counter; one or more proxy users can be added. During mobile banking payment, a proxy transaction request can be initiated. This request can be used to confirm the trusted user associated with the transaction user, prompting the trusted user to complete the proxy payment operation on behalf of the transaction user. Therefore, through the proxy payment operation of the trusted user, payment processing can be performed on the pending transaction order based on the transaction user's payment account, thus completing the pending transaction order.

[0058] Accordingly, in this embodiment, the server can receive a proxy transaction request sent by a first client. This proxy transaction request may include a pending transaction order generated based on the user's payment account. In response to the proxy transaction request, a trusted user associated with the transaction user can be identified. This trusted user is the one who performs the proxy transaction for the transaction user. Therefore, a proxy notification message can be sent to the trusted user's second client, prompting the trusted user to perform a proxy payment operation for the pending transaction order. The proxy payment operation can instruct the second client to generate a proxy authentication request, which, based on the proxy authentication request, completes the payment processing for the pending transaction order through the payment account, thus completing the pending transaction order. By utilizing a trusted user associated with the transaction user, the trusted user can perform a proxy transaction for the transaction user's payment account, improving the order payment success rate and transaction efficiency.

[0059] The technical solution of this application will be described in detail below with reference to the accompanying drawings.

[0060] like Figure 1 The diagram shown is an application illustration of an information processing method in proxy payment provided in an embodiment of this application. The proxy payment system may include: a first client 1 corresponding to the transaction user, for example... Figure 1 The mobile phone 1 shown represents a server 2 that has a communication connection with the transaction user, and a second client 2 that has a communication connection with the server 2, for example, a mobile phone 1. Figure 1 The phone shown is number 2.

[0061] In practical applications, a transaction user can initiate a proxy transaction request to server 2 through a first client 1. This proxy transaction request includes an order B to be traded based on the transaction user's payment account A. Server 2 can receive the proxy transaction request sent by client 1 and, in response, identify the user as a trusted user associated with the transaction user; based on the order information corresponding to the order to be traded, it generates proxy prompt information for the order to be traded. Server 2 can send the proxy prompt information to a second client 3. The second client 3 can output the proxy prompt information to the user, which may be, for example, a transaction link for the order B to be traded from the transaction user's payment account A. It also detects the proxy payment operation performed by the user for the order to be traded. When the proxy payment operation is detected, it can control payment account A to process the payment for the order B to be traded, thus completing the order to be traded.

[0062] Server 2 can also send a transaction success notification to the first client to indicate that the transaction user's payment was successful. Through the payment interaction between the transaction user, the server, and the trusted user, accurate interaction with the proxy client can be achieved, improving interaction efficiency and accuracy.

[0063] like Figure 2 The diagram shown is a flowchart of one embodiment of an information processing method in proxy payment provided by this application. This information processing method in proxy payment can be applied to a server, which may include any type of server such as a cloud server or a regular server. This application does not impose too many limitations on the specific type of server.

[0064] The information processing methods in agent payment can include the following steps:

[0065] 201: Receive a proxy transaction request sent by the first client; the proxy transaction request includes pending orders generated based on the transaction user's payment account.

[0066] Optionally, the first client can detect when a user initiates a proxy transaction request. The first client can send the proxy transaction request to the server. The first client can display a payment page, which may include a proxy payment control. When the proxy user triggers the proxy payment control, a proxy transaction request can be generated. The proxy transaction request may include a proxy payment link. The server receives the proxy transaction request, parses the proxy payment link, and obtains the order to be traded.

[0067] The payment account for pending orders can be the payment account of the transaction user. Pending orders can include any one of the following: consumption orders, transfer orders, repayment orders, or cash withdrawal orders. Pending orders can include order information such as payment account, order information, order details, and order initiation time.

[0068] The first client can install terminal payment software, such as a mobile banking app, which can then initiate proxy transaction requests. The transaction user can be the user who initiated the payment request for the pending transaction.

[0069] Optionally, to distinguish different users, any user, including trusted users and transaction users, may include a user identification document (ID). The user identification document can be a string formed by combining multiple characters such as numbers and letters. Different users may have different user identification documents; it is understood that in this case, users can be defined using their user identification documents to distinguish themselves from other users.

[0070] 202: Generate proxy prompt information for the pending transaction order based on the pending transaction request.

[0071] The order to be traded may include: order information, which may include at least one of the following: order number, payment amount, payment account, order type, and order initiation time. The proxy notification information may be generated based on the order information of the order to be traded, such as a pop-up window or instant messaging message generated based on the order information of the order to be traded. The proxy notification information may include the order information of the order to be traded, transaction name, transaction time, transaction details, instruction number, and transaction number.

[0072] 203: Send a proxy notification message to the second client of the trusted user associated with the transaction user, so as to prompt the trusted user to perform a proxy payment operation for the pending transaction order. The proxy payment operation is used to instruct the second client to generate a proxy authentication request.

[0073] The second client can receive and output proxy prompts from the server. Trusted users can view the proxy prompts output by the second client and execute proxy payment operations for pending transactions. The second client can detect proxy payment operations executed by trusted users for pending orders. Proxy payment operations can include triggering actions on proxy payment controls; for example, proxy prompts can be output via a pop-up window displaying proxy payment controls. When the second client detects a user confirming an action on the proxy payment control, it can confirm that a proxy payment operation has been detected by a trusted user for the pending order, at which point a proxy authentication request can be generated.

[0074] 204: If a proxy authentication request is received from the second client, the payment account will be controlled to perform proxy payment processing on the pending transaction order based on the proxy authentication request, and the pending transaction order will be completed.

[0075] Optionally, if no proxy authentication request is received when the payment time threshold is reached, a message indicating proxy payment failure can be output. Afterwards, the transaction user can re-initiate the proxy transaction request based on the first client, and the server can return to the step of receiving the proxy transaction request sent by the first client to continue execution. At this point, the server determines the user as a trusted user associated with the transaction user, excludes the proxy user whose proxy payment has failed, and selects a trusted user from among the other proxy users who have not been identified as trusted users.

[0076] In this embodiment, the server can receive a proxy transaction request sent by a first client. This proxy transaction request may include a pending transaction order generated based on the user's payment account. A proxy prompt message can be generated based on the pending transaction order corresponding to the proxy transaction request. The trusted user is the one who performs the proxy transaction for the transaction user. Therefore, a proxy prompt message can be sent to the trusted user's second client, prompting the trusted user to perform a proxy payment operation for the pending transaction order. The proxy payment operation instructs the second client to generate a proxy authentication request. Based on the proxy authentication request, the payment account completes the payment processing for the pending transaction order, thus completing the pending transaction order. By utilizing the trusted user associated with the transaction user, the trusted user can complete a proxy transaction for the transaction user's payment account, improving the order payment success rate and transaction efficiency.

[0077] Figure 3 The signaling interaction diagram provided for the information processing method in the agency payment based on this application is referenced. Figure 3 First client 31 can send a proxy transaction request 301 to server 32. Server 32 can receive the proxy transaction request and, based on the pending order corresponding to the proxy transaction request, generate proxy notification information 302 for the pending order. Server 32 can send the proxy notification information 303 to a second client 33 associated with a trusted user. Second client 33 can detect 304 the trusted user's proxy payment operation. If it is determined that a proxy payment operation performed by a trusted user has been detected, it generates 305 a proxy authentication request and sends the proxy authentication request 306 to server 32. Server 32 can perform 307 proxy payment processing based on the proxy authentication request to complete the pending order. Optionally, server 32 can send 308 a transaction success notification to first client 31, and first client 31 can output the transaction success notification.

[0078] Proxy payment processing refers to the execution of corresponding payment processing for pending orders based on the payment account of the transaction user, that is, deducting the corresponding account balance from the payment account.

[0079] To obtain trusted users associated with a transaction user, all associated proxy users can be displayed to the transaction user, prompting the user to select a trusted user for proxy payment. This increases the success rate of trust user selection and facilitates quick and accurate identification of trusted users. Therefore, as an example, before generating proxy prompt information for the pending order based on the pending order corresponding to the proxy transaction request, the process may further include:

[0080] Search for agent users who have payment associations with transaction users;

[0081] Send the proxy user to the first client so that the first client can detect the trusted user selected by the transaction user from the proxy user;

[0082] Receive trusted users sent by the first client and obtain trusted users associated with the transaction user.

[0083] In practical applications, transaction users can register with agent users offline and initiate agent transaction requests online. A trusted user can be selected from the agent users to notify the trusted user to complete the agent payment transaction.

[0084] In this embodiment, by querying for agent users with payment associations for transaction users, the agent users can be displayed to the transaction users so that the first client can detect the trusted users selected by the transaction users from the agent users. By providing the transaction users with the function of selecting trusted users, effective user selection can be provided, making the trusted users more compatible with the needs of the transaction users.

[0085] For ease of understanding, Figure 4 This is another signaling interaction diagram for an information processing method in agency payment provided in this application. (and...) Figure 3 The difference in the signaling interaction diagram shown is that, as Figure 4 As shown, after receiving the proxy payment request sent by the first client 41, the server 42 can query the proxy user associated with the transaction user (401), and then send the proxy user to the first client 41 for display (402). The first client 41 can detect the trusted user selected by the user (403) and send the trusted user to the server 42 (404). The server 42 can obtain the trusted user associated with the transaction user based on the trusted user provided by the first client, and determine the second client 43 of the trusted user. The generated proxy prompt information is then sent to the second client 43.

[0086] In some embodiments, based on the order information corresponding to the order to be traded, proxy notification information for the order to be traded is generated, including:

[0087] For the pending orders in the agent payment request, generate a transaction number and an instruction number corresponding to the transaction instruction;

[0088] Obtain the target verification information of the trading user;

[0089] The encrypted instruction number is obtained by using the encryption key in the target verification information to encrypt and sign the instruction number.

[0090] Based on the transaction user's transaction user information, transaction number, and encrypted instruction number, generate agent prompt information for the pending transaction order.

[0091] The instruction number can be the command information generated for the transaction instruction of the order to be traded. The instruction number indicates the transaction instruction for the agent payment of the order to be traded. The transaction number can be the order number generated for the order to be traded; it can be used to indicate the identifier of this transaction and to distinguish different orders to be traded.

[0092] When the server detects a proxy service request initiated by a transaction user, it can generate target verification information for the transaction user. This target verification information may include key information such as the transaction user's private and public keys and symmetric keys.

[0093] Target verification information can be generated based on the transaction user's information. This information is generated using MD5 (Message-Digest Algorithm). Target verification information may include the encryption and decryption keys (also known as symmetric keys) set for the transaction user, encrypted signatures, and other information.

[0094] An encrypted instruction number can be obtained by encrypting and signing the instruction number using the encryption key in the target verification information.

[0095] In addition to the transaction user's information, transaction number, and encrypted instruction number, the proxy notification information may also include the transaction name, transaction time, and transaction details. Proxy notification information can provide more comprehensive guidance on proxy transactions, thereby improving notification efficiency.

[0096] Optionally, it also includes: establishing and storing the association between the transaction user's transaction user information, transaction number, encrypted instruction number, and target verification information.

[0097] In this embodiment, the proxy notification information can be generated based on the transaction user's transaction information, transaction number, and encrypted instruction number. By outputting the proxy notification information generated from the transaction user information, transaction number, and encrypted instruction number to the user, the user can view the proxy notification information, know that proxy payment needs to be provided to the transaction user, and receive effective notifications for proxy payment, thereby improving the efficiency and accuracy of proxy payment notifications.

[0098] In one possible design, after sending the proxy notification message to the second client, the following steps are also included:

[0099] Detect the login request sent by the second client;

[0100] In response to a login request, the system controls the trusted user to log in to the second client normally.

[0101] The second client can detect login requests initiated by trusted users and send them to the server. The login request can include the trusted user's login information, which may include their username and password. Controlling the trusted user's successful login to the second client can involve verifying the trusted user's login information. If the verification is successful, a login command can be sent to the second client, which can then respond by displaying a login interface. At this point, the trusted user can successfully log in to the second client.

[0102] In this embodiment, the second client can initiate a login request to the server, and in response to the login request, control the trusted user to log in normally to the second client. By detecting the login of trusted users, login control can be implemented, thereby improving login efficiency.

[0103] As one embodiment, after sending the proxy notification information to the second client, the method may further include:

[0104] Generate a proxy authentication prompt message and send it to the trusted user's second client; the proxy authentication prompt message instructs the second client to initiate the detection of proxy payment operations.

[0105] Sending proxy authentication prompts to a trusted user's second client can include pushing the prompts to the second client via a message push module. Specifically, sending messages from the server to both the first and second clients can be performed through the message push module.

[0106] The proxy authentication prompt message can be used to prompt trusted users to authenticate for proxy transactions. The second client can display the proxy authentication prompt message via pop-up window or SMS to notify the trusted user. After viewing the proxy authentication prompt message, the trusted user can initiate a login request. Upon successful login, the trusted user can then initiate a proxy authentication request.

[0107] Therefore, after sending the proxy authentication prompt message to the trusted user's second client, the login request sent by the second client can be detected. Receiving the proxy authentication request sent by the second client can include: if it is determined that the trusted user has successfully logged into the second client, the proxy authentication request sent by the second client can be received.

[0108] The proxy authentication request may include a transaction number, which can indicate the pending order corresponding to the proxy authentication request. The proxy authentication request may also include an encrypted instruction number. By decrypting the encrypted instruction number, the instruction number is obtained, and the corresponding transaction instruction is determined. This transaction instruction is then executed to process the payment for the pending order and complete the payment.

[0109] Optionally, before receiving the proxy authentication request sent by the second client, the method may further include detecting a login request sent by the second client; in response to the login request, controlling the trusted user to log in to the second client normally. Receiving the proxy authentication request sent by the second client may include: receiving the proxy authentication request sent by the second client when it is determined that the trusted user has logged in to the second client normally.

[0110] In this embodiment, after generating the proxy authentication prompt information, it can be sent to the trusted user's second client, and the second client can receive the proxy authentication request. The proxy authentication prompt information can be used to prompt the trusted user to initiate a proxy authentication request to start proxy payment, thereby improving the efficiency of proxy payment.

[0111] Optionally, based on the proxy authentication request, controlling the payment account to perform proxy payment processing for the pending transaction order and completing the pending transaction order may include:

[0112] Based on the proxy authentication request, perform proxy payment verification on trusted users and obtain the verification result;

[0113] If the verification result is successful, then the transaction instruction corresponding to the encryption instruction number is determined;

[0114] Execute transaction instructions to control the payment account and perform agent payment processing for pending orders, thereby completing the pending orders.

[0115] In this embodiment, by verifying the payment on behalf of trusted users, the security of the payment on behalf can be ensured, thereby improving the security of the payment system.

[0116] As another embodiment, the proxy authentication request may include an encrypted instruction number. Based on the proxy authentication request, the control payment account executes proxy payment processing for the pending transaction order, completing the pending transaction order, including:

[0117] Based on the encryption instruction number in the proxy authentication request, verify whether the trusted user meets the authentication requirements and obtain the first verification result;

[0118] If the first verification result is successful, then the proxy payment permission of the trusted user will be processed for proxy authentication to obtain the proxy authentication result;

[0119] If the proxy authentication result is that the proxy authentication is successful, then the correspondence between the trusted user, the transaction user, the transaction number, and the encrypted instruction number is verified to obtain a second verification result;

[0120] If the second verification result is successful, then the transaction instruction corresponding to the encryption instruction number is determined;

[0121] Execute transaction instructions to control the payment account and perform agent payment processing for pending orders, thereby completing the pending orders.

[0122] Optionally, authentication conditions may refer to whether the trusted user meets the requirements for initiating agent payment. An encrypted instruction number can be used to verify the authentication conditions.

[0123] Optionally, the proxy payment authority can refer to the scope and extent to which a trusted user can make decisions on order transactions for their associated trading users. Through the proxy authentication process of the proxy payment authority, the proxy payment qualification of the trusted user can be verified to ensure the security of proxy payments.

[0124] If the trusted user has the proxy authentication result, the correspondence between the trusted user, the transaction user, the transaction number, and the encrypted instruction number can be verified to obtain a second verification result. By verifying the correspondence, the transaction process between the trusted user and the transaction user can be prepared to obtain an accurate second verification result.

[0125] Optionally, the correspondence between trusted users, transaction users, transaction numbers, and encrypted instruction numbers is verified to obtain a second verification result. This may include: querying the association between trusted users and transaction users; if a transaction association exists between trusted users and transaction users, the user relationship verification is successful; otherwise, the user relationship verification fails. The instruction number is decrypted to obtain a decrypted instruction number; if the decrypted instruction number is the same as the instruction number associated with the transaction number, the instruction relationship verification is successful; otherwise, the user relationship verification fails. If both user relationship verification and instruction relationship verification are successful, the verification is successful, which is the second verification result. If either user relationship verification or instruction relationship verification fails, the verification fails, which is the second verification result.

[0126] Optionally, if any of the following occurs: the first verification result is verification failed, the agent authentication result is agent authentication failed, or the second verification result is verification failed, it can be determined that the agent payment has failed. In this case, a message indicating that the agent payment has failed can be sent to the first client.

[0127] In this embodiment, when a proxy authentication request is received, proxy payment verification of the trusted user can be initiated. Specifically, the authentication conditions of the trusted user are first verified using the encrypted instruction number, which initiates proxy authentication of the trusted user's encrypted instruction number. Once the trusted user meets the authentication conditions, proxy payment permissions can be further authenticated. When the trusted user has proxy payment permissions, the relationship between the trusted user, the transaction user, the transaction number, and the encrypted instruction number can be verified to obtain a second verification result. Through multiple layers of verification, including authentication condition verification, trust condition judgment, trust verification, and verification of corresponding relationships, accurate verification of the trusted user can be achieved, improving the security of proxy payments.

[0128] For ease of understanding, Figure 5 This is another signaling interaction diagram for an information processing method in agency payment provided in this application. (and...) Figures 3-4 The difference between the signaling interaction diagrams shown in the embodiments is that, for example... Figure 5 As shown, after sending the proxy notification information, server 52 can generate proxy authentication notification information (501) and send it (502) to the trusted user's second client 53. Second client 53 can detect the login request initiated by the trusted user (503). The login request may include the trusted user's login information. The login request is sent by second client 53 to server 52. Server 52 verifies the login information corresponding to the login request and controls the trusted user to log in to second client 53 (504). Second client 53 can execute the trusted user login (505). Server 52 can receive the login success notification information (506) sent by second client 53 to confirm that the trusted user has successfully logged in.

[0129] When the second client 53 receives the proxy authentication prompt, it can initiate detection of proxy payment operations performed by trusted users, thus detecting a proxy payment operation (507). If a proxy payment operation is detected, a proxy authentication request can be generated based on the encrypted instruction number. The proxy authentication request may include the encrypted instruction number. The second client 53 can then send the proxy authentication request (508) to the server 52.

[0130] Server 52 can respond to the proxy authentication request and obtain the encrypted instruction number from the proxy authentication request (509). Server 52 can also verify (510) whether the trusted user meets the authentication requirements based on the encrypted instruction number, obtaining a first verification result. If the first verification result is successful, proxy authentication processing (511) can be performed on the trusted user's proxy payment authority, obtaining a proxy authentication result. If the proxy authentication result is successful, the correspondence between the trusted user, transaction user, transaction number, and encrypted instruction number can be verified (512), obtaining a second verification result. If the second verification result is successful, the transaction instruction corresponding to the instruction number (513) is determined. After determining the transaction instruction corresponding to the instruction number (513), server 53 can execute (514) the transaction instruction to control the payment account to perform proxy payment processing on the pending transaction order, completing the pending transaction order.

[0131] As an optional implementation, based on the encryption instruction number in the proxy authentication request, the system verifies whether the trusted user meets the authentication requirements to obtain a first verification result, including:

[0132] The encrypted instruction number in the proxy authentication request is decrypted and verified to obtain the decryption verification result.

[0133] Based on the trusted user's trusted user information and the second client's client information, risk analysis is performed on the trusted user to obtain the risk analysis results;

[0134] If the decryption verification result is confirmed as successful and the risk analysis result is deemed risk-free, then the successful verification is determined as the first verification result.

[0135] The server can read the encrypted instruction number in the proxy authentication request. The encrypted instruction number can be obtained by encrypting and signing the instruction number using the encryption key in the target verification information associated with the transaction user. The encrypted instruction number can be decrypted using the decryption key corresponding to the encryption key. If the decryption is successful, the decrypted instruction number is obtained, and the decryption verification result is determined to be successful.

[0136] The client information of the second client can include: user information and hardware information added by the trusted user on the second client. User information may include, for example, the user's mobile phone number. Hardware information may include, for example, hardware identification codes, hardware serial numbers, etc. Risk analysis can be performed on the trusted user information and the client information of the second client. For example, the trusted user information can be compared with a user blacklist to determine if the trusted user belongs to the blacklist. Simultaneously, the client information can be compared with a client blacklist to determine if the client information belongs to the client blacklist. If neither is true, the risk analysis result is determined to be no risk; otherwise, the risk analysis result is determined to be risky.

[0137] In this embodiment, when verifying whether a trusted user meets the authentication requirements, the encryption command number can be determined, and the encryption command number can be decrypted to verify the result. Furthermore, based on the trusted user's trusted user information and the second client's client information, a risk analysis can be performed on the trusted user to obtain a risk analysis result. When the decryption verification result is successful and the risk analysis result is risk-free, the verification success can be determined as the first verification result. By performing dual authentication condition verification on the trusted user from both decryption verification and risk verification aspects, the accuracy of authentication condition verification is improved.

[0138] In one possible design, the encrypted instruction number in the proxy authentication request is decrypted and verified to obtain the decryption verification result, including:

[0139] Query the target verification information corresponding to the transaction user;

[0140] The encrypted instruction number is decrypted and verified using the decryption key in the target verification information to obtain the decrypted instruction number.

[0141] If the decrypted instruction number is the same as the instruction number associated with the trading user, then the verification is considered successful and the decryption verification result is confirmed.

[0142] The target verification information can be associated with the transaction user information records of the transaction user, and the target verification information associated with the transaction user information can be queried.

[0143] In this embodiment, the target verification information of the transaction user can be queried, and the encrypted instruction number can be decrypted and verified using the decryption key in the target verification information to obtain the decrypted instruction number. If the decrypted instruction number is the same as the instruction number associated with the transaction user, the verification is considered successful and the decryption verification result is determined. By using the decryption key to accurately verify the decryption verification result, the accuracy of decryption verification can be improved, and real-time decryption verification can be achieved.

[0144] As an optional implementation, the encrypted instruction number in the proxy authentication request is decrypted and verified to obtain a decryption verification result, including:

[0145] Query the target verification information corresponding to the transaction user;

[0146] The encrypted instruction number is decrypted using the decryption key in the target verification information to obtain the decrypted instruction number.

[0147] If the decrypted instruction number is the same as the instruction number associated with the trading user, then the verification is considered successful and the decryption verification result is confirmed.

[0148] In this embodiment, by querying the target verification information and using the decryption key in the target verification information to decrypt the encrypted instruction number, the decrypted instruction number is obtained. By comparing the decrypted instruction number with the instruction number associated with the transaction user, the decryption verification result can be determined. Accurate decryption verification results can be obtained by decrypting and verifying the encrypted instruction number using the target verification information.

[0149] To ensure the accuracy of proxy authentication, the identity information of trusted users can be collected in real time to achieve highly efficient identity verification and obtain accurate proxy authentication results. In one possible design, the proxy authentication process for trusted users' proxy payment permissions, to obtain the proxy authentication result, may include:

[0150] Send a request to collect the trusted user's identity information to the second client;

[0151] Receive real-time identity information of trusted users collected by the second client;

[0152] Identity recognition is performed based on real-time identity information and pre-associated trusted user information to obtain identity recognition results;

[0153] If the identity verification is successful, then the result is considered a risk-free proxy authentication result.

[0154] Real-time identity information can include any one of the following: certificate information provided by the user's USB key, payment password provided by a cryptographic device, fingerprint information collected by sensors, verification gesture information collected by a touchscreen, and biometric images captured by a camera. Trusted users can be identified using real-time identity information, and an identity verification result can be obtained. The identity verification result includes: successful identification of the trusted user or failure to identify the trusted user. Determining the proxy authentication result based on the identity verification result can include: if the identity verification result is successful identification of the trusted user, then the proxy authentication is determined to be successful; if the identity verification result is unsuccessful identification of the trusted user, then the proxy authentication is determined to be unsuccessful.

[0155] For ease of understanding, please refer to Figure 6 ,and Figure 5 The difference in the illustrated embodiment is that, when performing the proxy authentication process for the trusted user's proxy payment authority in step 511 and obtaining the proxy authentication result, the server 61 can send an identity information collection request (601) to the second client 62. The second client 62 can collect (602) the real-time identity information of the trusted user and send (603) this real-time identity information to the server 61. The server 61 can perform identity recognition (604) based on the real-time identity information and the trusted user information pre-associated with the trusted user, obtain the identity recognition result, and determine (605) the proxy authentication result based on the identity recognition result.

[0156] In this embodiment, when performing proxy authentication on a trusted user, a request to collect the trusted user's identity information can be sent to the second client. By receiving the real-time identity information of the trusted user collected by the second client, the identity of the trusted user can be authenticated in real time. More timely authentication prompts can improve the efficiency and accuracy of proxy authentication.

[0157] like Figure 7 The diagram shown is a flowchart of another embodiment of an information processing method in agent payment provided by this application. The method may include the following steps:

[0158] 701: Receives the proxy service request sent by the first client of the trading user, along with the trading user's trading user information and the corresponding proxy user information of the trading user's proxy user.

[0159] 702: In response to a proxy service request, risk verification is performed on the transaction user and the proxy user based on the transaction user information and the proxy user information, and the risk verification result is obtained.

[0160] 703: If the risk verification result is determined to be successful, then an agency payment association will be established between the transaction user and the agent user.

[0161] 704: Based on the payment association between the transaction user and the agent user, target verification information is generated for the transaction user.

[0162] 705: Generate and output a notification message indicating that the transaction user has successfully activated the agent payment function.

[0163] The proxy service request can be initiated by the first client. The first client can be a client facing the trading user. Of course, in practical applications, the first client can also be facing the user administrator, providing the user administrator with management functions for the trading user. For example, the first client can detect management requests initiated by the user administrator for the trading user and collect the proxy service requests of the trading user.

[0164] The proxy service request can be a link detected in real time when providing proxy payment services to a transaction user. The first client can collect the transaction user information and the corresponding proxy user information of the proxy user, and send the transaction user information and the corresponding proxy user information of the proxy user to the server.

[0165] The server's risk verification process for trading users and agent users may include: verifying the username and password of the trading user and the username and password of the agent user. It may also include security verification of the trading user's payment account and the agent user's payment account. If both the trading user and the agent user pass the risk verification, the verification is considered successful.

[0166] In this embodiment, the server can receive a proxy authentication request sent by the first client of the transaction user, and simultaneously obtain the transaction user information and the proxy user information. By performing risk verification on the transaction user information and the proxy user, accurate identity verification of the transaction user and the proxy user can be achieved, ensuring the security of user identity. If the risk verification is successful, a proxy payment association can be established for the transaction user and the proxy user. After establishing the payment association, target verification information is generated for the transaction user, realizing the successful activation of proxy payment for the transaction user, and timely activation prompts are provided. Through risk verification, the establishment of proxy payment association, and the generation of target verification information, proxy payment can be activated for transaction users in a safer and more efficient manner.

[0167] For ease of understanding, Figure 8 A signaling diagram is shown for an information processing method in an agent payment system provided in an embodiment of this application. (Reference) Figure 8 The first client 81 can detect proxy service requests initiated by trading users and send the proxy service request 801 to the server 82. The first client 81 can also collect 802 the trading user information and the proxy user information of the trading user's proxy user, and send the trading user information and proxy user information 803 to the server 82. The server 82 can receive the proxy service request, trading user information, and proxy user information sent by the first client 81. Furthermore, in response to the proxy service request, the server 82 can perform risk verification processing 804 on the trading user and proxy user based on the trading user information and proxy user information, and obtain the risk verification result. If the risk verification result is determined to be successful, an 805 proxy payment association is established between the trading user and the proxy user. Based on the payment association between the trading user and the proxy user, target verification information 806 is generated for the trading user. A notification message 807 indicating that the trading user has successfully activated the proxy payment service is generated and sent.

[0168] In one possible design, before receiving the proxy service request sent by the first client, the following steps are also included:

[0169] Detect login requests initiated by trading users and obtain their login information;

[0170] If the login information of the trading user is successfully verified, a login success message is sent to the trading user's first client; the first client is used to detect the pending orders provided by the trading user based on their trading account and generate proxy trading requests based on the pending orders.

[0171] In this embodiment, before receiving the proxy transaction request sent by the first client, a login request initiated by the transaction user can be detected, and the transaction user's login information can be obtained. Upon successful verification of the transaction user's login information, a login success notification message can be sent to the transaction user's first client. After successful login, the first client can detect when the transaction user generates a proxy transaction request based on the pending order, thus achieving accurate detection of the proxy transaction request.

[0172] like Figure 9 The flowchart shown is another embodiment of an information processing method in proxy payment provided by this application. The information processing method in proxy payment in this embodiment can be configured as an information processing device in proxy payment. The information processing device in proxy payment can be located in the first client. The method can include the following steps:

[0173] 901: Sends a proxy transaction request to the server. The proxy transaction request includes pending orders generated based on the transaction user's payment account. Pending orders are used to generate proxy notification information.

[0174] 902: Detects trusted users identified by the transaction user; the proxy prompt message is used to prompt the trusted user to perform proxy payment operation for the pending order; the proxy payment operation is used to prompt the second client to generate a proxy authentication request; the proxy authentication request is used to control the payment account to perform proxy payment processing for the pending order.

[0175] 903: If it is determined that the payment account has executed the proxy payment processing for the pending transaction order, then the pending transaction order is considered complete.

[0176] The specific details of each step in this application can be found in the detailed description of the first client in the above embodiments, and will not be repeated here.

[0177] In this embodiment, the transaction user's first client can send a proxy transaction request to the server. This proxy transaction request may include a pending transaction order generated based on the transaction user's payment account. It can also detect a trusted user identified by the transaction user, whose second client can be used to perform a proxy payment operation for the pending transaction order. If it is determined that the payment account has processed the payment for the pending transaction order, then the pending transaction order can be considered complete. By performing proxy payment for the pending transaction order, the transaction user's transaction payment can be completed, improving order payment efficiency.

[0178] In one possible design, the detection of trusted users identified for the transaction user includes:

[0179] Receive the server's notification of agent users who have payment associations with the transaction user;

[0180] Display proxy users and detect trusted users selected by the transaction user from the proxy users;

[0181] The method also includes:

[0182] Send trusted users to the server.

[0183] In this embodiment, the system can receive and display proxy users associated with the transaction user's payment from the server, and detect trusted users selected by the transaction user from the proxy users, then send the trusted users to the server. By providing proxy users for the transaction user to choose from, it ensures that the transaction user can independently select trusted users, achieving effective selection of proxy payment users and improving the accuracy of proxy payments.

[0184] In some embodiments, it also includes:

[0185] Detect proxy service requests initiated by trading users.

[0186] In response to a proxy service request, collect the transaction user information of the transaction user and the proxy user information corresponding to the transaction user's proxy user.

[0187] Send the agent authentication request and the agent user information corresponding to the agent user to the server; if the risk verification result of the transaction user and the agent user passes, establish a payment association.

[0188] Receive and output a notification message from the server indicating that the transaction user has successfully activated the agent payment function.

[0189] In this embodiment, a proxy authentication request initiated by a transaction user can be detected. This request, initiated by the transaction user, collects the transaction user's information and the corresponding proxy user information, completing the initial information collection. The proxy authentication request and the corresponding proxy user information are then sent to the server. If the risk verification result for both the transaction user and the proxy user passes, a payment association can be established. The risk verification result provides a more accurate payment association, improving the accuracy of risk verification.

[0190] like Figure 10 The diagram shown is a flowchart of another embodiment of an information processing method in proxy payment provided by this application. This method can be configured as an information processing device in proxy payment, which can be located on a second client. The method may include the following steps:

[0191] 1001: Received proxy notification information sent by the server; the proxy notification information is generated for the pending transaction order corresponding to the proxy transaction request initiated by the transaction user associated with the trusted user.

[0192] 1002: Output proxy prompt information and detect proxy payment operations performed by trusted users for pending orders.

[0193] 1003: If a proxy payment operation is detected, a proxy authentication request is generated.

[0194] 1004: Send a proxy authentication request to the user terminal. The proxy authentication request is used to control the payment account to perform proxy payment processing on the pending transaction order and complete the pending transaction order.

[0195] The specific details of each step in this application can be found in the detailed description of the second client in the above embodiments, and will not be repeated here.

[0196] In this embodiment, a proxy notification message sent by the server can be received. This message can indicate a proxy transaction request initiated by a trusted user associated with another user. This proxy transaction request is generated based on the corresponding pending transaction order. The proxy notification message can effectively prompt the user regarding the proxy transaction request, thereby detecting the proxy payment operation performed by the trusted user for the proxy transaction order. The proxy payment operation can directly process the payment for the pending transaction order based on the user's payment invoice, completing the pending transaction order. By using proxy payments for users, payment efficiency can be improved, avoiding transaction failures caused by users' low payment efficiency or inability to independently complete online payments.

[0197] As one embodiment, it also includes:

[0198] Receive the proxy authentication prompt message sent by the server;

[0199] Output a proxy authentication prompt message to initiate the detection of proxy payment operations initiated by trusted users.

[0200] Optionally, when the second client detects a proxy payment operation initiated by a trusted user, it can generate a proxy authentication request. The proxy authentication request includes: the encrypted instruction number of the order to be traded; the encrypted instruction number is generated based on the order to be traded. That is, the second client can generate a proxy authentication request based on the encrypted instruction number of the order to be traded.

[0201] Send a proxy authentication request to the server; the proxy authentication request instructs the server to verify whether the trusted user meets the authentication requirements, and after the verification is successful, authenticate the trusted user's proxy payment authority.

[0202] Receive the proxy authentication result sent by the server and output it.

[0203] In this embodiment, the system can receive and output proxy authentication prompts from the server. The output of these prompts can provide authentication guidance to trusted users, thereby detecting proxy authentication requests initiated by them. These proxy authentication requests instruct the server to verify whether the trusted user meets the authentication requirements. If the verification is successful, the server can then authenticate the trusted user's proxy payment permissions. By verifying the authentication requirements before authenticating proxy payment permissions, the security of proxy payments can be ensured.

[0204] One possible design also includes:

[0205] Receive identity information collection requests sent by the server.

[0206] In response to an identity information collection request, collect the real-time identity information of trusted users.

[0207] Send real-time identity information to the server. The real-time identity information instructs the server to verify the identity of the trusted user and obtain the identity verification result. The identity verification result is used to determine the proxy authentication result.

[0208] In this embodiment, an identity information collection request can be received from a server. In response to this request, the real-time identity information of a trusted user can be collected. This real-time identity information allows for the identification of the trusted user. Upon successful identification, the corresponding proxy authentication result is determined. By collecting real-time identity information, payment authentication of trusted users can be performed in real time, improving the security of proxy payments.

[0209] like Figure 11 The diagram shown is a structural schematic of one embodiment of an information processing device for agent payment provided in this application. The device may include the following units:

[0210] First receiving unit 1101: used to receive proxy transaction requests sent by the first client; the proxy transaction request includes pending transaction orders generated based on the payment account of the transaction user;

[0211] First generation unit 1102: used to generate proxy prompt information for the pending transaction order based on the pending transaction order corresponding to the proxy transaction request;

[0212] First sending unit 1103: Used to send proxy prompt information to the second client of the trusted user associated with the transaction user, so as to prompt the trusted user to perform proxy payment operation for the order to be traded, and the proxy payment operation is used to prompt the second client to generate a proxy authentication request;

[0213] First payment unit 1104: If a proxy authentication request is received from the second client, it controls the payment account to perform proxy payment processing on the pending transaction order based on the proxy authentication request, and completes the pending transaction order.

[0214] As one embodiment, the device may further include:

[0215] The proxy query unit is used to query proxy users who have payment associations with transaction users;

[0216] The proxy sending unit is used to send proxy users to the first client so that the first client can detect the trusted users selected by the transaction user from the proxy users;

[0217] The trust sending unit is used to receive the trusted user sent by the first client and obtain the trusted user associated with the transaction user.

[0218] In one possible design, the first generating unit includes:

[0219] The first generation module is used to generate transaction number and instruction number for the pending orders in the agent payment request;

[0220] The verification acquisition module is used to acquire the target verification information of the transaction user;

[0221] The instruction encryption module is used to encrypt and sign the instruction number using the encryption key in the target verification information to obtain the encrypted instruction number.

[0222] The second generation module is used to generate proxy prompt information for pending orders based on the transaction user's transaction user information, transaction number, and encrypted instruction number.

[0223] As one embodiment, it also includes:

[0224] The request detection unit is used to detect login requests sent by the second client;

[0225] The first response unit is used to respond to login requests and control the normal login of trusted users to the second client.

[0226] In some embodiments, it also includes:

[0227] The authentication prompt unit is used to generate proxy authentication prompt information and send the proxy authentication prompt information to the second client of the trusted user; the proxy authentication prompt information instructs the second client to initiate the detection of proxy payment operation.

[0228] As one embodiment, the proxy authentication request includes an encrypted instruction number and a first payment unit, comprising:

[0229] The first verification module is used to verify whether the trusted user meets the authentication conditions based on the encryption instruction number in the proxy authentication request, and obtain the first verification result.

[0230] The first authentication module is used to perform proxy authentication processing on the trusted user's proxy payment authority if the first verification result is successful, and obtain the proxy authentication result.

[0231] The second verification module is used to verify the correspondence between trusted user, transaction user, transaction number, and instruction number if the proxy authentication result is that the proxy authentication is successful, and to obtain the second verification result.

[0232] The instruction determination module is used to determine the transaction instruction corresponding to the encrypted instruction number if the second verification result is successful.

[0233] The instruction execution module is used to execute transaction instructions to control the payment account to perform agent payment processing on pending orders and complete the pending orders.

[0234] In one possible design, the first verification module includes:

[0235] The instruction decryption submodule is used to decrypt and verify the encrypted instruction number in the proxy authentication request to obtain the decryption verification result.

[0236] The risk analysis submodule is used to perform risk analysis on trusted users based on the trusted user information and the client information of the second client, and obtain the risk analysis results.

[0237] The first determination submodule is used to determine the verification pass as the first verification result if the decryption verification result is verified as passed and the risk analysis result is no risk.

[0238] In one possible design, the instruction decryption submodule can specifically be used for:

[0239] Query the target verification information corresponding to the transaction user;

[0240] The encrypted instruction number is decrypted using the decryption key in the target verification information to obtain the decrypted instruction number.

[0241] If the decrypted instruction number is the same as the instruction number associated with the trading user, then the verification is considered successful and the decryption verification result is confirmed.

[0242] As one embodiment, the first authentication module includes:

[0243] The request sending submodule is used to send a request to collect the identity information of a trusted user to the second client;

[0244] The identity receiving submodule is used to receive real-time identity information of trusted users collected by the second client;

[0245] The identity recognition submodule is used to perform identity recognition based on real-time identity information and pre-associated trusted user information to obtain the identity recognition result;

[0246] The result determination submodule is used to determine that the proxy authentication is successful if the identity recognition result is successful.

[0247] As yet another embodiment, it also includes:

[0248] The information receiving unit is used to receive the proxy service request sent by the first client of the trading user, the trading user information of the trading user, and the proxy user information corresponding to the trading user's proxy user;

[0249] The second response unit is used to respond to the proxy service request, perform risk verification processing on the transaction user and the proxy user based on the transaction user information and the proxy user information, and obtain the risk verification result;

[0250] The association establishment unit is used to establish an agent payment association between the transaction user and the agent user if the risk verification result is determined to be successful.

[0251] The verification generation unit is used to generate target verification information for the transaction user based on the payment association between the transaction user and the agent user.

[0252] The first notification unit is used to generate and output a notification message indicating that the transaction user has successfully activated the agent payment service.

[0253] As one embodiment, it also includes:

[0254] The first login unit is used to detect login requests initiated by trading users and obtain the login information of trading users;

[0255] The login verification unit is used to send a login success message to the trading user's first client if the login information of the trading user is successfully verified; the first client is used to detect the pending orders provided by the trading user based on their trading account and generate a proxy trading request based on the pending orders.

[0256] like Figure 12 The diagram shown is a structural schematic of another embodiment of an information processing device for agent payment provided in this application. The device may include the following units:

[0257] The second sending unit 1201 is used to send a proxy transaction request to the server. The proxy transaction request includes a pending transaction order generated based on the transaction user's payment account. The pending transaction order is used to generate proxy prompt information.

[0258] The first determining unit 1202 is used to detect the trusted user determined by the transaction user; the proxy prompt information is used to prompt the trusted user to perform proxy payment operation for the pending transaction order; the proxy payment operation is used to prompt the second client to generate a proxy authentication request; the proxy authentication request is used to control the payment account to perform proxy payment processing for the pending transaction order;

[0259] The second determining unit 1203 is used to determine that the pending transaction order is completed if it is determined that the payment account has performed agency payment processing for the pending transaction order.

[0260] As one embodiment, the first determining unit includes:

[0261] The proxy receiving module is used to receive proxy users who are associated with the transaction user for payment, sent by the server.

[0262] The agent display module is used to display agent users and detect trusted users selected by the transaction user from the agent users.

[0263] The device also includes:

[0264] The trust sending module is used to send trusted users to the server.

[0265] In some embodiments, it also includes:

[0266] The proxy detection unit is used to detect proxy service requests initiated by transaction users;

[0267] The third response unit is used to respond to the proxy service request and collect the transaction user information of the transaction user and the proxy user information corresponding to the transaction user's proxy user;

[0268] The information sending unit is used to send the agent authentication request and the agent user information corresponding to the agent user to the server; the risk verification results of the transaction user and the agent user are used to establish a payment association when the verification is successful.

[0269] The second notification unit is used to receive and output a notification message from the server indicating that the transaction user has successfully activated the agent payment service.

[0270] like Figure 13 The diagram shown is a structural schematic of another embodiment of an information processing device for agent payment provided in this application. The device may include the following steps:

[0271] The second receiving unit 1301 is used to receive proxy prompt information sent by the server; the proxy prompt information is generated based on the order to be traded when a transaction user associated with a trusted user initiates a proxy transaction request.

[0272] First output unit 1302: Used to output agent prompt information and detect the agent payment operation performed by the trusted user for the order to be traded;

[0273] Request generation unit 1303: Used to generate a proxy authentication request if it is determined that a proxy payment operation has been detected;

[0274] The third sending unit 1304 is used to send a proxy authentication request to the user terminal. The proxy authentication request is used to control the payment account to perform proxy payment processing on the pending transaction order and complete the pending transaction order.

[0275] As one embodiment, it also includes:

[0276] The authentication receiving unit is used to receive proxy authentication prompt information sent by the server;

[0277] The authentication output unit is used to output proxy authentication prompt information to initiate the detection of proxy payment operations initiated by trusted users.

[0278] In some embodiments, it also includes:

[0279] One possible design also includes:

[0280] The information collection unit is used to receive identity information collection requests sent by the server;

[0281] The fourth response unit is used to respond to identity information collection requests and collect real-time identity information of trusted users;

[0282] The identity sending unit is used to send real-time identity information to the server. The real-time identity information instructs the server to identify the trusted user and obtain the identity identification result. The identity identification result is used to determine the proxy authentication result.

[0283] Figure 14 This is a hardware structure block diagram of an electronic device according to an exemplary embodiment. The device may be a mobile phone, computer, digital broadcasting terminal, messaging device, game console, tablet device, medical device, fitness equipment, personal digital assistant, etc. The hardware structures of the server, first client, and second client can be referenced accordingly. Figure 14 The diagram shows a block diagram of the electronic device.

[0284] like Figure 14 As shown, device 1400 may include one or more of the following components: processing component 1402, memory 1404, power supply component 1406, multimedia component 1408, audio component 1410, input / output (I / O) interface 1412, sensor component 1414, and communication component 1416.

[0285] Processing component 1402 typically controls the overall operation of device 1400, such as operations associated with display, telephone calls, data communication, camera operation, and recording. Processing component 1402 may include one or more processors 1420 to execute instructions to perform all or part of the steps of the methods described above. Furthermore, processing component 1402 may include one or more modules to facilitate interaction between processing component 1402 and other components. For example, processing component 1402 may include a multimedia module to facilitate interaction between multimedia component 1408 and processing component 1402.

[0286] Memory 1404 is configured to store various types of data to support the operation of device 1400. Examples of this data include instructions for any application or method operating on device 1400, contact data, phonebook data, messages, pictures, videos, etc. Memory 1404 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk.

[0287] Power supply component 1406 provides power to various components of device 1400. Power supply component 1406 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power to device 1400.

[0288] Multimedia component 1408 includes a screen that provides an output interface between device 1400 and the user. In some embodiments, the screen may include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen may be implemented as a touchscreen to receive input signals from the user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensors may sense not only the boundaries of touch or swipe actions but also the duration and pressure associated with the touch or swipe operation. In some embodiments, multimedia component 1408 includes a front-facing camera and / or a rear-facing camera. When device 1400 is in an operating mode, such as a shooting mode or a video mode, the front-facing camera and / or rear-facing camera may receive external multimedia data. Each front-facing camera and rear-facing camera may be a fixed optical lens system or have focal length and optical zoom capabilities.

[0289] Audio component 1410 is configured to output and / or input audio signals. For example, audio component 1410 includes a microphone (MIC) configured to receive external audio signals when device 1400 is in an operating mode, such as call mode, recording mode, and voice recognition mode. The received audio signals may be further stored in memory 1404 or transmitted via communication component 1416. In some embodiments, audio component 1410 also includes a speaker for outputting audio signals.

[0290] I / O interface 1412 provides an interface between processing component 1402 and peripheral interface modules, such as keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to, home buttons, volume buttons, power buttons, and lock buttons.

[0291] Sensor assembly 1414 includes one or more sensors for providing state assessments of various aspects of device 1400. For example, sensor assembly 1414 may detect the on / off state of device 1400, the relative positioning of components such as the display and keypad of device 1400, changes in the position of device 1400 or a component of device 1400, the presence or absence of user contact with device 1400, the orientation or acceleration / deceleration of device 1400, and temperature changes of device 1400. Sensor assembly 1414 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. Sensor assembly 1414 may also include an optical sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, sensor assembly 1414 may also include an accelerometer, a gyroscope, a magnetometer, a pressure sensor, or a temperature sensor.

[0292] Communication component 1416 is configured to facilitate wired or wireless communication between device 1400 and other devices. Device 1400 can access wireless networks based on communication standards, such as WiFi, 2G, or 3G, or combinations thereof. In one exemplary embodiment, communication component 1416 receives broadcast signals or broadcast-related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, communication component 1416 also includes a near-field communication (NFC) module to facilitate short-range communication. For example, the NFC module may be implemented based on radio frequency identification (RFID) technology, Infrared Data Association (IrDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

[0293] In an exemplary embodiment, the apparatus 1400 may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field-programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic components to perform the methods described above.

[0294] In an exemplary embodiment, a non-transitory computer-readable storage medium including instructions is also provided, such as a memory 1404 including instructions, which can be executed by a processor 1420 of the device 1400 to perform the above-described method. For example, the non-transitory computer-readable storage medium may be a ROM, random access memory (RAM), CD-ROM, magnetic tape, floppy disk, and optical data storage device, etc.

[0295] A non-transitory computer-readable storage medium, wherein when the instructions in the storage medium are executed by the processor of a terminal device, the terminal device is able to perform the information processing method described above in the proxy payment process.

[0296] A computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the information processing method in the aforementioned proxy payment.

[0297] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.

[0298] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. An information processing method in agent payment, characterized in that, include: Receive the proxy transaction request sent by the first client; The proxy transaction request includes pending orders generated based on the transaction user's payment account; Based on the pending transaction order corresponding to the proxy transaction request, proxy notification information for the pending transaction order is generated, including: For the pending transaction order in the agent payment request, generate a transaction number and an instruction number corresponding to the transaction instruction; Obtain the target verification information of the transaction user; The instruction number is encrypted and signed using the encryption key in the target verification information to obtain the encrypted instruction number; Based on the transaction user information, the transaction number, and the encrypted instruction number, the agent prompt information for the order to be traded is generated; The proxy notification message is sent to the second client of the trusted user associated with the transaction user to prompt the trusted user to perform a proxy payment operation for the pending transaction order. The proxy payment operation is used to prompt the second client to generate a proxy authentication request. If the proxy authentication request sent by the second client is received, the payment account is controlled to perform proxy payment processing on the pending transaction order based on the proxy authentication request, thereby completing the pending transaction order.

2. The method according to claim 1, characterized in that, Before generating the proxy notification information for the pending order based on the proxy transaction request, the method further includes: Queries for agent users who have payment associations with the aforementioned transaction user; The proxy user is sent to the first client so that the first client can detect the trusted user selected by the transaction user from the proxy user; Receive the trusted user sent by the first client, and obtain the trusted user associated with the transaction user.

3. The method according to claim 1, characterized in that, Also includes: Detect the login request sent by the second client; In response to the login request, control the trusted user to log in to the second client normally.

4. The method according to claim 1, characterized in that, Also includes: Generate a proxy authentication prompt message and send the proxy authentication prompt message to the trusted user's second client; The agent authentication prompt message instructs the second client to initiate the detection of the agent payment operation.

5. The method according to claim 1, characterized in that, The proxy authentication request includes the encrypted instruction number. Based on the proxy authentication request, controlling the payment account to perform proxy payment processing on the pending transaction order to complete the pending transaction order includes: Based on the encryption instruction number in the proxy authentication request, the system verifies whether the trusted user meets the authentication requirements and obtains a first verification result. If the first verification result is successful, then the proxy payment permission of the trusted user is processed for proxy authentication to obtain the proxy authentication result; If the proxy authentication result is that the proxy authentication is successful, then the correspondence between the trusted user, the transaction user, the transaction number, and the encryption instruction number is verified to obtain a second verification result; If the second verification result is successful, then the transaction instruction corresponding to the encryption instruction number is determined; The transaction instruction is executed to control the payment account to perform proxy payment processing on the pending transaction order, thereby completing the pending transaction order.

6. The method according to claim 5, characterized in that, The step of verifying whether the trusted user meets the authentication requirements based on the encryption instruction number in the proxy authentication request, and obtaining a first verification result, includes: The encrypted instruction number in the proxy authentication request is decrypted and verified to obtain the decryption verification result; Based on the trusted user's trusted user information and the second client's client information, risk analysis is performed on the trusted user to obtain risk analysis results; If the decryption verification result is determined to be successful and the risk analysis result is determined to be risk-free, then the successful verification result is determined to be the first verification result.

7. The method according to claim 6, characterized in that, The process of decrypting and verifying the encrypted instruction number in the proxy authentication request to obtain the decryption verification result includes: Query the target verification information corresponding to the transaction user; The encrypted instruction number is decrypted using the decryption key in the target verification information to obtain the decrypted instruction number. If the decrypted instruction number is the same as the instruction number associated with the transaction user, then the verification is considered successful and the decryption verification result is confirmed.

8. The method according to claim 5, characterized in that, The process of performing proxy authentication on the trusted user's proxy payment authority to obtain the proxy authentication result includes: Send the trusted user's identity information collection request to the second client; Receive the real-time identity information of the trusted user collected by the second client; Identity recognition is performed based on the real-time identity information and the trusted user information pre-associated with the trusted user to obtain the identity recognition result; If the identity recognition result is successful, then the proxy authentication is determined to be successful.

9. The method according to claim 1, characterized in that, Also includes: Receive the proxy service request sent by the first client of the trading user, the trading user information of the trading user, and the proxy user information corresponding to the proxy user of the trading user; In response to the proxy service request, risk verification is performed on the transaction user and the proxy user based on the transaction user information and the proxy user information to obtain the risk verification result; If the risk verification result is determined to be successful, then an agency payment association is established between the transaction user and the agent user; Based on the payment association between the transaction user and the agent user, target verification information is generated for the transaction user; Generate and output a notification message indicating that the transaction user has successfully activated the agent payment service.

10. The method according to claim 1, characterized in that, Before receiving the proxy transaction request sent by the first client, the method further includes: Detect the login request initiated by the trading user and obtain the login information of the trading user; If the login information of the trading user is successfully verified, a login success notification message is sent to the trading user's first client; the first client is used to detect the pending orders provided by the trading user based on their trading account and generate a proxy trading request based on the pending orders.

11. An information processing method in agency payment, characterized in that, include: A proxy transaction request is sent to the server. The proxy transaction request includes a pending transaction order generated based on the transaction user's payment account. The pending transaction order is used to generate proxy prompt information. The proxy prompt information is generated based on the transaction user's transaction user information, transaction number, and encrypted instruction number. The transaction number and the instruction number corresponding to the transaction instruction are generated in response to the proxy transaction request. The encrypted instruction number is obtained by encrypting and signing the instruction number using the encryption key in the transaction user's target verification information. The system detects trusted users identified by the transaction user; the proxy notification information prompts the trusted user to perform a proxy payment operation for the pending transaction order; the proxy payment operation prompts the second client to generate a proxy authentication request; the proxy authentication request controls the payment account to perform proxy payment processing for the pending transaction order. If it is determined that the payment account has performed agent payment processing for the pending transaction order, then the pending transaction order is determined to be completed.

12. An information processing method in agency payment, characterized in that, include: Receive proxy notification information sent by the server; The proxy notification information is generated for the pending transaction order corresponding to the proxy transaction request initiated by the transaction user associated with the trusted user; The proxy prompt information is generated based on the transaction user information, transaction number, and encrypted instruction number of the transaction user. The transaction number and the instruction number corresponding to the transaction instruction are generated in response to the proxy transaction request. The encrypted instruction number is obtained by encrypting and signing the instruction number using the encryption key in the transaction user's target verification information. Output the proxy prompt information and detect the proxy payment operation performed by the trusted user for the pending transaction order; If the proxy payment operation is detected, a proxy authentication request is generated; The proxy authentication request is sent to the user terminal. The proxy authentication request is used to control the payment account to perform proxy payment processing on the pending transaction order and complete the pending transaction order.

13. An information processing device for agent payment, characterized in that, include: The first receiving unit is used to receive the proxy transaction request sent by the first client; The proxy transaction request includes pending orders generated based on the transaction user's payment account; The first generation unit is used to generate proxy prompt information for the pending transaction order based on the pending transaction order corresponding to the proxy transaction request. The first generation unit includes: The first generation module is used to generate a transaction number and an instruction number corresponding to the transaction instruction for the pending transaction order in the agent payment request; The verification acquisition module is used to acquire the target verification information of the transaction user; The instruction encryption module is used to encrypt and sign the instruction number using the encryption key in the target verification information to obtain the encrypted instruction number. The second generation module is used to generate proxy prompt information for the order to be traded based on the transaction user information, the transaction number, and the encryption instruction number of the transaction user. The first sending unit is used to send the proxy prompt information to the second client of the trusted user associated with the transaction user, so as to prompt the trusted user to perform a proxy payment operation for the order to be traded, and the proxy payment operation is used to prompt the second client to generate a proxy authentication request; The first payment unit is configured to, upon receiving the proxy authentication request sent by the second client, control the payment account to perform proxy payment processing on the pending transaction order based on the proxy authentication request, thereby completing the pending transaction order.

14. An information processing device for agent payment, characterized in that, include: The second sending unit is used to send a proxy transaction request to the server. The proxy transaction request includes a pending transaction order generated based on the transaction user's payment account. The pending transaction order is used to generate proxy prompt information. The proxy prompt information is generated based on the transaction user's transaction user information, transaction number, and encrypted instruction number. The transaction number and the instruction number corresponding to the transaction instruction are generated in response to the proxy transaction request. The encrypted instruction number is obtained by encrypting and signing the instruction number using the encryption key in the transaction user's target verification information. The first determining unit is used to detect the trusted user determined by the transaction user; the proxy prompt information is used to prompt the trusted user to perform a proxy payment operation for the pending transaction order; the proxy payment operation is used to prompt the second client to generate a proxy authentication request; the proxy authentication request is used to control the payment account to perform proxy payment processing for the pending transaction order; The second determining unit is used to determine that the pending transaction order is completed if it is determined that the payment account has performed agent payment processing for the pending transaction order.

15. An information processing device for agent payment, characterized in that, include: The second receiving unit is used to receive proxy prompt information sent by the server; The proxy notification information is generated for the pending transaction order corresponding to the proxy transaction request initiated by the transaction user associated with the trusted user; The proxy prompt information is generated based on the transaction user information, transaction number, and encrypted instruction number of the transaction user. The transaction number and the instruction number corresponding to the transaction instruction are generated in response to the proxy transaction request. The encrypted instruction number is obtained by encrypting and signing the instruction number using the encryption key in the transaction user's target verification information. The first output unit is used to output the proxy prompt information and detect the proxy payment operation performed by the trusted user for the order to be traded; The request generation unit is configured to generate a proxy authentication request if it is determined that the proxy payment operation has been detected. The third sending unit is used to send the proxy authentication request to the user terminal. The proxy authentication request is used to control the payment account to perform proxy payment processing on the pending transaction order and complete the pending transaction order.

16. An electronic device, characterized in that, include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the information processing method in agency payment as described in any one of claims 1-12.

17. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executable instructions, which, when executed by a processor, are used to implement the information processing method in agency payment as described in any one of claims 1-12.

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