Secure payment method, system and storage medium

Abstract

The application particularly relates to a safe payment method, a system and a storage medium, based on payment information tracing past payment records, and correcting the risk value of payment according to the past payment records, so as to trigger the cloud private key embedded in the payment process according to the risk value of payment, so as to trigger the cloud private key to further encrypt the payment process, and set a payment trusted code in the payment process; increase the risk algorithm of the payment trusted code, and increase the corresponding encryption matrix order to form an encrypted payment code, if the encrypted payment code is triggered, the payment process is continued, and the payment time is delayed according to the risk value of payment, at this time, the cloud private key, the payment trusted code and the corresponding encryption matrix order of the payment trusted code are introduced in the payment process to form the encrypted payment code, which further increases the safety of payment, and the payment time is delayed according to the risk value of payment.

Description

Technical Field

[0001] This invention belongs to the technical field of secure payment, specifically relating to a secure payment method, system, and storage medium. Background Technology

[0002] With the development of technology, electronic currency or money is used in various payment scenarios, and the security of payments has gradually become a concern. In the current technology, the current payment process embeds dynamic verification codes and payment passwords. However, the dynamic verification code is directly displayed on the interface. When others know the original payment password, the payment process can be easily triggered, resulting in low payment security. In particular, there is no good secure payment solution for payments using mobile terminals. Summary of the Invention

[0003] To address the issue of low security in existing payment methods, this invention provides a secure payment method, system, and storage medium.

[0004] This invention is achieved using the following technical solution:

[0005] Obtain payment information from mobile devices;

[0006] Based on payment information, trace past payment records and adjust the payment risk value accordingly;

[0007] The payment risk value triggers the embedding of a private key in the cloud into the payment process;

[0008] The payment process proceeds sequentially through the mobile terminal and the server, and a payment trust code is set within the payment process.

[0009] A risk algorithm is added to the payment trust code, and the corresponding encryption matrix order is increased to form an encrypted payment code;

[0010] If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the risk value of the payment.

[0011] Optionally, obtaining the payment information of the mobile terminal includes: obtaining the location information of the mobile terminal; determining that the payment person is located in China based on the location information of the mobile terminal; obtaining the payment information of the mobile terminal; traversing the payment information and obtaining the IP addresses of the payment terminal and the receiving terminal; performing payment security control based on the IP addresses and recording the interaction information between the two IP addresses.

[0012] Optionally, the step of tracing past payment records based on payment information and correcting the payment risk value based on past payment records includes: tracing past payment records based on payment information; collecting past payment records and forming a payment record set; parsing the payment record set and identifying duplicate payment information; defining duplicate payment information as past payment records; correcting the payment risk value based on past payment records; performing anomaly retrieval on past payment records and further correcting the payment risk value based on anomalies.

[0013] Optionally, the step of triggering the embedding of the cloud's private key into the payment process based on the payment risk value includes: obtaining the payment risk value; if the payment risk value meets a preset risk value threshold, associating the mobile terminal and the cloud; triggering the embedding of the cloud's private key into the payment process based on the payment risk value, wherein the level of the cloud's private key corresponds to the stage range of the payment risk value; the complexity of the cloud's private key is adjusted according to the level of the cloud's private key, and a single private key verification is introduced.

[0014] Optionally, the step of sequentially passing through the mobile terminal and the server along the payment process and setting a payment trust code in the payment process includes: sequentially passing through the mobile terminal and the server along the payment process; the payment process unidirectionally entering the server from the mobile terminal; setting a payment trust code in the payment process, wherein the payment trust code is evolved based on payment information and incorporates payment confidence.

[0015] Optionally, adding a risk algorithm to the payment trust code and increasing the corresponding encryption matrix order to form an encrypted payment code includes: adding a risk algorithm to the payment trust code, wherein the risk algorithm evolves based on previous payment records and payment error items; the risk algorithm is added to the payment trust code and risk control is performed in the first payment channel of the payment trust code; adding a corresponding encryption matrix order to the payment trust code to form an encrypted payment code, wherein the encryption matrix order performs barcode calculations on the payment trust code; the encrypted payment code is marked with an encryption mark corresponding to the encryption matrix order; when the encryption mark is triggered, the encrypted payment code serves as the unique authentication code for the payment process.

[0016] Optionally, the step of continuing the payment process if the encrypted payment code is triggered, and delaying the payment time according to the risk value of the payment, includes: continuing the payment process if the encrypted payment code is triggered; advancing along the payment process; obtaining the risk value of the payment, and delaying the payment time according to the risk value of the payment; and interrupting the payment process and displaying an anomaly on the mobile terminal if the payment time reaches a preset time threshold.

[0017] The present invention also includes a secure payment system, wherein the secure payment system employs the above-described secure payment method; the secure payment system includes:

[0018] The acquisition module is used to acquire payment information from the mobile terminal;

[0019] The correction module is used to trace past payment records based on payment information and correct the risk value of the payment based on the past payment records;

[0020] The private key module is used to trigger the embedding of the private key in the cloud into the payment process based on the risk value of the payment;

[0021] The payment module is used to sequentially pass through the mobile terminal and the server along the payment process, and to set the payment trust code in the payment process;

[0022] The encryption module is used to add risk algorithms to the payment trust code and increase the corresponding encryption matrix order to form an encrypted payment code;

[0023] The delay module is used to continue the payment process if the encrypted payment code is triggered, and to delay the payment time based on the risk value of the payment.

[0024] The present invention also includes a storage medium storing a computer program that, when loaded and executed by a processor, implements the steps of the secure payment method.

[0025] The technical solution provided by this invention has the following beneficial effects:

[0026] Based on payment information, past payment records are traced, and the risk value of the payment is adjusted accordingly. This allows the cloud-based private key to be embedded in the payment process based on the risk value, thereby triggering further encryption of the payment process using the cloud-based private key. A payment trust code is set within the payment process; a risk algorithm is added to the payment trust code, and the corresponding encryption matrix order is increased to form an encrypted payment code. If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the payment risk value. At this point, the introduction of the cloud-based private key and payment trust code into the payment process, along with the encryption matrix order corresponding to the payment trust code to form an encrypted payment code, further enhances payment security. Additionally, the payment time is delayed based on the payment risk value. Attached Figure Description

[0027] The accompanying drawings are provided to further illustrate the invention and form part of the specification. They are used in conjunction with embodiments of the invention to explain the invention and do not constitute a limitation thereof. In the drawings:

[0028] Figure 1 This is a flowchart illustrating the secure payment method in an embodiment of the present invention.

[0029] Figure 2 This is a flowchart illustrating the process of correcting the risk value in the secure payment method of this invention.

[0030] Figure 3 This is a schematic diagram of the private key verification process of the secure payment method in this embodiment of the invention.

[0031] Figure 4 This is a flowchart illustrating the payment trust code process of the secure payment method in this embodiment of the invention.

[0032] Figure 5 This is a flowchart illustrating the encrypted payment code of the secure payment method in an embodiment of the present invention.

[0033] Figure 6 This is a framework diagram of the secure payment method in an embodiment of the present invention.

[0034] Figure 7 This is a schematic diagram of the payment process of the secure payment method in an embodiment of the present invention.

[0035] Figure 8 This is a schematic diagram of the update process of the secure payment method in an embodiment of the present invention.

[0036] Figure 9 This is a system block diagram of a secure payment system according to an embodiment of the present invention. Detailed Implementation

[0037] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the invention.

[0038] Specifically, the embodiments of this application will be further described below with reference to the accompanying drawings.

[0039] like Figures 1 to 8 As shown, one embodiment of the present invention provides a secure payment method for classifying scattered primitive models into business models; the method includes the following steps:

[0040] S10: Obtain payment information from the mobile terminal.

[0041] S20: Based on payment information, trace past payment records and adjust the risk value of the payment accordingly.

[0042] S30: The private key in the cloud is embedded in the payment process based on the risk value of the payment.

[0043] S40: The payment process proceeds sequentially through the mobile terminal and the server, and a payment trust code is set during the payment process.

[0044] S50: Add a risk algorithm to the payment trust code and increase the corresponding encryption matrix order to form an encrypted payment code.

[0045] S60: If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the risk value of the payment.

[0046] In this embodiment, the technical solution provided by the present invention traces past payment records based on payment information and corrects the payment risk value according to the past payment records. This allows the cloud-based private key to be embedded in the payment process based on the payment risk value, thereby triggering the cloud-based private key to further encrypt the payment process. A payment trust code is set in the payment process; a risk algorithm is added to the payment trust code, and the corresponding encryption matrix order is increased to form an encrypted payment code. If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the payment risk value. At this point, the introduction of the cloud-based private key and payment trust code into the payment process, along with the encryption matrix order corresponding to the payment trust code to form an encrypted payment code, further enhances payment security. Additionally, the payment time is delayed based on the payment risk value.

[0047] Specifically, S10: Obtain payment information from the mobile terminal;

[0048] In the specific implementation of this invention, the specific steps can be as follows:

[0049] Obtain the location information of the mobile terminal; determine that the payment personnel are located in China based on the location information of the mobile terminal; obtain the payment information of the mobile terminal; traverse the payment information and obtain the IP addresses of the payment terminal and the receiving terminal; perform payment security control based on the IP addresses and record the interaction information between the two IP addresses.

[0050] This process involves obtaining the location information of the mobile terminal, traversing the addresses within that location information to obtain the corresponding address names, and then using the address names to determine the country of origin. Based on the location information of the mobile terminal, it is determined that the payment personnel are located within China, and the payment information is then subject to control within China to prevent foreign fraud from proceeding smoothly.

[0051] In addition, the system obtains payment information from the mobile terminal; iterates through the payment information and obtains the IP addresses of the payment and receiving ends; it performs payment security control based on the IP addresses and records the interaction information between the two IP addresses. At this point, information control is performed on the IP addresses, involving corresponding payment security control, so as to control the payment process and record the interaction information between the two IP addresses, thereby realizing the control of the interaction information between the two IP addresses, so as to intervene in the payment in a timely manner, thereby achieving payment control.

[0052] S20: Based on payment information, trace past payment records and adjust the risk value of payments accordingly;

[0053] In the specific implementation of this invention, the specific steps can be as follows:

[0054] S21: Tracing past payment records based on payment information;

[0055] S22: Collect past payment records and form a payment record set;

[0056] S23: Parse the payment record set and identify duplicate payment information;

[0057] S24: Define past payment records based on repeated payment information;

[0058] S25: Adjust the risk value of the payment based on past payment records;

[0059] S26: Perform anomaly retrieval on past payment records and further adjust the payment risk value based on the anomalies;

[0060] This involves tracing past payment records based on payment information, recording these records, and processing them as parameter data to facilitate the collection of past payment records and form a payment record set. This payment record set can then be retrieved, parsed, and used to identify duplicate payment information. This duplicate payment information serves as evidence for multiple transactions, allowing for the estimation of corresponding payment risk values ​​through these evidence.

[0061] The system adjusts the risk value of payments based on past payment records, performs anomaly searches on past payment records, and further adjusts the risk value of payments based on anomalies. This introduces the concept of risk value into the payment process, enabling corresponding risk control based on the risk value and improving payment security.

[0062] S30: Based on the risk value of the payment, the private key in the cloud is embedded in the payment process;

[0063] In the specific implementation of this invention, the specific steps can be as follows:

[0064] S31: Obtain the risk value of the payment;

[0065] S32: If the risk value of the payment meets the preset risk value threshold, then link the mobile terminal and the cloud;

[0066] S33: Based on the risk value of the payment, the private key in the cloud is embedded in the payment process, wherein the level of the private key in the cloud corresponds to the stage range of the risk value of the payment;

[0067] S34: The complexity of the private key in the cloud is adjusted according to the level of the private key in the cloud, and a single private key verification is introduced.

[0068] The process involves obtaining a risk value for the payment and then using that risk value to manage the payment security. If the risk value of the payment meets a preset risk value threshold, the mobile terminal and the cloud are linked. The cloud is used to further restrict payments made through the mobile terminal. As an external terminal, the cloud can be connected to the mobile terminal via a communication network, thus making full use of the information in the cloud to further improve the security of the payment.

[0069] The payment risk value triggers the embedding of the cloud private key into the payment process. The level of the cloud private key corresponds to the stage range of the payment risk value. At this time, the payment risk value triggers the embedding of the cloud private key into the payment process, and the cloud private key is added to the payment process. The security of the payment is further improved by the cloud private key, and the level of the cloud private key corresponds to the stage range of the payment risk value.

[0070] In addition, the complexity of the private key in the cloud is controlled according to the level of the private key in the cloud, and a single private key verification is introduced. The complexity of the private key in the cloud can be complex code, numbers or text symbols, etc., and can also be in different arrangements.

[0071] S40: The payment process proceeds sequentially through the mobile terminal and the server, and a payment trust code is set during the payment process;

[0072] In the specific implementation of this invention, the specific steps can be as follows:

[0073] S41: The payment process proceeds sequentially through the mobile terminal and the server;

[0074] S42: The payment process proceeds unidirectionally from the mobile terminal to the server.

[0075] S43: Set a payment trust code in the payment process, wherein the payment trust code is based on payment information and introduces payment confidence.

[0076] The payment process sequentially involves the mobile terminal and the server, which interact via a communication network. The Business Tongbao terminal supports multiple payment methods: bank cards, UnionPay QR code payments, WeChat Pay, and Alipay. It also supports convenient services such as direct mobile phone top-ups, game card top-ups, transportation card top-ups, and electricity bill payments. The backend support system can provide high-quality services to various applications, improving operational efficiency and increasing profitability.

[0077] The payment process is a one-way flow from the mobile terminal to the server, and the mobile terminal connects to the server in a one-way manner to prevent external viruses from being inputted back through the server. A payment trust code is set in the payment process. The payment trust code is evolved from the payment information and incorporates a payment confidence level. At this point, the payment trust code is based on the payment information and incorporates a payment confidence level. The payment confidence level further ensures the complexity of the payment trust code and improves its security.

[0078] S50: Add a risk algorithm to the payment trust code and increase the corresponding encryption matrix order to form an encrypted payment code;

[0079] In the specific implementation of this invention, the specific steps can be as follows:

[0080] S51: Add a risk algorithm to the payment trust code, wherein the risk algorithm evolves based on past payment records and payment errors;

[0081] S52: Risk algorithms are incorporated into the payment trust code, and risk control is performed in the first payment channel of the payment trust code;

[0082] S53: Add the corresponding encryption matrix order to the payment trust code to form an encrypted payment code, wherein the encryption matrix order performs barcode calculation on the payment trust code;

[0083] S54: The encrypted payment code contains an encrypted marker corresponding to the order of the encryption matrix;

[0084] S55: When the encryption token is triggered, the encrypted payment code serves as the unique authentication code for the payment process.

[0085] Among these measures, a risk algorithm is added to the payment trust code. This risk algorithm evolves based on past payment records and payment errors, and it fully utilizes these records for training to facilitate risk control of the payment trust code.

[0086] Risk algorithms are incorporated into the payment trust code, and risk control is performed in the first payment channel of the payment trust code. A corresponding encryption matrix order is added to the payment trust code to form an encrypted payment code. The encryption matrix order performs barcode calculations on the payment trust code. At this point, the encryption matrix order is introduced, and the encryption matrix order performs barcode calculations on the payment trust code, which increases the single complexity of the payment trust code, thereby improving the security of payment.

[0087] When the encryption token is triggered, the encrypted payment code serves as the unique authentication code for the payment process. Only through single authentication of the encrypted payment code can the corresponding payment process be completed, thus facilitating the payment process.

[0088] S60: If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the risk value of the payment;

[0089] In the specific implementation of this invention, the specific steps can be as follows:

[0090] If the encrypted payment code is triggered, the payment process continues; proceed along the payment process; obtain the risk value of the payment, and delay the payment time according to the risk value; if the payment time reaches the preset time threshold, the payment process is interrupted, and an anomaly is displayed on the mobile terminal.

[0091] At this point, the payment process proceeds forward; the risk value of the payment is obtained so that the payment time can be delayed based on the risk value. Different risk values ​​correspond to different payment times, and the payment time is controlled.

[0092] If the payment time reaches a preset time threshold, the payment process will be interrupted, and an anomaly will be displayed on the mobile terminal to facilitate control based on the anomaly and further ensure payment security.

[0093] In addition, further explanation is provided regarding the payment process:

[0094] Choose from the bank card / WeChat / Alipay menu.

[0095] Enter the amount, enter the amount

[0096] Bank card payment: Insert / tap / swipe bank card, enter PIN to confirm;

[0097] WeChat Pay and Alipay Pay: Scan the payment code at the terminal.

[0098] The terminal sends a transaction request to the EasyPiao POSP, which then forwards the request to the UnionPay POSP.

[0099] UnionPay POSP processes this transaction request and returns the processing result to EasyPiao POSP, which then forwards the result to the terminal.

[0100] Purchase successful. Print payment receipt.

[0101] In addition, operators configure business information on the operations management platform. Business information includes game type, denomination type, etc.

[0102] Operators import game card data into the Yunyin management platform, including the game card's recharge password, face value, and selling price.

[0103] The operator sends business information to the terminal: game card type and face value.

[0104] The terminal selects to update, and sends a service update request to the server.

[0105] If OSS has configured services for the terminal, the server will distribute the services to the terminal.

[0106] Electronic data can only be downloaded when there is a service available on the terminal.

[0107] Another option is downloading electronic data:

[0108] Select the "Game Cards" menu. Select the game card you want to download and choose the card's denomination.

[0109] The terminal prompts "Do you want to use electronic payment?". Press "OK" to use electronic payment and swipe your bank card, membership card, or city pass card to pay; press "Cancel" to use cash payment.

[0110] After payment is completed, the terminal sends a request to the EasyPiaoLian OSS server to download the game points card. Upon receiving the download request, the server checks if the inventory is sufficient. If not, it returns "Insufficient Inventory." If the inventory is sufficient, it checks if the merchant's account has enough credit. If the credit is insufficient, it returns "Insufficient Credit." If the credit is sufficient, it first deducts the face value, encrypts the game points card, and then sends it to the terminal.

[0111] The terminal received the encrypted game points card and returned a successful download message.

[0112] The terminal decrypts the game card and prints it out. Then, it uploads the printed transaction to the server. The server marks the game card as sold.

[0113] The technical solution provided by this invention traces past payment records based on payment information and corrects the payment risk value according to these records. This allows the cloud-based private key to be embedded in the payment process based on the risk value, thereby triggering further encryption of the payment process using the cloud-based private key. A payment trust code is also set within the payment process. A risk algorithm is added to the payment trust code, and the corresponding encryption matrix order is increased to form an encrypted payment code. If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the payment risk value. By introducing the cloud-based private key and payment trust code into the payment process, and by increasing the encryption matrix order corresponding to the payment trust code to form an encrypted payment code, the security of the payment is further enhanced. Additionally, the payment time is delayed based on the payment risk value.

[0114] In one embodiment of the present invention, a secure payment system is also disclosed, which employs the above-described secure payment method; the secure payment system includes a login module 101, a correction module 102, a private key module 103, a payment module 104, an encryption module 105, and a delay module 106.

[0115] The acquisition module 101 is used to acquire payment information from the mobile terminal;

[0116] The correction module 102 is used to trace past payment records based on payment information and correct the risk value of the payment based on the past payment records;

[0117] Private key module 103 is used to trigger the embedding of the private key in the cloud into the payment process based on the risk value of the payment;

[0118] The payment module 104 is used to sequentially pass through the mobile terminal and the server along the payment process, and to set the payment trust code in the payment process;

[0119] The encryption module 105 is used to add a risk algorithm to the payment trust code and increase the corresponding encryption matrix order to form an encrypted payment code;

[0120] The delay module 106 is used to continue the payment process if the encrypted payment code is triggered, and to delay the payment time based on the risk value of the payment.

[0121] The technical solution provided by this invention traces past payment records based on payment information and corrects the payment risk value according to these records. This allows the cloud-based private key to be embedded in the payment process based on the risk value, thereby triggering further encryption of the payment process using the cloud-based private key. A payment trust code is also set within the payment process. A risk algorithm is added to the payment trust code, and the corresponding encryption matrix order is increased to form an encrypted payment code. If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the payment risk value. By introducing the cloud-based private key and payment trust code into the payment process, and by increasing the encryption matrix order corresponding to the payment trust code to form an encrypted payment code, the security of the payment is further enhanced. Additionally, the payment time is delayed based on the payment risk value.

[0122] In one embodiment of the present invention, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above-described method embodiments.

[0123] The technical solution provided by this invention traces past payment records based on payment information and corrects the payment risk value according to these records. This allows the cloud-based private key to be embedded in the payment process based on the risk value, thereby triggering further encryption of the payment process using the cloud-based private key. A payment trust code is also set within the payment process. A risk algorithm is added to the payment trust code, and the corresponding encryption matrix order is increased to form an encrypted payment code. If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the payment risk value. By introducing the cloud-based private key and payment trust code into the payment process, and by increasing the encryption matrix order corresponding to the payment trust code to form an encrypted payment code, the security of the payment is further enhanced. Additionally, the payment time is delayed based on the payment risk value.

[0124] In one embodiment of the present invention, a storage medium is also provided, on which a computer program is stored, which, when executed by a processor, implements the steps in the above-described method embodiments.

[0125] The technical solution provided by this invention traces past payment records based on payment information and corrects the payment risk value according to these records. This allows the cloud-based private key to be embedded in the payment process based on the risk value, thereby triggering further encryption of the payment process using the cloud-based private key. A payment trust code is also set within the payment process. A risk algorithm is added to the payment trust code, and the corresponding encryption matrix order is increased to form an encrypted payment code. If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the payment risk value. By introducing the cloud-based private key and payment trust code into the payment process, and by increasing the encryption matrix order corresponding to the payment trust code to form an encrypted payment code, the security of the payment is further enhanced. Additionally, the payment time is delayed based on the payment risk value.

[0126] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the embodiments of the above methods. Furthermore, any references to memory, storage, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory.

[0127] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A secure payment method, comprising: Obtain payment information from mobile devices; Based on payment information, trace past payment records and adjust the payment risk value accordingly; The payment risk value triggers the embedding of a private key in the cloud into the payment process; The payment process proceeds sequentially through the mobile terminal and the server, and a payment trust code is set within the payment process; including: The payment process proceeds sequentially through the mobile terminal and the server. The payment process proceeds unidirectionally from the mobile terminal to the server. A payment trust code is set in the payment process. The payment trust code is based on payment information and incorporates payment confidence. A risk algorithm is added to the payment trust code, and the corresponding encryption matrix order is increased to form an encrypted payment code; including: A risk algorithm is added to the payment trust code, which evolves based on past payment records and payment errors. Risk algorithms are incorporated into the payment trust code, and risk control is carried out in the first payment channel of the payment trust code; Add a corresponding encryption matrix order to the payment trust code to form an encrypted payment code. The encryption matrix order is used to perform barcode calculation on the payment trust code. The encrypted payment code contains encryption markers corresponding to the order of the encryption matrix; When the encryption token is triggered, the encrypted payment code serves as the unique authentication code for the payment process. If the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the risk value of the payment.

2. The secure payment method as described in claim 1, characterized in that: The acquisition of payment information from the mobile terminal includes: Obtain the location information of the mobile terminal; The location information from the mobile terminal was used to determine that the payment personnel were located within China; Obtain payment information from mobile devices; Iterate through the payment information and obtain the IP addresses of the payment terminal and the receiving terminal; Payment security is managed based on IP addresses, and the interaction information between the two IP addresses is recorded.

3. The secure payment method as described in claim 2, characterized in that: The method of tracing past payment records based on payment information and adjusting the payment risk value according to past payment records includes: Based on payment information, previous payment records can be traced; Collect past payment records and form a payment record set; The payment record set is parsed, and duplicate payment information is identified; Repeated payment information is defined as past payment records; Adjust the risk value of the payment based on past payment records; Perform anomaly searches on past payment records and further adjust the payment risk value based on the anomalies.

4. The secure payment method as described in claim 3, characterized in that: The process of embedding a private key in the cloud based on the risk value of the payment includes: Obtain the risk value of the payment; If the risk value of the payment meets the preset risk value threshold, then the mobile terminal and the cloud are linked; The private key in the cloud is embedded in the payment process based on the risk value of the payment. The level of the private key in the cloud corresponds to the stage range of the risk value of the payment. The complexity of the private key in the cloud is adjusted according to the level of the private key in the cloud, and a single private key verification is introduced.

5. The secure payment method as described in claim 1, characterized in that: The provision that if the encrypted payment code is triggered, the payment process continues, and the payment time is delayed based on the risk value of the payment includes: If the encrypted payment code is triggered, the payment process continues; Proceed forward along the payment process; Obtain the risk value of the payment and delay the payment time based on the risk value; If the payment time reaches the preset time threshold, the payment process will be interrupted, and an error will be displayed on the mobile terminal.

6. A secure payment system, characterized in that: The secure payment system employs the secure payment method described in any one of claims 1-5; the secure payment system comprises: The acquisition module is used to acquire payment information from the mobile terminal; The correction module is used to trace past payment records based on payment information and correct the risk value of the payment based on the past payment records; The private key module is used to trigger the embedding of the private key in the cloud into the payment process based on the risk value of the payment; The payment module is used to sequentially pass through the mobile terminal and the server along the payment process, and to set the payment trust code in the payment process; The encryption module is used to add risk algorithms to the payment trust code and increase the corresponding encryption matrix order to form an encrypted payment code; The delay module is used to continue the payment process if the encrypted payment code is triggered, and to delay the payment time based on the risk value of the payment.

7. A storage medium storing a computer program, characterized in that, When the computer program is loaded and executed by the processor, it implements the steps of the method according to any one of claims 1 to 5.

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