Payment verification method, apparatus, device, and storage medium

Abstract

An embodiment of the present specification provides a payment verification method and device, equipment and storage medium, wherein the method comprises: obtaining an order payment request of an order payment party, and performing identity consistency verification on the order payment party and an order creator of an order according to the order payment request. If the identity consistency verification is passed, payment processing is performed based on the order payment request. If the identity consistency verification is not passed, trusted relationship verification is performed on the order payment party and the order creator. If the trusted relationship verification is passed, payment processing is performed based on the order payment request.

Description

[0001] This patent application is a divisional application of Chinese patent application No. 202010711883.2, filed on July 22, 2020, entitled "Payment Verification Method, Apparatus, Device and Storage Medium". Technical Field

[0002] This document relates to the field of Internet technology, and in particular to a payment verification method, device, equipment, and storage medium. Background Technology

[0003] Currently, after ordering goods online, buyers can pay through a third-party payment platform. However, if a buyer chooses another user to pay on their behalf, the merchant only knows the buyer's information and not the payer's information because the payer primarily communicates with the third-party payment platform and not directly with the merchant. Similarly, the third-party payment platform only knows the payer's information and not the buyer's information because it primarily communicates with the payer and not directly with the buyer.

[0004] In the aforementioned payment scenarios, the vulnerability that merchants only have access to the buyer's information and not the payer's information, while third-party payment platforms only have access to the payer's information and not the buyer's information, can be easily exploited by criminals to steal funds. For example, criminals could use their own accounts to place orders and then use stolen accounts to make payments. Therefore, it is necessary to provide a technical solution to identify risks during the payment process, ensuring the safety of the payer's funds and improving the security of the payer's account. Summary of the Invention

[0005] This specification provides one or more embodiments of a payment verification method. The method includes obtaining environmental information of the terminal device of the order creator from a merchant system based on an order payment request from an order payer. Based on the environmental information of the order payer's terminal device and the order creator's terminal device included in the order payment request, the method verifies the identity consistency of the order payer and the order creator. If the identity consistency verification passes, payment processing is performed based on the order payment request. If the identity consistency verification fails, a trust relationship verification is performed between the order payer and the order creator by filling in verification information. If the trust relationship verification passes, payment processing is performed based on the order payment request.

[0006] This specification provides one or more embodiments of a payment verification device. The device includes a first verification module that, based on an order payment request from an order payer, obtains environmental information of the terminal device of the order creator from a merchant system. Based on the environmental information of the order payer's terminal device and the order creator's terminal device included in the order payment request, the device performs identity consistency verification on the order payer and the order creator. The device also includes a first payment module that, if the identity consistency verification passes, performs payment processing based on the order payment request. The device further includes a second verification module that, if the identity consistency verification fails, performs trusted relationship verification on the order payer and the order creator by filling in verification information. The device also includes a second payment module that, if the trusted relationship verification passes, performs payment processing based on the order payment request.

[0007] This specification provides one or more embodiments of a payment verification device. The device includes a processor and a memory arranged to store computer-executable instructions. When executed, the computer-executable instructions cause the processor to obtain environmental information of the terminal device of the order creator from a merchant system based on an order payment request from an order payer. Based on the environmental information of the order payer's terminal device and the order creator's terminal device included in the order payment request, identity consistency verification is performed on the order payer and the order creator. If the identity consistency verification passes, payment processing is performed based on the order payment request. If the identity consistency verification fails, a trust relationship verification is performed on the order payer and the order creator by filling in verification information. If the trust relationship verification passes, payment processing is performed based on the order payment request.

[0008] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions. When executed by a processor, the computer-executable instructions, based on an order payment request from an order payer, obtain environmental information of the terminal device of the order creator from a merchant system. Based on the environmental information of the order payer's terminal device and the order creator's terminal device included in the order payment request, identity consistency verification is performed on the order payer and the order creator. If the identity consistency verification passes, payment processing is executed based on the order payment request. If the identity consistency verification fails, a trust relationship verification is performed on the order payer and the order creator by filling in verification information. If the trust relationship verification passes, payment processing is executed based on the order payment request. Attached Figure Description

[0009] To more clearly illustrate the technical solutions in one or more embodiments of this specification, the accompanying drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0010] Figure 1 This is a schematic diagram illustrating a scenario of a payment verification method provided in one embodiment of this specification.

[0011] Figure 2 This is a flowchart illustrating a payment verification method provided in one embodiment of this specification.

[0012] Figure 3 A flowchart illustrating a payment verification method provided in another embodiment of this specification;

[0013] Figure 4 A flowchart illustrating a payment verification method provided in another embodiment of this specification;

[0014] Figure 5 This is a schematic diagram of the structure of a payment verification device provided in one embodiment of this specification;

[0015] Figure 6 This is a schematic diagram of the structure of a payment verification device provided in another embodiment of this specification;

[0016] Figure 7 This is a schematic diagram of the structure of a payment verification device provided in one embodiment of this specification. Detailed Implementation

[0017] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0018] The purpose of one embodiment of this specification is to provide a payment verification method, apparatus, device, and storage medium to identify risks during payment, protect the security of the payer's funds, and improve the security of the payer's account.

[0019] Figure 1 This is a schematic diagram illustrating a scenario of a payment verification method provided in one embodiment of this specification, such as... Figure 1As shown, this scenario includes a terminal device 101 for the order payer, a terminal device 102 for the order creator, a merchant system 103, and a payment service system 104. Terminal device 101 can be an electronic device with payment functionality, such as a mobile phone, computer, or tablet. Terminal device 102 can be an electronic device with order placement functionality, such as a mobile phone, computer, or tablet. Merchant system 103 can consist of multiple merchant servers or a cluster of multiple merchant servers. Payment service system 104 can consist of multiple payment servers or a cluster of multiple payment servers. Figure 1 In the scenario shown, the payment service system 104 can communicate with the merchant system 103 and the terminal device 101 of the order payer, and the terminal device 102 of the order creator can communicate with the merchant system 103, thereby realizing the payment verification method in this embodiment, performing risk identification when the order payer makes payment, ensuring the safety of the order payer's funds, and improving the security of the order payer's account.

[0020] Figure 2 This is a flowchart illustrating a payment verification method provided in one embodiment of this specification. The payment verification method in this embodiment can be provided by... Figure 1 The payment service system shown in the figure executes, as follows: Figure 2 As shown, the process includes the following steps:

[0021] Step S202: Obtain the order payment request from the order payer;

[0022] Step S204: Based on the order payment request, verify the identity consistency between the order payer and the order creator.

[0023] Step S206: If the identity consistency verification passes, then perform payment processing based on the order payment request;

[0024] Step S208: If the identity consistency verification fails, then verify the trusted relationship between the order payer and the order creator.

[0025] Step S210: If the trusted relationship verification passes, then perform payment processing based on the order payment request.

[0026] As can be seen, in this embodiment, identity consistency verification can be performed on the order payer and the order creator in the order payment scenario. If the identity consistency verification passes, payment processing is executed based on the order payer's order payment request. If the identity consistency verification fails, the trust relationship verification between the order payer and the order creator is performed. If the trust relationship verification passes, payment processing is executed based on the order payer's order payment request. This allows for risk identification during the order payer's payment process, ensuring the safety of the order payer's funds and improving the security of the order payer's account.

[0027] In step S202 above, the payment service system obtains the order payment request from the order payer. In one embodiment, after the order creator executes the order placement operation, the merchant system can generate order payment information for the order creator based on the order placement operation, such as generating a payment QR code. When the order creator and the order payer are not the same user, the order creator can send the order payment information to the order payer, who will then send an order payment request to the payment service system based on this information, thereby receiving the order payment request from the order payer. When the order creator and the order payer are the same user, the order creator, as the order payer, sends an order payment request to the payment service system based on the order payment information, thereby receiving the order payment request from the order payer.

[0028] In one embodiment, the order payment information is a payment QR code. The order payer can scan the payment QR code with a terminal device to activate a third-party payment platform, confirm the payee and amount on the third-party payment platform, enter the payment password, and click the payment control to send an order payment request to the payment service system.

[0029] In step S204 above, the payment service system verifies the identity consistency of the order payer and the order creator based on the order payment request from the order payer. Identity consistency verification can be understood as determining whether the order payer and the order creator are the same user.

[0030] In one embodiment, based on the order payment request from the order payer, identity consistency verification is performed between the order payer and the order creator, specifically as follows:

[0031] (a1) Based on the order payment request, obtain the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator;

[0032] (a2) Verify the identity consistency of the order payer and the order creator based on the environmental information of the terminal device of the order payer and the terminal device of the order creator.

[0033] In the above action (a1), firstly, based on the order payment request, the environmental information of the order payer's terminal device and the environmental information of the order creator's terminal device are obtained. In one embodiment, the environmental information of the order payer's terminal device includes at least one of the following: location information, network address information, network type information, and device model information. The environmental information of the order creator's terminal device includes at least one of the following: location information, network address information, network type information, and device model information. Furthermore, the types of information included in the environmental information of the order payer's terminal device are the same as the types of information included in the environmental information of the order creator's terminal device.

[0034] The location information can be obtained from location-based services (LBS). Network address information can be IP (Internet Protocol) address information or MAC (Media Access Control) address information, etc. Network type information can be 4G, 5G, or Wi-Fi, etc. Device model information can be the device's brand, model, or product name, etc. The types of information included in the environmental information of the order payer's terminal device are the same as those included in the environmental information of the order creator's terminal device. For example, if the environmental information of the order payer's terminal device includes the aforementioned location information and network address information, then the environmental information of the order creator's terminal device will also include the aforementioned location information and network address information.

[0035] In one embodiment, action (a1) obtains the environmental information of the terminal device of the order payer and the terminal device of the order creator based on the order payment request, specifically as follows:

[0036] (a11) Extract the environmental information of the order payer's terminal device from the order payment request; and,

[0037] (a12) Based on the order payment request, send an environment information acquisition request to the merchant system and receive the environment information of the order creator's terminal device returned by the merchant system based on the environment information acquisition request.

[0038] When the order payer sends an order payment request to the payment service system, the order payment request may carry the environmental information of the order payer's terminal device. Therefore, in action (a11), the payment service system can extract the environmental information of the order payer's terminal device from the order payment request.

[0039] The payment service system can send an environmental information retrieval request to the merchant system based on the order payment request. Since the merchant system communicates directly with the order creator, it can obtain and save the environmental information of the order creator's terminal device when the order is created. Therefore, based on the environmental information retrieval request sent by the payment service system, the merchant system can return the environmental information of the order creator's terminal device to the payment service system. The payment system then receives the environmental information of the order creator's terminal device returned by the merchant system based on the environmental information retrieval request.

[0040] In one embodiment, the payment service system sends an environmental information request to the merchant system through a specific interface, such as the WAP (Wireless Application Protocol) payment interface. Correspondingly, the merchant system returns the environmental information of the order creator's terminal device to the payment service system through a specific interface, such as the WAP payment interface.

[0041] In one embodiment, the above action (a2) verifies the identity consistency of the order payer and the order creator based on the environmental information of the order payer's terminal device and the environmental information of the order creator's terminal device, specifically as follows:

[0042] (a21) Determine whether the content of the environmental information of the terminal device of the order payer is the same as the content of the environmental information of the terminal device of the order creator;

[0043] (a22) If they are the same, the identity consistency verification is confirmed to be successful; otherwise, the identity consistency verification is confirmed to be unsuccessful.

[0044] After obtaining the environmental information of the order payer's terminal device and the order creator's terminal device, the payment service system can determine whether the content of the environmental information of the order payer's terminal device and the order creator's terminal device is the same, since the types of information included in the environmental information of the order payer's terminal device are the same. For example, if the environmental information of the order payer's terminal device includes the aforementioned location information, and the environmental information of the order creator's terminal device also includes the aforementioned location information, then the payment service system will determine whether the content of the aforementioned location information of the order payer is the same as the content of the aforementioned location information of the order creator.

[0045] If the payment service system determines that the environmental information of the order payer's terminal device is the same as that of the order creator's terminal device, then the system determines that the order payer's terminal device and the order creator's terminal device are the same device, thus determining that the order payer and the order creator are the same user, and the identity consistency verification of the order payer and the order creator passes. If the payment service system determines that the environmental information of the order payer's terminal device is different from that of the order creator's terminal device, then the system determines that the order payer's terminal device and the order creator's terminal device are not the same device, thus determining that the order payer and the order creator are not the same user, and the identity consistency verification of the order payer and the order creator fails.

[0046] When both the order payer's and order creator's terminal device environmental information include two or more types of information, the payment service system determines that the identity consistency verification of the order payer and order creator is successful if the content of each type of environmental information is identical. For example, if the order payer's terminal device environmental information includes the aforementioned location information and network address information, and the order creator's terminal device environmental information also includes the aforementioned location information and network address information, the payment service system will determine whether the content of the order payer's location information is the same as that of the order creator, and whether the content of the order payer's network address information is the same as that of the order creator. If both determinations are the same, the identity consistency verification of the order payer and order creator is successful. If both determinations are different, or only one determination is the same, the identity consistency verification of the order payer and order creator is unsuccessful.

[0047] When both the environmental information of the order payer's terminal device and the order creator's terminal device include location information, considering the positioning accuracy of the terminal devices, the payment service system can set a corresponding error range for the location information. If the difference between the location information of the order payer's terminal device and the location information of the order creator's terminal device is within the corresponding error range, it is determined that the location information of the order payer's terminal device and the location information of the order creator's terminal device are the same. For example, if the location information includes latitude and longitude, and the difference between the latitude and longitude information of the order payer's terminal device and the latitude and longitude information of the order creator's terminal device is within the allowable latitude and longitude error range, the payment service system also determines that the location information of the order payer's terminal device and the location information of the order creator's terminal device are the same.

[0048] As can be seen, in this embodiment, by comparing whether the environmental information of the order payer's terminal device and the environmental information of the order creator's terminal device are the same, it is possible to accurately determine whether the order payer and the order creator are the same user, thereby accurately identifying the scenario where the same person places an order and makes a payment.

[0049] Once the identity verification of the order payer and the order creator is successful, it indicates that the order payer and the order creator are the same user. The current scenario is that the same person places an order and makes a payment. Therefore, as shown in step S206, the payment service system performs the subsequent payment processing based on the order payer's order payment request and informs the merchant system of the payment result.

[0050] If the identity verification between the order payer and the order creator fails, it indicates that the order payer and the order creator are not the same user. The current scenario is one where different people place and pay for the order, i.e., a payment on behalf scenario. To improve the security of payments in payment on behalf scenarios, the payment service system also verifies the trusted relationship between the order payer and the order creator, as shown in step S208.

[0051] In one embodiment, verifying the trusted relationship between the order payer and the order creator specifically includes:

[0052] (b1) Send the first verification information to the order payer and send the verification instruction information to the order creator;

[0053] (b2) Obtain the second verification information fed back by the order creator based on the verification instruction information;

[0054] (b3) Verify the trusted relationship between the order payer and the order creator based on the first verification information and the second verification information.

[0055] In one embodiment, the payment service system can generate a random verification code. Accordingly, sending the first verification information to the order payer can be achieved by the payment service system sending the generated random verification code to the order payer via an SMS channel. After generating the random verification code, the payment service system sends it to the order payer's terminal device via an SMS channel, wherein the payment service system may have the communication number of the order payer's terminal device in advance.

[0056] In one embodiment, the verification instruction information may include a verification information entry page. Accordingly, the payment service system sends the verification instruction information to the order creator by sending the page address of the verification information entry page to the merchant system, so that the merchant system sends the verification information entry page to the order creator based on the page address. To improve the efficiency of sending the page address, the payment service system can send the page address of the verification information entry page as a parameter to the merchant system via a POST request, thereby enabling the merchant system to send the verification information entry page to the order creator based on the page address. The merchant system sending the verification information entry page to the order creator based on this page address can also involve the merchant system automatically controlling the order creator's terminal device to redirect to the verification information entry page based on the page address.

[0057] The payment service system also obtains second verification information fed back by the order creator based on the verification instruction information. For example, the payment service system obtains the second verification information entered by the order creator on the verification information entry page. In one embodiment, the order creator can enter the second verification information on the verification information entry page, thereby allowing the merchant system to obtain this second verification information. The merchant system can send the second verification information to the payment service system through a specified interface, such as a WAP payment interface, thereby allowing the payment service system to receive the second verification information through a specified interface, such as a WAP payment interface.

[0058] In one embodiment, the payment service system verifies the trust relationship between the order payer and the order creator based on the first verification information and the second verification information, specifically including:

[0059] (b31) Determine whether the first verification information and the second verification information are consistent;

[0060] (b32) If the first verification information and the second verification information are consistent, the trusted relationship verification is determined to be successful; otherwise, the trusted relationship verification is determined to be unsuccessful.

[0061] In one embodiment, after obtaining the second verification information entered by the order creator on the verification information entry page, the payment service system determines whether the first verification information and the second verification information are consistent. For example, if the first verification information is an SMS verification code, the payment service system determines whether the SMS verification code sent to the order payer is consistent with the verification code entered by the order creator on the verification information entry page.

[0062] If they match, it means that the order payer has transmitted the first verification information received to the order creator, indicating that the order payer and the order creator are acquaintances, that is, they have a trustworthy relationship, thus confirming that the trustworthy relationship verification between the order payer and the order creator has passed.

[0063] If there is a discrepancy, it means that the order creator did not know the first verification information received by the order payer, indicating that the order payer and the order creator are not acquaintances, that is, they are not trusted, thus the verification of the trusted relationship between the order payer and the order creator fails.

[0064] As can be seen, in this embodiment, in scenarios where different people place and pay for an order, the trust relationship between the order payer and the order creator can be verified by filling in verification information, thereby ensuring the payment security of the payer.

[0065] In one embodiment, if the order creator fails to provide second verification information within a certain period of time, the payment service system also determines that the verification of the trust relationship between the order payer and the order creator has failed.

[0066] In one embodiment, the payment service system sends a verification information entry page to the payer, instructing the payer to fill in relevant information about the payment creator on the page, such as the payment creator's real name, ID number, etc. The payment service system determines whether the information filled in by the payer is correct. If it is correct, the system determines that the trust relationship between the order payer and the order creator has been verified. If it is incorrect, the system determines that the trust relationship between the order payer and the order creator has failed to be verified.

[0067] After verifying the trusted relationship between the order payer and the order creator, if the trusted relationship verification fails, the payment service system can also send a payment failure notification message to the order payer and the order creator.

[0068] Figure 3 This is a flowchart illustrating a payment verification method provided in another embodiment of this specification. The payment verification method in this embodiment can be... Figure 1 The payment service system shown in the figure executes, as follows: Figure 3 As shown, the process includes the following steps:

[0069] Step S302: Obtain the order payment request from the order payer;

[0070] Step S304: Based on the order payment request, verify the identity consistency between the order payer and the order creator.

[0071] If the identity verification passes, proceed to step S306; otherwise, proceed to step S308.

[0072] Step S306: Perform payment processing based on the order payment request.

[0073] Step S308: Verify the trusted relationship between the order payer and the order creator.

[0074] If the trusted relationship verification passes, proceed to step S310; otherwise, proceed to step S312.

[0075] Step S310: Perform payment processing based on the order payment request.

[0076] Step S312: Send a payment failure notification message to the order payer and the order creator.

[0077] In step S312, the payment service system can send a payment failure notification message to the order payer and to the merchant system, which in turn sends the payment failure notification message to the order creator.

[0078] In practical applications, a payment service system may include a payment acquiring system and a payment security decision center. The aforementioned payment verification methods can be executed collaboratively by the payment acquiring system and the payment security decision center. Accordingly, Figure 4 A flowchart illustrating another embodiment of the payment verification method provided in this specification is shown below. Figure 4 As shown, this process involves five terminals: the order creator's terminal device, the order payer's terminal device, the merchant system, the payment acquiring system, and the payment security decision center. The process includes the following steps:

[0079] In step S402, the terminal device of the order creator sends the order creation operation data to the merchant system.

[0080] In this step, the order creator can access the merchant system's mobile webpage in a browser, select products, and place an order. The order creator's terminal device then sends the order data to the merchant system. This order data includes information such as the order time and the product name.

[0081] Step S404: The merchant system generates a payment QR code.

[0082] In this step, the merchant system generates a payment QR code based on the order creation data of the order creator and displays the QR code in the browser webpage.

[0083] In step S406, the terminal device of the order payer sends an order payment request to the payment acquiring system.

[0084] In this step, the order payer's terminal device can scan the aforementioned payment QR code, thereby sending an order payment request to the payment acquiring system based on the payment QR code. The order payment request carries the environmental information of the order payer's terminal device.

[0085] In step S408, the merchant system sends the environmental information of the terminal device of the order creator to the payment acquiring system.

[0086] The merchant system can send the environmental information of the order creator's terminal device to the payment acquiring system through the WAP payment interface.

[0087] In step S410, the payment acquiring system sends the environmental information of the terminal device of the order payer and the terminal device of the order creator to the payment security decision center.

[0088] In step S412, the payment security decision center verifies the identity consistency between the order payer and the order creator.

[0089] If the identity verification passes, proceed to step S414; otherwise, proceed to step S416.

[0090] Step S414: The payment acquiring system executes the payment operation.

[0091] After executing a payment transaction, the payment acquiring system can also send the payment result to the merchant's system and the order payer. The payment result includes whether the payment was successful or failed.

[0092] Step S416: The payment acquiring system sends the page address of the verification information filling page to the merchant system.

[0093] This address was generated by the payment acquiring system.

[0094] In step S418, the payment acquiring system sends an SMS verification code to the terminal device of the order payer.

[0095] The SMS verification code was generated by the payment acquiring system.

[0096] In step S420, the merchant system sends a verification information filling page to the order creator.

[0097] In step S422, the merchant system receives the verification information returned by the order creator.

[0098] In step S424, the merchant system sends the verification information to the payment acquiring system.

[0099] The merchant system can send verification information to the payment acquiring system through the WAP payment interface.

[0100] In step S426, the payment acquiring system sends the verification information and SMS verification code to the payment security decision center.

[0101] In step S428, the payment security decision center verifies the trusted relationship between the order payer and the order creator.

[0102] The payment security decision center compares the verification information and the SMS verification code to see if they match. If they match, the trusted relationship verification is deemed successful; otherwise, the trusted relationship verification is deemed unsuccessful. If the trusted relationship verification is successful, proceed to step S430; otherwise, proceed to step S432.

[0103] Step S430: The payment acquiring system executes the payment operation.

[0104] After executing a payment transaction, the payment acquiring system can also send the payment result to the merchant's system and the order payer. The payment result includes whether the payment was successful or failed.

[0105] In step S432, the payment acquiring system sends a payment failure notification message to the merchant system.

[0106] Figure 4 In the process shown, after step S432, the payment acquiring system can also send a payment failure notification message to the order payer.

[0107] Figure 4 In the process shown, if the identity verification passes, it means that the order payer and the order creator are the same user. If the identity verification fails, it means that the order payer and the order creator are different users. Figure 4 For ease of explanation, the terminal devices of the order payer and the order creator are shown separately in the illustration.

[0108] In summary, the payment verification method in the above embodiments has at least the following technical effects:

[0109] (1) By verifying identity consistency and trusted relationship, risk identification is carried out when the order payer makes payment, thereby reducing risks such as fraud and gambling, ensuring the safety of the order payer's funds, and improving the security of the order payer's account;

[0110] (2) When the identity consistency verification fails, the trusted relationship verification method is used to determine whether the order payer and the order creator have a trusted relationship, thereby performing security verification on the payment scenario and realizing security verification in the payment scenario.

[0111] (3) When identity consistency verification fails, the trusted relationship verification method is used to determine whether the order payer and the order creator have a trusted relationship, instead of directly refusing payment, which improves the payment success rate in the payment on behalf scenario;

[0112] (4) There are no restrictions on the application scenarios. It can be applied to mobile web payment scenarios or in-application payment scenarios, thereby improving payment security in various scenarios.

[0113] This specification also provides a payment verification device in one embodiment. Figure 5This is a schematic diagram of the structure of a payment verification device provided in one embodiment of this specification, as shown below. Figure 5 As shown, the device includes:

[0114] The request module 51 retrieves the order payment request from the order payer;

[0115] The first verification module 52 verifies the identity consistency of the order payer and the order creator based on the order payment request.

[0116] If the identity consistency verification is successful, the first payment module 53 will perform payment processing based on the order payment request.

[0117] If the identity consistency verification fails, the second verification module 54 performs a trusted relationship verification between the order payer and the order creator.

[0118] If the trusted relationship verification is successful, the second payment module 55 will perform payment processing based on the order payment request.

[0119] Optionally, the second verification module 54 sends first verification information to the order payer and verification instruction information to the order creator; obtains second verification information fed back by the order creator based on the verification instruction information; and verifies the trust relationship between the order payer and the order creator based on the first verification information and the second verification information.

[0120] Optionally, the second verification module 54 sends a random verification code to the order payer via SMS.

[0121] Optionally, the second verification module 54 sends the page address of the verification information filling page to the merchant system, so that the merchant system sends the verification information filling page to the order creator based on the page address.

[0122] Optionally, the second verification module 54 determines whether the first verification information and the second verification information are consistent; if the first verification information and the second verification information are consistent, it is determined that the trusted relationship verification is successful; otherwise, it is determined that the trusted relationship verification is unsuccessful.

[0123] Optionally, the first verification module 52 obtains the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator according to the order payment request; and performs identity consistency verification on the order payer and the order creator based on the environmental information of the terminal device of the order payer and the terminal device of the order creator.

[0124] Optionally, the first verification module 52 extracts the environmental information of the terminal device of the order payer from the order payment request; and, based on the order payment request, sends an environmental information acquisition request to the merchant system, and receives the environmental information of the terminal device of the order creator returned by the merchant system according to the environmental information acquisition request.

[0125] Optionally, the first verification module 52 determines whether the content of the environmental information of the terminal device of the order payer is the same as the content of the environmental information of the terminal device of the order creator; if they are the same, the identity consistency verification is determined to be successful; otherwise, the identity consistency verification is determined to be unsuccessful.

[0126] Optionally, the environmental information of the order payer's terminal device includes at least one of the following: location information, network address information, network type information, and device model information; the environmental information of the order creator's terminal device includes at least one of the following: location information, network address information, network type information, and device model information; and the types of information included in the environmental information of the order payer's terminal device are the same as the types of information included in the environmental information of the order creator's terminal device.

[0127] Figure 6 This is a schematic diagram of the structure of a payment verification device provided in another embodiment of this specification. Optionally, as shown... Figure 6 As shown, the device is in Figure 5 In addition to the above, it also includes: a message sending module 56, which, after verifying the trusted relationship between the order payer and the order creator, sends a payment failure notification message to the order payer and the order creator if the trusted relationship verification fails.

[0128] As can be seen, in this embodiment, identity consistency verification can be performed on the order payer and the order creator in the order payment scenario. If the identity consistency verification passes, payment processing is executed based on the order payer's order payment request. If the identity consistency verification fails, the trust relationship verification between the order payer and the order creator is performed. If the trust relationship verification passes, payment processing is executed based on the order payer's order payment request. This allows for risk identification during the order payer's payment process, ensuring the safety of the order payer's funds and improving the security of the order payer's account.

[0129] The payment verification device in the embodiments of this specification can realize each process of the payment verification method in the foregoing embodiments and achieve the same effect and function, which will not be repeated here.

[0130] Another embodiment of this specification also provides a payment verification device. Figure 7 This is a schematic diagram of the structure of a payment verification device provided in one embodiment of this specification, as shown below. Figure 7 As shown, payment verification devices can vary significantly due to differences in configuration or performance. They may include one or more processors 901 and memory 902, with memory 902 storing one or more application programs or data. Memory 902 can be temporary or persistent storage. The application programs stored in memory 902 may include one or more modules (not shown), each module including a series of computer-executable instructions for the payment verification device. Furthermore, processor 901 may be configured to communicate with memory 902, executing the series of computer-executable instructions stored in memory 902 on the payment verification device. The payment verification device may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input / output interfaces 905, one or more keyboards 906, etc.

[0131] In one specific embodiment, the payment verification device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the payment verification device, and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0132] Obtain the order payment request from the order payer;

[0133] Based on the order payment request, verify the identity consistency of the order payer and the order creator;

[0134] If the identity verification passes, payment processing is performed based on the order payment request;

[0135] If the identity consistency verification fails, a trusted relationship verification is performed on the order payer and the order creator.

[0136] If the trusted relationship verification passes, payment processing is performed based on the order payment request.

[0137] Optionally, when the computer-executable instructions are executed, they perform trusted relationship verification between the order payer and the order creator, including: sending first verification information to the order payer and sending verification instruction information to the order creator; obtaining second verification information fed back by the order creator based on the verification instruction information; and performing trusted relationship verification between the order payer and the order creator based on the first verification information and the second verification information.

[0138] Optionally, when the computer-executable instruction is executed, it sends first verification information to the order payer, including sending a random verification code to the order payer via an SMS channel.

[0139] Optionally, when the computer-executable instructions are executed, the verification instruction information includes a verification information filling page; sending the verification instruction information to the order creator includes: sending the page address of the verification information filling page to the merchant system, so that the merchant system sends the verification information filling page to the order creator according to the page address.

[0140] Optionally, when the computer-executable instruction is executed, it verifies the trusted relationship between the order payer and the order creator based on the first verification information and the second verification information, including: determining whether the first verification information and the second verification information are consistent; if the first verification information and the second verification information are consistent, then the trusted relationship verification is determined to be successful; otherwise, the trusted relationship verification is determined to be unsuccessful.

[0141] Optionally, when the computer-executable instructions are executed, they perform identity consistency verification on the order payer and the order creator based on the order payment request, including: obtaining environmental information of the order payer's terminal device and the order creator's terminal device based on the order payment request; and performing identity consistency verification on the order payer and the order creator based on the environmental information of the order payer's terminal device and the order creator's terminal device.

[0142] Optionally, when the computer-executable instructions are executed, they acquire environmental information of the terminal device of the order payer and the terminal device of the order creator according to the order payment request, including: extracting the environmental information of the terminal device of the order payer from the order payment request; and sending an environmental information acquisition request to the merchant system based on the order payment request, and receiving the environmental information of the terminal device of the order creator returned by the merchant system according to the environmental information acquisition request.

[0143] Optionally, when the computer-executable instructions are executed, they perform identity consistency verification on the order payer and the order creator based on the environmental information of the order payer's terminal device and the order creator's terminal device, including: determining whether the content of the environmental information of the order payer's terminal device and the content of the environmental information of the order creator's terminal device are the same; if they are the same, the identity consistency verification is determined to be successful; otherwise, the identity consistency verification is determined to be unsuccessful.

[0144] Optionally, when the computer-executable instructions are executed, the environmental information of the order payer's terminal device includes at least one of the following: location information, network address information, network type information, and device model information; the environmental information of the order creator's terminal device includes at least one of the following: location information, network address information, network type information, and device model information; and the types of information included in the environmental information of the order payer's terminal device are the same as the types of information included in the environmental information of the order creator's terminal device.

[0145] Optionally, when the computer-executable instructions are executed, after verifying the trusted relationship between the order payer and the order creator, they may further: if the trusted relationship verification fails, send a payment failure notification message to the order payer and the order creator.

[0146] As can be seen, in this embodiment, identity consistency verification can be performed on the order payer and the order creator in the order payment scenario. If the identity consistency verification passes, payment processing is executed based on the order payer's order payment request. If the identity consistency verification fails, the trust relationship verification between the order payer and the order creator is performed. If the trust relationship verification passes, payment processing is executed based on the order payer's order payment request. This allows for risk identification during the order payer's payment process, ensuring the safety of the order payer's funds and improving the security of the order payer's account.

[0147] The payment verification device in the embodiments of this specification can implement each process of the payment verification method in the foregoing embodiments and achieve the same effect and function, which will not be repeated here.

[0148] Furthermore, based on the above Figures 1 to 5 The method shown in this specification, in another embodiment, also provides a storage medium for storing computer-executable instructions. In one specific embodiment, the storage medium can be a USB flash drive, optical disc, hard disk, etc. When the computer-executable instructions stored in the storage medium are executed by a processor, they can achieve the following process:

[0149] Obtain the order payment request from the order payer;

[0150] Based on the order payment request, verify the identity consistency of the order payer and the order creator;

[0151] If the identity verification passes, payment processing is performed based on the order payment request;

[0152] If the identity consistency verification fails, a trusted relationship verification is performed on the order payer and the order creator.

[0153] If the trusted relationship verification passes, payment processing is performed based on the order payment request.

[0154] Optionally, when the computer-executable instructions stored in the storage medium are executed by a processor, they perform trusted relationship verification between the order payer and the order creator, including: sending first verification information to the order payer and sending verification indication information to the order creator; obtaining second verification information fed back by the order creator based on the verification indication information; and performing trusted relationship verification between the order payer and the order creator based on the first verification information and the second verification information.

[0155] Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, they send first verification information to the order payer, including sending a random verification code to the order payer via an SMS channel.

[0156] Optionally, when the computer-executable instructions stored in the storage medium are executed by a processor, the verification instruction information includes a verification information filling page; sending the verification instruction information to the order creator includes: sending the page address of the verification information filling page to the merchant system, so that the merchant system sends the verification information filling page to the order creator according to the page address.

[0157] Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, the trusted relationship verification between the order payer and the order creator is performed based on the first verification information and the second verification information, including: determining whether the first verification information and the second verification information are consistent; if the first verification information and the second verification information are consistent, then the trusted relationship verification is determined to be successful; otherwise, the trusted relationship verification is determined to be unsuccessful.

[0158] Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, they perform identity consistency verification on the order payer and the order creator according to the order payment request, including: obtaining the environmental information of the order payer's terminal device and the environmental information of the order creator's terminal device according to the order payment request; and performing identity consistency verification on the order payer and the order creator based on the environmental information of the order payer's terminal device and the environmental information of the order creator's terminal device.

[0159] Optionally, when the computer-executable instructions stored in the storage medium are executed by a processor, they acquire environmental information of the terminal device of the order payer and the terminal device of the order creator according to the order payment request, including: extracting the environmental information of the terminal device of the order payer from the order payment request; and sending an environmental information acquisition request to the merchant system based on the order payment request, and receiving the environmental information of the terminal device of the order creator returned by the merchant system according to the environmental information acquisition request.

[0160] Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, they perform identity consistency verification on the order payer and the order creator based on the environmental information of the order payer's terminal device and the order creator's terminal device. This includes: determining whether the content of the environmental information of the order payer's terminal device is the same as the content of the environmental information of the order creator's terminal device; if they are the same, the identity consistency verification is determined to be successful; otherwise, the identity consistency verification is determined to be unsuccessful.

[0161] Optionally, when the computer-executable instructions stored in the storage medium are executed by a processor, the environmental information of the order payer's terminal device includes at least one of the following: location information, network address information, network type information, and device model information of the order payer's terminal device; the environmental information of the order creator's terminal device includes at least one of the following: location information, network address information, network type information, and device model information of the order creator's terminal device; and the types of information included in the environmental information of the order payer's terminal device are the same as the types of information included in the environmental information of the order creator's terminal device.

[0162] Optionally, when the computer-executable instructions stored in the storage medium are executed by the processor, after verifying the trusted relationship between the order payer and the order creator, the processor may further: if the trusted relationship verification fails, send a payment failure notification message to the order payer and the order creator.

[0163] As can be seen, in this embodiment, identity consistency verification can be performed on the order payer and the order creator in the order payment scenario. If the identity consistency verification passes, payment processing is executed based on the order payer's order payment request. If the identity consistency verification fails, the trust relationship verification between the order payer and the order creator is performed. If the trust relationship verification passes, payment processing is executed based on the order payer's order payment request. This allows for risk identification during the order payer's payment process, ensuring the safety of the order payer's funds and improving the security of the order payer's account.

[0164] The storage medium in the embodiments of this specification can implement each process of the payment verification method in the foregoing embodiments and achieve the same effect and function, which will not be described again here.

[0165] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0166] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using a hardware physical module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0167] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0168] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0169] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing one or more embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0170] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification can take the form of entirely hardware embodiments, entirely software embodiments, or embodiments combining software and hardware aspects. Furthermore, the embodiments of this specification can take the form of computer program products implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0171] The embodiments described herein are illustrated with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0172] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0173] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0174] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0175] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0176] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0177] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0178] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification can take the form of entirely hardware embodiments, entirely software embodiments, or embodiments combining software and hardware aspects. Furthermore, the embodiments of this specification can take the form of computer program products implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0179] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In a distributed computing environment, program modules can reside in local and remote computer storage media, including storage devices.

[0180] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0181] The above description is merely an embodiment of this specification and is not intended to limit this document. Various modifications and variations can be made to the embodiments described in this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A payment verification method, comprising: Based on the order payment request from the order payer, obtain the environmental information of the terminal device of the order creator from the merchant system; Based on the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator included in the order payment request, the identity consistency verification of the order payer and the order creator is performed; If the identity verification passes, payment processing is performed based on the order payment request; If the identity consistency verification fails, the trust relationship between the order payer and the order creator is verified by filling in verification information. If the trusted relationship verification passes, payment processing is performed based on the order payment request.

2. The method according to claim 1, wherein verifying the trust relationship between the order payer and the order creator by filling in verification information includes: Send first verification information to the order payer, and send the page address of the verification information filling page to the merchant system, so that the merchant system sends the verification information filling page to the order creator based on the page address; Obtain the second verification information returned by the order creator based on the verification information filled in on the page; Based on the first verification information and the second verification information, the trust relationship between the order payer and the order creator is verified.

3. The method according to claim 2, sending first verification information to the order payer, comprising: A random verification code is sent to the order payer via SMS.

4. The method according to claim 2, wherein verifying the trust relationship between the order payer and the order creator based on the first verification information and the second verification information includes: Determine whether the first verification information and the second verification information are consistent; If the first verification information and the second verification information are consistent, then the trusted relationship verification is determined to be successful; otherwise, the trusted relationship verification is determined to be unsuccessful.

5. The method according to claim 1, wherein obtaining the environmental information of the terminal device of the order creator from the merchant system based on the order payment request of the order payer includes: Based on the order payment request from the order payer, an environment information acquisition request is sent to the merchant system, and the environment information of the order creator's terminal device is returned by the merchant system according to the environment information acquisition request.

6. The method according to claim 1, wherein the step of verifying the identity consistency of the order payer and the order creator based on the environmental information of the order payer's terminal device and the order creator's terminal device included in the order payment request includes: Determine whether the content of the environmental information of the terminal device of the order payer is the same as the content of the environmental information of the terminal device of the order creator; If they are the same, the identity consistency verification is determined to be successful; otherwise, the identity consistency verification is determined to be unsuccessful.

7. The method according to claim 1, The environmental information of the order payment party's terminal device includes at least one of the following: the location information, network address information, network type information, and device model information of the order payment party's terminal device. The environmental information of the order creator's terminal device includes at least one of the following: the location information, network address information, network type information, and device model information of the order creator's terminal device. Furthermore, the types of information included in the environmental information of the terminal device of the order payer are the same as the types of information included in the environmental information of the terminal device of the order creator.

8. The method according to claim 1, further comprising, after verifying the trusted relationship between the order payer and the order creator: If the trusted relationship verification fails, a payment failure notification message is sent to both the order payer and the order creator.

9. A payment verification device, applied to a payment service system, comprising: The first verification module obtains the environmental information of the terminal device of the order creator from the merchant system based on the order payment request from the order payer. Based on the environmental information of the terminal device of the order payer and the environmental information of the terminal device of the order creator included in the order payment request, the identity consistency verification of the order payer and the order creator is performed; If the identity verification passes, the first payment module will perform payment processing based on the order payment request. The second verification module verifies the trust relationship between the order payer and the order creator by filling in verification information if the identity consistency verification fails. If the trusted relationship verification is successful, the second payment module will perform payment processing based on the order payment request.

10. The apparatus according to claim 9, further comprising: After verifying the trust relationship between the order payer and the order creator, the message sending module sends a payment failure notification message to both the order payer and the order creator if the trust relationship verification fails.

11. A payment verification device comprising: processor; and memory arranged to store computer-executable instructions, which, when executed, cause the processor to: Based on the order payment request from the order payer, obtain the environmental information of the terminal device of the order creator from the merchant system; based on the environmental information of the terminal device of the order payer and the terminal device of the order creator included in the order payment request, verify the identity consistency of the order payer and the order creator; If the identity verification passes, payment processing is performed based on the order payment request; If the identity consistency verification fails, the trust relationship between the order payer and the order creator is verified by filling in verification information. If the trusted relationship verification passes, payment processing is performed based on the order payment request.

12. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: Based on the order payment request from the order payer, obtain the environmental information of the terminal device of the order creator from the merchant system; based on the environmental information of the terminal device of the order payer and the terminal device of the order creator included in the order payment request, verify the identity consistency of the order payer and the order creator; If the identity verification passes, payment processing is performed based on the order payment request; If the identity consistency verification fails, the trust relationship between the order payer and the order creator is verified by filling in verification information. If the trusted relationship verification passes, payment processing is performed based on the order payment request.

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