Cross-WeChat official account payment method, system, device and medium

Abstract

The invention provides a cross-WeChat official account payment method, system, device and medium, and relates to the technical field of cross-platform payment, and the method comprises the steps: obtaining a payment request of a user in a first WeChat official account, the payment request comprising a second WeChat official account identifier; sending the payment request to a pre-established unified payment platform; payment result data fed back by the second WeChat official account is received, and the payment result data is generated after payment of the second WeChat official account is completed after a payment request is initiated to the second WeChat official account through the unified payment platform; and if the payment result data indicates successful payment, synchronizing the payment result data to the first WeChat official account through a payment voucher synchronization mechanism. According to the method, the unified payment platform is established, the payment result data of the second WeChat official account is synchronized to the first WeChat official account, the effect that a user completes payment among different WeChat official accounts is achieved, the process of cross-WeChat official account payment is simplified, and the payment experience of the user is improved.

Description

Technical Field

[0001] The present invention relates to the field of cross-platform payment technology, and in particular to a method, system, device and medium for cross-WeChat public account payment. Background Art

[0002] In the context of the rapid development of mobile Internet, WeChat public accounts have become an important tool for enterprises and individuals to achieve information dissemination, marketing promotion and business operations. As an application based on the WeChat ecosystem, WeChat public accounts support multiple functional modules, such as picture and text push, user interaction, online payment, etc. Among them, the payment function of WeChat public accounts relies on the WeChat payment system, providing users with a convenient online transaction method. The payment function of WeChat public accounts in the prior art is completed within a single public account, that is, the entire process of product display, order management and payment operations relies on the same WeChat public account. This model has a high degree of closure and is suitable for the business scenario of a single entity. However, with the popularization of mobile payment and the increase in cross-platform business needs, enterprises or individuals often have multiple WeChat public accounts, and these public accounts may correspond to different business lines, customer groups or regional markets. For example, a company may have a public account for product sales and another public account for customer service. If you want customers to browse information in one public account and complete payment in another public account, the existing technology cannot achieve this.

[0003] Therefore, in the cross-WeChat official account payment scenario, each WeChat official account has an independent payment authorization mechanism. Users need to switch official accounts and re-authorize payment when making payments. The payment process is cumbersome and complicated, and the user experience is poor. Summary of the invention

[0004] In order to overcome the above-mentioned deficiencies of the prior art, the present invention provides a method for cross-WeChat public account payment, comprising: Obtaining a payment request from the user on the first WeChat official account, where the payment request includes an identifier of the second WeChat official account; Send the payment request to the pre-established unified payment platform; Receiving payment result data fed back by the second WeChat official account, where the payment result data is generated after a payment request is initiated to the second WeChat official account through the unified payment platform and after the second WeChat official account completes the payment; If the payment result data indicates that the payment is successful, the payment result data is synchronized to the first WeChat public account through the payment voucher synchronization mechanism.

[0005] Optionally, establish a unified payment platform, including: Get the payment authorization mapping relationship of users in different WeChat public accounts; Use federated learning algorithms to establish a unified user identity mapping relationship across different WeChat public accounts; Determine the risk level of the payment request based on the user's historical payment behavior and historical authorization records; Establish a unified payment platform based on payment authorization mapping relationships, user identity mapping relationships and risk levels of payment requests.

[0006] Optionally, after sending the payment request to the pre-established unified payment platform, the method further includes: Send the first WeChat public account ID to the unified payment platform; Obtaining a current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account, where the current payment authorization mapping relationship is established based on the first WeChat public account identifier and the second WeChat public account identifier; The current payment authorization mapping relationship is sent to the payment gateway so that the payment gateway can perform payment routing between the first WeChat official account and the second WeChat official account.

[0007] Optionally, obtaining the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account includes: Obtaining the payment authorization status of the user in the first WeChat public account according to the first WeChat public account identifier; If the payment authorization status of the first WeChat official account is authorized, the authorized status information is transmitted to the second WeChat official account to obtain the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account; If the payment authorization status of the first WeChat public account is unauthorized, the first WeChat public account is authorized for payment, and the authorized status information is passed to the second WeChat public account. The authorized status information is automatically verified through the smart contract, and the status information is updated according to the result of the automatic verification to obtain the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account.

[0008] Optionally, after obtaining the payment authorization mapping relationship between the first WeChat official account and the second WeChat official account, the method further includes: Obtaining a risk level of the payment request according to the unified payment platform; If the risk level exceeds the preset risk threshold, the user will be subject to secondary identity verification based on the user identity mapping relationship; the secondary identity verification includes at least one of SMS verification code and face recognition; The payment authorization mapping relationship after the secondary identity authentication is passed is sent to the payment gateway.

[0009] Optionally, if the payment result data indicates successful payment, the payment result data is synchronized to the first WeChat public account through a payment voucher synchronization mechanism, including: Using distributed ledger technology, the payment result data is stored in an encrypted manner on multiple nodes, and the payment result data on multiple nodes is synchronized in real time through a consensus algorithm.

[0010] Optionally, after receiving the payment result data fed back by the second WeChat public account, the method further includes: If the payment result data is a payment failure, the reason for the payment failure is obtained, and a risk score corresponding to the second WeChat public account is generated based on the reason for the payment failure. The risk score is sent to the unified payment platform to generate payment reference information for the second WeChat public account.

[0011] Optionally, obtain the user's payment request on the first WeChat public account, including: The payment request carries encrypted user information; the encrypted information includes encrypted sensitive payment data of the user; Use homomorphic encryption technology to encrypt sensitive payment data.

[0012] Optionally, payment is completed on the second WeChat official account to generate payment result data, including: Determine the user's optimal payment channel based on the second WeChat public account through an intelligent routing algorithm; Complete payment through the optimal payment channel and generate payment result data.

[0013] Based on the same inventive concept, the present invention also provides a cross-WeChat public account payment system, which is characterized by comprising: A payment request acquisition module, used to acquire a payment request from a user on a first WeChat official account, wherein the payment request includes an identifier of a second WeChat official account; A payment request sending module, used for sending a payment request to a pre-established unified payment platform; A payment result data acquisition module, used to receive payment result data fed back by the second WeChat public account, where the payment result data is generated after a payment request is initiated to the second WeChat public account through the unified payment platform and after the second WeChat public account completes the payment; The payment result data synchronization module is used to synchronize the payment result data to the first WeChat public account through the payment voucher synchronization mechanism if the payment result data is a successful payment.

[0014] Optionally, the system further includes a unified payment platform establishment module, which is used to: Get the payment authorization mapping relationship of users in different WeChat public accounts; Use federated learning algorithms to establish a unified user identity mapping relationship across different WeChat public accounts; Determine the risk level of the payment request based on the user's historical payment behavior and historical authorization records; Establish a unified payment platform based on payment authorization mapping relationships, user identity mapping relationships and risk levels of payment requests.

[0015] Optionally, the system further includes a payment authorization mapping relationship establishment module, wherein: An identification sending submodule, used to send the first WeChat public account identification to the unified payment platform; An authorization mapping relationship obtaining submodule is used to obtain a current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account, where the current payment authorization mapping relationship is established based on the first WeChat public account identifier and the second WeChat public account identifier; The authorization mapping relationship sending submodule is used to send the current payment authorization mapping relationship to the payment gateway so that the payment gateway can perform payment routing between the first WeChat public account and the second WeChat public account.

[0016] Optionally, the authorization mapping relationship acquisition submodule is specifically used for: Obtaining the payment authorization status of the user in the first WeChat public account according to the first WeChat public account identifier; If the payment authorization status of the first WeChat official account is authorized, the authorized status information is transmitted to the second WeChat official account to obtain the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account; If the payment authorization status of the first WeChat public account is unauthorized, the first WeChat public account is authorized for payment, and the authorized status information is passed to the second WeChat public account. The authorized status information is automatically verified through the smart contract, and the status information is updated according to the result of the automatic verification to obtain the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account.

[0017] Optionally, the system further includes a secondary verification module, for: Obtain the risk level of the payment request based on the unified payment platform; If the risk level exceeds the preset risk threshold, the user will be subject to secondary identity verification based on the user identity mapping relationship; the secondary identity verification includes at least one of SMS verification code and face recognition; The payment authorization mapping relationship after the secondary identity authentication is passed is sent to the payment gateway.

[0018] Optionally, the payment data synchronization module is specifically used for: Using distributed ledger technology, the payment result data is stored in an encrypted manner on multiple nodes, and the payment result data on multiple nodes is synchronized in real time through a consensus algorithm.

[0019] Optionally, the system further includes a payment failure processing module, which is used to: If the payment result data is a payment failure, the reason for the payment failure is obtained, and a risk score corresponding to the second WeChat public account is generated based on the reason for the payment failure. The risk score is sent to the unified payment platform to generate payment reference information for the second WeChat public account.

[0020] Optionally, the payment request acquisition module is specifically used to: The payment request carries encrypted user information; the encrypted information includes encrypted sensitive payment data of the user; Use homomorphic encryption technology to encrypt sensitive payment data.

[0021] Optionally, the payment result data acquisition module is specifically used for: Determine the user's optimal payment channel based on the second WeChat public account through an intelligent routing algorithm; Complete payment through the optimal payment channel and generate payment result data.

[0022] Based on the same inventive concept, the present invention also provides an electronic device, comprising: at least one processor and a memory; the memory and the processor are connected via a bus; The memory is used to store one or more programs; When the one or more programs are executed by the at least one processor, a method for cross-WeChat public account payment as described above is implemented.

[0023] Based on the same inventive concept, the present invention also provides a readable storage medium on which an execution program is stored. When the execution program is executed, a method for cross-WeChat public account payment as described above is implemented.

[0024] Compared with the closest prior art, the present invention has the following beneficial effects: The present invention provides a method for cross-WeChat public account payment, including: obtaining a payment request of a user in a first WeChat public account, wherein the payment request includes a second WeChat public account identifier; sending the payment request to a pre-established unified payment platform; receiving payment result data fed back by the second WeChat public account, wherein the payment result data is generated after the payment request is initiated to the second WeChat public account through the unified payment platform and the second WeChat public account completes the payment; if the payment result data indicates a successful payment, synchronizing the payment result data to the first WeChat public account through a payment voucher synchronization mechanism. The present invention achieves the effect of a user completing payment between different WeChat public accounts by sending the payment request of the first WeChat public account to the second WeChat public account through an established unified payment platform, and then obtaining the payment result data of the second WeChat public account on the unified payment platform, and synchronizing the payment result data of the second WeChat public account to the first WeChat public account, thereby simplifying the process of cross-WeChat public account payment and improving the user's payment experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] Figure 1 A schematic diagram of a cross-WeChat public account payment method is provided for the present invention; Figure 2 A structural diagram of a cross-WeChat public account payment system provided by the present invention; Figure 3 A schematic diagram of an electronic device provided by the present invention. DETAILED DESCRIPTION

[0026] Embodiments of the present invention are described in detail below, examples of which are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present invention, and should not be construed as limiting the present invention.

[0027] Embodiment 1: The present invention provides a method for cross-WeChat public account payment, specifically, Figure 1 The flowchart of the cross-WeChat public account payment method provided by the embodiment of the present invention includes the following steps as shown in the figure: S1: Obtain a payment request from a user on a first WeChat official account, where the payment request includes an identifier of a second WeChat official account; S2: Send the payment request to the pre-established unified payment platform; S3: receiving payment result data fed back by the second WeChat official account, where the payment result data is generated after a payment request is initiated to the second WeChat official account through the unified payment platform and after the second WeChat official account completes the payment; S4: If the payment result data indicates that the payment is successful, the payment result data is synchronized to the first WeChat public account through the payment voucher synchronization mechanism.

[0028] The present invention establishes a unified payment platform to send a payment request initiated by a first WeChat public account to a second WeChat public account. After the second WeChat public account completes the payment, it obtains the payment result data of the second WeChat public account on the unified payment platform, and synchronizes the payment result data of the second WeChat public account to the first WeChat public account, thereby achieving the effect of users completing payment between different WeChat public accounts, simplifying the process of cross-WeChat public account payment, and improving the user's payment experience.

[0029] A payment request of a user on a first WeChat official account is obtained, wherein the payment request includes an identifier of a second WeChat official account, wherein the first WeChat official account is a WeChat official account that initiates a payment request, and the second WeChat official account is a WeChat official account that performs payment.

[0030] Parameters of the second WeChat public account identifier included in the payment request of the user to the first WeChat public account are parsed to determine the second WeChat public account for subsequent payment.

[0031] In this embodiment, in addition to the second WeChat public account identifier, the user's payment request for the first WeChat public account also carries user encrypted information, which includes encrypted user sensitive payment data, and the encrypted user sensitive payment data can be transmitted between different WeChat public accounts. Among them, user sensitive payment data includes the user's bank card number, validity period, security code, etc. In this embodiment, in order to enhance the security and privacy of cross-WeChat public account payments and prevent user sensitive payment data from being stolen or leaked during transmission and storage, user sensitive payment data is encrypted. The encryption processing method can be homomorphic encryption technology or blockchain encryption technology. It can be understood that those skilled in the art can also choose other encryption technologies to encrypt user sensitive payment data according to actual needs, and there is no limitation here.

[0032] In order to achieve the effect of completing payment across WeChat official accounts and avoid the problem of reducing user payment experience caused by repeated authorization, the embodiment of the present invention pre-establishes a unified payment platform that can make payments on different WeChat official accounts. The unified payment platform can be compatible with payment requests from multiple WeChat official accounts, realize payment integration across WeChat official accounts, and users can then achieve seamless payment docking between multiple official accounts. Similarly, merchants with multiple WeChat official accounts can perform seamless payment docking within the unified payment platform.

[0033] Specifically, the pre-established unified payment platform includes: obtaining the payment authorization mapping relationship of users in different WeChat official accounts; using a federated learning algorithm to establish a unified user identity mapping relationship in different WeChat official accounts; determining the risk level of payment requests based on the user's historical payment behavior and historical authorization records; and establishing a unified payment platform based on the payment authorization mapping relationship, user identity mapping relationship, and the risk level of payment requests.

[0034] The payment authorization mapping relationship of users in different WeChat public accounts includes the user ID, authorization time or payment authorization status of users in different WeChat public accounts. The payment authorization mapping relationship is established based on the IDs of different WeChat public accounts. For example, if the user has completed the payment authorization in WeChat public account A, the WeChat public account B that obtains the payment request can directly reuse the authorization information, and there is no need to repeatedly authorize WeChat public account B, which simplifies the payment operation. After determining the payment authorization mapping relationship, a federated learning algorithm can also be used to establish a unified user identity mapping relationship between different WeChat public accounts. Specifically, the user identity mapping relationship includes the user WeChat ID, user nickname, user identity authentication information, etc. At the same time, through the federated learning model, the risk level of the payment request is determined based on the user's historical payment behavior and historical authorization records. A unified payment platform is established based on the payment authorization mapping relationship, the user identity mapping relationship and the risk level of the payment request.

[0035] It is understandable that the unified payment platform can be established based on a machine learning model. Specifically, the historical data of payment authorization mapping relationships, user identity mapping relationships, and risk levels of payment requests of users in different WeChat public accounts are used for training to determine the unified payment platform. Furthermore, the newly generated payment authorization mapping relationships, user identity mapping relationships, and risk levels of payment requests can be used to further optimize the unified payment platform.

[0036] After sending the payment request sent by the first WeChat public account to a pre-established unified payment platform, the method also includes: sending the first WeChat public account identifier to the unified payment platform; obtaining the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account, wherein the current payment authorization mapping relationship is established based on the first WeChat public account identifier and the second WeChat public account identifier; sending the current payment authorization mapping relationship to the payment gateway for the payment gateway to perform payment routing between the first WeChat public account and the second WeChat public account.

[0037] Specifically, after sending the payment request to the unified payment platform, determine the second WeChat public account associated with the payment request, and then based on the first WeChat public account identifier and the second WeChat public account identifier, query and obtain the current payment authorization mapping relationship between the two associated WeChat public accounts; send the current payment authorization mapping relationship to the constructed unified payment gateway, and perform payment routing between the two WeChat public accounts based on the current payment authorization mapping relationship.

[0038] In some specific implementations, the payment gateway may be deployed separately or on a unified payment platform, which is not limited here.

[0039] In order to solve the problem of inconsistent payment interfaces and data formats of different WeChat official accounts, in this embodiment, by building a unified payment gateway rule, payment requests of different WeChat official accounts are uniformly routed based on the standardized API (Application Programming Interface) in the payment gateway.

[0040] After receiving the payment request on the unified payment platform, the current payment data is obtained from the payment request, and the current payment data is converted into a unified format through a standardized API interface, so as to achieve seamless connection of the current payment data in multiple WeChat public accounts and reduce the development and maintenance costs of merchants.

[0041] In an optional implementation, the current payment data converted into a unified format can be stored and verified in the form of a blockchain through smart contract technology, ensuring the consistency and non-tamperability of the current payment data among multiple WeChat public accounts.

[0042] Specifically, the current payment data is encrypted using a hash algorithm to obtain the encrypted current payment data ciphertext, which is used as the unique identifier of the current payment data. The encrypted current payment data ciphertext is used as the key and the original current payment data is used as the value to construct a key-value pair, which is written into the blockchain through a smart contract to achieve on-chain storage of payment data. When the payment data is stored on the blockchain, the current payment data in the blockchain is verified through a consensus algorithm. If the current payment data passes the verification, it is marked as confirmed, otherwise it is marked as abnormal. According to the encrypted ciphertext of the current payment data, the corresponding current payment data is queried from the blockchain to obtain detailed information of the payment data. The payment data is deduplicated through a smart contract to ensure that there is no duplicate payment data in the blockchain. Payment data query services can also be provided to merchants through a blockchain browser. Merchants query payment details based on the encrypted ciphertext of the current payment data, and use smart contracts to verify the consistency and immutability of the current payment data to ensure the rights and interests of merchants.

[0043] In an optional implementation, after sending the payment request to a pre-established unified payment platform, a current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account is established, including: obtaining the payment authorization status of the user in the first WeChat public account according to the first WeChat public account identifier; if the payment authorization status of the first WeChat public account is authorized, transmitting the authorized status information to the second WeChat public account, and obtaining the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account; If the payment authorization status of the first WeChat public account is unauthorized, the first WeChat public account is authorized for payment, and the authorized status information is passed to the second WeChat public account. The authorized status information is automatically verified through the smart contract, and the status information is updated according to the result of the automatic verification to obtain the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account.

[0044] Establish the current payment authorization mapping relationship between the two WeChat public accounts, that is, determine whether the first WeChat public account and the second WeChat public account can make cross-WeChat public account payments. Specifically, obtain the user's payment authorization status on the first WeChat public account. If the first WeChat public account has made payment authorization, the first WeChat public account is a trusted WeChat public account, and the payment authorization status information is passed to the second WeChat public account to establish the current payment authorization mapping relationship between the two WeChat public accounts; if the first WeChat public account has not authorized, the payment authorization process is carried out on the first WeChat public account, and then the authorized status information is passed to the second WeChat public account to establish the current payment authorization mapping relationship between the two WeChat public accounts.

[0045] That is, when the first WeChat official account is in an authorized state, there is no need to authorize payment for the second WeChat official account. The payment operation can be completed through the second WeChat official account based only on the current payment authorization mapping relationship between the two WeChat official accounts.

[0046] Since the present invention does not perform payment authorization authentication for the second WeChat public account, in some optional implementations, in order to further improve the security of cross-WeChat public account payment, after obtaining the payment authorization mapping relationship between the first WeChat public account and the second WeChat public account, the current payment request needs to be verified.

[0047] Specifically, the risk level of the current payment request is obtained according to the unified payment platform; if the risk level of the current payment request exceeds a preset risk threshold, a secondary identity authentication is performed on the user based on the user identity mapping relationship; the secondary identity authentication includes at least one of a text message verification code and face recognition; the current payment authorization mapping relationship after the secondary identity authentication is sent to the payment gateway.

[0048] For current payment requests with high risks, such as large transfers, inter-regional payments, etc., a multi-party security calculation mechanism can be introduced. Multiple parties jointly verify the legitimacy of the transaction, and current payment requests need to obtain authorization from multiple parties before they can be executed, further improving the security of payment.

[0049] After sending the payment request to the unified payment platform and obtaining the payment routes of the first WeChat public account and the second WeChat public account, the unified payment platform initiates a payment request to the second WeChat public account, completes the payment on the second WeChat public account, and generates payment result data.

[0050] Specifically, completing payment on the second WeChat official account and generating payment result data includes: determining the optimal payment channel for the user based on the second WeChat official account through an intelligent routing algorithm; completing payment through the optimal payment channel and generating payment result data.

[0051] To address the problem of inconsistency between the bank cards and payment channels bound by users in different WeChat official accounts, machine learning algorithms, such as intelligent routing algorithms, can be used to analyze and model users' payment preferences and habits, dynamically predict users' payment paths in the current payment scenarios, and select the appropriate optimal payment channel based on users' payment paths. This can optimize the payment process across WeChat official accounts, simplify the payment process, and improve users' payment experience and efficiency.

[0052] In a specific implementation, the payment history records and behavior data of users in different WeChat public accounts are obtained, and the feature vector of the user's payment preference habits is constructed through data preprocessing and feature engineering. A supervised learning algorithm, such as a decision tree, an intelligent routing algorithm, etc., is used to take the user's feature vector as input and the payment channel actually selected by the user as a label to perform prediction training on the payment path and obtain a payment path prediction model. And further combined with the relevant information of the current payment scenario, such as the payment amount, the type of goods, etc., and the characteristics of the user's payment preference habits, the payment path prediction model is input to obtain the payment channel that the user is most likely to choose in the current payment scenario. After the payment is completed, the user's actual payment channel, amount and other information are obtained, the user's payment history record is updated, and the updated payment history record is further used as new sample data to regularly train and optimize the payment path prediction model. Through continuous data accumulation and model iteration, the accuracy of payment channel prediction is continuously improved, providing users with a more intelligent and efficient payment experience across WeChat public accounts.

[0053] For example, the user's payment history and behavior data are obtained from different WeChat public accounts, and the user's payment preference characteristics are extracted as follows: the average payment amount is 500 yuan, the payment frequency is 3 times a month, the preferred payment method is WeChat payment, etc., and the user's payment preference feature vector is constructed. Then the decision tree algorithm is selected to train the user's payment preference feature vector and generate a payment path prediction model. When the user chooses a refrigerator worth 5,000 yuan, combined with the user's historical payment preference characteristics, the payment path prediction model concludes that the user's most likely choice for this payment is WeChat payment. WeChat payment is placed at the top of the payment page, and the remaining payment methods such as savings cards, credit cards, and change are arranged in order. At the same time, after the payment is completed, the payment result data of this time is used as the user's new payment record, and the system updates the user's payment record. For example, if the payment amount this time is 5,000 yuan and the payment method is WeChat payment, and it is used as a new training sample, the gradient boosting decision tree algorithm can be used to optimize the payment path prediction model to improve the prediction accuracy. By continuously iterating this process, the system can continuously accumulate user payment data, optimize path prediction effects, provide users with more personalized and intelligent cross-WeChat official account payment services, and enhance user payment experience.

[0054] When the payment result data of the second WeChat official account shows that the payment is successful, the payment result data can be synchronized to the first WeChat official account through the payment credential synchronization mechanism.

[0055] The methods for synchronizing payment result data include: using distributed ledger technology to store the payment result data in an encrypted manner on multiple nodes, and synchronizing the payment result data on multiple nodes in real time through a consensus algorithm.

[0056] In a specific implementation, distributed ledger technology is used to store the user's payment result data in a decentralized manner on multiple nodes, and the real-time synchronization and verification of the payment result data is achieved through a consensus mechanism to ensure the consistency and coherence of the payment result data between different WeChat public accounts. Furthermore, the zero-knowledge proof protocol can be used to generate encrypted proof of payment transactions, and the auditability of the payment process across WeChat public accounts can be achieved without leaking the user's payment privacy; at the same time, the transaction proof and the original transaction data are associated and stored to form a traceable transaction chain, enhancing the transaction and traceability. In this way, the security and credibility of cross-WeChat public account payments can be further enhanced.

[0057] If the payment result data is a payment failure, the reason for the payment failure is obtained, and a risk score corresponding to the second WeChat public account is generated based on the reason for the payment failure. The risk score is sent to the unified payment platform to generate payment reference information for the second WeChat public account.

[0058] In an optional implementation, after obtaining the reason for payment failure, payment can be made again based on the reason for payment failure. If payment still fails, it means that there is a problem with the payment request or the payment path across the official account, and a corresponding risk score is generated for subsequent reference.

[0059] The method for cross-WeChat public account payment provided by the present invention includes: obtaining a payment request of a user in a first WeChat public account, wherein the payment request includes a second WeChat public account identifier; sending the payment request to a pre-established unified payment platform; receiving payment result data fed back by the second WeChat public account, wherein the payment result data is generated after the payment request is initiated to the second WeChat public account through the unified payment platform and the second WeChat public account completes the payment; if the payment result data indicates a successful payment, synchronizing the payment result data to the first WeChat public account through a payment voucher synchronization mechanism. The present invention achieves the effect of users completing payment between different WeChat public accounts by sending the payment request of the first WeChat public account to the second WeChat public account through an established unified payment platform, and then obtaining the payment result data of the second WeChat public account on the unified payment platform, and synchronizing the payment result data of the second WeChat public account to the first WeChat public account, thereby simplifying the process of cross-WeChat public account payment and improving the user's payment experience.

[0060] Embodiment 2: Based on the same inventive concept, the present invention also provides a cross-WeChat public account payment system 200, the system structure is as follows: Figure 2 As shown, the system 200 includes: A payment request acquisition module 201 is used to acquire a payment request from a user on a first WeChat public account, wherein the payment request includes an identifier of a second WeChat public account; A payment request sending module 202, used to send a payment request to a pre-established unified payment platform; The payment result data acquisition module 203 is used to receive the payment result data fed back by the second WeChat public account, and the payment result data is generated after the payment request is initiated to the second WeChat public account through the unified payment platform and the payment is completed by the second WeChat public account; The payment result data synchronization module 204 is used to synchronize the payment result data to the first WeChat public account through the payment voucher synchronization mechanism if the payment result data indicates that the payment is successful.

[0061] Optionally, the system further includes a unified payment platform establishment module, which is used to: Get the payment authorization mapping relationship of users in different WeChat public accounts; Use federated learning algorithms to establish a unified user identity mapping relationship across different WeChat public accounts; Determine the risk level of the payment request based on the user's historical payment behavior and historical authorization records; Establish a unified payment platform based on payment authorization mapping relationships, user identity mapping relationships and risk levels of payment requests.

[0062] Optionally, the system further includes a payment authorization mapping relationship establishment module, wherein: An identification sending submodule, used to send the first WeChat public account identification to the unified payment platform; An authorization mapping relationship obtaining submodule is used to obtain a current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account, where the payment authorization mapping relationship is established based on the first WeChat public account identifier and the second WeChat public account identifier; The authorization mapping relationship sending submodule is used to send the current payment authorization mapping relationship to the payment gateway so that the payment gateway can perform payment routing between the first WeChat public account and the second WeChat public account.

[0063] Optionally, the authorization mapping relationship acquisition submodule is specifically used for: Obtaining the payment authorization status of the user in the first WeChat public account according to the first WeChat public account identifier; If the payment authorization status of the first WeChat official account is authorized, the authorized status information is transmitted to the second WeChat official account to obtain the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account; If the payment authorization status of the first WeChat public account is unauthorized, the first WeChat public account is authorized for payment, and the authorized status information is passed to the second WeChat public account. The authorized status information is automatically verified through the smart contract, and the status information is updated according to the result of the automatic verification to obtain the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account.

[0064] Optionally, the system further includes a secondary verification module, for: Obtain the risk level of the payment request based on the unified payment platform; If the risk level exceeds the preset risk threshold, the user will be subject to secondary identity verification based on the user identity mapping relationship; the secondary identity verification includes at least one of SMS verification code and face recognition; The payment authorization mapping relationship after the secondary identity authentication is passed is sent to the payment gateway.

[0065] Optionally, the payment data synchronization module is specifically used for: Using distributed ledger technology, the payment result data is stored in an encrypted manner on multiple nodes, and the payment result data on multiple nodes is synchronized in real time through a consensus algorithm.

[0066] Optionally, the system further includes a payment failure processing module, which is used to: If the payment result data is a payment failure, the reason for the payment failure is obtained, and a risk score corresponding to the second WeChat public account is generated based on the reason for the payment failure. The risk score is sent to the unified payment platform to generate payment reference information for the second WeChat public account.

[0067] Optionally, the payment request acquisition module is specifically used to: The payment request carries encrypted user information; the encrypted information includes encrypted sensitive payment data of the user; Use homomorphic encryption technology to encrypt sensitive payment data.

[0068] Optionally, the payment result data acquisition module is specifically used for: Determine the user's optimal payment channel based on the second WeChat public account through an intelligent routing algorithm; Complete payment through the optimal payment channel and generate payment result data.

[0069] Embodiment 3: Based on the same inventive concept, Figure 3 As shown, the present invention also provides an electronic device, which may be a computer device, a single-chip device, an intelligent mobile device, etc. The electronic device in this embodiment may include a processor, a memory, a transceiver component, etc. The memory, the processor, and the transceiver component are connected via a bus; the memory may be used to store an execution program, and an exemplary execution program may include instructions; the processor is used to execute the instructions stored in the memory. The memory may also be used to store data, which may be called and / or modified when the instructions are executed.

[0070] The processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components, etc. It is the computing core and control core of the terminal, which is suitable for implementing one or more instructions, specifically suitable for loading and executing one or more instructions in a readable storage medium to implement the corresponding method flow or corresponding functions, so as to implement the steps of a cross-WeChat public account payment method in the above embodiment.

[0071] Embodiment 4: Based on the same inventive concept, the present invention also provides a readable storage medium, specifically an electronic device readable storage medium (Memory), which is a memory device in an electronic device for storing programs and data. It can be understood that the readable storage medium here can include both built-in storage media in electronic devices and extended storage media supported by electronic devices. The storage medium provides a storage space, which stores the operating system of the terminal. In addition, one or more instructions suitable for being loaded and executed by a processor are also stored in the storage space, and these instructions can be one or more execution programs (including program codes). It should be noted that the storage medium here can be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as at least one disk memory. The processor can load and execute one or more instructions stored in the storage medium to implement the steps of a cross-WeChat public account payment method in the above embodiment.

[0072] It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product 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.

[0073] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0074] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0075] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0076] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention rather than to limit its protection scope. Although the present invention has been described in detail with reference to the above embodiments, ordinary technicians in the field should understand that after reading the present invention, those skilled in the art can still make various changes, modifications or equivalent substitutions to the specific implementation methods of the application, but these changes, modifications or equivalent substitutions are all within the protection scope of the claims to be approved.

Claims

1. A method for cross-WeChat public account payment, characterized in that: include: Obtaining a payment request from a user on a first WeChat public account, wherein the payment request includes an identifier of a second WeChat public account; Sending the payment request to a pre-established unified payment platform; receiving payment result data fed back by the second WeChat official account, wherein the payment result data is generated after the payment request is initiated by the unified payment platform to the second WeChat official account and after the second WeChat official account completes the payment; If the payment result data indicates that the payment is successful, the payment result data is synchronized to the first WeChat public account through a payment credential synchronization mechanism.

2. The method according to claim 1, characterized in that The establishment of a unified payment platform includes: Get the payment authorization mapping relationship of users in different WeChat public accounts; A federated learning algorithm is used to establish a unified user identity mapping relationship among the different WeChat public accounts; Determine the risk level of the payment request based on the user's historical payment behavior and historical authorization records; A unified payment platform is established according to the payment authorization mapping relationship, the user identity mapping relationship and the risk level of the payment request.

3. The method according to claim 2, characterized in that After sending the payment request to the pre-established unified payment platform, the method further includes: Sending the first WeChat public account identifier to the unified payment platform; Obtaining a current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account, wherein the current payment authorization mapping relationship is established according to the first WeChat official account identifier and the second WeChat official account identifier; The current payment authorization mapping relationship is sent to a payment gateway so that the payment gateway can perform payment routing between the first WeChat official account and the second WeChat official account.

4. The method according to claim 3, characterized in that The obtaining of the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account includes: Obtaining the payment authorization status of the user in the first WeChat public account according to the first WeChat public account identifier; If the payment authorization status of the first WeChat official account is authorized, the authorized status information is transmitted to the second WeChat official account to obtain the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account; If the payment authorization status of the first WeChat public account is unauthorized, the first WeChat public account is authorized for payment, and the authorized status information is passed to the second WeChat public account. The authorized status information is automatically verified through a smart contract, and the status information is updated according to the result of the automatic verification to obtain the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account.

5. The method according to claim 3 or 4, characterized in that: After obtaining the payment authorization mapping relationship between the first WeChat official account and the second WeChat official account, the method further includes: Acquiring a risk level of the payment request according to the unified payment platform; If the risk level exceeds a preset risk threshold, a secondary identity authentication is performed on the user based on the user identity mapping relationship; the secondary identity authentication includes at least one of a text message verification code and face recognition; The current payment authorization mapping relationship after the secondary identity verification is sent to the payment gateway.

6. The method according to claim 1, characterized in that If the payment result data indicates that the payment is successful, synchronizing the payment result data to the first WeChat public account through a payment credential synchronization mechanism includes: Distributed ledger technology is used to store the payment result data in an encrypted manner on multiple nodes, and the payment result data on the multiple nodes are synchronized in real time through a consensus algorithm.

7. The method according to claim 1, characterized in that After receiving the payment result data fed back by the second WeChat public account, the method further includes: If the payment result data indicates a payment failure, the reason for the payment failure is obtained, a risk score corresponding to the second WeChat public account is generated based on the reason for the payment failure, the risk score is sent to the unified payment platform, and payment reference information of the second WeChat public account is generated.

8. A cross-WeChat public account payment system, characterized in that: include: A payment request acquisition module, used to acquire a payment request from a user on a first WeChat public account, wherein the payment request includes an identifier of a second WeChat public account; A payment request sending module, used for sending the payment request to a pre-established unified payment platform; A payment result data acquisition module, used to receive the payment result data fed back by the second WeChat official account, wherein the payment result data is generated after the payment request is initiated to the second WeChat official account by the unified payment platform and after the second WeChat official account completes the payment; The payment result data synchronization module is used to synchronize the payment result data to the first WeChat public account through a payment voucher synchronization mechanism if the payment result data indicates successful payment.

9. An electronic device, characterized in that: include: at least one processor and memory; The memory and the processor are connected via a bus; The memory is used to store one or more programs; When the one or more programs are executed by the at least one processor, the method for cross-WeChat public account payment as described in any one of claims 1 to 7 is implemented.

10. A readable storage medium, characterized in that: An execution program is stored thereon, and when the execution program is executed, the method for cross-WeChat public account payment as described in any one of claims 1 to 7 is implemented.

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