A method, system, device and medium for cross-WeChat public account payment

Abstract

The present invention provides a method, system, device and medium for cross-WeChat public account payment, which relates to the field of cross-platform payment technology. The method includes: obtaining a payment request from a user on 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 via the unified payment platform and after 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 via a payment voucher synchronization mechanism. The present invention establishes a unified payment platform to synchronize the payment result data of the second WeChat public account to the first WeChat public account, thereby achieving the effect of users completing payments between different WeChat public accounts, simplifying the process of cross-WeChat public account payments, and improving the user's payment experience.

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] Amid the rapid development of the mobile internet, WeChat Official Accounts have become a crucial tool for businesses and individuals to disseminate information, conduct marketing promotions, and conduct business operations. As an application built on the WeChat ecosystem, WeChat Official Accounts support a variety of functional modules, such as image and text push, user interaction, and online payment. Specifically, the payment function of WeChat Official Accounts relies on the WeChat payment system, providing users with a convenient way to conduct online transactions. Existing WeChat Official Account payment functions are typically managed within a single Official Account. This means that the entire process, including product display, order management, and payment operations, all relies on the same WeChat Official Account. This model is highly closed and suitable for single-entity business scenarios. However, with the prevalence of mobile payments and the increasing demand for cross-platform business, businesses and individuals often have multiple WeChat Official Accounts, each of which may correspond to different business lines, customer groups, or regional markets. For example, a business may have one Official Account for product sales and another for customer service. If customers want to browse information on one Official Account and complete payments on another, this is not possible with existing technology.

[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] To overcome the above-mentioned deficiencies in the prior art, the present invention provides a method for cross-WeChat public account payment, comprising:

[0005] 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;

[0006] Send the payment request to the pre-established unified payment platform;

[0007] Receive 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 via the unified payment platform and the payment is completed on the second WeChat official account;

[0008] If the payment result data indicates that the payment is successful, the payment result data is synchronized to the first WeChat official account through the payment voucher synchronization mechanism.

[0009] Optionally, establish a unified payment platform, including:

[0010] Obtain the payment authorization mapping relationship between users in different WeChat official accounts;

[0011] Use federated learning algorithms to establish a unified user identity mapping relationship across different WeChat public accounts;

[0012] Determine the risk level of payment requests based on the user's historical payment behavior and authorization records;

[0013] Establish a unified payment platform based on payment authorization mapping relationships, user identity mapping relationships and risk levels of payment requests.

[0014] Optionally, after sending the payment request to the pre-established unified payment platform, the method further includes:

[0015] Send the first WeChat official account ID to the unified payment platform;

[0016] Obtaining a current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account, where the current payment authorization mapping relationship is established based on the first WeChat official account identifier and the second WeChat official account identifier;

[0017] 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.

[0018] Optionally, obtaining the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account includes:

[0019] Obtaining the payment authorization status of the user on the first WeChat official account according to the first WeChat official account identifier;

[0020] 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;

[0021] If the payment authorization status of the first WeChat official account is unauthorized, the payment is authorized for the first WeChat official account, and the authorized status information is passed to the second WeChat official 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 official account and the second WeChat official account.

[0022] Optionally, after obtaining the payment authorization mapping relationship between the first WeChat official account and the second WeChat official account, the method further includes:

[0023] Obtaining a risk level of the payment request according to the unified payment platform;

[0024] If the risk level exceeds the preset risk threshold, the user will undergo secondary identity verification based on the user identity mapping relationship; the secondary identity verification includes at least one of SMS verification code and facial recognition;

[0025] The payment authorization mapping relationship after the secondary identity verification is passed is sent to the payment gateway.

[0026] Optionally, if the payment result data indicates successful payment, the payment result data is synchronized to the first WeChat official account through the payment voucher synchronization mechanism, including:

[0027] Using distributed ledger technology, 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.

[0028] Optionally, after receiving the payment result data fed back by the second WeChat official account, the method further includes:

[0029] If the payment result data indicates payment failure, the reason for the payment failure is obtained, a risk score corresponding to the second WeChat official 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 for the second WeChat official account is generated.

[0030] Optionally, obtain the user's payment request on the first WeChat official account, including:

[0031] The payment request carries encrypted user information; the encrypted information includes encrypted sensitive payment data of the user;

[0032] Use homomorphic encryption technology to encrypt sensitive payment data.

[0033] Optionally, complete the payment on the second WeChat official account to generate payment result data, including:

[0034] Determine the user's optimal payment channel based on the second WeChat official account through an intelligent routing algorithm;

[0035] Complete payment through the optimal payment channel and generate payment result data.

[0036] Based on the same inventive concept, the present invention also provides a cross-WeChat official account payment system, which is characterized by including:

[0037] A payment request acquisition module, configured to acquire a payment request from a user on the first WeChat official account, wherein the payment request includes an identifier of the second WeChat official account;

[0038] A payment request sending module, used to send the payment request to a pre-established unified payment platform;

[0039] A payment result data acquisition module is used to receive payment result data fed back by the second WeChat official account. The payment result data is generated after a payment request is initiated to the second WeChat official account through the unified payment platform and the second WeChat official account completes the payment;

[0040] 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 successful.

[0041] Optionally, the system further includes a unified payment platform establishment module for:

[0042] Obtain the payment authorization mapping relationship between users in different WeChat official accounts;

[0043] Use federated learning algorithms to establish a unified user identity mapping relationship across different WeChat public accounts;

[0044] Determine the risk level of payment requests based on the user's historical payment behavior and authorization records;

[0045] Establish a unified payment platform based on payment authorization mapping relationships, user identity mapping relationships and risk levels of payment requests.

[0046] Optionally, the system further includes a payment authorization mapping relationship establishment module, wherein:

[0047] An identification sending submodule, configured to send the first WeChat public account identification to the unified payment platform;

[0048] An authorization mapping relationship obtaining submodule is used to obtain the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account, where the current payment authorization mapping relationship is established based on the first WeChat official account identifier and the second WeChat official account identifier;

[0049] 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 official account and the second WeChat official account.

[0050] Optionally, the authorization mapping relationship acquisition submodule is specifically used to:

[0051] Obtaining the payment authorization status of the user on the first WeChat official account according to the first WeChat official account identifier;

[0052] 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;

[0053] If the payment authorization status of the first WeChat official account is unauthorized, the payment is authorized for the first WeChat official account, and the authorized status information is passed to the second WeChat official 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 official account and the second WeChat official account.

[0054] Optionally, the system further includes a secondary verification module for:

[0055] Obtain the risk level of the payment request based on the unified payment platform;

[0056] If the risk level exceeds the preset risk threshold, the user will undergo secondary identity verification based on the user identity mapping relationship; the secondary identity verification includes at least one of SMS verification code and facial recognition;

[0057] The payment authorization mapping relationship after the secondary identity verification is passed is sent to the payment gateway.

[0058] Optionally, the payment data synchronization module is specifically used to:

[0059] Using distributed ledger technology, 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.

[0060] Optionally, the system further includes a payment failure processing module, configured to:

[0061] If the payment result data indicates payment failure, the reason for the payment failure is obtained, a risk score corresponding to the second WeChat official 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 for the second WeChat official account is generated.

[0062] Optionally, the payment request acquisition module is specifically used to:

[0063] The payment request carries encrypted user information; the encrypted information includes encrypted sensitive payment data of the user;

[0064] Use homomorphic encryption technology to encrypt sensitive payment data.

[0065] Optionally, the payment result data acquisition module is specifically used to:

[0066] Determine the user's optimal payment channel based on the second WeChat official account through an intelligent routing algorithm;

[0067] Complete payment through the optimal payment channel and generate payment result data.

[0068] Based on the same inventive concept, the present invention further provides an electronic device, comprising: at least one processor and a memory; the memory and the processor are connected via a bus;

[0069] The memory is used to store one or more programs;

[0070] When the one or more programs are executed by the at least one processor, the above-mentioned method of cross-WeChat official account payment is implemented.

[0071] 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.

[0072] Compared with the closest prior art, the present invention has the following beneficial effects:

[0073] The present invention provides a method for cross-WeChat public account payment, comprising: 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 public account, wherein the payment result data is generated after the payment request is initiated to the second WeChat public account via 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 via 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 via 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

[0074] Figure 1 The present invention provides a flow chart of a cross-WeChat public account payment method;

[0075] Figure 2 A structural diagram of a cross-WeChat public account payment system provided by the present invention;

[0076] Figure 3 A schematic diagram of an electronic device provided by the present invention. DETAILED DESCRIPTION

[0077] The following describes embodiments of the present invention in detail, 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 are not to be construed as limiting the present invention.

[0078] Example 1:

[0079] The present invention provides a method for cross-WeChat public account payment, specifically, Figure 1 The flowchart of the cross-WeChat official account payment method provided in an embodiment of the present invention includes the following steps as shown in the figure:

[0080] 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;

[0081] S2: Send the payment request to the pre-established unified payment platform;

[0082] S3: Receive payment result data fed back by the second WeChat official account. The payment result data is generated after a payment request is initiated to the second WeChat official account via the unified payment platform and the second WeChat official account completes the payment.

[0083] S4: If the payment result data indicates successful payment, the payment result data is synchronized to the first WeChat official account through the payment voucher synchronization mechanism.

[0084] The present invention establishes a unified payment platform to send the payment request initiated by the first WeChat public account to the 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 enabling users to complete payments between different WeChat public accounts, simplifying the process of cross-WeChat public account payments, and improving the user's payment experience.

[0085] Obtain a payment request from a user on a first WeChat official account, the payment request including an identifier of a second WeChat official account, wherein the first WeChat official account is the WeChat official account that initiates the payment request, and the second WeChat official account is the WeChat official account that performs the payment.

[0086] Parameters of the second WeChat public account identifier included in the user's payment request to the first WeChat public account are parsed to determine the second WeChat public account for subsequent payment.

[0087] In this embodiment, in addition to including the second WeChat public account identifier in the user's payment request for the first WeChat public account, it 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, expiration date, 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 restriction here.

[0088] To achieve the effect of completing payments across WeChat official accounts and avoid the problem of duplicate authorization that reduces the user payment experience, the embodiment of the present invention pre-establishes a unified payment platform that can handle payments across different WeChat official accounts. This unified payment platform is compatible with payment requests from multiple WeChat official accounts, realizing payment integration across WeChat official accounts, allowing users to achieve seamless payment docking across multiple official accounts. Similarly, merchants with multiple WeChat official accounts can achieve seamless payment docking within this unified payment platform.

[0089] Specifically, the pre-established unified payment platform includes: obtaining the payment authorization mapping relationship of users in different WeChat official accounts; using the federated learning algorithm to establish a unified user identity mapping relationship in different WeChat official accounts; determining the risk level of the payment request 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 the payment request.

[0090] The payment authorization mapping relationship between a user and different WeChat Official Accounts includes the user's user ID, authorization time, or payment authorization status for each WeChat Official Account. This payment authorization mapping relationship is established based on the different WeChat Official Account IDs. For example, if a user has completed payment authorization on WeChat Official Account A, WeChat Official Account B, upon receiving a payment request, can directly reuse this authorization information, eliminating the need to repeatedly authorize WeChat Official Account B and simplifying 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 Official Accounts. Specifically, the user identity mapping relationship includes the user's WeChat ID, user nickname, user authentication information, and so on. Furthermore, the federated learning model determines the risk level of a payment request based on the user's historical payment behavior and authorization records. Based on the payment authorization mapping relationship, user identity mapping relationship, and the risk level of the payment request, a unified payment platform is established.

[0091] It is understood that the unified payment platform can be built based on a machine learning model. Specifically, historical data on payment authorization mappings, user identity mappings, and payment request risk levels across different WeChat official accounts is used for training to determine the unified payment platform. Furthermore, the newly generated payment authorization mappings, user identity mappings, and payment request risk levels can be used to further optimize the unified payment platform.

[0092] 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.

[0093] 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.

[0094] In some specific implementations, the payment gateway may be deployed separately or on a unified payment platform, which is not limited here.

[0095] To address the issue of inconsistent payment interfaces and data formats across different WeChat official accounts, in this embodiment, unified payment gateway rules are constructed to uniformly route payment requests from different WeChat official accounts based on the standardized API (Application Programming Interface) in the payment gateway.

[0096] 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 among multiple WeChat official accounts and reduce the development and maintenance costs of merchants.

[0097] In an optional implementation, smart contract technology can be used to store and verify the current payment data converted into a unified format in the form of a blockchain, ensuring the consistency and non-tamperability of the current payment data across multiple WeChat official accounts.

[0098] Specifically, the current payment data is encrypted using a hash algorithm to generate the encrypted ciphertext of the current payment data, which is used as the unique identifier for the current payment data. A key-value pair is constructed using the encrypted ciphertext of the current payment data as the key and the original current payment data as the value. This key-value pair is then written to the blockchain via a smart contract, enabling on-chain storage of the payment data. When the payment data is stored on the blockchain, the current payment data in the blockchain is verified using a consensus algorithm. If the current payment data passes verification, it is marked as confirmed; otherwise, it is marked as an exception. Based on the encrypted ciphertext of the current payment data, the corresponding current payment data is queried from the blockchain to obtain detailed payment data information. The smart contract then deduplicates the payment data to ensure that no duplicate payment data exists in the blockchain. A payment data query service can also be provided to merchants via a blockchain explorer. Merchants can query payment details based on the encrypted ciphertext of the current payment data. The smart contract also verifies the consistency and immutability of the current payment data, protecting merchant rights.

[0099] In an optional embodiment, after sending the payment request to the pre-established unified payment platform, establishing a current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account, including: obtaining the user's payment authorization status on the first WeChat official account based on the first WeChat official account identifier; if the payment authorization status of the first WeChat official account is authorized, transmitting the authorized status information to the second WeChat official account, and obtaining the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account;

[0100] If the payment authorization status of the first WeChat official account is unauthorized, the payment is authorized for the first WeChat official account, and the authorized status information is passed to the second WeChat official 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 official account and the second WeChat official account.

[0101] Establish a current payment authorization mapping relationship between two WeChat official accounts, that is, determine whether cross-WeChat official account payments can be made between the first WeChat official account and the second WeChat official account. Specifically, obtain the user's payment authorization status on the first WeChat official account. If the first WeChat official account has authorized payment, the first WeChat official account is a trusted WeChat official account, and the payment authorization status information is passed to the second WeChat official account to establish a current payment authorization mapping relationship between the two WeChat official accounts. If the first WeChat official account has not authorized payment, the payment authorization process is carried out on the first WeChat official account, and then the authorized status information is passed to the second WeChat official account to establish a current payment authorization mapping relationship between the two WeChat official accounts.

[0102] 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.

[0103] Since the present invention does not perform payment authorization authentication for the second WeChat official account, in some optional implementations, in order to further improve the security of cross-WeChat official account payments, after obtaining the payment authorization mapping relationship between the first WeChat official account and the second WeChat official account, the current payment request needs to be verified.

[0104] 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, the user is subjected to secondary identity authentication based on the user identity mapping relationship; the secondary identity authentication includes at least one of SMS verification code and face recognition; the current payment authorization mapping relationship after the secondary identity authentication is sent to the payment gateway.

[0105] For high-risk current payment requests, such as large-value transfers and inter-regional payments, a multi-party security calculation mechanism can be introduced. Multiple parties jointly verify the legitimacy of the transaction, and current payment requests require authorization from multiple parties before they can be executed, further improving payment security.

[0106] The payment request is sent to the unified payment platform. After obtaining the payment routes of the first WeChat official account and the second WeChat official account, the unified payment platform initiates a payment request to the second WeChat official account, completes the payment on the second WeChat official account, and generates payment result data.

[0107] 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.

[0108] To address the issue 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 the users' payment paths. This can optimize the payment process across WeChat official accounts, simplify the payment process, and improve users' payment experience and efficiency.

[0109] In one specific implementation, a user's payment history and behavior data from different WeChat official accounts are obtained. Through data preprocessing and feature engineering, a feature vector of the user's payment preferences and habits is constructed. A supervised learning algorithm, such as a decision tree or intelligent routing algorithm, is used, using the user's feature vector as input and the user's actual selected payment channel as a label to predict and train the payment path, thereby obtaining a payment path prediction model. Furthermore, information related to the current payment scenario, such as the payment amount and product type, as well as the user's payment preferences and habits, is input into the payment path prediction model to determine the payment channel 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, and the user's payment history is updated. This updated payment history is then 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 predictions is continuously improved, providing users with a more intelligent and efficient payment experience across WeChat official accounts.

[0110] For example, by extracting a user's payment history and behavior data from various WeChat official accounts, we can extract the user's payment preference characteristics, such as an average payment amount of 500 yuan, a payment frequency of three times per month, and a preferred payment method of WeChat Pay. This creates a payment preference feature vector for the user. A decision tree algorithm is then used to train this user's payment preference feature vector to generate a payment path prediction model. When a user chooses a refrigerator worth 5,000 yuan, the payment path prediction model, combined with the user's historical payment preference characteristics, concludes that WeChat Pay is the most likely payment method for this purchase. WeChat Pay is then placed first on the payment page, followed by other payment methods such as savings cards, credit cards, and small change. Furthermore, after the payment is completed, the system updates the user's payment record with the payment result data as the user's new payment record. For example, if the payment amount is 5,000 yuan and the payment method is WeChat Pay, this record is used as a new training example. The gradient boosting decision tree algorithm can then be used to optimize the payment path prediction model, improving 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.

[0111] 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.

[0112] 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.

[0113] In one specific implementation, distributed ledger technology is used to store user payment result data in a decentralized manner across multiple nodes. Real-time synchronization and verification of payment result data is achieved through a consensus mechanism, ensuring consistency and continuity across different WeChat official accounts. Furthermore, a zero-knowledge proof protocol can be used to generate cryptographic proofs of payment transactions, ensuring the auditability of cross-WeChat official account payment processes without disclosing user payment privacy. Transaction proofs are then stored in association with the original transaction data, forming a traceable transaction chain and enhancing transaction security and traceability. This approach can further enhance the security and credibility of cross-WeChat official account payments.

[0114] If the payment result data indicates payment failure, the reason for the payment failure is obtained, a risk score corresponding to the second WeChat official 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 for the second WeChat official account is generated.

[0115] In an optional implementation, after obtaining the reason for the payment failure, you can retry the payment based on the reason. If the payment still fails, it indicates 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.

[0116] The method for cross-WeChat public account payment provided by the present invention includes: 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 public account, wherein the payment result data is generated after the payment request is initiated to the second WeChat public account via 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 via a payment voucher synchronization mechanism. The present invention achieves the effect of users completing payments between different WeChat public accounts by sending the payment request of the first WeChat public account to the second WeChat public account via 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.

[0117] Example 2:

[0118] 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:

[0119] A payment request acquisition module 201 is configured 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;

[0120] The payment request sending module 202 is used to send the payment request to the pre-established unified payment platform;

[0121] The payment result data acquisition module 203 is used to receive the payment result data fed back by the second WeChat official account. The payment result data is generated after a payment request is initiated to the second WeChat official account through the unified payment platform and the second WeChat official account completes the payment;

[0122] The payment result data synchronization module 204 is configured to synchronize the payment result data to the first WeChat official account through a payment voucher synchronization mechanism if the payment result data indicates successful payment.

[0123] Optionally, the system further includes a unified payment platform establishment module for:

[0124] Obtain the payment authorization mapping relationship between users in different WeChat official accounts;

[0125] Use federated learning algorithms to establish a unified user identity mapping relationship across different WeChat public accounts;

[0126] Determine the risk level of payment requests based on the user's historical payment behavior and authorization records;

[0127] Establish a unified payment platform based on payment authorization mapping relationships, user identity mapping relationships and risk levels of payment requests.

[0128] Optionally, the system further includes a payment authorization mapping relationship establishment module, wherein:

[0129] An identification sending submodule, configured to send the first WeChat public account identification to the unified payment platform;

[0130] An authorization mapping relationship obtaining submodule is used to obtain the current payment authorization mapping relationship between the first WeChat official account and the second WeChat official account. The payment authorization mapping relationship is established based on the first WeChat official account identifier and the second WeChat official account identifier;

[0131] 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 official account and the second WeChat official account.

[0132] Optionally, the authorization mapping relationship acquisition submodule is specifically used to:

[0133] Obtaining the payment authorization status of the user on the first WeChat official account according to the first WeChat official account identifier;

[0134] 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;

[0135] If the payment authorization status of the first WeChat official account is unauthorized, the payment is authorized for the first WeChat official account, and the authorized status information is passed to the second WeChat official 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 official account and the second WeChat official account.

[0136] Optionally, the system further includes a secondary verification module for:

[0137] Obtain the risk level of the payment request based on the unified payment platform;

[0138] If the risk level exceeds the preset risk threshold, the user will undergo secondary identity verification based on the user identity mapping relationship; the secondary identity verification includes at least one of SMS verification code and facial recognition;

[0139] The payment authorization mapping relationship after the secondary identity verification is passed is sent to the payment gateway.

[0140] Optionally, the payment data synchronization module is specifically used to:

[0141] Using distributed ledger technology, 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.

[0142] Optionally, the system further includes a payment failure processing module, configured to:

[0143] If the payment result data indicates payment failure, the reason for the payment failure is obtained, a risk score corresponding to the second WeChat official 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 for the second WeChat official account is generated.

[0144] Optionally, the payment request acquisition module is specifically used to:

[0145] The payment request carries encrypted user information; the encrypted information includes encrypted sensitive payment data of the user;

[0146] Use homomorphic encryption technology to encrypt sensitive payment data.

[0147] Optionally, the payment result data acquisition module is specifically used to:

[0148] Determine the user's optimal payment channel based on the second WeChat official account through an intelligent routing algorithm;

[0149] Complete payment through the optimal payment channel and generate payment result data.

[0150] Example 3:

[0151] Based on the same inventive concept, Figure 3 As shown, the present invention also provides an electronic device, which may be a computer, a single-chip microcomputer, a smart mobile device, or the like. The electronic device in this embodiment may include a processor, a memory, a transceiver component, and the like. The memory, processor, and transceiver component are connected via a bus; the memory may be used to store an execution program, which may include instructions; and the processor may be used to execute the instructions stored in the memory. The memory may also be used to store data, which may be accessed and / or modified during the execution of the instructions.

[0152] 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 gate 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 function, so as to implement the steps of a cross-WeChat public account payment method in the above embodiment.

[0153] Example 4:

[0154] 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 the electronic device for storing programs and data. It is understandable that the readable storage medium here can include both built-in storage media in the electronic device and, of course, extended storage media supported by the electronic device. The storage medium provides a storage space that stores the terminal's operating system. In addition, the storage space also stores one or more instructions suitable for being loaded and executed by the processor. These instructions can be one or more execution programs (including program code). 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 storage. 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.

[0155] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. 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 magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0156] 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 flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts 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, 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 flowcharts and / or block diagrams. 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.

[0157] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work 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 The function specified in one or more boxes.

[0158] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0159] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention and are not intended to limit its scope of protection. 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 may 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 scope of protection of the pending claims of the application.

Claims

1. A method for cross-WeChat official account payment, characterized in that: include: Obtaining 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; Sending the payment request to a pre-established unified payment platform; receiving payment result data fed back by the second WeChat official account, the payment result data being generated after the payment request is initiated to the second WeChat official account via the unified payment platform and the second WeChat official account completes the payment, wherein the second WeChat official account directly reuses the authorization information of the payment authorization completed by the first WeChat official account and no longer requires repeated authorization for the second WeChat official account; 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; The establishment of a unified payment platform includes: obtaining payment authorization mapping relationships of users across different WeChat official accounts; establishing a unified user identity mapping relationship across the different WeChat official accounts using a federated learning algorithm; determining the risk level of the payment request based on the user's historical payment behavior and historical authorization records; establishing a unified payment platform based on the payment authorization mapping relationship, the user identity mapping relationship, and the risk level of the payment request; the user identity mapping relationship includes but is not limited to the user's WeChat ID, user nickname, and user authentication information; the unified payment platform is compatible with payment requests from different WeChat official accounts, achieving seamless payment integration between multiple WeChat official accounts; After sending the payment request to the 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, and 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 so that the payment gateway can perform payment routing between the first WeChat public account and the second WeChat public account; wherein, obtaining the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account includes: obtaining the payment authorization status of the user in the first WeChat public account based on the first WeChat public account identifier; if the payment authorization status of the first WeChat public account is authorized, passing 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, authorizing the payment for the first WeChat public account, and passing the authorized status information to the second WeChat public account.

2. The method according to claim 1, characterized in that If the payment authorization status of the first WeChat official account is unauthorized, performing payment authorization on the first WeChat official account and transmitting the authorized status information to the second WeChat official account, the method further includes: 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 official account and the second WeChat official account.

3. The method according to claim 1 or 2, 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: obtaining 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 verification is performed on the user based on the user identity mapping relationship; the secondary identity verification 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.

4. The method according to claim 1, wherein If the payment result data indicates that the payment is successful, synchronizing the payment result data to the first WeChat official 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.

5. The method according to claim 1, wherein After receiving the payment result data fed back by the second WeChat official 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 official 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 for the second WeChat official account is generated.

6. A cross-WeChat official account payment system, characterized by: include: A payment request acquisition module, configured 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, configured to send the payment request to a pre-established unified payment platform; a payment result data acquisition module, configured to receive payment result data fed back by the second WeChat official account, the payment result data being generated after the payment request is initiated to the second WeChat official account via the unified payment platform and the second WeChat official account completes the payment, wherein the second WeChat official account directly reuses the authorization information of the payment authorization completed by the first WeChat official account and no longer requires repeated authorization for the second WeChat official account; A payment result data synchronization module, configured to synchronize the payment result data to the first WeChat official account through a payment voucher synchronization mechanism if the payment result data indicates successful payment; The establishment of a unified payment platform includes: obtaining payment authorization mapping relationships of users across different WeChat official accounts; establishing a unified user identity mapping relationship across the different WeChat official accounts using a federated learning algorithm; determining the risk level of the payment request based on the user's historical payment behavior and historical authorization records; establishing a unified payment platform based on the payment authorization mapping relationship, the user identity mapping relationship, and the risk level of the payment request; the user identity mapping relationship includes but is not limited to the user's WeChat ID, user nickname, and user authentication information; the unified payment platform is compatible with payment requests from different WeChat official accounts, achieving seamless payment integration between multiple WeChat official accounts; The system also includes a payment authorization mapping relationship establishment module, which is used to: send the first WeChat public account identifier to the unified payment platform; obtain the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account, and the current payment authorization mapping relationship is established based on the first WeChat public account identifier and the second WeChat public account identifier; 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; wherein, obtaining the current payment authorization mapping relationship between the first WeChat public account and the second WeChat public account includes: obtaining the payment authorization status of the user in the first WeChat public account based on the first WeChat public account identifier; if the payment authorization status of the first WeChat public account is authorized, then passing 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, performing payment authorization on the first WeChat public account, and passing the authorized status information to the second WeChat public account.

7. 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 official account payment as described in any one of claims 1 to 5 is implemented.

8. 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 5 is implemented.

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