Online transaction payment processing method and device, electronic equipment, storage medium and program product

Abstract

The embodiment of the invention provides an online transaction payment processing method and device, electronic equipment, a storage medium and a program product. Relates to the technical field of computers. The method comprises the following steps: acquiring a payment request of an online transaction; wherein the payment request comprises a transaction store number of the online transaction. Determining first personal information and second personal information of an initiator initiating the payment request according to the transaction store number; wherein the first personal information and the second personal information are respectively information acquired from different preset channels. And if it is determined that the first personal information is consistent with the second personal information, payment processing is executed. The method is used for achieving the effect of improving the identity verification accuracy of the payer.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a payment processing method, device, electronic device, storage medium and program product for online transactions. Background Art

[0002] At present, in order to further strengthen the supervision of lottery agency sales, standardize the management of prepayments by agents, and prevent and control the risk of lottery fund collection from the source, according to the requirements of the Welfare Lottery Center, it is clear that when agents prepay lottery money through bank accounts (the account holder is the agent), the identity information of the agents must be verified.

[0003] In the prior art, users usually go to a bank to prepay the lottery money.

[0004] However, in the prior art, the user who goes to the bank to prepay the lottery ticket money may not be the same as the registered person of the transaction store, that is, the lottery ticket money is paid on behalf of others. Therefore, there is an urgent need for a method to accurately verify the identity of the payer. Summary of the invention

[0005] The embodiments of the present application provide a payment processing method, device, electronic device, storage medium and program product for online transactions, so as to achieve the effect of improving the accuracy of identity verification of payers.

[0006] In a first aspect, an embodiment of the present application provides a payment processing method for an online transaction, comprising:

[0007] Obtaining a payment request for an online transaction; wherein the payment request includes a transaction store number for the online transaction;

[0008] Determine, according to the transaction store number, first personal information and second personal information of the initiator of the payment request; wherein the first personal information and the second personal information are respectively obtained from different preset channels;

[0009] If it is determined that the first personal information is consistent with the second personal information, payment processing is performed.

[0010] In a possible implementation manner, determining the first personal information and the second personal information of the initiator of the payment request according to the transaction store number includes:

[0011] Sending the transaction store number to a preset system; wherein the transaction store number is used to query the first personal information of the initiator of the payment request;

[0012] Receiving the first personal information sent by the preset system;

[0013] The initiator information is obtained, and the second personal information of the initiator is determined according to the initiator information.

[0014] In a possible implementation, sending the transaction store number to a preset system includes:

[0015] The transaction store number is encrypted according to a preset first message encryption algorithm to obtain an encrypted transaction store number;

[0016] The encrypted transaction store number is sent to a preset system; so that the preset system receives the encrypted transaction store number, decrypts the encrypted transaction store number, queries to obtain the first personal information corresponding to the decrypted transaction store number, and encrypts the first personal information according to a preset second message encryption algorithm to obtain the encrypted first personal information.

[0017] In a possible implementation manner, the first personal information and the second personal information both include the name and identity information of the initiator.

[0018] In a possible implementation, the method further includes:

[0019] If it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is the same as the length of the identity information in the second personal information, then the payment is terminated;

[0020] If it is determined that the first personal information is inconsistent with the second personal information and the lengths of the identity information in the first personal information and the identity information in the second personal information are different, a prompt message is generated based on the identity information with a smaller length; wherein the prompt message is used to prompt the user to go to the channel corresponding to the identity information with a smaller length to modify the identity information.

[0021] In a possible implementation, the method further includes:

[0022] Query the contract signing record of the initiator in the preset contract signing table;

[0023] The determining, according to the transaction store number, the first personal information and the second personal information of the initiator of the payment request includes:

[0024] If it is determined that the contract signing table contains the contract signing record of the initiator, the first personal information and the second personal information of the initiator who initiated the payment request are determined according to the transaction store number.

[0025] In a second aspect, an embodiment of the present application provides a payment processing device for online transactions, including:

[0026] An acquisition module, used to acquire a payment request for an online transaction; wherein the payment request includes a transaction store number in the online transaction;

[0027] A determination module, configured to determine first personal information and second personal information of a person who initiates the payment request according to the transaction store number; wherein the first personal information and the second personal information are respectively obtained from different preset channels;

[0028] The payment module is used to execute payment processing if it is determined that the first personal information is consistent with the second personal information.

[0029] In a possible implementation, the determining module includes:

[0030] A sending unit, used to send the transaction store number to a preset system; wherein the transaction store number is used to query the first personal information of the initiator who initiates the payment request;

[0031] A receiving unit, configured to receive the first personal information sent by the preset system;

[0032] The determining unit is used to obtain the initiator information and determine the second personal information of the initiator according to the initiator information.

[0033] In a possible implementation manner, the sending unit is specifically configured to:

[0034] The transaction store number is encrypted according to a preset first message encryption algorithm to obtain an encrypted transaction store number;

[0035] The encrypted transaction store number is sent to a preset system; so that the preset system receives the encrypted transaction store number, decrypts the encrypted transaction store number, queries to obtain the first personal information corresponding to the decrypted transaction store number, and encrypts the first personal information according to a preset second message encryption algorithm to obtain the encrypted first personal information.

[0036] In a possible implementation manner, the first personal information and the second personal information both include the name and identity information of the initiator.

[0037] In a possible implementation manner, the device is further specifically used for:

[0038] If it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is the same as the length of the identity information in the second personal information, then the payment is terminated;

[0039] If it is determined that the first personal information is inconsistent with the second personal information and the lengths of the identity information in the first personal information and the identity information in the second personal information are different, a prompt message is generated based on the identity information with a smaller length; wherein the prompt message is used to prompt the user to go to the channel corresponding to the identity information with a smaller length to modify the identity information.

[0040] In a possible implementation manner, the device is further specifically used for:

[0041] Query the contract signing record of the initiator in the preset contract signing table;

[0042] The determination module is specifically used for:

[0043] If it is determined that the contract signing table contains the contract signing record of the initiator, the first personal information and the second personal information of the initiator who initiated the payment request are determined according to the transaction store number.

[0044] In a third aspect, an embodiment of the present application provides an electronic device, including: a memory, a processor;

[0045] The memory stores computer-executable instructions;

[0046] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.

[0047] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementations of the first aspect.

[0048] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above first aspect and / or various possible implementation methods of the first aspect.

[0049] The payment processing method, device, electronic device, storage medium and program product for online transactions provided in the embodiments of the present application obtain a payment request for an online transaction; wherein the payment request includes the transaction store number of the online transaction. According to the transaction store number, the first personal information and the second personal information of the initiator of the payment request are determined; wherein the first personal information and the second personal information are respectively information obtained from different preset channels. If it is determined that the first personal information is consistent with the second personal information, the payment processing is executed. In this scheme, for the payment request for an online transaction initiated by the user, it is necessary to obtain the first personal information and the second personal information of the user from different channels before the payment transaction, and if the first personal information and the second personal information are consistent, the payment continues. Therefore, by performing identity verification before the payment transaction, the real-name management of prepayment of lottery agents is realized, so as to achieve the effect of improving the accuracy of the identity verification of the payer. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0051] Figure 1 A schematic diagram of a payment processing method for online transactions provided in an embodiment of the present application Figure 1 ;

[0052] Figure 2 Another method for processing online transaction fees provided in this application embodiment Figure 2 ;

[0053] Figure 3 A schematic diagram of a payment processing method for online transactions provided in this application Figure 3 ;

[0054] Figure 4 A schematic diagram of the structure of a payment processing device for online transactions provided in an embodiment of the present application;

[0055] Figure 5 A schematic diagram of the structure of another payment processing device for online transactions provided in an embodiment of the present application;

[0056] Figure 6 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0057] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0058] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0059] At present, in order to further strengthen the supervision of lottery agency sales, standardize the management of prepayments by agents, and prevent and control the risk of lottery fund collection from the source, according to the requirements of the Welfare Lottery Center, it is clear that when agents prepay lottery money through bank accounts (the account holder is the agent), the identity information of the agents must be verified.

[0060] In one example, users usually go to a bank to prepay lottery tickets. However, in the prior art, users who go to a bank to prepay lottery tickets may not be the same as the registered person at the transaction store, that is, they pay the lottery tickets on behalf of others. Therefore, there is an urgent need for a method that can accurately verify the identity of the payer.

[0061] In combination with the above scenario, it can be seen that in the prior art, there is a technical problem that the user who goes to the bank to prepay the lottery money may not be consistent with the registrant of the transaction store.

[0062] The payment processing method for online transactions provided in this application solves the technical problem of low accuracy in verifying the payer's identity by means of technical means of identity verification before the payment transaction.

[0063] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0064] Figure 1 A schematic diagram of a payment processing method for online transactions provided in this application Figure 1 ,like Figure 1 As shown, the method includes:

[0065] S101. Obtain a payment request for an online transaction; wherein the payment request includes a transaction store number for the online transaction.

[0066] For example, the execution subject of this embodiment can be an electronic device, or a terminal device, or a payment processing device or device for online transactions, or other devices or equipment that can execute this embodiment, and there is no limitation on this. In this embodiment, the execution subject is introduced as an electronic device.

[0067] First, the transaction store number is the store's identity. Before the store opens, the user needs to complete the online transaction payment operation on the electronic device, which can be a bank. The electronic device obtains the payment request for the online transaction initiated by the user, where the payment request includes the transaction store number of the online transaction.

[0068] Among them, the channels for online transactions initiated by users can be counters, mobile banking (online banking), betting machines, etc., without any restrictions.

[0069] For example, the electronic device obtains a payment request for an online transaction initiated by a user at a counter; or, the electronic device obtains a payment request for an online transaction initiated by a user through mobile banking; or, the electronic device obtains a payment request for an online transaction initiated by a user at a betting machine.

[0070] S102. Determine first personal information and second personal information of the initiator of the payment request according to the transaction store number; wherein the first personal information and the second personal information are respectively obtained from different preset channels.

[0071] For example, according to the transaction store number, the first personal information and the second personal information of the initiator who initiates the payment request can be obtained from different preset channels. The first personal information and the second personal information both include the name and identity information of the initiator.

[0072] S103: If it is determined that the first personal information is consistent with the second personal information, payment processing is performed.

[0073] Exemplarily, the first personal information is compared with the second personal information. If it is determined that the first personal information is consistent with the second personal information, payment processing is performed to obtain transaction result information, which includes transaction success or transaction failure.

[0074] The payment processing method for online transactions provided in the embodiment of the present application obtains a payment request for an online transaction; wherein the payment request includes the transaction store number of the online transaction. According to the transaction store number, the first personal information and the second personal information of the initiator of the payment request are determined; wherein the first personal information and the second personal information are respectively information obtained from different preset channels. If it is determined that the first personal information is consistent with the second personal information, the payment processing is executed. In this scheme, for the payment request for an online transaction initiated by the user, it is necessary to obtain the first personal information and the second personal information of the user from different channels before the payment transaction, and if the first personal information and the second personal information are consistent, the payment continues. Therefore, by performing identity verification before the payment transaction, the real-name management of prepayment of lottery agents is realized, so as to achieve the effect of improving the accuracy of the payer's identity verification.

[0075] Figure 2 A schematic diagram of a payment processing method for online transactions provided in this application Figure 2 ,like Figure 2 As shown, in this embodiment Figure 1 Based on the embodiment, a payment processing method for online transactions is described in detail, and the method includes:

[0076] S201. Obtain a payment request for an online transaction; wherein the payment request includes a transaction store number for the online transaction.

[0077] For example, this step can be referred to Figure 1 Step 101 in the above is not described in detail.

[0078] S202: Query the signing record of the initiator in the preset signing table.

[0079] For example, before the user performs the payment operation, he needs to sign a contract with a bank, and the electronic device stores the user's contract record in a preset contract table. Therefore, in this step, the contract record of the initiator needs to be queried in the preset contract table first, that is, to determine whether the initiator has signed the contract.

[0080] S203. If it is determined that the contract signing table contains the contract signing record of the initiator, the transaction store number is sent to a preset system; wherein the transaction store number is used to query the first personal information of the initiator who initiated the payment request.

[0081] In one example, step S203 includes: encrypting the transaction store number according to a preset first message encryption algorithm to obtain an encrypted transaction store number; sending the encrypted transaction store number to a preset system; so that the preset system receives the encrypted transaction store number, decrypts the encrypted transaction store number, queries to obtain the first personal information corresponding to the decrypted transaction store number, and encrypts the first personal information according to a preset second message encryption algorithm to obtain the encrypted first personal information.

[0082] For example, if it is determined that the contract signing table contains the contract signing record of the initiator, it means that the initiator has signed the contract, and the transaction store number is sent to the preset system. When the preset system receives the transaction store number, it queries the first personal information of the initiator corresponding to the transaction store number.

[0083] Furthermore, in order to achieve risk identification and prevention of payment operations and prevent user information leakage, a dedicated line is used between the electronic device and the system. Specifically, in the process of data interaction with the preset system, the transaction store number can be encrypted according to the preset first message encryption algorithm to obtain the encrypted transaction store number, and the encrypted transaction store number can be sent to the preset system. The preset system receives the encrypted transaction store number, decrypts the encrypted transaction store number, queries to obtain the first personal information corresponding to the decrypted transaction store number, and encrypts the first personal information according to the preset second message encryption algorithm to obtain the encrypted first personal information, which is finally sent to the electronic device.

[0084] Therefore, in order to strictly prevent network risks, in the process of data interaction with the preset system, the message encryption transmission verification method is used to control the data transmission risk. At the same time, the electronic device and the preset system sign relevant agreements, requiring the preset system to sign an authorization agreement with individual customers before trading with individual customers, clearly agreeing that the electronic device can collect and process their personal customer information. Taking the Welfare Lottery Center as an example, if there is a transaction inconsistency caused by customer operations, the risk can be avoided by reconciling with the Welfare Lottery Center at the end of the day.

[0085] Furthermore, a fault-tolerant response can also be performed. Specifically, when a transaction timeout occurs during the operation of a user, a transaction consistency guarantee mechanism is provided. The transaction consistency guarantee mechanism provides interface optimization for the preset third party, and ensures transaction consistency through daily reconciliation with the third party. Furthermore, the transaction initiated by the betting machine is limited to a preset number of transactions per day. If the number of transactions exceeds the preset number of transactions, it will directly return that the number of interface calls exceeds the limit.

[0086] S204: Receive first personal information sent by a preset system.

[0087] Exemplarily, as shown in Table 1 below, the first personal information sent by the preset system is received, and the first personal information includes the name of the site manager (ie, the name of the initiator), identity information, and may also include a random code, current account balance, etc., without limitation.

[0088] Table 1

[0089]

[0090] S205: Acquire the initiator information, and determine the initiator's second personal information according to the initiator information.

[0091] In one example, the first personal information and the second personal information both include the name and identity information of the initiator.

[0092] Exemplarily, the electronic device can obtain the initiator information and determine the initiator's second personal information based on the initiator information. The initiator information includes a personal customer number and / or a bank card number, and the personal customer number refers to the user's mobile banking number; the first personal information and the second personal information both include the initiator's name and identity information.

[0093] If the channel for initiating the online transaction is the counter, the initiator information includes the bank card number; or, if the channel for initiating the online transaction is mobile banking (online banking), the initiator information includes the personal customer number and the bank card number; or, if the channel for initiating the online transaction is a betting machine, the initiator information includes the bank card number.

[0094] S206: If it is determined that the first personal information is consistent with the second personal information, payment processing is performed.

[0095] Exemplarily, the electronic device may compare the name and identity information of the initiator in the first personal information with the name and identity information of the initiator in the second personal information, and execute the payment process if it is determined that the first personal information is consistent with the second personal information.

[0096] S207: If it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is the same as the length of the identity information in the second personal information, then the payment is terminated.

[0097] Exemplarily, considering that the length of the new identity information is different from that of the old identity information, if it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is the same as that in the second personal information, the payment is terminated directly.

[0098] S208. If it is determined that the first personal information is inconsistent with the second personal information and the lengths of the identity information in the first personal information and the identity information in the second personal information are different, a prompt message is generated according to the identity information with a smaller length; wherein the prompt message is used to prompt the user to go to the channel corresponding to the identity information with a smaller length to modify the identity information.

[0099] Exemplarily, if it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is different from that in the second personal information, it means that the identity information with a shorter length needs to be updated, and a prompt message is generated based on the identity information with a shorter length, and the prompt message is used to prompt the user to go to the channel corresponding to the identity information with a shorter length to modify the identity information. For example, if the channel corresponding to the identity information with a shorter length is a preset system, the user needs to go to the preset system to modify the identity information; if the channel corresponding to the identity information with a shorter length is an electronic device, the user needs to go to the electronic device to modify the identity information, and then the user can subsequently initiate payment operations, compare the length of the identity information, etc.

[0100] The payment processing method for online transactions provided in the embodiment of the present application obtains a payment request for an online transaction; wherein the payment request includes a transaction store number for the online transaction. The signing record of the initiator is queried in the preset signing table. If it is determined that the signing record of the initiator is included in the signing table, the transaction store number is sent to the preset system; wherein the transaction store number is used to query the first personal information of the initiator who initiated the payment request. The first personal information sent by the preset system is received. The initiator information is obtained, and the second personal information of the initiator is determined based on the initiator information. If it is determined that the first personal information is consistent with the second personal information, the payment processing is performed. If it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is the same as the length of the identity information in the second personal information, the payment is terminated. If it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is different from the length of the identity information in the second personal information, a prompt message is generated based on the identity information with a smaller length; wherein the prompt message is used to prompt the user to go to the channel corresponding to the identity information with a smaller length to modify the identity information. Therefore, by verifying the identity before the payment transaction, the real-name management of prepayment of lottery agents is achieved, so as to improve the accuracy of the payer's identity verification.

[0101] Figure 3 A schematic diagram of a payment processing method for online transactions provided in this application Figure 3 ,like Figure 3As shown, the electronic device takes the banking system as an example, and the preset system takes the welfare lottery system as an example, including: customers pay through the counter channel; customers pay through the mobile banking (online banking) channel; customers pay through the betting machine channel; the banking system sends the customer's welfare lottery logical machine number (i.e., the transaction store number) to the welfare lottery system for inquiry; the welfare lottery system returns the registrant information such as the registrant's name and ID number based on the logical machine number; the banking system verifies the registrant information returned by the welfare lottery system (here is the first personal information) with the personal information (here is the second personal information) queried from the head office interface through the personal customer number and bank card number; if the verification is successful, it means that the payer information (i.e., the second personal information) is consistent with the registrant information of the site (i.e., the first personal information), the payment process is entered, and the transaction is ended; if the verification fails, it means that the payer information (i.e., the second personal information) is inconsistent with the registrant information of the site (i.e., the first personal information), payment is not allowed, and the transaction is ended.

[0102] Furthermore, in the above three channels, the bank system needs to check whether there is a record in the contract table through the customer's logical machine number. If there is a record, the next step is executed. If there is no record, the transaction is terminated. Figure 3 Taking the betting machine channel as an example, the step of querying whether there is a record in the contract table is shown, and the other two steps are not shown.

[0103] For example, under the first counter channel, after the customer initiates a transaction query request from the counter, the customer will be queried whether the customer has signed a contract. If not, no data will be directly returned. If the contract has been signed, the bank system will query the welfare lottery system and return the query result to the counter. After the customer initiates a bank card payment (cash and transitional payments are not verified), the head office interface is used to query the second identity information (name, identity information) corresponding to the bank card, and the welfare lottery system is queried again for the customer's first identity information. If the first identity information and the second identity information are consistent, the subsequent payment is completed, otherwise failure is returned.

[0104] Under the second mobile banking channel, after the customer initiates a transaction query request from the mobile banking, the query will be made to see whether the customer has signed a contract. If not, an error code and information will be directly returned. If the contract has been signed, the bank system will query the welfare lottery system and return the query results. After the customer initiates the payment (cash and transitional payments are not verified), the head office interface is used to query the second identity information (name, identity information) corresponding to the personal customer number, and the welfare lottery system is queried again for the customer's first identity information. If the first identity information and the second identity information are consistent, the subsequent payment is completed, otherwise the failure is returned and the payment center is set to automatically refund.

[0105] Under the third third-party channel, the third-party channel takes the betting machine as an example. After the customer initiates a query transaction request from the betting machine, it will check whether the customer has signed the contract. If not, it will directly return the error code and information. If the contract has been signed, the bank system will query the personal customer number and contract card number, and use the head office interface to query the second identity information (name, identity information) corresponding to the personal customer number, and query the welfare lottery system for the customer's first identity information. If the first identity information and the second identity information are consistent, the subsequent payment will be completed, otherwise the payment service will not be accepted.

[0106] Figure 4 A schematic diagram of the structure of a payment processing device for online transactions provided in this application, such as Figure 4 As shown, the device 30 provided in this embodiment includes:

[0107] The acquisition module 31 is used to acquire a payment request for an online transaction; wherein the payment request includes a transaction store number in the online transaction;

[0108] A determination module 32 is used to determine the first personal information and the second personal information of the initiator of the payment request according to the transaction store number; wherein the first personal information and the second personal information are information obtained from different preset channels respectively;

[0109] The payment module 33 is used to execute payment processing if it is determined that the first personal information is consistent with the second personal information.

[0110] Figure 5 A schematic diagram of the structure of another payment processing device for online transactions provided in an embodiment of the present application, Figure 4 Based on the embodiment shown, Figure 5 As shown, the determination module 32 includes:

[0111] The sending unit 321 is used to send the transaction store number to a preset system; wherein the transaction store number is used to query the first personal information of the initiator who initiates the payment request;

[0112] A receiving unit 322, configured to receive first personal information sent by a preset system;

[0113] The determining unit 323 is used to obtain the initiator information and determine the second personal information of the initiator according to the initiator information.

[0114] In a possible implementation, the sending unit 321 is specifically configured to:

[0115] The transaction store number is encrypted according to a preset first message encryption algorithm to obtain an encrypted transaction store number;

[0116] The encrypted transaction store number is sent to a preset system; so that the preset system receives the encrypted transaction store number, decrypts the encrypted transaction store number, queries to obtain the first personal information corresponding to the decrypted transaction store number, and encrypts the first personal information according to a preset second message encryption algorithm to obtain the encrypted first personal information.

[0117] In a possible implementation, the first personal information and the second personal information both include the name and identity information of the initiator.

[0118] In a possible implementation, the device is further specifically used for:

[0119] If it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is the same as the length of the identity information in the second personal information, the payment is terminated;

[0120] If it is determined that the first personal information is inconsistent with the second personal information and the lengths of the identity information in the first personal information and the identity information in the second personal information are different, a prompt message is generated based on the identity information with a smaller length; wherein the prompt message is used to prompt the user to go to the channel corresponding to the identity information with a smaller length to modify the identity information.

[0121] In a possible implementation, the device is further specifically used for:

[0122] Query the sponsor's contract record in the preset contract table;

[0123] The determination module 32 is specifically used for:

[0124] If it is determined that the contract signing table contains the contract signing record of the initiator, the first personal information and the second personal information of the initiator who initiated the payment request are determined according to the transaction store number.

[0125] The device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be described in detail here.

[0126] Figure 6 This is a schematic diagram of the structure of the electronic device provided in this application. Figure 6 As shown, the electronic device 50 provided in this embodiment includes: at least one processor 501 and a memory 502. Optionally, the device 50 also includes a communication component 503. The processor 501, the memory 502 and the communication component 503 are connected via a bus 504.

[0127] In a specific implementation process, at least one processor 501 executes the computer-executable instructions stored in the memory 502, so that at least one processor 501 executes the above method.

[0128] The specific implementation process of the processor 501 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0129] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0130] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0131] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0132] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0133] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0134] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0135] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0136] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0137] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0138] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0139] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0140] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0141] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A payment processing method for online transactions, characterized in that: include: Obtaining a payment request for an online transaction; wherein the payment request includes a transaction store number for the online transaction; Determine, according to the transaction store number, first personal information and second personal information of the initiator of the payment request; wherein the first personal information and the second personal information are respectively obtained from different preset channels; If it is determined that the first personal information is consistent with the second personal information, payment processing is performed.

2. The method according to claim 1, characterized in that The determining, according to the transaction store number, the first personal information and the second personal information of the initiator of the payment request includes: Sending the transaction store number to a preset system; wherein the transaction store number is used to query the first personal information of the initiator of the payment request; Receiving the first personal information sent by the preset system; The initiator information is obtained, and the second personal information of the initiator is determined according to the initiator information.

3. The method according to claim 2, characterized in that Send the transaction store number to the preset system, including: The transaction store number is encrypted according to a preset first message encryption algorithm to obtain an encrypted transaction store number; The encrypted transaction store number is sent to a preset system; so that the preset system receives the encrypted transaction store number, decrypts the encrypted transaction store number, queries to obtain the first personal information corresponding to the decrypted transaction store number, and encrypts the first personal information according to a preset second message encryption algorithm to obtain the encrypted first personal information.

4. The method according to claim 2, characterized in that: The first personal information and the second personal information both include the name and identity information of the initiator.

5. The method according to claim 4, characterized in that The method further comprises: If it is determined that the first personal information is inconsistent with the second personal information and the length of the identity information in the first personal information is the same as the length of the identity information in the second personal information, then the payment is terminated; If it is determined that the first personal information is inconsistent with the second personal information and the lengths of the identity information in the first personal information and the identity information in the second personal information are different, a prompt message is generated based on the identity information with a smaller length; wherein the prompt message is used to prompt the user to go to the channel corresponding to the identity information with a smaller length to modify the identity information.

6. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: Query the contract signing record of the initiator in the preset contract signing table; The determining, according to the transaction store number, the first personal information and the second personal information of the initiator of the payment request includes: If it is determined that the contract signing table contains the contract signing record of the initiator, the first personal information and the second personal information of the initiator who initiated the payment request are determined according to the transaction store number.

7. A payment processing device for online transactions, characterized in that: include: An acquisition module, used to acquire a payment request for an online transaction; wherein the payment request includes a transaction store number in the online transaction; A determination module, configured to determine first personal information and second personal information of a person who initiates the payment request according to the transaction store number; wherein the first personal information and the second personal information are respectively obtained from different preset channels; The payment module is used to execute payment processing if it is determined that the first personal information is consistent with the second personal information.

8. An electronic device, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 6 when executed by a processor.

10. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

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