Payment service processing method and device

Abstract

The embodiment of the invention provides a payment service processing method and device, and the method comprises the steps: obtaining an opening request of a target payment service submitted by a user, and determining a user type according to the user information carried in the opening request; if the user category is a specific user category, acquiring at least one piece of verification information of the user, and performing verification processing on the user according to the at least one piece of verification information; after the verification processing is passed, performing delay opening processing on the target payment service for the user, and issuing a delay opening page configured with a cancelling interface for cancelling opening of the target payment service; the cancel interface is in a triggering state within the delay opening time limit; and if it is not detected that the cancel interface is triggered when the delayed opening time limit expires, performing activation processing on the target payment service after the delayed opening processing.

Description

[0001] This patent application is a divisional application of the Chinese patent application with application number CN202210583144.9, application date May 26, 2022, and invention name “Payment Service Processing Method and Device”. Technical Field

[0002] This document relates to the field of data processing technology, and in particular to a payment service processing method and device. Background Art

[0003] The continuous innovation of Internet products provides users with more and more Internet services, and users can handle more business through Internet services. However, some specific users are unfamiliar with Internet products, such as elderly users, teenage users, and users with behavioral disorders, which leads to barriers for these specific users to use Internet services. In response to this, how to better manage the use of Internet services by specific user groups has become a focus of Internet companies. Summary of the invention

[0004] One or more embodiments of the present specification provide a payment service processing method, including: obtaining an activation request for a target payment service submitted by a user, and determining a user category based on the user information carried in the activation request. If the user category is a specific user category, obtaining at least one authentication information of the user, and performing authentication processing on the user based on the at least one authentication information. After the authentication processing is passed, the delayed activation processing of the target payment service is performed on the user, and a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service is issued; the cancellation interface is in a triggerable state within the delayed activation period. If the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation processing is activated.

[0005] One or more embodiments of the present specification provide a payment service processing device, including: an activation request acquisition module, configured to obtain an activation request for a target payment service submitted by a user, and determine the user category according to the user information carried in the activation request. If the user category is a specific user category, the identity verification processing module is run, and the identity verification processing module is configured to obtain at least one identity verification information of the user, and perform identity verification processing on the user according to the at least one identity verification information. After the identity verification processing is passed, the delayed activation processing module is run, and the delayed activation processing module is configured to perform delayed activation processing of the target payment service for the user, and issue a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service; the cancellation interface is in a triggerable state within the delayed activation period. If the cancellation interface is not detected to be triggered when the delayed activation period expires, the activation processing module is run, and the activation processing module is configured to activate the target payment service after the delayed activation processing.

[0006] One or more embodiments of the present specification provide a payment service processing device, including: a processor; and a memory configured to store computer executable instructions, wherein the computer executable instructions, when executed, cause the processor to: obtain an activation request for a target payment service submitted by a user, and determine a user category based on the user information carried in the activation request. If the user category is a specific user category, obtain at least one identity verification information of the user, and perform identity verification on the user based on the at least one identity verification information. After the identity verification process is passed, perform delayed activation processing of the target payment service for the user, and issue a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service; the cancellation interface is in a triggerable state within the delayed activation period. If the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation process is activated.

[0007] One or more embodiments of the present specification provide a storage medium for storing computer-executable instructions, which implement the following process when executed by a processor: obtain an activation request for a target payment service submitted by a user, and determine the user category based on the user information carried in the activation request. If the user category is a specific user category, obtain at least one identity verification information of the user, and perform identity verification on the user based on the at least one identity verification information. After the identity verification process is passed, perform delayed activation processing of the target payment service for the user, and issue a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service; the cancellation interface is in a triggerable state within the delayed activation period. If the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation process is activated. BRIEF DESCRIPTION OF THE DRAWINGS

[0008] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor. Figure 1 A processing flow chart of a payment service processing method provided for one or more embodiments of this specification; Figure 2 A processing flow chart of a payment service processing method applied to a password-free payment service scenario provided by one or more embodiments of this specification; Figure 3 A schematic diagram of a payment service processing device provided for one or more embodiments of this specification; Figure 4 A schematic diagram of the structure of a payment service processing device provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0009] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0010] This specification provides a payment service processing method embodiment: Reference Figure 1 The payment service processing method provided in this embodiment specifically includes steps S102 to S108.

[0011] Step S102, obtaining an activation request for a target payment service submitted by a user, and determining a user category according to user information carried in the activation request.

[0012] The payment service processing method provided in this embodiment determines the user category according to the user information submitted by the user in the target payment service during the process of the user applying for activation of the target payment service. When the user category is a specific user category, the user is authenticated with the help of at least one authentication information of the user to confirm the user's identity information. The activation threshold of the target payment service is raised through the authentication. On this basis, the target payment service is delayed for the user, and a cancellation interface for canceling the activation of the target payment service is provided to the user. When the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation is activated. In this way, on the basis of authenticating the user to raise the activation threshold of the target payment service, a cancellation interface for canceling the activation of the target payment service is added. The activation threshold of the target payment service is further raised by setting the cancellation interface, thereby avoiding users from activating the target payment service by mistake, resulting in capital loss, ensuring the payment security of the user, and reducing the negative feedback on the target payment service caused by users activating the target payment service by mistake.

[0013] The users described in this embodiment include specific users. The specific user category refers to the user category to which the specific user belongs. The specific user category includes elderly users, teenage users and behaviorally disordered users. In addition, the specific user category may also include any one or two of the elderly users, teenage users and behaviorally disordered users; wherein the behaviorally disordered users include users who have difficulty operating electronic devices.

[0014] The target payment service can be provided by a payment application. On the basis that the above-mentioned specific user categories include elderly users, teenage users and / or users with behavioral disorders, optionally, the target payment service includes a password-free payment service, and the user submits a request to activate the target payment service by accessing the payment application.

[0015] The user information refers to information related to the user, including but not limited to: user identification, growth age (xx years old), learning experience information, and work experience information.

[0016] In actual applications, there is a high probability that a specific user will mistakenly activate the target payment service. For example, elderly users are not proficient in the use of Internet products, and they are very likely to mistakenly activate the target payment service by face recognition, causing financial loss or even psychological crisis for the elderly users. To address this, when submitting an activation request for the target payment service, the user's user category can be determined based on the user information carried in the activation request, and subsequent activation processing can be carried out based on the user category.

[0017] In an optional implementation manner provided by this embodiment, in the process of determining the user category according to the user information carried in the activation request, the following operations are performed: Querying a user profile of the user according to the user identifier carried in the activation request; The user category is determined based on the user portrait.

[0018] The user identification includes the user's application account in the payment application.

[0019] Specifically, the activation request of the target payment service may carry a user ID, and the user's user portrait may be queried based on the user ID. The user portrait includes the user's growth years, learning experience information, work experience information, etc., thereby determining the user category of the user.

[0020] Step S104: if the user category is a specific user category, obtaining at least one piece of authentication information of the user, and performing authentication processing on the user according to the at least one piece of authentication information.

[0021] The authentication information described in this embodiment includes information required for user identity verification, such as biometric information, signature information, and payment keys; wherein the biometric information includes, but is not limited to: facial information, iris information, fingerprint information, palm print information, and voice print information.

[0022] The above-mentioned step obtains the activation request for the target payment service submitted by the user, and determines the user category based on the user information carried in the activation request. In this step, when the user category is a specific user category, in order to increase the activation threshold for the target payment service for specific users, at least one authentication process is added to authenticate the user based on at least one authentication information of the user.

[0023] In actual applications, in the process of obtaining the user's identity information, the user may encounter many inconveniences. For example, in the process of obtaining the user's biometric information, the user's hand is injured and fingerprint information cannot be collected; for example, the user wears a mask and it is inconvenient to collect facial images. In view of this, in order to improve the flexibility of identity processing and meet various identity processing scenarios, multiple identity information collection methods can be provided for users to improve user experience. The following provides two identity processing methods, and each of these two identity processing methods is specifically described.

[0024] (1) Identity verification based on biometric information In a first optional implementation manner provided by this embodiment, in the process of obtaining at least one identity verification information of a user and performing identity verification processing on the user according to the at least one identity verification information, the following operations are performed: The biometric information of the user is obtained, and the biometric information is compared with the pre-stored biometric information of the user. If the comparison is successful, it is determined that the authentication process is successful. If the comparison is unsuccessful, it is determined that the authentication process is unsuccessful, and a reminder of the failure to activate the target payment service is sent to the user.

[0025] Among them, biometric information includes but is not limited to: facial information, iris information, fingerprint information, palm print information, and voice print information.

[0026] (2) Processing method of identity verification based on signature information In a second optional implementation manner provided by this embodiment, in the process of obtaining at least one authentication information of a user and authenticating the user according to the at least one authentication information, the following operations are performed: Acquire the signature information entered by the user, and match the signature information with the preset signature information. If the matching result is a match, determine that the authentication process is passed; the signature information is entered based on the signature verification guide information; If the matching result is that the match fails, it is determined that the authentication process has failed, and a reminder of the failure to activate the target payment service is sent to the user.

[0027] Among them, the signature information includes the name entered by the user and / or the entered signature guidance information; the preset signature information includes the pre-stored name entered by the user and / or the entered signature guidance information; the signature verification guidance information refers to the guidance information displayed to the user during the signature verification process. For example, the signature verification guidance information is "I have clearly known and agreed to activate", and the signature information can be entered based on "I have clearly known and agreed to activate", that is, the signature information can be "I have clearly known and agreed to activate" entered by the user.

[0028] In addition, in order to avoid deviations in matching results caused by changes in the user's signature information, and to avoid the act of impersonating the user's signature information for authentication, the handwriting features in the signature information can be used for authentication to improve the accuracy of the authentication process. The operation is specifically carried out in the following manner: the signature information entered by the user is obtained, the handwriting features in the signature information are identified, and the handwriting features are compared with the preset handwriting features; the signature information is entered based on the signature verification guide information; if the comparison passes, it is determined that the authentication process has passed.

[0029] In addition, the user's biometric information can also be obtained and compared with the pre-stored biometric information of the user. If the comparison is successful, the signature information entered by the user is obtained, the handwriting features in the signature information are identified, and the handwriting features are compared with the preset handwriting features; the signature information is entered based on the signature verification guide information; if the comparison is successful, it is determined that the authentication process is successful.

[0030] Alternatively, the signature information entered by the user is obtained, the handwriting features in the signature information are identified, and the handwriting features are compared with preset handwriting features; the signature information is entered based on the signature verification guide information; if the comparison is successful, the user's biometric information is obtained, and the biometric information is compared with the pre-stored biometric information of the user; if the comparison is successful, it is determined that the authentication process is successful.

[0031] In the specific implementation process, in order to improve the security of the authentication process, more authentication methods can be introduced during the authentication process. By superimposing multiple authentication methods, the threshold for opening the target payment service is raised to ensure the payment security of the user. In an optional implementation provided by this embodiment, in the process of obtaining at least one authentication information of the user and authenticating the user according to at least one authentication information, the following operations are performed: Acquire a facial image of the user, query a stored facial image of the user, and verify the identity of the user based on the facial image and the stored facial image; If the verification is successful, the voiceprint information entered by the user is obtained, and the user identity of the user is verified based on the voiceprint information; if the verification is unsuccessful, a reminder of the failure to activate the target payment service is sent to the user; the voiceprint information is entered based on the voiceprint verification guidance information; If the verification is passed, the signature information entered by the user is obtained, the handwriting features in the signature information are identified, and the handwriting features are compared with the preset handwriting features. If the verification is not passed, a reminder of the failure to activate the target payment service is sent to the user; the signature information is entered based on the signature verification guide information; If the comparison is successful, it is determined that the authentication process has been successful. If the comparison is unsuccessful, it is determined that the authentication process has not been successful, and a reminder of the failure to activate the target payment service is sent to the user.

[0032] Among them, the retained facial image refers to a pre-stored facial image of the user; the preset handwriting features refer to the pre-stored handwriting features of the user; the voiceprint verification guidance information refers to the guidance information displayed to the user during the voiceprint verification process. For example, the voiceprint verification guidance information is "Precautions for using the target payment service", and the voiceprint information can be entered according to the "Precautions for using the target payment service".

[0033] For example, the signature information entered by the user u is first input into the handwriting feature recognition algorithm for handwriting feature recognition, and the handwriting feature of the signature information is output. Then, the recognized handwriting feature and the preset handwriting feature of the user u are input into the handwriting feature comparison algorithm for feature comparison, i.e., similarity calculation, and the similarity between the recognized handwriting feature and the preset handwriting feature is output. If the similarity is greater than or equal to the similarity threshold, it is determined that the comparison is passed; if the similarity is less than the similarity threshold, it is determined that the comparison fails.

[0034] For another example, the signature information entered by user u and the preset handwriting features of user u are input into the handwriting feature comparison algorithm together, the handwriting features of the signature information entered by user u are first identified, and then the similarity between the identified handwriting features and the preset handwriting features is calculated, and the similarity between the identified handwriting features and the preset handwriting features is output. If the similarity is greater than or equal to the similarity threshold, it is determined that the comparison is passed; if the similarity is less than the similarity threshold, it is determined that the comparison has failed.

[0035] In addition, the user's facial image can also be obtained, and the user's retained facial image can be queried, and the user's identity can be verified based on the facial image and the retained facial image; if the verification is successful, it is determined that the identity verification process has passed; Alternatively, a facial image of the user is obtained, and a stored facial image of the user is searched, and the identity of the user is verified based on the facial image and the stored facial image; if the verification is successful, the voiceprint information entered by the user is obtained, and the user identity of the user is verified based on the voiceprint information; if the verification is successful, it is determined that the authentication process is successful; In addition, under the premise that the authentication information includes the payment key, signature information, face information, iris information, fingerprint information, palm print information and / or voice print information, in the process of obtaining at least one authentication information of the user and authenticating the user according to the at least one authentication information, the user's payment key, signature information, face information, iris information, fingerprint information, palm print information and / or voice print information may also be obtained and compared with the pre-stored payment key, signature information, face information, iris information, fingerprint information, palm print information and / or voice print information of the user. If the comparison is successful, it is determined that the authentication process is successful. In this embodiment, the authentication process may be performed according to the payment key, signature information, face information, iris information, fingerprint information, palm print information and / or voice print information. The user is authenticated by any number of information, fingerprint information, palm print information and voice print information. Specifically, during the authentication process, the order of obtaining any number of payment keys, signature information, face information, iris information, fingerprint information, palm print information and voice print information is not limited in this embodiment, that is, the execution order of authenticating the user according to any number of payment keys, signature information, face information, iris information, fingerprint information, palm print information and voice print information is not specifically specified, for example, payment key verification is performed first, then face information verification is performed, and finally signature verification is performed; for another example, fingerprint information verification is performed first, then signature information verification is performed, which is determined according to the actual application scenario.

[0036] Step S106, after the authentication process is passed, the delayed activation process of the target payment service is performed for the user, and a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service is issued.

[0037] The above-mentioned process obtains at least one authentication information of the user, and authenticates the user based on at least one authentication information to verify the user's identity information. In this step, after the authentication process is passed, the delayed activation of the target payment service is performed on the user, and the delayed activation of the target payment service is performed on the user specifically according to the delayed activation period, and a delayed activation page for configuring a cancellation interface for canceling the activation of the target payment service is issued, wherein the cancellation interface is in a triggerable state within the delayed activation period, that is, the cancellation interface is in an effective state within the delayed activation period, and the user can cancel the activation of the target payment service within the delayed activation period through the cancellation interface.

[0038] The delayed activation period described in this embodiment refers to the duration of delayed activation of the service. For example, if the delayed activation period is xx hours, it means that the target payment service for the user is delayed for xx hours. The user can cancel the activation of the target payment service through the cancellation interface within xx hours.

[0039] The delayed activation processing refers to conditional service activation, where the conditions include activating the service after the time reaches the delayed activation period, and the delayed activation processing includes activating service permissions and freezing service permissions according to the delayed activation period; in addition, the delayed activation processing may also include activating service permissions, delayed marking processing, and freezing service permissions according to the delayed activation period.

[0040] In actual applications, after the user activates the target payment service, he or she may want to close the target payment service due to low demand for the target payment service, or due to erroneous activation of the target payment service, or for other reasons. In view of this, in order to improve the user experience, after the service rights of the target payment service are opened to the user, the service rights of the user are frozen during the delayed activation period by marking the target payment service. In this way, a cooling-off period is set for the user through the delayed activation period, and the user can cancel the activation of the target payment service during the cooling-off period. In an optional implementation manner provided by this embodiment, in the process of delayed activation of the target payment service for the user, the following operations are performed: The service rights of the target payment service are opened to the user, and the opened target payment service is subjected to delayed marking processing; after the delayed marking processing, the service rights of the user for the target payment service are frozen according to the delayed opening period.

[0041] Among them, the delayed marking process refers to marking the delayed opening of the activated target payment service. Various marking methods can be used for delayed marking here, and this embodiment does not make specific limitations.

[0042] After delayed activation of the target payment service is performed for the user, a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service is sent to the user; optionally, the delayed activation page is also configured with timing reminder information; the timing duration contained in the timing reminder information is determined according to the remaining duration of the delayed activation period.

[0043] Among them, the timing duration refers to the current timing number, for example, the timing duration is 36 hours, which means that the current timing number is 36 hours; the timing reminder information includes countdown reminder information or countdown reminder information, for example, the initial timing duration contained in the countdown reminder information is xx hours, the duration of the delayed activation period, and the termination timing duration is 0 hours; for another example, the initial timing duration contained in the countdown reminder information is 0 hours, and the termination timing duration is xx hours, the duration of the delayed activation period.

[0044] If the timing reminder information is a countdown reminder information, the timing duration contained in the timing reminder information is equal to the remaining duration of the delayed activation period; if the timing reminder information is a positive timing reminder information, the timing duration contained in the timing reminder information and the remaining duration of the delayed activation period constitute the delayed activation period.

[0045] For example, the delayed activation period is 36 hours. In the case of a countdown reminder, the initial timing duration is 36 hours, and the current timing duration is 12 hours. In this case, the remaining duration of the delayed activation period is 12 hours, and the timing duration is equal to the remaining duration of the delayed activation period. For another example, the delayed activation period is 36 hours. In the case of a positive timing reminder, the initial timing duration is 0 hours, and the current timing duration is 12 hours. In this case, the remaining duration of the delayed activation period is 24 hours. The timing duration plus the remaining duration of the delayed activation period is the delayed activation period.

[0046] Step S108: If the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation process is activated.

[0047] The above-mentioned delayed activation processing of the target payment service is performed for the user, and a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service is issued. In this step, if the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation processing is activated, that is, the target payment service is fully opened to the user. In this way, the user's true intention to activate the target payment service is determined within the delayed activation period, thereby improving the user experience.

[0048] The activation process includes: canceling the delay mark obtained after the delay marking process, and unfreezing the frozen service authority; or, the activation process includes: unfreezing the frozen service authority.

[0049] Specifically, in the process of activating the target payment service after delayed activation, in an optional implementation mode provided by this embodiment, based on the above-mentioned opening of the service rights of the target payment service to the user, delaying the marking of the activated target payment service, and freezing the service rights of the user, the following operations are performed: Cancel the delay mark obtained after delay marking processing of the activated target payment service; After cancellation, the frozen service rights of the user for the target payment service are unfrozen.

[0050] In actual applications, after the user receives the delayed activation page for configuring the cancellation interface for cancelling the target payment service, the user may trigger the cancellation interface to cancel the target payment service within the delayed activation period. In this case, the delayed activation process can be rolled back, that is, the delayed activation target payment service is rolled back to the service status before the delayed activation, so as to respond to the user's needs in a timely manner.

[0051] In an optional implementation manner provided by this embodiment, after the delayed activation processing of the target payment service is performed for the user and a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service is issued, the following operations are further performed: If it is detected that the cancellation interface is triggered within the delayed activation period, the delayed activation process is rolled back in the target payment service.

[0052] In the above process of rolling back the delayed activation process by the target payment service, in an optional implementation provided by this embodiment, the following operations are performed: Closing the user's service rights for the target payment service, and canceling the delay mark obtained after delay marking processing of the activated target payment service; After the cancellation, the freezing record of freezing the user's service rights for the target payment service is deleted.

[0053] Specifically, in order to avoid occupying data space and affecting service processing efficiency, when the user triggers the cancellation interface within the extended activation period, the user's service rights for the target payment service can be closed, the delayed mark of the delayed marking processing can be canceled, and the freezing record of the user's service rights can be deleted. In this way, invalid data can be cleared in time, data storage space can be cleaned up, and service processing efficiency can be improved.

[0054] In addition, during the process of rolling back the delayed activation processing of the target payment service, the user's service permissions for the target payment service can also be closed, and the freezing record of the user's service permissions for the target payment service can be deleted. After the deletion, the delayed mark obtained after the delayed marking processing of the activated target payment service is cancelled.

[0055] In addition, in addition to the above-mentioned implementation method of rolling back the delayed activation process by the target payment service when it is detected that the cancellation interface is triggered within the delayed activation period, if it is detected that the cancellation interface is triggered within the delayed activation period, the user's service rights for the target payment service may also be directly closed.

[0056] In actual applications, since specific users are not proficient in Internet operations and their cognitive level is lower than that of non-specific users, in order to avoid users from activating the target payment service by mistake, after the target payment service is delayed for the user and the delayed activation page is issued, a delayed activation reminder can be sent to the user's associated users to inform the associated users of the activation of the target payment service, and the associated users can decide whether to cancel the activation of the user's target payment service through the cancellation interface.

[0057] In an optional implementation manner provided by this embodiment, after the delayed activation processing of the target payment service is performed for the user and a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service is issued, the following operations are further performed: Sending a delayed activation reminder to an associated user of the user; the delayed activation reminder is generated according to the delayed activation page; If a cancellation request submitted by the associated user through the cancellation interface in the delayed activation page is detected within the delayed activation period, the user's service authority for the target payment service is closed based on the cancellation request.

[0058] The delayed activation reminder includes a delayed activation reminder for the delayed activation of the user's target payment service. The delayed activation reminder can be a delayed activation link or a delayed activation password. In addition, the delayed activation reminder can also be in other forms; the delayed activation reminder is generated by the delayed activation page, and the delayed activation reminder is in a triggerable state within the delayed activation period. In addition, the reminder period can be reset for the delayed activation reminder. In this case, the delayed activation period is in a triggerable state within the reminder period. The associated users include but are not limited to: family, friends, and colleagues.

[0059] Specifically, after receiving the delayed activation reminder, the associated user can display the delayed activation page by triggering the delayed activation reminder. A cancellation interface for canceling the activation of the target payment service is provided in the delayed activation page. If a cancellation request submitted by the associated user through the cancellation interface in the delayed activation page is detected within the delayed activation period, it means that the associated user has canceled the activation of the target payment service for the user. In this case, the user's service rights for the target payment service are closed.

[0060] In addition, if a cancellation request submitted by an associated user through the cancellation interface in the delayed activation page is detected within the delayed activation period, the delayed activation process may also be rolled back in the target payment service based on the cancellation request; the rollback process includes: closing the service authority, deleting the freezing record of the frozen service authority, or the rollback process includes: closing the service authority, canceling the delayed mark obtained after the delayed marking process, and deleting the freezing record of the frozen service authority; In the specific process of rolling back the delayed activation processing of the target payment service, the following operations are performed: close the user's service permissions for the target payment service, and cancel the delayed mark obtained after the delayed marking processing of the activated target payment service; after cancellation, delete the freezing record of the user's service permissions for the target payment service.

[0061] Based on the above-mentioned closure of the user's service rights for the target payment service based on the cancellation request, in order to enhance the user's perception and increase the user's understanding of the operation process of the associated user, the cancellation record of the associated user's cancellation of the target payment service may be sent to the user in the form of a cancellation reminder.

[0062] In an optional implementation manner provided by this embodiment, after closing the service authority of the user for the target payment service based on the cancellation request, the following operations are further performed: Generate a cancellation record of the associated user canceling activation of the target payment service of the user; A cancellation reminder is generated according to the cancellation record and sent to the user.

[0063] In addition, in order to further increase the user's awareness, after the associated user submits a cancellation request, the user's confirmation instruction can also be obtained, and a delayed activation reminder is sent to the user's associated users; the delayed activation reminder is generated based on the delayed activation page; if a cancellation request submitted by the associated user through the cancellation interface in the delayed activation page is detected within the delayed activation period, the user's confirmation instruction for the cancellation request is obtained, and the user's service rights for the target payment service are closed based on the confirmation instruction, or the delayed activation process is rolled back on the target payment service based on the confirmation instruction.

[0064] The following uses the application of a payment service processing method provided by this embodiment in a password-free payment service scenario as an example to further illustrate the payment service processing method provided by this embodiment. Figure 2 , a payment service processing method applied to a password-free payment service scenario specifically includes the following steps.

[0065] Step S202, obtaining an activation request for a password-free payment service submitted by a user, and determining a user category according to user information carried in the activation request.

[0066] Step S204: if the user category is a specific user category, the user's facial image is obtained, and the user's stored facial image is searched, and the user's identity is verified based on the facial image and the stored facial image.

[0067] Step S206: If the verification is successful, the voiceprint information input by the user is obtained, and the user identity is verified based on the voiceprint information.

[0068] Among them, the voiceprint information is input based on the voiceprint verification guidance information.

[0069] Step S208, if the verification is passed, the signature information input by the user is obtained, the handwriting features in the signature information are identified, and the handwriting features are compared with the preset handwriting features. If the comparison is passed, it is determined that the authentication process is passed.

[0070] Among them, the signature information is input based on the signature verification guide information.

[0071] Step S210, after the authentication process is passed, the service rights of the password-free payment service are opened to the user, and the opened password-free payment service is subjected to delayed marking processing.

[0072] Step S212: After the delayed marking process, the user's service rights for the password-free payment service are frozen according to the delayed activation period.

[0073] Step S214, after freezing the service authority, a delayed activation page configured with a cancellation interface for cancelling activation of the password-free payment service is sent to the user.

[0074] Step S216: If the cancellation interface is not detected to be triggered when the delayed activation period expires, the delayed mark obtained after the delayed marking process for the activated password-free payment service is canceled.

[0075] Step S218: After cancellation, the frozen user's service rights for the password-free payment service are unfrozen.

[0076] Step S220: If the cancellation interface is detected to be triggered within the delayed activation period, the user's service authority for the password-free payment service is closed, and the delay mark obtained after the delayed marking processing of the activated password-free payment service is cancelled.

[0077] Step S222: after cancellation, delete the freezing record of the user's service authority for the password-free payment service.

[0078] In summary, the payment service processing method provided in this embodiment first obtains an activation request for a target payment service submitted by a user, and determines a user category according to user information carried in the activation request; Secondly, if the user category is a specific user category, the user's biometric information is obtained, and the biometric information is compared with the pre-stored biometric information of the user. If the comparison is successful, it is determined that the authentication process is successful, or the signature information input by the user is obtained, and the signature information is matched with the pre-stored signature information input by the user. If the matching result is a match, it is determined that the authentication process is successful, so as to confirm the user's identity information and raise the threshold for opening the target payment service through identity verification; Thirdly, after the authentication process is passed, the service rights of the target payment service are opened to the user, and the opened target payment service is marked with a delayed mark. After the delayed marking process, the user's service rights for the target payment service are frozen according to the delayed opening period, and a delayed opening page configured with a cancellation interface for canceling the opening of the target payment service is sent to the user; Finally, if the cancellation interface is not detected to be triggered when the delayed activation period expires, the delayed mark obtained after the delayed marking process is performed on the activated target payment service, and after the cancellation, the frozen user's service rights for the password-free payment service are unfrozen; if the cancellation interface is detected to be triggered within the delayed activation period, the user's service rights for the target payment service are closed, and the delayed mark obtained after the delayed marking process is performed on the activated target payment service is canceled. After the cancellation, the freezing record of the frozen user's service rights for the target payment service is deleted; In this way, on the basis of authenticating users to raise the threshold for activating the target payment service, a cancellation interface for canceling the activation of the target payment service is added. By setting up the cancellation interface, the threshold for activating the target payment service is further raised, thereby preventing users from mistakenly activating the target payment service and causing capital loss, ensuring the user's payment security, and at the same time reducing the negative feedback on the target payment service caused by users mistakenly activating the target payment service.

[0079] An embodiment of a payment service processing device provided in this specification is as follows: In the above-mentioned embodiment, a payment service processing method is provided, and correspondingly, a payment service processing device is also provided, which is described below with reference to the accompanying drawings.

[0080] Reference Figure 3 , which shows a schematic diagram of a payment service processing device provided in this embodiment.

[0081] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0082] This embodiment provides a payment service processing device, including: The activation request acquisition module 302 is configured to acquire an activation request for a target payment service submitted by a user, and determine a user category according to user information carried in the activation request; If the user category is a specific user category, the authentication processing module 304 is run, and the authentication processing module 304 is configured to obtain at least one authentication information of the user and perform authentication processing on the user according to the at least one authentication information; After the authentication process is passed, the delayed activation processing module 306 is run, and the delayed activation processing module 306 is configured to perform delayed activation processing of the target payment service for the user, and issue a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service; the cancellation interface is in a triggerable state within the delayed activation period; If the cancellation interface is not detected to be triggered when the delayed activation period expires, the activation processing module 308 is run, and the activation processing module 308 is configured to activate the target payment service after the delayed activation process.

[0083] An embodiment of a payment service processing device provided in this specification is as follows: Corresponding to the payment service processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a payment service processing device, which is used to execute the payment service processing method provided above. Figure 4 A schematic diagram of the structure of a payment service processing device provided for one or more embodiments of this specification.

[0084] This embodiment provides a payment service processing device, including: like Figure 4 As shown, the payment service processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 401 and memory 402, and the memory 402 may store one or more storage applications or data. Among them, the memory 402 may be a short-term storage or a persistent storage. The application stored in the memory 402 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the payment service processing device. Furthermore, the processor 401 may be configured to communicate with the memory 402 to execute a series of computer executable instructions in the memory 402 on the payment service processing device. The payment service processing device may also include one or more power supplies 403, one or more wired or wireless network interfaces 404, one or more input / output interfaces 405, one or more keyboards 406, etc.

[0085] In a specific embodiment, the payment service processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions for the payment service processing device, and the one or more programs configured to be executed by one or more processors include computer executable instructions for performing the following: Obtaining an activation request for a target payment service submitted by a user, and determining a user category based on user information carried in the activation request; If the user category is a specific user category, obtaining at least one piece of authentication information of the user, and performing authentication processing on the user according to the at least one piece of authentication information; After the identity verification process is passed, the delayed activation process of the target payment service is performed for the user, and a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service is issued; the cancellation interface is in a triggerable state within the delayed activation period; If the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation process is activated.

[0086] An embodiment of a storage medium provided in this specification is as follows: Corresponding to the payment service processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0087] The storage medium provided in this embodiment is used to store computer executable instructions, and the computer executable instructions implement the following process when executed by a processor: Obtaining an activation request for a target payment service submitted by a user, and determining a user category based on user information carried in the activation request; If the user category is a specific user category, obtaining at least one piece of authentication information of the user, and performing authentication processing on the user according to the at least one piece of authentication information; After the identity verification process is passed, the delayed activation process of the target payment service is performed for the user, and a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service is issued; the cancellation interface is in a triggerable state within the delayed activation period; If the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation process is activated.

[0088] It should be noted that the embodiment of the storage medium in this specification and the embodiment of the payment service processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0089] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0090] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many of today's method flow improvements can be regarded as direct improvements to hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0091] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0092] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0093] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0094] It should be understood by those skilled in the art that one or more embodiments of the present specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of the present specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0095] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0096] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0097] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0098] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0099] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0100] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined in this article, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0101] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0102] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0103] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0104] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A payment service processing method, comprising: Determine the user category based on the user information submitted by the user in the target payment service; If the user category is a specific user category, performing authentication processing on the user according to at least one authentication information of the user; After the authentication process is passed, the delayed activation process of the target payment service is performed for the user, and a cancellation interface for canceling the activation of the target payment service is provided; If it is detected that the cancellation interface is triggered within the delayed activation period, the delayed activation process is rolled back.

2. The payment service processing method according to claim 1, wherein the delayed activation processing of the target payment service for the user comprises: Opening the service rights of the target payment service to the user, and performing delayed marking processing on the opened target payment service; After the delayed marking process, the user's service rights for the target payment service are frozen according to the delayed activation period.

3. The payment service processing method according to claim 1, further comprising: If the cancellation interface is not detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation process is activated.

4. The payment service processing method according to claim 3, wherein the activation process of the target payment service after the delayed activation process comprises: Cancel the delay mark obtained after the delayed marking process is performed on the activated target payment service; After cancellation, the frozen service rights of the user for the target payment service are unfrozen.

5. The payment service processing method according to claim 1, wherein the rolling back of the delayed activation process comprises: Closing the user's service rights for the target payment service, and canceling the delay mark obtained after delay marking processing of the activated target payment service; After the cancellation, the freezing record of freezing the user's service rights for the target payment service is deleted.

6. The payment service processing method according to claim 1, wherein the authentication of the user according to at least one authentication information of the user comprises: Acquire the biometric information of the user, and compare the biometric information with the pre-stored biometric information of the user, and if the comparison is successful, determine that the authentication process is successful; or, The signature information entered by the user is obtained, and the signature information is matched with the preset signature information. If the matching result is a successful match, it is determined that the authentication process is successful; the signature information is entered based on the signature verification guide information.

7. The payment service processing method according to claim 1, wherein the authentication of the user according to at least one authentication information of the user comprises: Acquire a facial image of the user, query a stored facial image of the user, and verify the identity of the user based on the facial image and the stored facial image; If the verification is successful, the voiceprint information entered by the user is obtained, and the user identity of the user is verified based on the voiceprint information; The voiceprint information is input based on the voiceprint verification guidance information; If the verification is passed, the signature information entered by the user is obtained, the handwriting features in the signature information are identified, and the handwriting features are compared with the preset handwriting features; the signature information is entered based on the signature verification guide information; If the comparison is successful, the authentication process is confirmed to be successful.

8. The payment service processing method according to claim 1, wherein the user information is carried in the activation request of the target payment service submitted by the user; The user submits an activation request for the target payment service by accessing a payment application; the target payment service includes a password-free payment service; The specific user categories include elderly users, teenage users and / or behaviorally disabled users.

9. The payment service processing method according to claim 1, wherein the cancellation interface is configured on the delayed activation page; The delayed activation page is also configured with timing reminder information; the timing duration contained in the timing reminder information is determined according to the remaining duration of the delayed activation period.

10. The payment service processing method according to claim 1, after the authentication process is passed, the delayed activation process of the target payment service is performed for the user, and a cancellation interface for canceling the activation of the target payment service is provided, and the method further comprises: Sending a delayed activation reminder to the associated users of the user; The delayed activation reminder is generated according to the delayed activation page; If a cancellation request submitted by the associated user through the cancellation interface in the delayed activation page is detected within the delayed activation period, the user's service authority for the target payment service is closed based on the cancellation request.

11. The payment service processing method according to claim 10, after the operation of closing the user's service authority for the target payment service based on the cancellation request is executed, further comprising: Generate a cancellation record of the associated user canceling activation of the target payment service of the user; A cancellation reminder is generated according to the cancellation record and sent to the user.

12. The payment service processing method according to claim 1, wherein determining the user category according to the user information submitted by the user in the target payment service comprises: Querying a user profile of the user according to the user identifier; The user category is determined based on the user portrait.

13. A payment service processing device, comprising: An activation request acquisition module, configured to determine a user category based on user information submitted by the user in the target payment service; If the user category is a specific user category, running an identity verification module, wherein the identity verification module is configured to perform identity verification on the user according to at least one identity verification information of the user; After the authentication process is passed, a delayed activation processing module is run, wherein the delayed activation processing module is configured to perform delayed activation processing of the target payment service for the user and provide a cancellation interface for canceling the activation of the target payment service; If it is detected that the cancellation interface is triggered within the delayed activation period, an activation processing module is run, and the activation processing module is configured to roll back the delayed activation process.

14. A payment service processing device comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Determine the user category based on the user information submitted by the user in the target payment service; If the user category is a specific user category, performing authentication processing on the user according to at least one authentication information of the user; After the authentication process is passed, the delayed activation process of the target payment service is performed for the user, and a cancellation interface for canceling the activation of the target payment service is provided; If it is detected that the cancellation interface is triggered within the delayed activation period, the delayed activation process is rolled back.

15. A storage medium for storing computer executable instructions, wherein the computer executable instructions, when executed by a processor, implement the following process: Determine the user category based on the user information submitted by the user in the target payment service; If the user category is a specific user category, performing authentication processing on the user according to at least one authentication information of the user; After the authentication process is passed, the delayed activation process of the target payment service is performed for the user, and a cancellation interface for canceling the activation of the target payment service is provided; If it is detected that the cancellation interface is triggered within the delayed activation period, the delayed activation process is rolled back.

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