Payment service processing method and apparatus

Abstract

Embodiments of the present specification provide a payment service processing method and device, wherein a payment service processing method comprises: obtaining a user-submitted opening request of a target payment service, and determining a user category according to user information carried in the opening request; if the user category is a specific user category, obtaining at least one identity verification information of the user, and performing identity verification processing on the user according to the at least one identity verification information; after the identity verification processing passes, performing a delayed opening processing of the target payment service for the user, and issuing a delayed opening page configured with a cancellation interface for canceling the opening of the target payment service; the cancellation interface is in a triggerable state within a delayed opening period; if the cancellation interface is not detected to be triggered when the delayed opening period expires, performing an activation processing on the target payment service after the delayed opening processing.

Description

[0001] This patent application is a divisional application of Chinese patent application No. CN202210583144.9, filed on May 26, 2022, entitled "Payment Service Processing Method and Apparatus". Technical Field

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

[0003] The continuous innovation of internet products provides users with more and more internet services, allowing them to conduct more business through these services. However, some specific users, such as the elderly, teenagers, and those with behavioral disorders, are unfamiliar with internet products, leading to barriers to their use of these services. Therefore, how to better manage the use of internet services by specific user groups has become a key focus for internet companies. Summary of the Invention

[0004] This specification provides one or more embodiments of a payment service processing method, including: obtaining a user's request to activate a target payment service, and determining a user category based on user information carried in the activation request. If the user category is a specific user category, then obtaining at least one identity verification information of the user, and performing identity verification processing on the user based on the at least one identity verification information. After successful identity verification, a delayed activation process is performed on the user for the target payment service, and a delayed activation page configured with a cancellation interface for cancelling the activation of the target payment service is sent; the cancellation interface is in a triggerable state during the delayed activation period. If the cancellation interface is not detected to be triggered when the delayed activation period expires, then the target payment service after the delayed activation process is activated.

[0005] This specification provides one or more embodiments of a payment service processing apparatus, including: an activation request acquisition module configured to acquire an activation request for a target payment service submitted by a user, and determine a user category based on user information carried in the activation request. If the user category is a specific user category, an identity verification module is run, configured to acquire at least one identity verification information of the user, and perform identity verification processing on the user based on the at least one identity verification information. After successful identity verification, a delayed activation processing module is run, configured to perform delayed activation processing on the target payment service for the user, and issue a delayed activation page configured with a cancellation interface for cancelling the activation of the target payment service; the cancellation interface is in a triggerable state during the delayed activation period. If the cancellation interface is not detected to be triggered when the delayed activation period expires, an activation processing module is run, configured to activate the target payment service after the delayed activation processing.

[0006] This specification provides one or more embodiments of a payment service processing device, including: a processor; and a memory configured to store computer-executable instructions, which, when executed, cause the processor to: obtain a user-submitted activation request for a target payment service, and determine a user category based on user information carried in the activation request. If the user category is a specific user category, then obtain at least one identity verification information of the user, and perform identity verification processing on the user based on the at least one identity verification information. After successful identity verification, perform a delayed activation process for the user of the target payment service, and send a delayed activation page configured with a cancellation interface for cancelling the activation of the target payment service; the cancellation interface is in a triggerable state during the delayed activation period. If the cancellation interface is not detected to be triggered when the delayed activation period expires, then activate the target payment service after the delayed activation process.

[0007] This specification provides one or more embodiments of a storage medium for storing computer-executable instructions that, when executed by a processor, implement the following process: obtaining a user-submitted activation request for a target payment service, 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 identity verification piece for the user, and performing identity verification processing on the user based on the at least one identity verification piece. After successful identity verification, performing a delayed activation process for the user of the target payment service, and issuing a delayed activation page configured with a cancellation interface for cancelling the activation of the target payment service; the cancellation interface remains triggerable during 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. Attached Figure Description

[0008] To more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0009] Figure 1 A flowchart illustrating a payment service processing method provided in one or more embodiments of this specification;

[0010] Figure 2 A flowchart illustrating a payment service processing method applied to a password-free payment service scenario, provided for one or more embodiments of this specification;

[0011] Figure 3 A schematic diagram of a payment service processing device provided for one or more embodiments of this specification;

[0012] Figure 4 This is a schematic diagram of the structure of a payment service processing device provided for one or more embodiments of this specification. Detailed Implementation

[0013] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the protection scope of this document.

[0014] This specification provides an example of a payment service processing method:

[0015] Reference Figure 1 The payment service processing method provided in this embodiment specifically includes steps S102 to S108.

[0016] Step S102: Obtain the user's request to activate the target payment service, and determine the user category based on the user information carried in the activation request.

[0017] The payment service processing method provided in this embodiment determines the user category based on the user information submitted by the user during the user's application to activate the target payment service. If the user category is a specific user category, the user is verified using at least one identity verification document to confirm the user's identity. This identity verification process raises the activation threshold for the target payment service. Furthermore, the activation of the target payment service is delayed for the user, and a cancellation interface is provided to cancel the activation. If the cancellation interface is not triggered by the expiration of the delayed activation period, the delayed target payment service is activated. Thus, in addition to raising the activation threshold through user identity verification, a cancellation interface is added to further raise the activation threshold, thereby preventing users from mistakenly activating the target payment service and causing fund loss, ensuring user payment security, and reducing negative feedback on the target payment service caused by accidental activation.

[0018] The users mentioned 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, adolescent users, and users with behavioral disorders. In addition, the specific user category may also include any one or two of the three: elderly users, adolescent users, and users with behavioral disorders. Among them, users with behavioral disorders include users who have difficulty operating electronic devices.

[0019] The target payment service may be provided by a payment application. Optionally, based on the above-mentioned specific user categories including elderly users, teenage users and / or users with behavioral disorders, the target payment service may include a password-free payment service, in which the user submits an activation request for the target payment service by accessing the payment application.

[0020] The user information refers to information related to the user, including but not limited to: user identifier, years of growth (xx years old), education experience information, and work experience information.

[0021] In practical applications, there is a high probability that certain users may accidentally activate the target payment service. For example, elderly users may not be proficient in using internet products and are very likely to accidentally activate the target payment service through facial recognition, resulting in financial losses or even psychological distress for them. To address this, when a user submits an activation request for the target payment service, the user category can be determined based on the user information carried in the activation request, and the subsequent activation process can be carried out based on the user category.

[0022] In one optional implementation of this embodiment, the following operations are performed during the process of determining the user category based on the user information carried in the activation request:

[0023] Query the user's user profile based on the user identifier carried in the activation request;

[0024] The user category is determined based on the user profile.

[0025] The user identifier includes the user's application account in the payment application.

[0026] Specifically, the activation request for the target payment service can include a user identifier. Based on the user identifier, the user profile can be queried. The user profile includes the user's years of growth, education experience, work experience, etc., which can determine the user's user category.

[0027] Step S104: If the user category is a specific user category, then obtain at least one identity verification information of the user, and perform identity verification processing on the user based on the at least one identity verification information.

[0028] The identity verification information described in this embodiment includes information required for user identity verification, such as biometric information, signature information, and payment keys; wherein, biometric information includes, but is not limited to: facial information, iris information, fingerprint information, palm print information, and voiceprint information.

[0029] The above-mentioned steps involve obtaining the user's request to activate the target payment service and determining the user category based on the user information carried in the activation request. In this step, if the user category is a specific user category, in order to raise the threshold for activation of the target payment service for specific users, at least one identity verification process is added to verify the user's identity based on at least one identity verification information.

[0030] In practical applications, users may encounter various inconveniences when acquiring their identity verification information. For example, if a user's hand is injured, fingerprint information cannot be collected; or if a user is wearing a mask, facial images cannot be collected. To address these issues and improve the flexibility of identity verification processing to meet diverse scenarios, multiple identity verification information collection methods can be provided to enhance the user experience. Two identity verification methods are described below, with detailed explanations provided for each.

[0031] (1) Processing method based on biometric information for nucleosome processing

[0032] In the first optional implementation provided in this embodiment, during the process of obtaining at least one user authentication information and performing user authentication processing based on at least one authentication information, the following operations are performed:

[0033] The system obtains the user's biometric information and compares it with pre-stored biometric information. If the comparison is successful, the identity verification process is considered successful; if the comparison fails, the identity verification process is considered unsuccessful, and a notification of failure to activate the target payment service is sent to the user.

[0034] Biometric information includes, but is not limited to: facial information, iris information, fingerprint information, palm print information, and voiceprint information.

[0035] (2) Processing method for identity verification based on signature information

[0036] In the second optional implementation provided in this embodiment, during the process of obtaining at least one user authentication information and performing user authentication processing based on at least one user authentication information, the following operations are performed:

[0037] The signature information entered by the user is obtained and matched with preset signature information. If the matching result is successful, the identity verification process is confirmed to be successful. The signature information is entered based on the signature verification guidance information.

[0038] If the matching result is that the match failed, it is determined that the identity verification process failed, and a notification of failure to activate the target payment service is sent to the user.

[0039] The signature information includes the user-entered name and / or the entered signature guidance information; the preset signature information includes the user-entered name and / or the entered signature guidance information that is stored in advance; 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 understood and agreed to activate", and the signature information can be entered based on "I have clearly understood and agreed to activate", that is, the signature information can be the user-entered "I have clearly understood and agreed to activate".

[0040] Furthermore, to prevent changes in user signature information from causing deviations in the matching process, and to prevent impersonation of the user's signature information for identity verification, identity verification can be performed using handwriting features in the signature information to improve the accuracy of the verification process. Specifically, this is done as follows: obtain the user's entered signature information, identify the handwriting features in the signature information, and compare the handwriting features with preset handwriting features; the signature information is entered based on signature verification guidance information; if the comparison passes, the identity verification process is confirmed to be successful.

[0041] In addition, the system can obtain the user's biometric information and compare it with the user's pre-stored biometric information. If the comparison is successful, the system can obtain the user's entered signature information, identify the handwriting features in the signature information, and compare the handwriting features with preset handwriting features. The signature information is entered based on signature verification guidance information. If the comparison is successful, the identity verification process is confirmed to be successful.

[0042] Alternatively, the system can obtain the signature information entered by the user, identify the handwriting features in the signature information, and compare the handwriting features with preset handwriting features; the signature information is entered based on signature verification guidance information; if the comparison is successful, the system can obtain the user's biometric information and compare the biometric information with the user's pre-stored biometric information; if the comparison is successful, the system can determine that the identity verification process is successful.

[0043] In the specific implementation process, to enhance the security of identity verification, more identity verification methods can be introduced. By combining multiple identity verification methods, the opening threshold for the target payment service is raised, thus ensuring user payment security. In one optional implementation of this embodiment, during the process of obtaining at least one user's identity verification information and performing identity verification based on that information, the following operations are performed:

[0044] Obtain the user's facial image and query the user's saved facial image; verify the user's identity based on the facial image and the saved facial image.

[0045] If the verification is successful, the user's voiceprint information is obtained, and the user's identity is verified based on the voiceprint information; if the verification fails, a notification of failure to activate the target payment service is sent to the user; the voiceprint information is entered based on the voiceprint verification guidance information.

[0046] If the verification passes, 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. If the verification fails, a notification of failure to activate the target payment service is sent to the user. The signature information is entered based on the signature verification guidance information.

[0047] If the comparison passes, the identity verification process is considered successful; if the comparison fails, the identity verification process is considered unsuccessful, and a notification of failure to activate the target payment service is sent to the user.

[0048] The stored facial image refers to the user's pre-stored facial image; the preset handwriting features refer to the user's pre-stored handwriting features; and the voiceprint verification guidance information refers to the guidance information displayed to the user during the voiceprint verification process, such as "Precautions for using the target payment service," and the voiceprint information can be entered based on "Precautions for using the target payment service."

[0049] For example, the signature information entered by user u is first input into a handwriting feature recognition algorithm for handwriting feature recognition, and the handwriting features of the signature information are output. Then, the recognized handwriting features and user u's preset handwriting features are input into a handwriting feature comparison algorithm for feature comparison, i.e., similarity calculation, and the similarity between the recognized handwriting features and the preset handwriting features is output. If the similarity is greater than or equal to the similarity threshold, the comparison is determined to be successful; if the similarity is less than the similarity threshold, the comparison is determined to be unsuccessful.

[0050] For example, the signature information entered by user u and the preset handwriting features of user u are input into the handwriting feature comparison algorithm. First, the handwriting features of the signature information entered by user u are identified. 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, the comparison is determined to be successful; if the similarity is less than the similarity threshold, the comparison is determined to be unsuccessful.

[0051] In addition, the system can also obtain the user's facial image and query the user's stored facial image, and verify the user's identity based on the facial image and the stored facial image; if the verification is successful, the identity verification process is considered successful.

[0052] Alternatively, obtain the user's facial image and query the user's stored facial image, and verify the user's identity based on the facial image and the stored facial image; if the verification is successful, obtain the user's voiceprint information and verify the user's identity based on the voiceprint information; if the verification is successful, the identity verification process is confirmed to be successful.

[0053] Furthermore, given that the identity verification information includes payment key, signature information, facial information, iris information, fingerprint information, palm print information, and / or voiceprint information, during the process of obtaining at least one piece of user identity verification information and performing identity verification based on at least one piece of user identity verification information, the user's payment key, signature information, facial information, iris information, fingerprint information, palm print information, and / or voiceprint information can also be obtained and compared with the user's pre-stored payment key, signature information, facial information, iris information, fingerprint information, palm print information, and / or voiceprint information. If the comparison is successful, the identity verification process is considered successful. This embodiment can use payment key, signature information, facial information, iris information, and voiceprint information as the basis for identity verification. The user is verified using any number of the following information: payment key, signature information, facial information, iris information, fingerprint information, palm print information, and voiceprint information. Specifically, the order in which the payment key, signature information, facial information, iris information, fingerprint information, palm print information, and voiceprint information are obtained during the verification process is not limited in this embodiment. That is, the execution order of verifying the user based on any number of these information is not specifically prescribed. For example, payment key verification can be performed first, followed by facial information verification, and finally signature verification; or fingerprint information verification can be performed first, followed by signature information verification. The specific order is determined based on the actual application scenario.

[0054] Step S106: After the identity verification process is passed, the user is given a delayed activation of the target payment service, and a delayed activation page with a cancellation interface configured to cancel the activation of the target payment service is sent.

[0055] The above-mentioned steps involve obtaining at least one user verification information and performing verification processing on the user based on at least one verification information to verify the user's identity information. In this step, after the verification processing is successful, the user is subject to a delayed activation of the target payment service. Specifically, the user is subject to a delayed activation of the target payment service according to the delayed activation period, and a page for configuring the cancellation interface for cancelling the activation of the target payment service is issued. The cancellation interface is in a triggerable state during the delayed activation period, that is, the cancellation interface is in an effective state during the delayed activation period, and the user can cancel the activation of the target payment service through the cancellation interface during the delayed activation period.

[0056] The delayed activation period mentioned in this embodiment refers to the duration of the 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 will be delayed for xx hours. The user can cancel the activation of the target payment service through the cancellation interface within xx hours.

[0057] The delayed activation process refers to conditionally activating the service. The conditions include activating the service after the extended activation period has elapsed. The delayed activation process includes activating service permissions and freezing service permissions according to the extended activation period. In addition, the delayed activation process may also include activating service permissions, delay tagging, and freezing service permissions according to the extended activation period.

[0058] In practical applications, after activating the target payment service, users may want to deactivate it due to low demand, accidental activation, or other reasons. To address this and improve user experience, after activating the target payment service, the user's access is frozen for a delayed activation period by tagging the service. This delayed activation period serves as a cooling-off period, during which the user can cancel the activation. In one optional implementation of this embodiment, the following operations are performed during the delayed activation process of the target payment service for the user:

[0059] The service permission for the target payment service is activated to the user, and the activated target payment service is tagged with a delay. After the delay tagging, the user's service permission for the target payment service is frozen according to the delayed activation period.

[0060] The aforementioned delayed tagging process refers to marking the delayed activation of the target payment service. Various tagging methods can be used for delayed tagging, and this embodiment does not impose any specific limitations.

[0061] After delaying the activation of the target payment service for the user, a delayed activation page 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 timed reminder information; the timed duration included in the timed reminder information is determined based on the remaining duration of the delayed activation period.

[0062] The timing duration refers to the current countdown timer, such as a timing duration of 36 hours, which means the current countdown timer is 36 hours. The timing reminder information includes countdown reminder information or countdown reminder information. For example, the countdown reminder information includes an initial timing duration of xx hours, a delayed activation period duration of xx hours, and an end timing duration of 0 hours. Similarly, the countdown reminder information includes an initial timing duration of 0 hours and an end timing duration of xx hours, which is the delayed activation period duration.

[0063] If the timer reminder is a countdown reminder, the timer duration contained in the timer reminder is equal to the remaining duration of the delayed activation period; if the timer reminder is a positive countdown reminder, the timer duration contained in the timer reminder and the remaining duration of the delayed activation period constitute the delayed activation period.

[0064] For example, if the delayed activation period is 36 hours, and with a countdown reminder, the initial countdown duration is 36 hours, and the current countdown duration is 12 hours, then the remaining time of the delayed activation period is 12 hours, and the countdown duration equals the remaining time of the delayed activation period. As another example, if the delayed activation period is 36 hours, and with a positive countdown reminder, the initial countdown duration is 0 hours, and the current countdown duration is 12 hours, then the remaining time of the delayed activation period is 24 hours. The countdown duration plus the remaining time of the delayed activation period equals the delayed activation period.

[0065] Step S108: If the cancellation interface is not triggered when the delayed activation period expires, the target payment service after the delayed activation process is activated.

[0066] The above-mentioned delayed activation of the target payment service for users, and the issuance of a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service, in this step, if no cancellation interface is detected to be triggered when the delayed activation period expires, the target payment service after the delayed activation is activated, that is, the target payment service is fully activated for the user. In this way, the user's true intention to activate the target payment service within the delayed activation period is determined, thereby improving the user experience.

[0067] The activation process includes: canceling the delay mark obtained after the delay tagging process and unfreezing the frozen service permissions; or, the activation process includes: unfreezing the frozen service permissions.

[0068] Specifically, in the process of activating the target payment service after the delayed activation process, in one optional implementation of this embodiment, based on the above-mentioned activation of the target payment service permission to the user, the delayed tagging of the activated target payment service, and the freezing of the user's service permission, the following operations are performed:

[0069] Cancel the delay tag obtained after delay tagging the activated target payment service;

[0070] After cancellation, the frozen service permissions of the user for the target payment service will be unfrozen.

[0071] In practical applications, after a user receives the delayed activation page for the cancellation interface of the target payment service, the user may trigger the cancellation interface to cancel the activation of 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 of the target payment service can be rolled back to the service state before the delayed activation, so as to respond to the user's needs in a timely manner.

[0072] In one optional implementation of this embodiment, after performing delayed activation of the target payment service for the user and sending a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service, the following operations are also performed:

[0073] If the cancellation interface is detected to be triggered within the delayed activation period, the delayed activation process is rolled back in the target payment service.

[0074] In the aforementioned process of rolling back the delayed activation process of the target payment service, one optional implementation of this embodiment performs the following operations:

[0075] The user's service permissions for the target payment service are closed, and the delay tag obtained after delay tagging of the activated target payment service is canceled.

[0076] After cancellation, the freeze record that froze the user's service permissions for the target payment service will be deleted.

[0077] Specifically, to avoid occupying data space and affecting service processing efficiency, if a user triggers the cancellation interface within the extended activation period, the user's service permissions for the target payment service can be closed, the delay tagging processing delay mark can be canceled, and the freeze record of the frozen user's service permissions can be deleted. In this way, invalid data can be cleared in a timely manner, data storage space can be cleaned up, and service processing efficiency can be improved.

[0078] In addition, during the rollback process of the delayed activation of the target payment service, the user's service permissions for the target payment service can be closed, and the freeze record of the user's service permissions for the target payment service can be deleted. After deletion, the delay mark obtained after the delayed tagging process of the activated target payment service can be canceled.

[0079] In addition to the above-mentioned implementation method of rolling back the delayed activation process in the target payment service when the cancellation interface is detected to be triggered within the delayed activation period, if the cancellation interface is detected to be triggered within the delayed activation period, the user's service permissions for the target payment service can also be directly closed.

[0080] In practical applications, due to the lack of proficiency of certain users in internet operations and their lower cognitive level compared to non-specific users, in order to avoid users accidentally activating the target payment service, after processing the activation of the target payment service for the user and sending the delayed activation page, a delayed activation reminder can be sent to the user's associated users to inform them of the activation of the target payment service. The associated users can then decide whether to cancel the activation of the user's target payment service through the cancellation interface.

[0081] In one optional implementation of this embodiment, after performing delayed activation of the target payment service for the user and sending a delayed activation page configured with a cancellation interface for canceling the activation of the target payment service, the following operations are also performed:

[0082] Send a delayed activation reminder to the user's associated users; the delayed activation reminder is generated based on the delayed activation page;

[0083] If a cancellation request is detected from the associated user through the cancellation interface on the delayed activation page during the delayed activation period, the user's service permissions for the target payment service will be closed based on the cancellation request.

[0084] The delayed activation reminder includes a delayed activation reminder for the user's target payment service. The delayed activation reminder can be a delayed activation link, a delayed activation password, or other forms. The delayed activation reminder is generated by the delayed activation page and is triggerable within the delayed activation period. Alternatively, the reminder period can be reset, in which case the delayed activation period is triggerable within the reset period. The associated users include, but are not limited to, family members, friends, and colleagues.

[0085] Specifically, after receiving a delayed activation reminder, associated users can trigger the delayed activation reminder to display a delayed activation page. The delayed activation page has a cancellation interface for cancelling the activation of the target payment service. If a cancellation request is detected by the associated user through the cancellation interface on the delayed activation page 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 permissions for the target payment service will be closed.

[0086] In addition, if a cancellation request submitted by an associated user through the cancellation interface on the delayed activation page is detected during the delayed activation period, the delayed activation process can also be rolled back in the target payment service based on the cancellation request; the rollback process includes: closing service permissions, deleting the freeze record of frozen service permissions, or the rollback process includes: closing service permissions, canceling the delayed tag obtained after the delayed tagging process, and deleting the freeze record of frozen service permissions;

[0087] During the rollback process of delayed activation of the target payment service, the following operations are performed: the user's service permissions for the target payment service are closed, and the delay mark obtained after the delayed tagging of the activated target payment service is canceled; after cancellation, the freeze record of the user's service permissions for the target payment service is deleted.

[0088] Based on the above-mentioned cancellation request to close the user's service permissions for the target payment service, in order to improve the user's awareness and increase the user's understanding of the operation process of the associated user, the cancellation record of the associated user canceling the target payment service can be sent to the user as a cancellation reminder.

[0089] In one optional implementation of this embodiment, after the user's service permissions for the target payment service are closed based on the cancellation request, the following operations are also performed:

[0090] Generate a cancellation record for the associated user who canceled the activation of the user's target payment service;

[0091] A cancellation reminder is generated based on the cancellation record and sent to the user.

[0092] Furthermore, to enhance user awareness, after a user submits a cancellation request, a confirmation instruction from the user can be obtained, specifically sending a delayed activation reminder to the user's associated users. This delayed activation reminder is generated based on the delayed activation page. If a cancellation request submitted by an associated user through the cancellation interface on the delayed activation page is detected within the delayed activation period, a confirmation instruction from the user regarding the cancellation request is obtained. Based on the confirmation instruction, the user's service permissions for the target payment service are either disabled, or the delayed activation process is rolled back in the target payment service based on the confirmation instruction.

[0093] The following description uses the application of a payment service processing method provided in this embodiment in a password-free payment service scenario as an example to further illustrate the payment service processing method provided in this embodiment. (See also...) Figure 2 The payment service processing method applied to password-free payment service scenarios includes the following steps.

[0094] Step S202: Obtain the user's request to activate the password-free payment service, and determine the user category based on the user information carried in the activation request.

[0095] Step S204: If the user category is a specific user category, obtain the user's facial image and query the user's saved facial image, and verify the user's identity based on the facial image and the saved facial image.

[0096] Step S206: If the verification is successful, the user's voiceprint information is obtained, and the user's identity is verified based on the voiceprint information.

[0097] Among them, voiceprint information is input based on voiceprint verification guidance information.

[0098] Step S208: If the verification is successful, 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 successful, the identity verification process is confirmed to be successful.

[0099] The signature information is input based on the signature verification guidance information.

[0100] Step S210: After the identity verification is passed, the user is granted access to the password-free payment service, and the accessed password-free payment service is marked with a delay.

[0101] Step S212: After the delayed tagging process, freeze the user's service permissions for the password-free payment service according to the delayed activation period.

[0102] Step S214: After freezing service permissions, send a delayed activation page to the user, which is configured with a cancellation interface to cancel the activation of the password-free payment service.

[0103] Step S216: If no cancellation interface is detected when the delayed activation period expires, then cancel the delay mark obtained after delay tagging the activated password-free payment service.

[0104] Step S218: After cancellation, the frozen user's service permissions for the password-free payment service are unfrozen.

[0105] Step S220: If the cancellation interface is detected to be triggered within the delayed activation period, the user's service permission for the password-free payment service is closed, and the delay mark obtained after the delayed tagging process of the activated password-free payment service is cancelled.

[0106] Step S222: After cancellation, delete the freeze record of the frozen user's service permissions for the password-free payment service.

[0107] In summary, the payment service processing method provided in this embodiment first obtains the user's request to activate the target payment service, and then determines the user category based on the user information carried in the activation request.

[0108] Secondly, if the user category is a specific user category, the user's biometric information is obtained and compared with the pre-stored user biometric information. If the comparison is successful, the identity verification process is confirmed to be successful. Alternatively, the user's input signature information is obtained and matched with the pre-stored user input signature information. If the matching result is successful, the identity verification process is confirmed to be successful, thereby confirming the user's identity information and raising the threshold for opening the target payment service through identity verification.

[0109] Next, after the identity verification process is passed, the user is granted service permission for the target payment service, and the granted target payment service is marked with a delay. After the delay marking process, the user's service permission for the target payment service is frozen according to the delayed activation period, and a delayed activation page with a cancellation interface configured to cancel the activation of the target payment service is sent to the user.

[0110] Finally, if no cancellation interface is triggered when the extended activation period expires, the delay tag obtained after the delayed tagging of the activated target payment service will be canceled. After cancellation, the frozen user's service permissions for the password-free payment service will be unfrozen. If the cancellation interface is triggered within the extended activation period, the user's service permissions for the target payment service will be closed, and the delay tag obtained after the delayed tagging of the activated target payment service will be canceled. After cancellation, the freeze record of the frozen user's service permissions for the target payment service will be deleted.

[0111] Therefore, in addition to raising the threshold for opening the target payment service by verifying user identity, a cancellation interface for canceling the opening of the target payment service is added. By setting up the cancellation interface, the threshold for opening the target payment service is further raised, thereby preventing users from accidentally opening the target payment service and causing fund loss, ensuring user payment security, and reducing negative feedback on the target payment service caused by users accidentally opening the target payment service.

[0112] This specification provides an embodiment of a payment service processing device as follows:

[0113] In the above embodiments, a payment service processing method is provided, and correspondingly, a payment service processing apparatus is also provided, which will be described below with reference to the accompanying drawings.

[0114] Reference Figure 3 The diagram shows a payment service processing device provided in this embodiment.

[0115] Since the apparatus embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The apparatus embodiments described below are merely illustrative.

[0116] This embodiment provides a payment service processing device, including:

[0117] The activation request acquisition module 302 is configured to acquire the activation request for the target payment service submitted by the user, and determine the user category based on the user information carried in the activation request;

[0118] If the user category is a specific user category, then the identity verification module 304 is run. The identity verification module 304 is configured to obtain at least one identity verification information of the user and perform identity verification processing on the user based on the at least one identity verification information.

[0119] After the identity verification process is passed, the delayed activation processing module 306 is run. The delayed activation processing module 306 is configured to perform delayed activation processing of the target payment service for the user and send a delayed activation page with a cancellation interface configured to cancel the activation of the target payment service. The cancellation interface is in a triggerable state during the delayed activation period.

[0120] If the cancellation interface is not triggered when the delayed activation period expires, the activation processing module 308 is run. The activation processing module 308 is configured to activate the target payment service after the delayed activation process.

[0121] This specification provides the following embodiment of a payment service processing device:

[0122] 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 for executing the payment service processing method provided above. Figure 4 This is a schematic diagram of the structure of a payment service processing device provided for one or more embodiments of this specification.

[0123] This embodiment provides a payment service processing device, including:

[0124] like Figure 4As shown, payment service processing devices can vary significantly due to differences in configuration or performance. They may include one or more processors 401 and memory 402, with memory 402 storing one or more application programs or data. Memory 402 can be temporary or persistent storage. The application programs stored in memory 402 may include one or more modules (not shown), each module including a series of computer-executable instructions from the payment service processing device. Furthermore, processor 401 may be configured to communicate with memory 402, executing the series of computer-executable instructions in 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.

[0125] In one 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 is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following:

[0126] Obtain the user's request to activate the target payment service, and determine the user category based on the user information carried in the activation request;

[0127] If the user category is a specific user category, then at least one identity verification information of the user is obtained, and the user is verified based on the at least one identity verification information;

[0128] After the identity verification is passed, the activation of the target payment service is delayed for the user, and a delayed activation page with a cancellation interface configured to cancel the activation of the target payment service is sent; the cancellation interface is in a triggerable state during the delayed activation period;

[0129] If the cancellation interface is not triggered when the delayed activation period expires, the target payment service after the delayed activation process will be activated.

[0130] This specification provides an example of a storage medium as follows:

[0131] 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.

[0132] The storage medium provided in this embodiment is used to store computer-executable instructions, which, when executed by a processor, implement the following process:

[0133] Obtain the user's request to activate the target payment service, and determine the user category based on the user information carried in the activation request;

[0134] If the user category is a specific user category, then at least one identity verification information of the user is obtained, and the user is verified based on the at least one identity verification information;

[0135] After the identity verification is passed, the activation of the target payment service is delayed for the user, and a delayed activation page with a cancellation interface configured to cancel the activation of the target payment service is sent; the cancellation interface is in a triggerable state during the delayed activation period;

[0136] If the cancellation interface is not triggered when the delayed activation period expires, the target payment service after the delayed activation process will be activated.

[0137] It should be noted that the embodiments concerning the storage medium in this specification and the embodiments concerning the payment service processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can be referred to the implementation of the corresponding method described above, and the repeated parts will not be described again.

[0138] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0139] In the 1930s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many improvements to the methodology today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that an improvement to the methodology cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must also be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0140] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0141] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0142] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0143] Those skilled in the art will understand that one or more embodiments of this specification can be provided as a method, system, or computer program product. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this specification may take the form of a computer program product embodied 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.

[0144] This specification is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0145] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0146] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0147] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0148] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0149] Computer-readable media include both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0150] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0151] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a particular task or implement a particular abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0152] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0153] The above description is merely an embodiment of this document and is not intended to limit the scope of this document. Various modifications and variations can be made to this document by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this document should be included within the scope of the claims of this document.

Claims

1. A payment service processing method, comprising: The user category is determined based on the user information submitted by the user in the target payment service; If the user category is a specific user category, then the user is verified based on at least one of the user's identity verification information; After the identity verification is passed, the user is granted delayed activation of the target payment service, and a cancellation interface is provided to cancel the activation of the target payment service. The cancellation interface is configured on the delayed activation page with timed reminder information, and the timed reminder information includes a timed duration determined based on the remaining time of the delayed activation period. If the cancellation interface is detected to be triggered within the specified delay activation period, the delayed activation process will be 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 includes: Grant the user access to the target payment service and apply delayed tagging to the granted target payment service; After the delayed tagging process, the user's service permissions for the target payment service are frozen according to the delayed activation period.

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

4. The payment service processing method according to claim 3, wherein activating the target payment service after the delayed activation process includes: Cancel the delay tag obtained after delay tagging the activated target payment service; After cancellation, the frozen service permissions of the user for the target payment service will be unfrozen.

5. The payment service processing method according to claim 1, wherein the rollback processing of the delayed activation process includes: The user's service permissions for the target payment service are closed, and the delay tag obtained after delay tagging of the activated target payment service is canceled. After cancellation, the freeze record that froze the user's service permissions for the target payment service will be deleted.

6. The payment service processing method according to claim 1, wherein the step of verifying the user based on at least one identity verification information of the user includes: The biometric information of the user is obtained and compared with the pre-stored biometric information of the user. If the comparison is successful, the identity verification process is deemed successful. or, The signature information entered by the user is obtained and matched with preset signature information. If the matching result is successful, the identity verification is confirmed to be successful. The signature information is entered based on the signature verification guidance information.

7. The payment service processing method according to claim 1, wherein the step of verifying the user based on at least one identity verification information of the user includes: Obtain the user's facial image and query the user's saved facial image; verify the user's identity based on the facial image and the saved facial image. If the verification is successful, the user's voiceprint information is obtained, and the user's identity is verified based on the voiceprint information. The voiceprint information is entered based on voiceprint verification guidance information; If the verification 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 preset handwriting features; the signature information is entered based on the signature verification guidance information. If the comparison passes, the identity verification process is confirmed to be successful.

8. The payment service processing method according to claim 1, wherein the user information is carried in the user's request to activate the target payment service; The user submits a request to activate 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 users with behavioral disorders.

9. The payment service processing method according to claim 1, further comprising, after the steps of performing delayed activation of the target payment service for the user and providing a cancellation interface to cancel the activation of the target payment service, following the steps of identity verification, performing delayed activation of the target payment service for the user, and providing a cancellation interface to cancel the activation of the target payment service: Send a delayed activation reminder to the user's associated users; The delayed activation reminder is generated based on the delayed activation page; If a cancellation request is detected from the associated user through the cancellation interface on the delayed activation page within the delayed activation period, the user's service permissions for the target payment service will be closed based on the cancellation request.

10. The payment service processing method according to claim 9, further comprising, after the step of closing the user's service permission for the target payment service based on the cancellation request, the method further includes: Generate a cancellation record for the associated user who canceled the activation of the user's target payment service; A cancellation reminder is generated based on the cancellation record and sent to the user.

11. The payment service processing method according to claim 1, wherein determining the user category based on the user information submitted by the user in the target payment service includes: Query the user profile of the user based on the user identifier; The user category is determined based on the user profile.

12. A payment service processing apparatus, comprising: The activation request acquisition module is configured 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, then the identity verification module is run. The identity verification module is configured to perform identity verification on the user based on at least one identity verification information of the user. After the identity verification process is passed, the delayed activation processing module is run. 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 to cancel the activation of the target payment service. The cancellation interface is configured on the delayed activation page, which is configured with timed reminder information. The timed duration included in the timed reminder information is determined based on the remaining duration of the delayed activation period. If the cancellation interface is detected to be triggered within the delayed activation period, the activation processing module is run. The activation processing module is configured to roll back the delayed activation process.

13. A payment service processing device, comprising: processor; And, a memory configured to store computer-executable instructions, which, when executed, cause the processor to: The user category is determined based on the user information submitted by the user in the target payment service; If the user category is a specific user category, then the user is verified based on at least one of the user's identity verification information; After the identity verification is passed, the user is granted delayed activation of the target payment service, and a cancellation interface is provided to cancel the activation of the target payment service. The cancellation interface is configured on the delayed activation page with timed reminder information, and the timed reminder information includes a timed duration determined based on the remaining time of the delayed activation period. If the cancellation interface is detected to be triggered within the specified delay activation period, the delayed activation process will be rolled back.

14. A storage medium for storing computer-executable instructions, which, when executed by a processor, perform the following process: The user category is determined based on the user information submitted by the user in the target payment service; If the user category is a specific user category, then the user is verified based on at least one of the user's identity verification information; After the identity verification is passed, the user is granted delayed activation of the target payment service, and a cancellation interface is provided to cancel the activation of the target payment service. The cancellation interface is configured on the delayed activation page with timed reminder information, and the timed reminder information includes a timed duration determined based on the remaining time of the delayed activation period. If the cancellation interface is detected to be triggered within the specified delay activation period, the delayed activation process will be rolled back.

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