Payment verification method and device

Abstract

The invention discloses a payment verification method and device, and relates to the technical field of computers. A specific embodiment of the method comprises the following steps: receiving an order payment request which is sent by a client and is based on an external payment platform; querying target identity authentication information according to the identifier of the order submitter, and sending a payment calling request to an external payment platform; receiving additional recorded identity authentication information provided by the client, and sending the additional recorded identity authentication information to an external payment platform; the additional recording identity authentication information is determined after the client receives an additional recording notification sent by the external payment platform, and the additional recording notification is sent by the external payment platform under the condition that the external payment platform verifies that the target identity authentication information is inconsistent with the identity authentication information of the payer of the external payment platform corresponding to the client. According to the embodiment, the problems of payment security and compliance caused by inconsistent identity authentication information can be solved.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a payment verification method and device. Background Art

[0002] At present, APPs (mobile applications, hereinafter referred to as applications) that involve payment functions need to be authenticated, and different applications generally do not share authentication status. In actual applications, when users use the current application to pay, they may use the third-party payment method it supports, that is, call external applications in the current application to make payments, but the identity authentication information of the current application and the identity authentication information of the external application are not checked for consistency, and may not be consistent, which will lead to the following problems: First, criminals use the loophole of not doing consistency verification to push fake links to users to commit illegal acts; second, in specific scenarios such as cross-border trade, identity authentication information must be consistent. If it is inconsistent, complex processing procedures need to be executed. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a payment verification method and device, which can solve the payment security and compliance problems caused by inconsistent identity authentication information.

[0004] To achieve the above objective, according to one aspect of the present invention, a payment verification method is provided.

[0005] The payment verification method of the embodiment of the present invention is executed by the server; the payment verification method includes: receiving an order payment request issued by a client and based on an external payment platform, the order payment request carrying the identifier of the order submitter and the identifier of the external payment platform; querying the corresponding target identity authentication information according to the identifier of the order submitter, and issuing a payment call request to the external payment platform using the identifier of the external payment platform; the payment call request carries the target identity authentication information; receiving the supplementary identity authentication information provided by the client, and sending the supplementary identity authentication information to the external payment platform; wherein the supplementary identity authentication information is determined by the client after receiving the supplementary notification issued by the external payment platform, and the supplementary notification is issued by the external payment platform when it is verified that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform.

[0006] Optionally, the payment verification method further includes: after receiving the supplementary identity authentication information provided by the client, storing a mapping relationship between the supplementary identity authentication information and the identifier of the order submitter.

[0007] Optionally, the corresponding target identity authentication information is queried based on the identifier of the order submitter, including: after receiving the order payment request, querying whether the supplementary identity authentication information corresponding to the identifier of the order submitter is pre-stored; if the supplementary identity authentication information is not stored, determining the identity authentication information of the order submitter in at least one preset attribute as the target identity authentication information; if the supplementary identity authentication information is stored, determining the latest supplementary identity authentication information of the order submitter with the attribute as the target identity authentication information.

[0008] Optionally, the external payment platform continues the remaining payment process when verifying that the target identity authentication information is consistent with the identity authentication information of the payer of the external payment platform corresponding to the client.

[0009] Optionally, the payment verification method further includes: after querying the corresponding target identity authentication information according to the identifier of the order submitter, performing a first privacy processing on the queried target identity authentication information based on a preset privacy algorithm, and carrying the target identity authentication information after the first privacy processing in the payment call request; and, after the external payment platform obtains the target identity authentication information after the first privacy processing, performing a second privacy processing on the payer's attribute authentication information based on the privacy algorithm; verifying whether the target identity authentication information is consistent with the payer's attribute authentication information corresponding to the client of the external payment platform, including: verifying whether the target identity authentication information after the first privacy processing is consistent with the payer's attribute authentication information after the second privacy processing.

[0010] Optionally, the external payment platform forwards the supplementary recording notification to the client based on the server, or the external payment platform directly sends the supplementary recording notification to the client.

[0011] Optionally, the external payment platform verifies whether the supplemented identity authentication information is consistent with the identity authentication information of the payer on the external payment platform corresponding to the client; if they are consistent, the remaining payment process continues; if they are inconsistent, a re-entry notification is returned to the client or the payment process is terminated.

[0012] Optionally, the attributes include at least one of the following: name, ID number.

[0013] To achieve the above objective, according to another aspect of the present invention, a payment verification method is provided.

[0014] The payment verification method of the embodiment of the present invention is executed by the client; the payment verification method includes: sending an order payment request based on an external payment platform to the server, the order payment request carrying the identifier of the order submitter and the identifier of the external payment platform; receiving a supplementary recording notification; wherein the supplementary recording notification is sent by the external payment platform when it is verified that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform, the target identity authentication information is queried by the server after receiving the order payment request according to the identifier of the order submitter, and the external payment platform obtains the target identity authentication information from the payment call request sent by the server based on the identifier of the external payment platform; determining the supplementary identity authentication information and sending it to the server, so as to perform a verification on the external payment platform whether the supplementary identity authentication information is consistent with the payer's identity authentication information.

[0015] To achieve the above objective, according to another aspect of the present invention, a payment verification method is provided.

[0016] The payment verification method of the embodiment of the present invention is executed by the server; the payment verification method includes: receiving an order payment request issued by a client and based on an external payment platform, the order payment request carrying the identifier of the order submitter and the identifier of the external payment platform; querying the corresponding target identity authentication information according to the identifier of the order submitter, and using the identifier of the external payment platform to issue an identity authentication notification to the external payment platform; receiving the identity authentication information of the payer of the external payment platform corresponding to the client sent by the external payment platform, and verifying whether the target identity authentication information is consistent with the identity authentication information of the payer; if inconsistent, issuing a supplementary recording notification to the client to obtain the supplementary identity authentication information provided by the client.

[0017] To achieve the above objective, according to another aspect of the present invention, a payment verification method is provided.

[0018] The payment verification method of the embodiment of the present invention is executed by the client; the payment verification method includes: sending an order payment request based on an external payment platform to the server, the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; receiving a supplementary recording notification; wherein, the supplementary recording notification is issued by the server when it is verified that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform, the target identity authentication information is queried by the server after receiving the order payment request according to the identifier of the order submitter, the identity authentication information of the payer is provided to the server by the external payment platform after receiving the identity authentication notification issued by the server, and the server issues the identity authentication notification according to the identifier of the external payment platform; determining the supplementary identity authentication information and sending it to the server, so as to perform a verification on the server whether the supplementary identity authentication information is consistent with the payer's identity authentication information.

[0019] To achieve the above objective, according to another aspect of the present invention, a payment verification device is provided.

[0020] The payment verification device of the embodiment of the present invention is arranged at the service end; the payment verification device comprises: a receiving unit, which is used to receive an order payment request issued by a client and based on an external payment platform, wherein the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; a query unit, which is used to query the corresponding target identity authentication information according to the identifier of the order submitter, and use the identifier of the external payment platform to issue a payment call request to the external payment platform; the payment call request carries the target identity authentication information; a supplementary recording unit, which is used to receive the supplementary recorded identity authentication information provided by the client, and send the supplementary recorded identity authentication information to the external payment platform; wherein the supplementary recorded identity authentication information is determined by the client after receiving the supplementary recording notification issued by the external payment platform, and the supplementary recording notification is issued by the external payment platform when it is verified that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform.

[0021] To achieve the above objective, according to another aspect of the present invention, a payment verification device is provided.

[0022] The payment verification device of the embodiment of the present invention is arranged on the client side; the payment verification device includes: a request sending unit, which is used to send an order payment request based on an external payment platform to the server side, and the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; a notification receiving unit, which is used to receive a supplementary recording notification; wherein the supplementary recording notification is sent by the external payment platform when it is verified that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform, and the target identity authentication information is queried by the server side according to the identifier of the order submitter after receiving the order payment request, and the external payment platform obtains the target identity authentication information from the payment call request sent by the server side based on the identifier of the external payment platform; the supplementary recording sending unit, which is used to determine the supplementary recording identity authentication information and send it to the server side, so as to perform a verification on the external payment platform whether the supplementary recording identity authentication information is consistent with the payer's identity authentication information.

[0023] To achieve the above objective, according to another aspect of the present invention, an electronic device is provided.

[0024] An electronic device of the present invention includes: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement the payment verification method provided by the present invention.

[0025] To achieve the above objective, according to yet another aspect of the present invention, a computer-readable storage medium is provided.

[0026] A computer-readable storage medium of the present invention stores a computer program, which implements the payment verification method provided by the present invention when the program is executed by a processor.

[0027] According to the technical solution of the present invention, the embodiments of the above invention have the following advantages or beneficial effects: After receiving the order payment request from the client based on the external payment platform, the server queries the corresponding target identity authentication information according to the order submitter ID carried in the request, and then the server or external payment platform performs consistency check on the target identity authentication information and the identity authentication information of the payer corresponding to the client on the external payment platform. If the check is consistent, the payment process is executed; if the check is inconsistent, the client performs identity authentication information supplementation, and the server or external payment platform performs consistency check on the identity authentication information again, until the check is consistent, the payment process is executed. In this way, by supplementing the identity authentication information during the payment process, the consistency check of the identity authentication information between the current platform (client, server) and the external payment platform during the payment process is realized, thereby forming a safer third-party payment method, solving the payment security and compliance issues caused by inconsistent identity authentication information, and preventing payment loopholes and business obstructions caused by inconsistent identity authentication information.

[0028] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific implementation examples. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention. Figure 1 It is a schematic diagram of the main steps of the payment verification method in the first embodiment of the present invention; Figure 2 is an interactive schematic diagram of a payment verification method in a first embodiment of the present invention; Figure 3 is a flow chart of a payment verification method in a first embodiment of the present invention; Figure 4 This is a schematic diagram of the main steps of the payment verification method in the second embodiment of the present invention; Figure 5 is an interactive schematic diagram of a payment verification method in a second embodiment of the present invention; Figure 6 It is a schematic diagram of components of a payment verification device in a third embodiment of the present invention; Figure 7 It is a schematic diagram of components of a payment verification device in a fourth embodiment of the present invention; Figure 8It is a schematic diagram of components of a payment verification device in a fifth embodiment of the present invention; Fig. 9 It is a schematic diagram of components of a payment verification device in a sixth embodiment of the present invention; Fig.10 is an exemplary system architecture diagram in which embodiments of the present invention may be applied; Fig.11 It is a schematic diagram of the structure of an electronic device used to implement the payment verification method in an embodiment of the present invention. DETAILED DESCRIPTION

[0030] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0031] It should be pointed out that the embodiments of the present invention and the technical features therein may be combined with each other without conflict.

[0032] Figure 1 It is a schematic diagram of the main steps of the payment verification method in the first embodiment of the present invention.

[0033] like Figure 1 As shown, the payment verification method of the embodiment of the present invention can be executed by the server. The server and the client correspond to the platform currently operated by the user (hereinafter referred to as the current platform). The current platform can be any platform with payment function. The following is an example of an e-commerce platform. The user can make a payment based on a third-party payment platform (hereinafter referred to as an external payment platform) on the client. The specific execution steps of the payment verification method executed by the server are as follows: Step S101: The server receives an order payment request from the client based on an external payment platform, wherein the order payment request carries the identifier of the order submitter (i.e. the person placing the order) and the identifier of the external payment platform.

[0034] Step S102: the server queries the corresponding target identity authentication information according to the identifier of the order submitter, and sends a payment call request to the external payment platform using the identifier of the external payment platform; the payment call request carries the target identity authentication information.

[0035] Step S103: The server receives the supplementary identity authentication information provided by the client, and sends the supplementary identity authentication information to the external payment platform. The supplementary identity authentication information is determined by the client after receiving the supplementary notification issued by the external payment platform, and the supplementary notification is issued by the external payment platform when the target identity authentication information is verified to be inconsistent with the identity authentication information of the payer corresponding to the client on the external payment platform.

[0036] In the technical solution of this embodiment, the external payment platform performs a consistency check on the identity authentication information. If the check is successful, the payment process is executed; if the external payment platform fails to verify (that is, the identity authentication information is inconsistent), a re-recording notification is sent to the client, and the client transmits the re-recorded identity authentication information to the external payment platform via the server for re-verification. The payment process is executed only after the verification is successful (that is, the identity authentication information is consistent), thereby solving the payment security and compliance issues caused by inconsistent identity authentication information.

[0037] Figure 2 is an interactive schematic diagram of the payment verification method in the first embodiment of the present invention, see Figure 2 .

[0038] Step S201: The client sends an order payment request to the server according to the user's payment operation. In an optional method, the user operates the client of the current platform (such as a mobile application), selects the third-party payment method corresponding to the external payment platform at the checkout counter, clicks the payment button, and sends an order payment request to the server. The above orders may include any object (including physical items and information objects) for payment in various transaction scenarios, such as shopping orders in e-commerce scenarios, consultation orders in Internet medical scenarios, etc., and may also indicate specific items or specific information objects for payment. In actual applications, the order payment request may carry the identifier of the order submitter and the identifier of the external payment platform. The above order submitter refers to the person placing the order.

[0039] Step S202: After receiving the order payment request, the server locally queries the corresponding target identity authentication information based on the identifier of the order submitter. It can be understood that the server locally pre-stores the mapping relationship between the target identity authentication information and the identifier of the order submitter, and the target identity authentication information can be uploaded by the client, for example, by uploading it through a POST request based on the Hypertext Transfer Protocol Security HTTPS interface. In this embodiment, the identity authentication information can be information of at least one preset attribute, and the above attributes can be configured as needed, for example, as a name and ID number, or as a name, gender and ID number. Preferably, before the client uploads the target identity authentication information, an irreversible pre-privacy processing (such as using a hash algorithm) can be performed on the target identity authentication information of each attribute to avoid data leakage.

[0040] Step S203: The server uses the identifier of the external payment platform to send a payment call request to the external payment platform, and the payment call request carries the target identity authentication information. In order to ensure information security, after querying the corresponding target identity authentication information according to the identifier of the order submitter, the server can perform a first privacy processing on the queried target identity authentication information based on a preset privacy algorithm, and carry the target identity authentication information that has undergone the first privacy processing in the payment call request and send it to the external payment platform. For example, before the target identity authentication information of the two attributes of name and ID number is sent from the client to the server, the client performs a pre-privacy processing using the MD5 algorithm in advance. The server can concatenate the pre-privacy processing results of the two attributes and execute the SHA256 algorithm (irreversible first privacy processing) to obtain the target identity authentication information that has undergone the first privacy processing.

[0041] Step S204: After receiving the payment call request, the external payment platform obtains the target identity authentication information carried in the request, and locally obtains the identity authentication information of the payer of the external payment platform corresponding to the client. The payer refers to the payer pre-configured in the external payment platform, and the payer's identity authentication information is pre-stored locally in the external payment platform. It can be understood that the privacy processing logic of the payer's identity authentication information is consistent with that of the target identity authentication information. Before storing the payer's identity authentication information, the external payment platform can perform pre-privacy processing consistent with the client.

[0042] Step S205: The external payment platform verifies whether the payer's identity authentication information is consistent with the target identity authentication information. It can be understood that if the target identity authentication information is pre-privately processed as described above, then after obtaining the target identity authentication information that has undergone the first privacy processing, the external payment platform can perform an irreversible second privacy processing on the payer's identity authentication information at each attribute based on the same privacy algorithm. Accordingly, the above consistency check refers to verifying whether the target identity authentication information that has undergone the first privacy processing is consistent with the payer's identity authentication information at each attribute that has undergone the second privacy processing.

[0043] Step S206: If the verification is consistent, the external payment platform returns the normal acquisition request parameters to execute the normal payment process; if the verification is inconsistent, the external payment platform sends a supplementary recording notification to the client. Optionally, if the verification is inconsistent, the external payment platform can return a specific error code such as "userError" to the client. In actual applications, the external payment platform can forward the supplementary recording notification to the client through the server, and the external payment platform can also send the supplementary recording notification directly to the client.

[0044] Step S207: After receiving the supplementary recording notification, the client sends a prompt to the user to enable the user to supplement the identity authentication information. For example, the client displays the relevant policy description and the supplementary recording interface to the user, and the user enters the new identity authentication information in the supplementary recording interface. In a specific scenario, after the user enters the name and ID number in the supplementary recording interface, a correctness check can be performed based on the local judgment logic, and the supplementary recording is successful only if the correctness check passes. For example, the check restricts that the name cannot be an empty character, the ID number is 15 or 18 digits, and the last digit is a number or the character X. Preferably, after obtaining the identity authentication information supplemented by the user, the client can perform the same pre-privacy processing.

[0045] Step S208: The client sends the supplemented identity authentication information to the server. Step S209: After receiving the supplemented identity authentication information provided by the client, the server can store the mapping relationship between the supplemented identity authentication information and the identifier of the order submitter, and send the supplemented identity authentication information to the external payment platform for another consistency check.

[0046] For the same order submitter, the server may store the unique identity authentication information of the order submitter (in this case, no supplementary recording has occurred), or may store one or more supplementary recording identity authentication information (supplementary recording may be performed once or multiple times). Therefore, in an optional technical solution, the query target identity authentication information in step S202 may be performed according to the following steps: after receiving the order payment request, the server queries whether the supplementary recording identity authentication information corresponding to the identifier of the order submitter is pre-stored; if the supplementary recording identity authentication information is not stored, the server determines the identity authentication information of the order submitter in at least one preset attribute as the target identity authentication information; if the supplementary recording identity authentication information is stored, the server determines the identity authentication information of the order submitter's latest supplementary recording and attribute as the target identity authentication information. In this way, when the user uses third-party payment, the latest identity authentication information can be directly queried for consistency verification, avoiding the use of invalid identity authentication information to affect the payment process.

[0047] Step S210: The external payment platform verifies whether the supplemented identity authentication information is consistent with the payer's identity authentication information. Preferably, before the consistency check, the external payment platform can perform the same privacy processing on the two identity authentication information.

[0048] Step S211: If the external payment platform verifies that the parameters are consistent, it returns the normal acquiring request parameters to continue the remaining payment process; if they are inconsistent, it returns a re-entry notification to the client or ends the payment process.

[0049] By supplementing the identity authentication information during the payment process, the consistency of the identity authentication information between the local platform and the external payment platform can be verified during the payment process, thereby forming a safer third-party payment method, solving payment security and compliance issues caused by inconsistent identity authentication information, and preventing payment loopholes and business obstructions caused by inconsistent identity authentication information.

[0050] Figure 3 1 is a flow chart of the payment verification method in the first embodiment of the present invention. Figure 3 As shown, the user selects a third-party payment method in the client to initiate an order payment request. In response to the request, the server calls the third-party payment service from the external payment platform. The external payment platform first verifies whether the identity authentication information is consistent: if it is consistent, the normal payment process is executed; if it is inconsistent, an error code indicating that the consistency check failed is returned to the client. After the client parses the error code, it jumps to the supplementary recording page to perform the supplementary recording of the identity authentication information, and submits the supplementary identity authentication information to the server. The server caches the supplementary identity authentication information locally and returns a notification of successful update of the identity authentication information to the client. After receiving the notification, the client continues to initiate an order payment request. The server calls the latest supplementary identity authentication information from the cache to continue to call the third-party payment service. The external payment platform continues to perform consistency verification of the identity authentication information and executes the payment process after the verification is successful.

[0051] The following describes the payment verification process performed by the client in the first embodiment. The client performs the payment verification method including: sending an order payment request based on an external payment platform to the server, the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; receiving a supplementary recording notification; wherein the supplementary recording notification is issued by the external payment platform when the target identity authentication information is verified to be inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform, the target identity authentication information is queried by the server according to the identifier of the order submitter after receiving the order payment request, and the external payment platform obtains the target identity authentication information from the payment call request sent by the server based on the identifier of the external payment platform; determining the supplementary identity authentication information and sending it to the server, so as to perform a verification on the external payment platform whether the supplementary identity authentication information is consistent with the identity authentication information of the payer.

[0052] Preferably, when the external payment platform verifies that the target identity authentication information is consistent with the identity authentication information of the payer of the external payment platform corresponding to the client, the client continues the remaining payment process.

[0053] As a preferred solution, if the identity authentication information verified by the external payment platform is consistent with the identity authentication information of the payer corresponding to the client, the client continues the remaining payment process; if it is inconsistent, the client receives a re-entry notification or a payment termination notification.

[0054] Figure 4 Schematic diagram of the main steps of the payment verification method in the second embodiment of the present invention. The difference between the second embodiment and the first embodiment is that the identity authentication information consistency verification step in the second embodiment is performed by the server. Figure 4 As shown, the payment verification method executed by the server in the second embodiment includes the following steps.

[0055] Step S401: The server receives an order payment request sent by the client based on an external payment platform, where the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; Step S402: The server queries the corresponding target identity authentication information based on the identifier of the order submitter, and sends an identity authentication notification to the external payment platform using the identifier of the external payment platform; Step S403: The server receives the identity authentication information of the payer of the external payment platform corresponding to the client, and verifies whether the target identity authentication information is consistent with the identity authentication information of the payer; if not, a supplementary recording notification is sent to the client to obtain the supplementary identity authentication information provided by the client.

[0056] Figure 5 is an interactive schematic diagram of the payment verification method in the second embodiment of the present invention, see Figure 5 .

[0057] Step S501: The client sends an order payment request to the server according to the user's payment operation. In an optional method, the user operates the client of the current platform, selects the third-party payment method corresponding to the external payment platform at the cashier, clicks the payment button, and sends an order payment request to the server. In actual applications, the order payment request may carry the identifier of the order submitter and the identifier of the external payment platform. The above order submitter refers to the person who places the order.

[0058] Step S502: After receiving the order payment request, the server locally queries the corresponding target identity authentication information based on the identifier of the order submitter. It can be understood that the server locally pre-stores the mapping relationship between the target identity authentication information and the identifier of the order submitter, and the target identity authentication information can be pre-uploaded by the client. In this embodiment, the identity authentication information can be information of at least one preset attribute, and the above attributes can be configured as needed, for example, as name and ID number, or as name, gender and ID number. Preferably, before the client uploads the target identity authentication information, it can perform irreversible pre-privacy processing (such as using a hash algorithm) on the target identity authentication information of each attribute to avoid data leakage, and can also perform the aforementioned first privacy processing on the target identity authentication information.

[0059] Step S503: The server sends an identity authentication notification to the external payment platform using the identifier of the external payment platform. Step S504: After receiving the identity authentication notification, the external payment platform obtains the pre-stored payee identity authentication information. As a preferred method, the external payment platform may first perform the same pre-privacy processing before storing the payee identity authentication information. Step S505: The external payment platform returns the payee identity authentication information to the server. Step S506: The server receives the payee identity authentication information.

[0060] Step S507: The server verifies whether the payer's identity authentication information is consistent with the target identity authentication information. It can be understood that if the target identity authentication information is pre-privately processed, the server can perform a second privacy processing on the payer's identity authentication information of each attribute based on the same privacy algorithm after obtaining the payer's identity authentication information that has undergone the pre-private processing. Accordingly, the above consistency check refers to verifying whether the target identity authentication information that has undergone the first privacy processing is consistent with the payer's identity authentication information that has undergone the second privacy processing.

[0061] Step S508: If the verification is consistent, the server interacts with the client to perform the normal payment process; if the verification is inconsistent, the server sends a supplementary recording notification to the client. Optionally, if the verification is inconsistent, the server can return a specific error code such as "userError" to the client.

[0062] Step S509: The client performs supplementary entry of identity authentication information. Step S510: The client sends the supplementary identity authentication information to the server. Step S511: After receiving the supplementary identity authentication information, the server can store the mapping relationship between the supplementary identity authentication information and the identifier of the order submitter, and re-verify the consistency between the supplementary identity authentication information and the identity authentication information of the payer. Step S512: If the verification is consistent, the normal payment process is executed. If the verification is inconsistent, it indicates to continue entering the identity authentication information or end the payment process.

[0063] Preferably, for step S502, after receiving the order payment request, the server checks whether the supplementary identity authentication information corresponding to the identifier of the order submitter is pre-stored; if the supplementary identity authentication information is not stored, the identity authentication information of the order submitter in at least one preset attribute is determined as the target identity authentication information; if the supplementary identity authentication information is stored, the identity authentication information of the attribute most recently supplemented by the order submitter is determined as the target identity authentication information.

[0064] The following describes the payment verification method executed by the client in the second embodiment, which specifically includes the following steps: issuing an order payment request based on an external payment platform to the server, the order payment request carrying the identifier of the order submitter and the identifier of the external payment platform; receiving a supplementary recording notification; wherein the supplementary recording notification is issued by the server when it is verified that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client on the external payment platform, the target identity authentication information is queried by the server after receiving the order payment request based on the identifier of the order submitter, the identity authentication information of the payer is provided to the server by the external payment platform after receiving the identity authentication notification issued by the server, and the server issues the identity authentication notification based on the identifier of the external payment platform; determining the supplementary identity authentication information and sending it to the server, so as to perform a verification on the server whether the supplementary identity authentication information is consistent with the payer's identity authentication information.

[0065] Preferably, when the server verifies that the target identity authentication information is consistent with the identity authentication information of the payer of the external payment platform corresponding to the client, the client continues the remaining payment process.

[0066] As a preferred solution, if the server verifies that the supplemented identity authentication information is consistent with the identity authentication information of the payer corresponding to the client on the external payment platform, the client continues the remaining payment process; if they are inconsistent, the client receives a re-supplementation notification or a payment termination notification.

[0067] In the technical solution of the embodiment of the present invention, after receiving the order payment request sent by the client based on the external payment platform, the server queries the corresponding target identity authentication information according to the order submitter identifier carried in the request, and then the server or the external payment platform performs consistency verification on the target identity authentication information and the identity authentication information of the payer corresponding to the client on the external payment platform. If the verification is consistent, the payment process is executed; if the verification is inconsistent, the client performs identity authentication information supplementation, and the server or the external payment platform performs consistency verification of the identity authentication information again, until the verification is consistent, the payment process is executed. In this way, by supplementing the identity authentication information during the payment process, the consistency verification of the identity authentication information between the current platform (client, server) and the external payment platform during the payment process is realized, thereby forming a safer third-party payment method, solving the payment security and compliance problems caused by inconsistent identity authentication information, and preventing payment loopholes and business obstructions caused by inconsistent identity authentication information.

[0068] It should be noted that the collection, collection, update, analysis, processing, use, transmission, storage and other aspects of user personal information that may be involved in the technical solution of the present invention are in compliance with the provisions of relevant laws and regulations, are used for legitimate purposes, and do not violate public order and good morals. Necessary measures are taken for user personal information to prevent illegal access to user personal information data and maintain the security of user personal information, network security and national security.

[0069] For the above-mentioned method embodiments, for the convenience of description, they are expressed as a series of action combinations, but those skilled in the art should know that the present invention is not limited by the order of the actions described, and some steps can actually be performed in other orders or simultaneously. In addition, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily necessary to implement the present invention.

[0070] In order to better implement the above-mentioned solution of the embodiment of the present invention, relevant devices for implementing the above-mentioned solution are also provided below.

[0071] See also Figure 6As shown, the payment verification device 600 provided in the third embodiment of the present invention is set at the server end, and may include: a receiving unit 601, used to receive an order payment request issued by a client based on an external payment platform, the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; a query unit 602, used to query the corresponding target identity authentication information according to the identifier of the order submitter, and use the identifier of the external payment platform to issue a payment call request to the external payment platform; the payment call request carries the target identity authentication information; a supplementary recording unit 603, used to receive the supplementary recording identity authentication information provided by the client, and send the supplementary recording identity authentication information to the external payment platform; wherein the supplementary recording identity authentication information is determined by the client after receiving the supplementary recording notification issued by the external payment platform, and the supplementary recording notification is issued by the external payment platform when the target identity authentication information is verified to be inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform. The payment verification device of the third embodiment corresponds to the method executed by the server end of the first embodiment.

[0072] In the embodiment of the present invention, the payment verification device 600 further includes a storage unit for storing a mapping relationship between the supplementary identity authentication information and the identifier of the order submitter after receiving the supplementary identity authentication information provided by the client.

[0073] Preferably, the query unit 602 is also used to: after receiving the order payment request, query whether the supplementary identity authentication information corresponding to the identification of the order submitter is pre-stored; if the supplementary identity authentication information is not stored, determine the identity authentication information of the order submitter in at least one preset attribute as the target identity authentication information; if the supplementary identity authentication information is stored, determine the latest supplementary identity authentication information of the order submitter with the attribute as the target identity authentication information.

[0074] In one embodiment, the external payment platform continues the remaining payment process when verifying that the target identity authentication information is consistent with the identity authentication information of the payer of the client corresponding to the external payment platform.

[0075] In an optional implementation, the payment verification device 600 also includes a privacy processing unit, which is used to perform a first privacy processing on the queried target identity authentication information based on a preset privacy algorithm after querying the corresponding target identity authentication information according to the identifier of the order submitter, and carry the target identity authentication information after the first privacy processing in the payment call request; and, after obtaining the target identity authentication information after the first privacy processing, the external payment platform performs a second privacy processing on the identity authentication information of the payer in each attribute based on the privacy algorithm; the consistency check performed by the external payment platform includes: verifying whether the target identity authentication information after the first privacy processing is consistent with the identity authentication information of the payer in the attribute after the second privacy processing.

[0076] In actual applications, the external payment platform forwards the supplementary recording notification to the client based on the server, or the external payment platform directly sends the supplementary recording notification to the client. The external payment platform verifies whether the supplementary recording identity authentication information is consistent with the identity authentication information of the payer corresponding to the client on the external payment platform; if they are consistent, the remaining payment process continues; if they are inconsistent, a supplementary recording notification is returned to the client or the payment process is terminated.

[0077] In addition, in the embodiment of the present invention, the attributes of the identity authentication information include at least one of the following: name, ID number.

[0078] See also Figure 7 As shown, the payment verification device 700 provided by the fourth embodiment of the present invention is set at the client, and may include: a request sending unit 701, used to send an order payment request based on an external payment platform to the server, and the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; a notification receiving unit 702, used to receive a supplementary recording notification; wherein the supplementary recording notification is sent by the external payment platform when the target identity authentication information is verified to be inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform, and the target identity authentication information is queried by the server after receiving the order payment request according to the identifier of the order submitter, and the external payment platform obtains the target identity authentication information from the payment call request sent by the server based on the identifier of the external payment platform; a supplementary recording sending unit 703, used to determine the supplementary recording identity authentication information and send it to the server, so as to perform a verification on the external payment platform whether the supplementary recording identity authentication information is consistent with the payer's identity authentication information. The payment verification device of the fourth embodiment corresponds to the method executed by the client in the first embodiment.

[0079] Preferably, the payment verification device 700 includes a payment processing unit for continuing the remaining payment process when the target identity authentication information verified by the external payment platform is consistent with the identity authentication information of the payer of the external payment platform corresponding to the client.

[0080] As a preferred solution, the payment processing unit is also used to: if the identity authentication information supplemented by the external payment platform is verified to be consistent with the identity authentication information of the payer corresponding to the client on the external payment platform, continue the remaining payment process; if not consistent, receive a re-supplementation notification or a payment termination notification.

[0081] See also Figure 8 As shown, the payment verification device 800 provided by the fifth embodiment of the present invention is set at the server end, and may include: a request receiving unit 801, used to receive an order payment request issued by the client and based on an external payment platform, the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; an identity query unit 802, used to query the corresponding target identity authentication information according to the identifier of the order submitter, and use the identifier of the external payment platform to send an identity authentication notification to the external payment platform; a consistency verification unit 803, used to receive the identity authentication information of the payer of the external payment platform corresponding to the client sent by the external payment platform, and verify whether the target identity authentication information is consistent with the identity authentication information of the payer; if not consistent, send a supplementary recording notification to the client to obtain the supplementary recording identity authentication information provided by the client. The payment verification device of the fifth embodiment corresponds to the method executed by the server end of the second embodiment.

[0082] In the embodiment of the present invention, the payment verification device 800 further includes a storage unit for storing a mapping relationship between the supplementary identity authentication information and the identifier of the order submitter after receiving the supplementary identity authentication information provided by the client.

[0083] Preferably, the identity query unit 802 is also used to: after receiving the order payment request, query whether the supplementary identity authentication information corresponding to the identification of the order submitter is pre-stored; if the supplementary identity authentication information is not stored, determine the identity authentication information of the order submitter in at least one preset attribute as the target identity authentication information; if the supplementary identity authentication information is stored, determine the latest supplementary identity authentication information of the order submitter with the attribute as the target identity authentication information.

[0084] In one embodiment, the payment verification device 800 further includes a payment processing unit, which is used to continue the remaining payment process when the verification target identity authentication information is consistent with the identity authentication information of the payer of the external payment platform corresponding to the client.

[0085] In an optional implementation, the payment verification device 800 also includes a privacy processing unit, which is used to perform a first privacy processing on the queried target identity authentication information based on a preset privacy algorithm after querying the corresponding target identity authentication information according to the identifier of the order submitter; and, based on the privacy algorithm, perform a second privacy processing on the identity authentication information of the payer in each attribute; the consistency verification unit 803 is also used to verify whether the target identity authentication information after the first privacy processing is consistent with the identity authentication information of the payer in the attribute after the second privacy processing.

[0086] In actual applications, the payment processing unit is also used to: verify whether the supplemented identity authentication information is consistent with the payer's identity authentication information; if consistent, continue the remaining payment process; if inconsistent, return a re-entry notification to the client or end the payment process.

[0087] In addition, in the embodiment of the present invention, the attributes of the identity authentication information include at least one of the following: name, ID number.

[0088] See also Fig. 9 As shown, the payment verification device 900 provided by the sixth embodiment of the present invention is set at the client, and may include: a sending unit 901, used to send an order payment request based on an external payment platform to the server, and the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; a supplementary recording notification receiving unit 902, used to receive the supplementary recording notification; wherein the supplementary recording notification is issued by the server when verifying that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform, the target identity authentication information is queried by the server after receiving the order payment request according to the identifier of the order submitter, the identity authentication information of the payer is provided to the server by the external payment platform after receiving the identity authentication notification issued by the server, and the server issues the identity authentication notification according to the identifier of the external payment platform; a supplementary recording identity sending unit 903, used to determine the supplementary recording identity authentication information and send it to the server, so as to perform verification on the server whether the supplementary recording identity authentication information is consistent with the payer's identity authentication information. The payment verification device of the sixth embodiment corresponds to the method executed by the client in the second embodiment.

[0089] Preferably, the payment verification device 900 includes a payment processing unit for continuing the remaining payment process when the target identity authentication information is verified by the server to be consistent with the identity authentication information of the payer of the external payment platform corresponding to the client.

[0090] As a preferred solution, the payment processing unit is also used to: if the identity authentication information supplemented by the external payment platform is verified to be consistent with the identity authentication information of the payer corresponding to the client on the external payment platform, continue the remaining payment process; if not consistent, receive a re-supplementation notification or a payment termination notification.

[0091] According to the technical solution of the embodiment of the present invention, after receiving the order payment request sent by the client based on the external payment platform, the server queries the corresponding target identity authentication information according to the order submitter identifier carried in the request, and then the server or the external payment platform performs a consistency check on the target identity authentication information and the identity authentication information of the payer corresponding to the client on the external payment platform. If the check is consistent, the payment process is executed; if the check is inconsistent, the client performs the identity authentication information supplement, and the server or the external payment platform performs the consistency check of the identity authentication information again, until the check is consistent, the payment process is executed. In this way, by supplementing the identity authentication information during the payment process, the consistency check of the identity authentication information between the current platform (client, server) and the external payment platform during the payment process is realized, thereby forming a safer third-party payment method, solving the payment security and compliance problems caused by inconsistent identity authentication information, and preventing payment loopholes and business obstructions caused by inconsistent identity authentication information.

[0092] Fig.10 An exemplary system architecture 1000 is shown to which the payment verification method or payment verification device according to the embodiment of the present invention can be applied.

[0093] like Fig.10 As shown, the system architecture 1000 may include terminal devices 1001, 1002, 1003, a network 1004 and a server 1005 (this architecture is only an example, and the components included in the specific architecture may be adjusted according to the specific application). The network 1004 is used to provide a medium for a communication link between the terminal devices 1001, 1002, 1003 and the server 1005. The network 1004 may include various connection types, such as wired, wireless communication links or optical fiber cables.

[0094] Users can use terminal devices 1001, 1002, 1003 to interact with server 1005 through network 1004 to receive or send messages, etc. Various client applications, such as e-commerce applications (only as an example), can be installed on terminal devices 1001, 1002, 1003.

[0095] The terminal devices 1001 , 1002 , and 1003 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers, etc.

[0096] The server 1005 may be a server that provides various services, such as an e-commerce backend server (only an example) that provides support for e-commerce applications operated by users using the terminal devices 1001, 1002, and 1003. The e-commerce backend server may process the received order payment request and feed back the processing result (such as the payment result - only an example) to the terminal devices 1001, 1002, and 1003.

[0097] It should be noted that the payment verification method provided in the embodiment of the present invention can be executed by the server 1005, and accordingly, the payment verification device can be set in the server 1005.

[0098] It should be understood that Fig.10 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0099] The present invention also provides an electronic device. The electronic device of the embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement the payment verification method provided by the present invention.

[0100] Reference below Fig.11 , which shows a schematic diagram of the structure of a computer system 1100 of an electronic device suitable for implementing an embodiment of the present invention. Fig.11 The electronic device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0101] like Fig.11 As shown, the computer system 1100 includes a central processing unit (CPU) 1101, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1102 or a program loaded from a storage part 1108 into a random access memory (RAM) 1103. In the RAM 1103, various programs and data required for the operation of the computer system 1100 are also stored. The CPU 1101, the ROM 1102, and the RAM 1103 are connected to each other through a bus 1104. An input / output (I / O) interface 1105 is also connected to the bus 1104.

[0102] The following components are connected to the I / O interface 1105: an input section 1106 including a keyboard, a mouse, etc.; an output section 1107 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1108 including a hard disk, etc.; and a communication section 1109 including a network interface card such as a LAN card, a modem, etc. The communication section 1109 performs communication processing via a network such as the Internet. A drive 1110 is also connected to the I / O interface 1105 as needed. A removable medium 1111, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1110 as needed so that a computer program read therefrom is installed into the storage section 1108 as needed.

[0103] In particular, according to the embodiments disclosed in the present invention, the process described in the main step diagram above can be implemented as a computer software program. For example, the embodiments of the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program code for executing the method shown in the main step diagram. In the above embodiment, the computer program can be downloaded and installed from the network through the communication part 1109, and / or installed from the removable medium 1111. When the computer program is executed by the central processing unit 1101, the above functions defined in the system of the present invention are executed.

[0104] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer readable signal media may also be any computer readable medium other than computer readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0105] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the above-mentioned module, program segment or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0106] The units involved in the embodiments of the present invention may be implemented by software or hardware. The units described may also be set in a processor, for example, it may be described as: a processor includes: a receiving unit, a query unit and a supplementary recording unit. The names of these units do not constitute a limitation on the units themselves in some cases, for example, the receiving unit may also be described as "a unit that provides an order submitter identifier to the query unit".

[0107] As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently and not be assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by the device, the steps executed by the device include: receiving an order payment request issued by a client based on an external payment platform, the order payment request carries the identifier of the order submitter and the identifier of the external payment platform; querying the corresponding target identity authentication information according to the identifier of the order submitter, and issuing a payment call request to the external payment platform using the identifier of the external payment platform; the payment call request carries the target identity authentication information; receiving the supplementary identity authentication information provided by the client, and sending the supplementary identity authentication information to the external payment platform; wherein the supplementary identity authentication information is determined by the client after receiving the supplementary notification issued by the external payment platform, and the supplementary notification is issued by the external payment platform when verifying that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client of the external payment platform.

[0108] In the technical solution of the embodiment of the present invention, after receiving the order payment request sent by the client based on the external payment platform, the server queries the corresponding target identity authentication information according to the order submitter identifier carried in the request, and then the server or the external payment platform performs consistency verification on the target identity authentication information and the identity authentication information of the payer corresponding to the client on the external payment platform. If the verification is consistent, the payment process is executed; if the verification is inconsistent, the client performs identity authentication information supplementation, and the server or the external payment platform performs consistency verification of the identity authentication information again, until the verification is consistent, the payment process is executed. In this way, by supplementing the identity authentication information during the payment process, the consistency verification of the identity authentication information between the current platform (client, server) and the external payment platform during the payment process is realized, thereby forming a safer third-party payment method, solving the payment security and compliance problems caused by inconsistent identity authentication information, and preventing payment loopholes and business obstructions caused by inconsistent identity authentication information.

[0109] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A payment verification method, characterized in that: Executed by the server; the method includes: Receiving an order payment request sent by a client and based on an external payment platform, wherein the order payment request carries an identifier of an order submitter and an identifier of the external payment platform; querying the corresponding target identity authentication information according to the identifier of the order submitter, and sending a payment call request to the external payment platform using the identifier of the external payment platform; the payment call request carries the target identity authentication information; Receive the supplementary identity authentication information provided by the client, and send the supplementary identity authentication information to the external payment platform; wherein, the supplementary identity authentication information is determined by the client after receiving the supplementary recording notification issued by the external payment platform, and the supplementary recording notification is issued by the external payment platform when it is verified that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client on the external payment platform.

2. The method according to claim 1, characterized in that The method further comprises: After receiving the supplementary identity authentication information provided by the client, a mapping relationship between the supplementary identity authentication information and the identifier of the order submitter is stored.

3. The method according to claim 2, characterized in that The querying of corresponding target identity authentication information according to the identifier of the order submitter includes: After receiving the order payment request, query whether the supplementary identity authentication information corresponding to the identifier of the order submitter is pre-stored; If the supplementary identity authentication information is not stored, determining the identity authentication information of the order submitter in at least one preset attribute as the target identity authentication information; If the supplemented identity authentication information is stored, the identity authentication information of the attribute that is most recently supplemented by the order submitter is determined as the target identity authentication information.

4. The method according to claim 1, characterized in that: The external payment platform continues the remaining payment process when verifying that the target identity authentication information is consistent with the identity authentication information of the payer of the client corresponding to the external payment platform.

5. The method according to claim 3, characterized in that: The method further comprises: after querying the corresponding target identity authentication information according to the identifier of the order submitter, performing a first privacy processing on the queried target identity authentication information based on a preset privacy algorithm, and carrying the target identity authentication information after the first privacy processing in the payment call request; and After obtaining the target identity authentication information that has undergone the first privacy processing, the external payment platform performs a second privacy processing on the identity authentication information of the payer at the attribute based on the privacy algorithm; Verifying whether the target identity authentication information is consistent with the identity authentication information of the payer of the external payment platform corresponding to the client, including: verifying whether the target identity authentication information after a first privacy processing is consistent with the identity authentication information of the payer at the attribute after a second privacy processing.

6. The method according to claim 1, characterized in that The external payment platform verifies whether the supplementary identity authentication information is consistent with the identity authentication information of the payer of the client corresponding to the external payment platform; If they match, continue with the remaining payment process; If they are inconsistent, a re-entry notification is returned to the client or the payment process is terminated.

7. A payment verification method, characterized in that: Executed by a client; the method comprises: Sending an order payment request based on an external payment platform to a server, wherein the order payment request carries an identifier of the order submitter and an identifier of the external payment platform; Receive a supplementary recording notification; wherein, the supplementary recording notification is issued by the external payment platform when verifying that the target identity authentication information is inconsistent with the identity authentication information of the payer of the client corresponding to the external payment platform, the target identity authentication information is queried by the service end according to the identifier of the order submitter after receiving the order payment request, and the external payment platform obtains the target identity authentication information from the payment call request sent by the service end based on the identifier of the external payment platform; The supplementary identity authentication information is determined and sent to the server, so as to verify whether the supplementary identity authentication information is consistent with the payer's identity authentication information on the external payment platform.

8. A payment verification method, characterized in that: Executed by the server; the method includes: Receiving an order payment request sent by a client and based on an external payment platform, wherein the order payment request carries an identifier of an order submitter and an identifier of the external payment platform; Querying corresponding target identity authentication information according to the identifier of the order submitter, and sending an identity authentication notification to the external payment platform using the identifier of the external payment platform; Receive the identity authentication information of the payer of the external payment platform corresponding to the client, and verify whether the target identity authentication information is consistent with the identity authentication information of the payer; if they are inconsistent, send a supplementary recording notification to the client to obtain the supplementary recording identity authentication information provided by the client.

9. A payment verification method, characterized in that: Executed by a client; the method comprises: Sending an order payment request based on an external payment platform to a server, wherein the order payment request carries an identifier of the order submitter and an identifier of the external payment platform; Receive a supplementary recording notification; wherein, the supplementary recording notification is issued by the server when verifying that the target identity authentication information is inconsistent with the identity authentication information of the payer of the external payment platform corresponding to the client, the target identity authentication information is queried by the server according to the identifier of the order submitter after receiving the order payment request, the payer's identity authentication information is provided to the server by the external payment platform after receiving the identity authentication notification issued by the server, and the server issues the identity authentication notification according to the identifier of the external payment platform; The supplementary identity authentication information is determined and sent to the service end, so that the service end performs verification on whether the supplementary identity authentication information is consistent with the payer's identity authentication information.

10. A payment verification device, characterized in that: Set at the service end; the device includes: A receiving unit, configured to receive an order payment request issued by a client and based on an external payment platform, wherein the order payment request carries an identifier of an order submitter and an identifier of the external payment platform; A query unit, used to query the corresponding target identity authentication information according to the identifier of the order submitter, and send a payment call request to the external payment platform using the identifier of the external payment platform; the payment call request carries the target identity authentication information; A supplementary recording unit is used to receive the supplementary recorded identity authentication information provided by the client, and send the supplementary recorded identity authentication information to the external payment platform; wherein, the supplementary recorded identity authentication information is determined by the client after receiving the supplementary recording notification issued by the external payment platform, and the supplementary recording notification is issued by the external payment platform when it is verified that the target identity authentication information is inconsistent with the identity authentication information of the payer corresponding to the client on the external payment platform.

11. A payment verification device, characterized in that: Set on the client; the device includes: A request sending unit, used to send an order payment request based on an external payment platform to a server, wherein the order payment request carries an identifier of an order submitter and an identifier of the external payment platform; a notification receiving unit, for receiving a supplementary recording notification; wherein the supplementary recording notification is issued by the external payment platform when verifying that the target identity authentication information is inconsistent with the identity authentication information of the payer of the external payment platform corresponding to the client, the target identity authentication information is queried by the service end according to the identifier of the order submitter after receiving the order payment request, and the external payment platform obtains the target identity authentication information from the payment call request sent by the service end based on the identifier of the external payment platform; The supplementary recording and sending unit is used to determine the supplementary recording identity authentication information and send it to the server, so as to perform a verification on the external payment platform whether the supplementary recording identity authentication information is consistent with the payer's identity authentication information.

12. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 9.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 9 is implemented.

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