Electronic payment method and device, equipment and storage medium

Abstract

The embodiment of the invention provides an electronic payment method, device and equipment and a computer readable storage medium. The method includes providing a first authentication component associated with a first credential type in response to a payment request; in response to the fact that the first input information acquired by the first authentication component does not pass verification, presenting a voucher modification component; obtaining second input information via a credential modification component; and updating voucher information corresponding to the first voucher type based on the second input information, and triggering a payment completion request. In this way, the user can complete the modification of the credential information without interrupting the current payment operation.

Description

Technical Field

[0001] Example embodiments of the present disclosure generally relate to the field of computers, and particularly to methods, apparatuses, devices, and computer-readable storage media for electronic payment. Background Art

[0002] E-commerce has become an indispensable part of people's daily lives. Through e-commerce, people can obtain various desired objects, including but not limited to, goods, services, and so on. The payment process is an important component of e-commerce. To ensure the security of payment, users need to set credential information, for example, set a payment password. During the user's payment process, if the credential information entered by the user is incorrect, the user is usually prompted to re-enter, switch to other authentication methods, or modify the payment authentication information. In traditional solutions, if the user chooses to modify the credential information during the payment process, the current payment process needs to be exited. After the credential information is successfully modified, the user then re-triggers the payment operation to complete the payment. In other words, the traditional solution causes the interruption of the user's current payment process. Therefore, traditional electronic payment solutions need to be further improved. Summary of the Invention

[0003] In a first aspect of the present disclosure, a method for electronic payment is provided. The method includes: in response to a payment request, providing a first authentication component associated with a first credential type; in response to the first input information obtained by the first authentication component failing to pass verification, presenting a credential modification component; obtaining second input information via the credential modification component; and updating the credential information corresponding to the first credential type based on the second input information and triggering a completion of the payment request.

[0004] In a second aspect of the present disclosure, an apparatus for electronic payment is provided. The apparatus includes: a first authentication component providing module configured to provide a first authentication component associated with a first credential type in response to a payment request; a credential modification component presenting module configured to present a credential modification component in response to the first input information obtained by the first authentication component failing to pass verification; a second input information obtaining module configured to obtain second input information via the credential modification component; and an updating module configured to update the credential information corresponding to the first credential type based on the second input information and trigger a completion of the payment request.

[0005] In a third aspect of the present disclosure, an electronic device is provided. The device includes at least one processor; and at least one memory, the at least one memory being coupled to the at least one processor and storing instructions for execution by the at least one processing unit. The instructions, when executed by the at least one processor, cause the device to execute the method of the first aspect.

[0006] In a fourth aspect of the present disclosure, a computer-readable storage medium is provided. A computer program is stored on the computer-readable storage medium, and the computer program can be executed by a processor to implement the method of the first aspect.

[0007] In a fifth aspect of the present disclosure, a computer program product is provided. The computer program product is tangibly stored in a computer storage medium and includes computer-executable instructions that, when executed by a device, cause the device to execute the method of the first aspect.

[0008] It should be understood that the content described in this part is not intended to define the key features or important features of the embodiments of the present disclosure, nor is it used to limit the scope of the present disclosure. Other features of the present disclosure will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0009] In conjunction with the accompanying drawings and with reference to the following detailed description, the above and other features, advantages, and aspects of the embodiments of the present disclosure will become more apparent. In the drawings, the same or similar reference numerals denote the same or similar elements, where:

[0010] Figure 1 A schematic diagram showing an example environment in which embodiments of the present disclosure can be implemented;

[0011] Figures 2A to 2J An example interface showing some embodiments of the present disclosure;

[0012] Figure 3 An interaction flowchart showing some embodiments of the present disclosure;

[0013] Figure 4 A flowchart showing an example process of electronic payment according to some embodiments of the present disclosure;

[0014] Figure 5 A schematic structural block diagram showing an example device for electronic payment according to some embodiments of the present disclosure; and

[0015] Figure 6 A block diagram showing an electronic device capable of implementing multiple embodiments of the present disclosure. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0016] Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although some embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure can be implemented in various forms and should not be construed as limited to the embodiments set forth herein. On the contrary, these embodiments are provided to more thoroughly and completely understand the present disclosure. It should be understood that the drawings and embodiments of the present disclosure are only for exemplary purposes and are not used to limit the protection scope of the present disclosure.

[0017] In the description of the embodiments of the present disclosure, the term "including" and its similar terms should be understood as open inclusion, that is, "including but not limited to". The term "based on" should be understood as "at least partially based on". The term "an embodiment" or "the embodiment" should be understood as "at least one embodiment". The term "some embodiments" should be understood as "at least some embodiments". There may also be other explicit and implicit definitions hereinafter.

[0018] In this document, unless otherwise specified, performing a step "in response to A" does not mean that the step is immediately executed after "A", but may include one or more intermediate steps.

[0019] It can be understood that the data involved in the technical solution (including but not limited to the data itself, the acquisition or use of the data) should comply with the requirements of the corresponding laws, regulations and related provisions.

[0020] It can be understood that before using the technical solutions disclosed in the embodiments of the present disclosure, the types, scope of use, usage scenarios, etc. of the personal information involved in the present disclosure should be informed to the user and the user's authorization should be obtained in an appropriate manner according to the relevant laws and regulations.

[0021] For example, when a user's active request is received, a prompt message is sent to the user to clearly prompt the user that the operation requested to be executed will require the acquisition and use of the user's personal information, so that the user can autonomously choose whether to provide personal information to the software or hardware such as an electronic device, an application, a server or a storage medium that performs the operation of the technical solution of the present disclosure according to the prompt message.

[0022] As an optional but non-limiting implementation manner, the manner of sending a prompt message to the user in response to receiving the user's active request may be, for example, in the form of a pop-up window, and the prompt message may be presented in text in the pop-up window. In addition, the pop-up window may also carry a selection control for the user to choose "agree" or "disagree" to provide personal information to the electronic device.

[0023] It can be understood that the above process of notifying and obtaining the user's authorization is only illustrative and does not limit the implementation manner of the present disclosure. Other manners that meet the relevant laws and regulations can also be applied to the implementation manner of the present disclosure.

[0024] As briefly discussed above, e-commerce has become an indispensable part of people's daily lives. Through e-commerce, people can obtain various required objects, including but not limited to, goods, services, and so on. The payment process is an important component of e-commerce. To ensure payment security, users need to set credential information, for example, set a payment password. During the user's payment process, if the credential information entered by the user is incorrect, the user is usually prompted to re-enter, switch to other authentication methods, or modify the payment authentication information.

[0025] As an example scenario, in the process of completing payment using password verification, if the user forgets the payment password and needs to trigger the operation of modifying the password, the user needs to exit the password verification page. Similarly, the user needs to verify their identity through methods such as SMS verification or face recognition. After the identity verification is passed, the user can trigger the password modification process, that is, enter a new payment password to complete the modification of the payment password. After the password modification is successful, the user needs to return to the password verification page to verify with the modified new payment password to complete the payment operation.

[0026] It can be seen that in the traditional solution, if the user needs to select to modify the credential information during the payment process, they need to jump out of the current payment process, and the entire process of modifying the password and making the payment is relatively cumbersome. In other words, the traditional solution will cause the interruption of the user's current payment process. Therefore, the traditional electronic payment solution needs to be further improved.

[0027] Embodiments of the present disclosure propose an electronic payment solution. The solution includes: in response to a payment request, providing a first authentication component associated with a first credential type; in response to the first input information obtained by the first authentication component failing to pass verification, presenting a credential modification component; obtaining second input information via the credential modification component; and updating the credential information corresponding to the first credential type based on the second input information and triggering the completion of the payment request. In this way, the user can complete the modification of the credential information without interrupting the current payment operation.

[0028] It should be understood that the term "object" in the present disclosure refers to any object that can be traded through an electronic platform, including real objects and virtual objects. For example, including but not limited to, goods, virtual resources, and / or services, etc. Briefly, the present disclosure is not limited in terms of the specific form of the object.

[0029] The following further describes various example implementations of the solution in detail with reference to the accompanying drawings.

[0030] Example environment

[0031] Figure 1FIG. shows a schematic diagram of an exemplary environment 100 in which embodiments of the present disclosure can be implemented. In this exemplary environment 100, an application 120 is installed in a terminal device 150. A user 140 can interact with the application 120 via the terminal device 150 and / or an attached device of the terminal device 150.

[0032] In Figure 1 the environment 100, if the application 120 is active, the terminal device 150 can present a page 160 of the application 120. The page 160 can include various types of pages that the application 120 can provide, such as an information display page, a consumption page, a bill query page, and so on.

[0033] In some embodiments, the terminal device 150 can communicate with a server 130 to implement the supply of services for the application 120. The terminal device 150 can be any type of mobile terminal, fixed terminal, or portable terminal, including a mobile phone, a desktop computer, a laptop computer, a notebook computer, a netbook computer, a tablet computer, a media computer, a multimedia tablet, a personal communication system (PCS) device, a personal navigation device, a personal digital assistant (PDA), an audio / video player, a digital camera / video camera, a positioning device, a television receiver, a radio broadcast receiver, an e-book device, a gaming device, or any combination of the foregoing, including accessories and peripherals of these devices or any combination thereof. In some embodiments, the terminal device 150 can also support any type of interface for the user (such as a "wearable" circuit, etc.). The server 130 can be various types of computing systems / servers capable of providing computing capabilities, including but not limited to mainframes, edge computing nodes, computing devices in a cloud environment, and so on.

[0034] In some embodiments, the terminal device 150 and the server 130 can cooperate to provide a specific service for the user 140. In some exemplary embodiments of the present disclosure, an example process is described with the terminal device 150 as the execution subject. It should be understood that the described example process can be implemented by the cooperation of the terminal device 150 and the server 130. For the sake of brevity only, the same or similar content will not be repeated. In the present disclosure, the terminal device 150 and / or the server 130 can be referred to as an electronic device 110.

[0035] It should be understood that the structures and functions of the various elements in the environment 100 are described only for exemplary purposes and do not imply any limitation on the scope of the present disclosure. Various example implementations of the present disclosure will be described in detail below.

[0036] Example interaction

[0037] Figures 2A to 2JShows an example user interface at the requester side according to some embodiments of the present disclosure. It should be understood that the user interfaces shown in the drawings are merely examples, and various user interface designs may actually exist. Each graphical element in the user interface may have different arrangements and different visual representations, one or more of which may be omitted or replaced, and there may also be one or more other elements. Embodiments of the present disclosure are not limited in this regard. Figures 2A to 2J The exemplified user interface may be presented on the terminal device 150.

[0038] In operation, in response to a payment request, the electronic device 110 provides a first authentication component associated with a first voucher type. Merely by way of example, see Figure 2A and 2B the exemplified user interface shown. In Figure 2A , when the user 140 clicks the submit order control 210, the user interface switches to the exemplified user interface as shown in Figure 2B . As shown in Figure 2B , a first authentication component for receiving the user's payment password is presented in the user interface. It should be understood that in other embodiments, the user 140 may trigger the payment request in any manner, including but not limited to, scanning a payment code, proximity payment, etc. In short, the present disclosure is not limited in terms of obtaining a payment order.

[0039] Next, in response to the first input information obtained by the first authentication component failing to pass the verification, the electronic device 110 presents a voucher modification component. Merely by way of example, see Figure 2B and Figure 2D the exemplified user interfaces shown. In operation, the user 140 may receive the payment password provided by the user 140 via the Figure 2B exemplified user interface. If the payment password provided by the user 149 is incorrect, the user interface may be as shown in Figure 2D . A voucher modification component, that is, a payment password modification component, is presented in the exemplified user interface shown in Figure 2D . Via the voucher modification component, the user 140 may modify the voucher information, that is, modify the payment password.

[0040] According to some embodiments of the present disclosure, as discussed below, the electronic device 110 may present the voucher modification component only when certain conditions are met.

[0041] In some embodiments, the electronic device 110 obtains a plurality of input vouchers via the first authentication component, and the electronic device 110 presents the voucher modification component only in response to all the plurality of input vouchers failing to pass the verification. See Figure 2BIn operation, user 140 may receive a payment password via the first authentication component. When the number of times that user 140 enters an incorrect payment password is greater than or equal to a threshold, the following example is displayed: Figure 2D In this way, it is possible to more accurately determine whether user 140 needs to modify credential information, thereby avoiding unnecessary triggering of the credential modification component.

[0042] Further, in some embodiments, if the input credentials provided by the user 140 are incorrect, the electronic device 110 may present a prompt message to the user 140, indicating that the input credential information is incorrect and guiding the user 140 to provide the input credentials again. When the user 140 provides incorrect input credentials for a predetermined number of times, the electronic device 110 presents a credential modification component. In this way, the user's operation can be better guided and the interaction with the user can be optimized.

[0043] Furthermore, in some embodiments, to improve the security of the payment process, the first authentication component displays the input credentials in an encrypted form, for example, presenting the input password in the form of a black dot or a black asterisk, etc. In this way, the leakage of the password can be effectively avoided.

[0044] In some embodiments, the electronic device 110 may determine whether to present the credential modification component based on the user information of the user 140 who initiated the payment request. Specifically, in compliance with relevant legal provisions, the electronic device 110 may determine whether to present the credential modification component based on the user information (e.g., the user's credit rating, etc.). For example, the credential modification component is presented only when the credit rating of the user 140 is higher than the predetermined standard. On the contrary, when the credit rating of the user 140 does not meet the predetermined standard, the user is only allowed to complete the modification of the credential information by other means. In another embodiment, it can be determined whether a more secure identity authentication method is bound. If a more secure identity authentication method is bound, the credential modification component is presented. For example, the user 140 uses a password to authenticate the payment operation. If the password is entered incorrectly, it is confirmed whether a more secure identity authentication method is bound, such as fingerprint, face, iris, short message verification code, voice, etc. If it is confirmed that fingerprint, face, and iris are bound, the credential modification component is presented. In this way, the security of the system is improved.

[0045] Alternatively, in some embodiments, the electronic device 110 determines whether to present the voucher modification component based on the order information associated with the payment request. As an example, the electronic device 110 presents the voucher modification component only when the payment amount of the order is lower than a preset amount, and / or when the merchant corresponding to the payment order supports the function, and / or when the corresponding third-party payment entity (e.g., a contracted bank) supports the function, and / or other conditions are met.

[0046] Alternatively, in some embodiments, when in compliance with relevant legal requirements, the electronic device 110 determines whether to present the voucher modification component based on the historical behavior data of the user who initiates the payment request. As an example, if the number of historical interaction behaviors of the user 140 exceeds a predetermined number (for example, the number of orders on the platform is greater than a threshold), the electronic device 110 presents the voucher modification component.

[0047] Alternatively, in some embodiments, the electronic device 110 determines whether to present the voucher modification component based on the environmental information of the device that initiates the payment request. As an example, if it is determined that the network used by the user 140 is a network with relatively low security (for example, a public wireless local area network), or the user 140 is in a bustling commercial area, the voucher modification component is not presented. On the contrary, if it is determined that the network used by the user 140 is a network with relatively high security (for example, a cellular wireless network), the voucher modification component is presented.

[0048] Alternatively, in some embodiments, the electronic device 110 determines whether to present the voucher modification component based on the device information of the device that initiates the payment request. For example, it is determined whether to present the voucher modification component according to the operating system of the device, whether the device supports biometric authentication, the resolution, and so on. As an example, when it is determined that the device can provide video authentication information with a relatively high resolution, the electronic device 110 presents the voucher modification component.

[0049] In some embodiments, in response to the first input information obtained by the first authentication component failing to pass the verification, the electronic device 110 provides a second authentication component associated with a second voucher type, where the second voucher type is different from the first voucher type. In response to completing the identity authentication via the second authentication component, the electronic device 110 presents the voucher modification component. In this way, the electronic device 110 authenticates the user with the voucher information of the second voucher type, so as to provide security authentication for the subsequent modification and / or payment operation of the voucher information of the first voucher type.

[0050] Through the above embodiments, the electronic payment method discussed in the present disclosure can be selectively activated, thereby improving the security of the system.

[0051] As discussed below, according to some embodiments of the present disclosure, the user 140 can choose whether to modify the authentication voucher. Specifically, in some embodiments, in response to the first input information obtained by the first authentication component failing to pass the verification, the electronic device 110 may present a first prompt message, where the first prompt message is used to guide the modification of the voucher information corresponding to the first voucher type. In response to a preset operation on the first prompt message, the electronic device 110 presents the voucher modification component. Refer to Figure 2C and 2DThe example user interface shown. In operation, in response to the first input information obtained by the first authentication component failing to pass verification, the electronic device 110 may present a prompt message 230 as shown in Figure 2C In response to the confirmation operation of the user 140 for the first prompt message, the electronic device 110 presents an example user interface as shown in Figure 2D the example user interface shown.

[0052] Next, the electronic device 110 obtains second input information via the credential modification component. Next, the electronic device 110 updates the credential information corresponding to the first credential type based on the second input information and triggers a payment completion request. In this way, the user can complete the modification of the payment credential without interrupting the current payment operation.

[0053] Furthermore, according to some embodiments of the present disclosure, the user's credential modification operation / payment operation can be performed through the credential information of the second credential type.

[0054] In some embodiments, in response to obtaining second input information via the credential modification component, a second authentication component associated with the second credential type is provided, and the second credential type is different from the first credential type. Refer to the example user interfaces shown in Figure 2D and 2F and 2G. The user 140 can receive the second input information, that is, the modified payment password, through the Figure 2D credential modification component of. Optionally, the electronic device 110 may authenticate the legality of the input password, as shown in the example user interface in Figure 2F . On the premise that the payment password input by the user 140 is legal, a second authentication component associated with the second credential type may be presented, as shown in Figure 2G . In this way, the user 140 can trigger the modification of the authentication credential during the payment operation without interrupting the current payment operation.

[0055] In some embodiments, in order to ensure the correctness of the modified credential information, the user 140 may be required to provide the modified credential information again. Specifically, in some embodiments, the electronic device 110 obtains a first input credential and a second input credential via the credential modification component, and in response to the first input credential and the second input credential matching, provides a second authentication component. Refer to the example user interface shown in Figures 2D to 2G . In operation, the user 140 provides the first input credential via the Figure 2D example user interface and provides the second input credential via the Figure 2E example user interface. If the first input credential and the second input credential match, that is, Figure 2F the authentication passes, then a second authentication component associated with the second credential type may be presented, as shown in Figure 2GAs shown. Accordingly, the electronic device 110 obtains a first input credential and a second input credential via a credential modification component. In response to the first input credential and the second input credential not matching, the electronic device 110 presents a second prompt message for guiding the re - provision of the input credential. In this way, the system tolerance for improper user 140 operations is improved.

[0056] In some embodiments, if the number of unsatisfactory input credentials entered by the user 140 exceeds a predetermined number, the current process is exited, and a failure in authentication credential modification is prompted. In this way, the security of the system is improved.

[0057] According to various embodiments of the present disclosure, the second credential type is different from the first credential type. In some embodiments, the first security level corresponding to the first credential type is lower than the second security level corresponding to the second credential type. In some embodiments, the first credential type includes a password credential, and the second credential type includes a biometric information credential. Examples of biometric information credentials include, but are not limited to, fingerprint information, iris information, face information, and voice information. Alternatively, the second credential type can also be other methods such as a short message verification code. In this way, a higher - security - level authentication process can be used to verify the modification process of lower - security - level credential information. Thus, the security of the credential modification process is improved.

[0058] In some embodiments, there can be multiple authentication methods. In this case, the user 140 can be allowed to freely select which specific authentication method to use to complete the identity authentication, or the system can determine which authentication method to use to complete the identity authentication.

[0059] In some embodiments, the electronic device 110 can present an authentication method selection component indicating multiple authentication methods. In response to the selection of a target authentication method among the multiple authentication methods, the electronic device 110 can present a second authentication component corresponding to the target authentication method. As an example, there are multiple authentication methods such as password authentication, fingerprint authentication, face authentication, and / or iris authentication. When the user 140 selects to complete the payment through password authentication and the entered payment password is incorrect, the modification of the payment password can be triggered. In this case, if the electronic device 110 determines that there are multiple authentication methods such as fingerprint authentication, face authentication, and / or iris authentication (optionally, the security levels of these authentication methods are all higher than password authentication), the electronic device 110 can present an authentication method selection component so that the user 140 can freely select the authentication method. If the user 140 selects face authentication, a second authentication component corresponding to face authentication can be presented. Similarly, if the user 140 selects fingerprint / iris authentication, a second authentication component corresponding to fingerprint / iris authentication can be presented.

[0060] Alternatively, when there are multiple authentication methods, the electronic device 110 may select the corresponding authentication method according to a predetermined rule. As an example embodiment, the electronic device 110 may use face authentication as the default second credential type. As another example embodiment, the electronic device 110 determines the authentication method with the highest security level as the second credential type. For example, if fingerprint authentication and face authentication are both supported, face authentication is used as the default second credential type.

[0061] Next, in response to completing the identity authentication via the second authentication component, the electronic device 110 triggers a payment request completion and triggers an update of the credential information corresponding to the first credential type based on the second input information. Refer to Figures 2H to 2J the example user interface. The user 140 may provide the credential information of the second credential type, that is, face authentication, via Figure 2H the example user interface. If the second authentication component completes the identity authentication, the modification of the credential information and the payment of the order are completed (as shown in Figure 2I and 2J ). In this way, the user can complete the modification of the authentication credential without interrupting the current payment operation. In other words, the various embodiments of the present disclosure can simplify the operation process, reduce repetitive operations, and improve the payment efficiency.

[0062] For a better understanding of the various embodiments in this field, Figure 3 an interaction flow chart according to some embodiments of the present disclosure is shown to further describe the example operations of the present disclosure. It should be understood that Figure 3 the example interaction flow shown should not be construed as a limitation on the various embodiments of the present disclosure. In fact, the electronic payment process of the present disclosure may include more or fewer operations.

[0063] As Figure 3 shown, in the operation, at action 302, the service platform (e.g., the cashier desk) may ask the decision module whether it supports the function of modifying the password and making a payment, that is, the various embodiments discussed in the present disclosure. At action 304, the decision module may return to the service platform that it supports the function of modifying the password and making a payment. As discussed above, it can be determined whether the function of modifying the password and making a payment is supported based on the environmental information of the payment request initiation, the device information of the device initiating the payment request, the user information of the user initiating the payment request, the order information associated with the payment request, and the historical behavior data of the user initiating the payment request, etc.

[0064] As Figure 3 shown, at action 306, if the user enters the payment password wrong N times, where N is an integer greater than or equal to one, that is, the first input information fails the verification. At action 308, the user is optionally guided to modify the payment password (as shown in Figure 2Cas described above, that is, modify the voucher information corresponding to the first voucher type).

[0065] As discussed above, user 140 can input the modified voucher information one or more times. At box 30010, the user may only need to input the modified voucher information once. At action 310, the user can input a new authentication voucher, for example, a payment password. At action 312, the service platform can verify the legality of the password, and at action 314, the service platform can determine that the password is legal. When it is determined that the password is legal, at action 316, the service platform can call the management platform (for example, the membership platform) to display the face-swiping page.

[0066] Box 30020 describes an example where the user needs to input the modified voucher information twice. At action 318, the user can input a new authentication voucher, for example, a payment password. At action 320, the service platform can verify the legality of the password, and at action 322, it can determine that the password is legal. At actions 324 - 328, the user can input the new password again, and the service platform can verify whether the two passwords are the same at action 326. If it is determined at action 328 that the two passwords are the same, then at action 330, the service platform can call the management platform (for example, the membership platform) to display the face-swiping page.

[0067] Box 30030 describes the authentication and processing of the voucher information of the second voucher type. At action 332, the user performs a face verification. If at action 334, it is confirmed that the face verification is passed, then at action 336, the password reset is completed. At action 338, the management platform indicates to the service platform that the password reset is successful, and the service platform completes the payment operation at action 340.

[0068] Box 30040 describes the processing when the password verification is illegal. At action 342, if it is determined that the password is illegal, then at action 344, the service platform returns the reason for the error and prompts the user to re-enter the new payment voucher.

[0069] In this way, the user can complete the modification of the voucher information without interrupting the current payment operation. More specifically, some embodiments of the present disclosure provide a convenient solution for modifying the voucher information (such as password) corresponding to the first voucher type and simultaneously completing the payment. In this solution, it supports the user to first input the new voucher information (such as the new payment password) on the voucher information verification page corresponding to the first voucher type, and then perform identity verification through the authentication method of the second voucher type (such as face verification, etc.). When the identity verification is passed, the modification of the voucher information of the first voucher type can be completed, and at the same time, the payment deduction is performed. The user does not need to input the modified payment password for verification again. Thus, the payment process is simplified.

[0070] Example method

[0071] Figure 4 The flowchart of an example process 400 for electronic payment according to some embodiments of the present disclosure is shown. Process 400 may be implemented at the electronic device 110. The following is described with reference to Figure 1 to describe process 400.

[0072] At block 410, in response to a payment request, the electronic device provides a first authentication component associated with a first credential type.

[0073] At block 420, in response to the first input information obtained by the first authentication component failing to pass verification, the electronic device presents a credential modification component.

[0074] At block 430, the electronic device obtains second input information via the credential modification component.

[0075] At block 440, the electronic device updates the credential information corresponding to the first credential type based on the second input information and triggers a completion of the payment request.

[0076] In some embodiments, in response to obtaining the second input information via the credential modification component, the electronic device provides a second authentication component associated with a second credential type, where the second credential type is different from the first credential type, and updating the credential information corresponding to the first credential type based on the second input information includes: in response to completing identity authentication via the second authentication component, updating the credential information corresponding to the first credential type based on the second input information.

[0077] In some embodiments, the first credential type includes a password credential, and the second credential type includes a biometric credential.

[0078] In some embodiments, presenting the credential modification component in response to the first input information obtained by the first authentication component failing to pass verification includes: obtaining, via the first authentication component, a plurality of input credentials; and

[0079] presenting the credential modification component in response to all of the plurality of input credentials failing to pass verification.

[0080] In some embodiments, presenting the credential modification component in response to the first input information obtained by the first authentication component failing to pass verification includes: presenting a first prompt message for guiding the modification of the credential information corresponding to the first credential type in response to the first input information obtained by the first authentication component failing to pass verification; and presenting the credential modification component in response to a preset operation on the first prompt message.

[0081] In some embodiments, in response to obtaining second input information via a credential modification component, providing a second authentication component associated with a second credential type includes: obtaining a first input credential and a second input credential via the credential modification component; and providing the second authentication component in response to the first input credential and the second input credential matching.

[0082] In some embodiments, in response to the first input information obtained by the first authentication component failing verification, presenting a credential modification component includes: providing a second authentication component associated with a second credential type in response to the first input information obtained by the first authentication component failing verification, the second credential type being different from the first credential type; and presenting the credential modification component in response to completing identity authentication via the second authentication component.

[0083] In some embodiments, an electronic device obtains a first input credential and a second input credential via a credential modification component; and in response to the first input credential and the second input credential not matching, presents a second prompt message for guiding re - providing input credentials.

[0084] In some embodiments, a first security level corresponding to the first credential type is lower than a second security level corresponding to the second credential type.

[0085] In some embodiments, providing a second authentication component associated with a second credential type includes: presenting an authentication method selection component indicating multiple authentication methods; and presenting a second authentication component corresponding to a target authentication method in response to selection of the target authentication method among the multiple authentication methods.

[0086] In some embodiments, an electronic device determines whether to present a credential modification component based on at least one of the following: environmental information for initiating a payment request, device information of the device for initiating the payment request, user information of the user for initiating the payment request, order information associated with the payment request, and historical behavior data of the user for initiating the payment request.

[0087] Example apparatus and equipment

[0088] Embodiments of the present disclosure also provide corresponding apparatuses for implementing the above - mentioned methods or processes. Figure 5 A schematic structural block diagram of an example device 500 for electronic payment according to certain embodiments of the present disclosure is shown. Device 500 can be implemented as or included in an electronic device 110. Each module / component in device 500 can be implemented by hardware, software, firmware, or any combination thereof.

[0089] As Figure 5As shown, the device 500 includes: a first authentication component providing module 510, configured to provide a first authentication component associated with a first credential type in response to a payment request; a credential modification component presenting module 520, configured to present a credential modification component in response to the first input information obtained by the first authentication component failing to pass verification; a second input information obtaining module 530, configured to obtain second input information via the credential modification component; and an update module 540, configured to update the credential information corresponding to the first credential type based on the second input information and trigger a completion of the payment request.

[0090] In some embodiments, the device 500 further includes a second authentication component providing module, configured to: provide a second authentication component associated with a second credential type in response to obtaining the second input information via the credential modification component, the second credential type being different from the first credential type. The update module is further configured to: update the credential information corresponding to the first credential type based on the second input information in response to completing the authentication of identity via the second authentication component.

[0091] In some embodiments, the first credential type includes a password credential, and the second credential type includes a biometric information credential.

[0092] In some embodiments, the credential modification component presenting module 520 is further configured to: obtain a plurality of input credentials via the first authentication component; and present the credential modification component in response to all of the plurality of input credentials failing to pass verification.

[0093] In some embodiments, the credential modification component presenting module 520 is further configured to: present a first prompt message in response to the first input information obtained by the first authentication component failing to pass verification, the first prompt message being used to guide the modification of the credential information corresponding to the first credential type; and present the credential modification component in response to a preset operation on the first prompt message.

[0094] In some embodiments, the credential modification component presenting module 520 is further configured to: provide a second authentication component associated with a second credential type in response to the first input information obtained by the first authentication component failing to pass verification, the second credential type being different from the first credential type; and present the credential modification component in response to completing the authentication of identity via the second authentication component.

[0095] In some embodiments, the second authentication component providing module is further configured to: obtain a first input credential and a second input credential via the credential modification component; and provide the second authentication component in response to the first input credential and the second input credential matching.

[0096] In some embodiments, the apparatus 500 further includes a second prompt information presenting module, configured to: obtain a first input credential and a second input credential via a credential modification component; and in response to a mismatch between the first input credential and the second input credential, present second prompt information for guiding re-provision of the input credential.

[0097] In some embodiments, a first security level corresponding to a first credential type is lower than a second security level corresponding to a second credential type.

[0098] In some embodiments, the second authentication component providing module is further configured to present an authentication method selection component indicating multiple authentication methods; and in response to a selection of a target authentication method among the multiple authentication methods, present a second authentication component corresponding to the target authentication method.

[0099] In some embodiments, the apparatus 500 further includes a determination module, configured to: determine whether to present a credential modification component based on at least one of the following: environmental information for initiating a payment request, device information of a device for initiating a payment request, user information of a user for initiating a payment request, order information associated with the payment request, and historical behavior data of the user for initiating a payment request.

[0100] Figure 6 A block diagram of an electronic device 600 in which one or more embodiments of the present disclosure may be implemented is shown. It should be understood that Figure 6 The illustrated electronic device 600 is merely exemplary and should not impose any limitation on the functions and scope of the embodiments described herein. Figure 6 The illustrated electronic device 600 may be used to implement Figure 1 the electronic device 110.

[0101] As Figure 6 shown, the electronic device 600 is in the form of a general-purpose electronic device. The components of the electronic device 600 may include, but are not limited to, one or more processors or processing units 610, a memory 620, a storage device 630, one or more communication units 640, one or more input devices 650, and one or more output devices 660. The processing unit 610 may be an actual or virtual processor and be capable of performing various processes according to programs stored in the memory 620. In a multi-processor system, multiple processing units execute computer-executable instructions in parallel to improve the parallel processing ability of the electronic device 600.

[0102] The electronic device 600 generally includes multiple computer storage media. Such media can be any accessible media that the electronic device 600 can access, including but not limited to volatile and non-volatile media, removable and non-removable media. The memory 620 can be volatile memory (such as registers, caches, random access memory (RAM)), non-volatile memory (such as read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory), or some combination thereof. The storage device 630 can be removable or non-removable media and can include machine-readable media, such as a flash drive, a magnetic disk, or any other media that can be capable of storing information and / or data and can be accessed within the electronic device 600.

[0103] The electronic device 600 can further include additional removable / non-removable, volatile / non-volatile storage media. Although not shown in Figure 6 it, a disk drive for reading from or writing to a removable, non-volatile magnetic disk (such as a "floppy disk") and an optical disk drive for reading from or writing to a removable, non-volatile optical disk can be provided. In these cases, each drive can be connected to a bus (not shown) by one or more data media interfaces. The memory 620 can include a computer program product 625 having one or more program modules that are configured to perform the various methods or actions of the various embodiments of the present disclosure.

[0104] The communication unit 640 enables communication with other electronic devices via a communication medium. Additionally, the functions of the components of the electronic device 600 can be implemented by a single computing cluster or multiple computer machines that are capable of communicating via a communication connection. Thus, the electronic device 600 can operate in a networked environment using a logical connection with one or more other servers, network personal computers (PCs), or another network node.

[0105] The input device 650 can be one or more input devices, such as a mouse, a keyboard, a trackball, etc. The output device 660 can be one or more output devices, such as a display, a speaker, a printer, etc. The electronic device 600 can also communicate with one or more external devices (not shown) as needed via the communication unit 640, such as storage devices, display devices, etc., communicate with one or more devices that enable a user to interact with the electronic device 600, or communicate with any device that enables the electronic device 600 to communicate with one or more other electronic devices (such as a network card, a modem, etc.). Such communication can be performed via an input / output (I / O) interface (not shown).

[0106] According to an exemplary implementation of the present disclosure, a computer-readable storage medium is provided, on which computer-executable instructions are stored, and the computer-executable instructions are executed by a processor to implement the method described above. According to an exemplary implementation of the present disclosure, a computer program product is also provided, the computer program product being tangibly stored on a non-transitory computer-readable medium and including computer-executable instructions, and the computer-executable instructions being executed by a processor to implement the method described above.

[0107] Aspects of the present disclosure are described herein with reference to the flowcharts and / or block diagrams of methods, apparatuses, devices, and computer program products according to the present disclosure. It should be understood that each block of the flowcharts and / or block diagrams, and the combinations of blocks in the flowcharts and / or block diagrams, can be implemented by computer-readable program instructions.

[0108] These computer-readable program instructions can be provided to a processing unit of a general-purpose computer, a special-purpose computer, or other programmable data processing device, thereby producing a machine such that when these instructions are executed by the processing unit of the computer or other programmable data processing device, a device is produced that implements the functions / actions specified in one or more blocks of the flowchart and / or block diagram. These computer-readable program instructions can also be stored in a computer-readable storage medium, and these instructions cause a computer, a programmable data processing device, and / or other devices to work in a specific manner, so that the computer-readable medium storing the instructions includes a manufactured article, which includes instructions for implementing various aspects of the functions / actions specified in one or more blocks of the flowchart and / or block diagram.

[0109] The computer-readable program instructions can be loaded onto a computer, other programmable data processing device, or other device, so that a series of operation steps are executed on the computer, other programmable data processing device, or other device to produce a computer-implemented process, so that the instructions executed on the computer, other programmable data processing device, or other device implement the functions / actions specified in one or more blocks of the flowchart and / or block diagram.

[0110] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various implementations of the present disclosure. In this regard, each block in the flowchart or block diagram may represent a module, a segment of code, or a portion of an instruction, which contains one or more executable instructions for implementing a specified logical function. In some alternative implementations, the functions noted in the blocks may occur in a different order than that noted in the accompanying drawings. For example, two consecutive blocks may in fact be executed substantially in parallel, or they may sometimes be executed in the reverse order, depending upon the functionality involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can be implemented by a dedicated hardware-based system that performs the specified functions or acts, or by a combination of dedicated hardware and computer instructions.

[0111] The various implementations of the present disclosure have been described above. The foregoing description is exemplary, not exhaustive, and is not limited to the disclosed implementations. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the described implementations. The choice of terms used herein is intended to best explain the principles of the implementations, the practical application, or improvements made to the technology in the marketplace, or to enable others of ordinary skill in the art to understand the various implementations disclosed herein.

Claims

1. An electronic payment method, comprising: In response to the payment request, providing a first authentication component associated with a first credential type; In response to the first input information obtained by the first authentication component failing verification, presenting a credential modification component; Acquiring second input information via the credential modification component; as well as The credential information corresponding to the first credential type is updated based on the second input information and triggers completion of the payment request.

2. The method according to claim 1, further comprising: In response to obtaining second input information via the credential modification component, providing a second authentication component associated with a second credential type, the second credential type being different from the first credential type, wherein updating credential information corresponding to the first credential type based on the second input information comprises: In response to completing identity authentication via the second authentication component, credential information corresponding to the first credential type is updated based on the second input information.

3. The method of claim 2, wherein the first credential type comprises a password credential and the second credential type comprises a biometric credential.

4. The method according to claim 1, wherein in response to the first input information obtained by the first authentication component failing to pass verification, presenting the credential modification component comprises: obtaining, via the first authentication component, a plurality of input credentials; as well as In response to none of the plurality of input credentials passing validation, presenting the credential modification component.

5. The method according to claim 1, wherein in response to the first input information obtained by the first authentication component failing to pass verification, presenting the credential modification component comprises: In response to the first input information obtained by the first authentication component failing to pass verification, presenting first prompt information, wherein the first prompt information is used to guide modification of the credential information corresponding to the first credential type; as well as In response to a preset operation on the first prompt information, the credential modification component is presented.

6. The solution according to claim 1, wherein in response to the first input information obtained by the first authentication component failing to pass verification, presenting the credential modification component comprises: In response to the first input information obtained by the first authentication component failing verification, providing a second authentication component associated with a second credential type, the second credential type being different from the first credential type; and In response to completing identity authentication via the second authentication component, presenting the credential modification component.

7. The method of claim 2, wherein in response to obtaining second input information via the credential modification component, providing a second authentication component associated with a second credential type comprises: obtaining, via the credential modification component, a first input credential and a second input credential; as well as In response to the first input credential and the second input credential matching, the second authentication component is provided.

8. The method according to claim 1, further comprising: obtaining, via the credential modification component, a first input credential and a second input credential; as well as In response to the first input credential and the second input credential not matching, a second prompt information is presented, wherein the second prompt information is used to guide the user to re-provide the input credential.

9. The method of claim 2, wherein a first security level corresponding to the first credential type is lower than a second security level corresponding to the second credential type.

10. The method of claim 2, wherein providing a second authentication component associated with a second credential type comprises: Presenting an authentication mode selection component indicating multiple authentication modes; as well as In response to selection of a target authentication method among multiple authentication methods, a second authentication component corresponding to the target authentication method is presented.

11. The method according to claim 1, further comprising: Determining whether to present the credential modification component is based on at least one of the following: Environmental information for initiating the payment request, Device information of the device that initiated the payment request, User information of the user who initiated the payment request, order information associated with the payment request, and Historical behavior data of the user who initiated the payment request.

12. An electronic payment device, comprising: a first authentication component providing module configured to provide, in response to a payment request, a first authentication component associated with a first credential type; a credential modification component presentation module, configured to present a credential modification component in response to the first input information acquired by the first authentication component failing verification; A second input information acquisition module is configured to acquire the second input information via the credential modification component; as well as An updating module is configured to update the credential information corresponding to the first credential type based on the second input information and trigger the completion of the payment request.

13. An electronic device comprising: at least one processor; as well as At least one memory, the at least one memory is coupled to the at least one processor and stores instructions for execution by the at least one processing unit, the instructions, when executed by the at least one processor, causing the electronic device to perform the method according to any one of claims 1 to 11.

14. A computer-readable storage medium having a computer program stored thereon, wherein the computer program can be executed by a processor to implement the method according to any one of claims 1 to 11.

Images