Method, device, equipment and storage medium for electronic payment

Abstract

According to embodiments of the present disclosure, a method, apparatus, device and computer readable storage medium for electronic payment are provided. The method comprises providing a first authentication component associated with a first credential type in response to a payment request; presenting a credential modification component in response to first input information acquired by the first authentication component failing verification; acquiring second input information via the credential modification component; and updating credential information corresponding to the first credential type based on the second input information and triggering completion of the payment 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 in particular, to a method, apparatus, device and computer readable storage medium for electronic payment. BACKGROUND

[0002] Electronic commerce has become an indispensable part of people's daily life. Through electronic commerce, people can obtain various objects needed, including but not limited to, goods, services, etc. Payment process is an important component of electronic commerce. In order to ensure the security of payment, users need to set credential information, for example, set a payment password. In the user's payment process, if the user inputs the incorrect credential information, the user is usually prompted to re-enter, switch to other authentication methods or modify the authentication information. In the traditional scheme, if the user chooses to modify the credential information in the payment process, the user needs to exit the current payment process, and after the credential information is modified successfully, the user triggers the payment operation again to complete the payment. In other words, the traditional scheme will cause the interruption of the user's current payment process. Therefore, the traditional electronic payment scheme needs to be further improved. SUMMARY

[0003] In a first aspect of the present disclosure, a method for electronic payment is provided. The method comprises: in response to a payment request, providing a first authentication component associated with a first credential type; in response to 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 completed payment request.

[0004] In a second aspect of the present disclosure, an apparatus for electronic payment is provided. The apparatus comprises: a first authentication component providing module configured to, in response to a payment request, provide a first authentication component associated with a first credential type; a credential modification component presenting module configured to, in response to first input information obtained by the first authentication component failing to pass verification, present a credential modification component; 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 completed payment request.

[0005] In a third aspect of the present disclosure, an electronic device is provided. The device comprises at least one processor; and at least one memory 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 perform the method of the first aspect.

[0006] In a fourth aspect of the disclosure, a computer-readable storage medium is provided. The computer-readable storage medium has stored thereon a computer program, the computer program being executable by a processor to implement the method of the first aspect.

[0007] In a fifth aspect of the 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 perform the method of the first aspect.

[0008] It should be understood that nothing in the Summary is to be construed as a limitation on the scope of the embodiments of the disclosure or the claims. Other features, aspects, and advantages of the disclosure will become apparent from the following description, which is given by way of example only, with reference to the accompanying drawings. BRIEF DESCRIPTION OF DRAWINGS

[0009] The above and other features, aspects, and advantages of embodiments of the disclosure will become more apparent from the following detailed description, taken in conjunction with the accompanying drawings, in which like reference numerals denote like elements, and wherein:

[0010] FIG. 1 schematic diagram showing an example environment in which embodiments according to the disclosure can be implemented;

[0011] FIGS. 2A-2J shows an example interface according to some embodiments of the disclosure;

[0012] FIG. 3 shows an interaction flow diagram according to some embodiments of the disclosure;

[0013] FIG. 4 shows a flow diagram of an example process of electronic payment according to some embodiments of the disclosure;

[0014] FIG. 5 shows a schematic structural block diagram of an example apparatus of electronic payment according to some embodiments of the disclosure; and

[0015] FIG. 6 shows a block diagram of an electronic device capable of implementing a number of embodiments of the disclosure. DETAILED DESCRIPTION

[0016] Embodiments of the disclosure will be described below in greater detail with reference to the accompanying drawings. While certain embodiments of the disclosure are shown in the drawings, it should be understood that the disclosure can be embodied in various forms and should not be construed as being limited to the embodiments set forth herein; rather, these embodiments are provided so that the disclosure will be more thoroughly and completely understood. It should be understood that the drawings and embodiments of the disclosure are only for illustrative purposes and are not intended to limit the scope of protection of the disclosure.

[0017] In the description of embodiments of the present disclosure, the term "comprising" and its conjugations should be understood as open-ended, i.e., "including but not limited to". The term "based on" should be understood as "based at least in part on". The term "one embodiment" or "an embodiment" should be understood as "at least one embodiment". The term "some embodiments" should be understood as "at least some embodiments". Other explicit or implicit definitions can also be included below.

[0018] In this article, unless expressly stated, performing a step "in response to A" does not mean performing the step immediately after "A", but can include one or more intermediate steps.

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

[0020] It can be understood that before using the technical solutions disclosed in the embodiments of the present disclosure, the type of personal information involved in the present disclosure, the scope of use, the use scenario, etc. should be informed to the user and the authorization of the user should be obtained through appropriate means according to relevant laws and regulations.

[0021] For example, in response to receiving the active request of the user, the prompt information is sent to the user to explicitly prompt the user that the operation requested to be performed will need to obtain and use the personal information of the user, so that the user can voluntarily choose whether to provide the personal information to the software or hardware such as electronic device, application, server or storage medium, etc. that performs the operation of the technical solutions of the present disclosure according to the prompt information.

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

[0023] It can be understood that the above notification and user authorization process is only illustrative, and does not limit the implementation of the present disclosure, and other ways that meet the relevant laws and regulations can also be applied to the implementation of the present disclosure.

[0024] As briefly discussed above, e-commerce has become an integral part of people's daily life. Through e-commerce, people can obtain various desired objects, including but not limited to, goods, services, and the like. Payment process is an important component of e-commerce. In order to ensure the security of payment, users need to set credential information, for example, set a payment password. In the user's payment process, if the user inputs incorrect credential information, the user will usually be prompted to re-enter, switch to other authentication methods, or modify the authentication information for payment.

[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 password modification operation, the user needs to exit the password verification page. As above, the user needs to verify the identity through short message verification or face verification, and after the identity verification is passed, the user can trigger the password modification process, that is, input 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 use the modified new payment password for verification to complete the payment operation.

[0026] As can be seen, in the traditional scheme, if the user needs to modify the credential information in the payment process, the user needs to exit the current payment process, and the entire password modification and payment process is relatively cumbersome. In other words, the traditional scheme will cause the interruption of the user's current payment process. Therefore, the traditional e-payment scheme needs to be further improved.

[0027] Embodiments of the present disclosure propose an e-payment scheme. The scheme includes: in response to a payment request, providing a first authentication component associated with a first credential type; in response to 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 transacted through an electronic platform, including real objects and virtual objects, for example, including but not limited to, goods, virtual resources, and / or services, and the like. In short, the present disclosure is not limited in terms of the specific form of the object.

[0029] Various example implementations of the scheme are described in further detail below in conjunction with the accompanying drawings.

[0030] Example Environment

[0031] FIG. 1A schematic diagram illustrating an example environment 100 in which embodiments of the present disclosure can be implemented is shown. In this example environment 100, a terminal device 150 has an application 120 installed therein. 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 FIG. 1 In the environment 100, the terminal device 150 can render a page 160 of the application 120 if the application 120 is in an active state. The page 160 can include various types of pages that the application 120 can provide, such as an information presentation page, a consumption page, a bill inquiry page, and so on.

[0033] In some embodiments, the terminal device 150 can communicate with the server 130 to implement provisioning of services of the application 120. The terminal device 150 can be any type of mobile terminal, fixed terminal, or portable terminal including a mobile handset, 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 / camcorder, a positioning device, a television receiver, a radio broadcast receiver, an electronic book device, a game device, or any combination thereof, 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 to the user (such as "wearable" circuitry, etc.). The server 130 can be various types of computing systems / servers capable of providing computing power, 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 can cooperate with the server 130 to provide specific services for the user 140. In some example embodiments of the present disclosure, example procedures are described with the terminal device 150 as the performing subject. It should be understood that the described example procedures can be implemented by the terminal device 150 and the server 130 in cooperation. For brevity purposes 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 structure and function of the various elements in the environment 100 are described for illustrative purposes only, 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] FIGS. 2A-2JExample user interfaces for a requestor are shown in accordance with some embodiments of the present disclosure. It should be understood that the user interfaces shown in the figures are merely examples and that various user interface designs can actually be present. Various graphical elements in the user interfaces can have different arrangements and different visual representations, one or more of which can be omitted or replaced and one or more other elements can also be present. Embodiments of the present disclosure are not limited in this regard. FIGS. 2A-2J The example user interfaces can be presented at the terminal device 150.

[0038] In operation, in response to the payment request, the electronic device 110 provides a first authentication component associated with a first credential type. By way of example only, see the example user interfaces shown in FIG. 2A and 2B In FIG. 2A , the user 140, by clicking the submit order control 210, the user interface switches to the example user interface shown in FIG. 2B . As shown in FIG. 2B , a first authentication component for receiving a user payment password is presented in the user interface. It should be understood that in other embodiments, the user 140 can trigger the payment request in any manner, including but not limited to, scanning a payment code, near field payment, and the like. In short, the present disclosure is not limited in the obtaining of a payment order.

[0039] Next, in response to the first input information obtained by the first authentication component failing verification, the electronic device 110 presents a credential modification component. By way of example only, see the example user interfaces shown in FIG. 2B and FIG. 2D In operation, the user 140 can receive a payment password provided by the user 140 via the example user interface of FIG. 2B . If the payment password provided by the user 149 is incorrect, the user interface can be as shown in FIG. 2D . In the example user interface shown in FIG. 2D , a credential modification component, i.e., a payment password modification component, is presented. Via the credential modification component, the user 140 can modify the credential information, i.e., modify the payment password.

[0040] In accordance with some embodiments of the present disclosure, the electronic device 110 can present the credential modification component only when certain conditions are met, as discussed below.

[0041] In some embodiments, the electronic device 110 obtains a plurality of input credentials via the first authentication component, and in response to none of the plurality of input credentials passing verification, the electronic device 110 presents the credential modification component. See FIG. 2Bthe example user interface shown. In operation, the user 140 can receive a payment password via the first authentication component. When the user 140 inputs an incorrect payment password a number of times greater than or equal to a threshold, the credential modification component is presented as FIG. 2D the example user interface shown. In this way, it can be more accurate to determine whether the user 140 needs to modify the credential information, thereby avoiding unnecessary triggering of the credential modification component.

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

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

[0044] In some embodiments, the electronic device 110 can determine whether to present the credential modification component based on the user information of the user 140 initiating the payment request. Specifically, under the condition of complying with relevant legal regulations, the electronic device 110 can determine whether to present the credential modification component based on the user information (for example, the credit of the user, etc.). For example, when the credit level of the user 140 is higher than a predetermined standard, the credential modification component is presented. Conversely, when the credit level of the user 140 does not reach the predetermined standard, the user is only allowed to complete the modification of the credential information through other ways. In another embodiment, it can be determined whether a higher security identity authentication mode is bound. If the higher security identity authentication mode is bound, the credential modification component is presented. For example, the user 140 uses the password mode to authenticate the payment operation, if the password is input incorrectly, it is determined whether a higher security identity authentication mode is bound, for example, fingerprint, face, iris, short message verification code, voice, etc. If it is confirmed that the fingerprint, face, iris is 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 credential modification component based on the order information associated with the payment request. As an example, 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 (for example, the signing bank) supports the function, and / or other conditions are met, the electronic device 110 presents the credential modification component.

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

[0047] Alternatively, in some embodiments, the electronic device 110 determines whether to present the credential modification component based on environmental information of the payment request initiation. As an example, if it is determined that the network used by the user 140 is a less secure network (e.g., a public wireless local area network), or the user 140 is in a bustling business district, the credential modification component is not presented. Conversely, if it is determined that the network used by the user 140 is a more secure network (e.g., a cellular wireless network), the credential modification component is presented.

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

[0049] In some embodiments, in response to the first input information obtained by the first authentication component failing to pass verification, the electronic device 110 provides a second authentication component associated with a second credential type, wherein the second credential type is different from the first credential type. In response to completing identity authentication via the second authentication component, the electronic device 110 presents the credential modification component. In this way, the electronic device 110 authenticates the user through the credential information of the second credential type, thereby providing secure authentication for the modification of the credential information of the first credential type later and / or the payment operation.

[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 credential. Specifically, in some embodiments, in response to the first input information obtained by the first authentication component failing to pass verification, the electronic device 110 can present first prompt information, wherein the first prompt information is used to guide the modification of the credential information corresponding to the first credential type. In response to a preset operation on the first prompt information, the electronic device 110 presents the credential modification component. See FIG. 2C and 2Dthe first input information acquired by the first authentication component fails verification, the electronic device 110 can present the prompt information 230 as shown in FIG. 2C response to a confirmation operation of the user 140 with respect to the first prompt information, the electronic device 110 presents the example user interface as shown in FIG. 2D

[0052] Next, the electronic device 110 acquires the 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 the completion of the payment request. In this way, the user can complete the modification of the payment credential without interrupting the current payment operation.

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

[0054] In some embodiments, in response to acquiring the second input information via the credential modification component, a second authentication component associated with a second credential type different from the first credential type is provided. See the example user interfaces shown in FIG. 2D 、 2F and 2G. The user 140 can receive the second input information, i.e., the modified payment password, via the credential modification component of FIG. 2D Optionally, the electronic device 110 can authenticate the legality of the input password, as shown in the example user interface of FIG. 2F Under the premise that the payment password input by the user 140 is legal, the second authentication component associated with the second credential type can be presented, as shown in FIG. 2G In this way, the user 140 can trigger the authentication of the modification of the credential in the process of 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 can be required to provide the modified credential information again. Specifically, in some embodiments, the electronic device 110 acquires the first input credential and the second input credential via the credential modification component, and in response to the first input credential and the second input credential matching, the second authentication component is provided. See the example user interface shown in FIGS. 2D-2G In operation, the user 140 provides the first input credential via the example user interface of FIG. 2D and the second input credential via the example user interface of FIG. 2E If the first input credential and the second input credential match, i.e., the authentication of FIG. 2F is passed, the second authentication component associated with the second credential type can be presented, as shown in FIG. 2G ​The electronic device 110 presents the second prompt information in response to the first input credential and the second input credential not matching. In this way, the system tolerance for user 140 misoperation is improved.

[0056] In some embodiments, if the number of times that the input credential entered by the user 140 does not satisfy the requirement exceeds a predetermined number of times, the current process is exited and the authentication credential modification is prompted to fail. 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, a first security level corresponding to the first credential type is lower than a 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 the biometric information credential include, but are not limited to, fingerprint information, iris information, face information, voice information. Alternatively, the second credential type can also be a short message verification code or other manners. In this way, the modification process of the credential information of the lower security level can be checked by the identity verification process of the higher security level. Thus, the security of the credential modification process is improved.

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

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

[0060] Alternatively, when there are multiple authentication methods, the electronic device 110 can select a corresponding authentication method according to a predetermined rule. As an example embodiment, the electronic device 110 can take 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 both fingerprint authentication and face authentication are supported, face authentication is taken as the default second credential type.

[0061] Next, in response to completing identity authentication via the second authentication component, the electronic device 110 triggers completion of the payment request and triggers updating of the credential information corresponding to the first credential type based on the second input information. Referring to FIGS. 2H-2J , an example user interface is provided. The user 140 can provide the credential information of the second credential type, i.e., face authentication, via FIG. 2H . If the second authentication component completes identity authentication, the modification of the credential information and the payment of the order are completed (as shown in FIG. 2I and 2J ). In this way, the user does not need to interrupt the current payment operation, i.e., the modification of the authentication credential can be completed. In other words, various embodiments of the present disclosure can simplify the operation process, reduce repetitive operations, and improve payment efficiency.

[0062] For a better understanding of various embodiments in the art, FIG. 3 an interaction flow diagram is shown to further describe the example operations of the present disclosure according to some embodiments of the present disclosure. It should be understood that FIG. 3 the example interaction flow shown should not be understood as a limitation of various embodiments of the present disclosure. In fact, the electronic payment process of the present disclosure can include more or less operations.

[0063] As shown in FIG. 3 , in operation, at action 302, the service platform (e.g., a cash register) can inquire the decision module whether the password modification and payment function can be supported, i.e., various embodiments discussed in the present disclosure. At action 304, the decision module can return to the service platform that the password modification and payment function can be supported. As discussed above, whether the password modification and payment function can be supported can be determined based on the environmental information of initiating the payment request, 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 shown in FIG. 3 , at action 306, if the user enters the payment password incorrectly N times, where N is an integer greater than or equal to one, i.e., the first input information fails to pass the verification. At action 308, the user is optionally guided to modify the payment password (as shown in FIG. 2CThe modification of the credential information corresponding to the first credential type is performed.

[0065] As discussed above, the user 140 can input the modified credential information one or more times. In block 30010, the user can only need to input the modified credential information once. In act 310, the user can input a new authentication credential, e.g., a payment password. In act 312, the service platform can verify the password validity, and in act 314, the service platform can determine the password validity. In the case that the password validity is determined, in act 316, the service platform can invoke the management platform (e.g., the membership platform) to display the face verification page.

[0066] Block 30020 describes an example in which the user needs to input the modified credential information twice. In act 318, the user can input a new authentication credential, e.g., a payment password. In act 320, the service platform can verify the password validity, and in act 322, the service platform can determine the password validity. In acts 324-328, the user can input the new password again, and the service platform can verify whether the two passwords are consistent in act 326. If it is determined in act 328 that the two passwords are consistent, in act 330, the service platform can invoke the management platform (e.g., the membership platform) to display the face verification page.

[0067] Block 30030 describes the authentication and processing of the credential information of the second credential type. In act 332, the user performs face verification. If it is determined in act 334 that the face verification is passed, in act 336, the password resetting is completed. In act 338, the management platform indicates to the service platform that the password resetting is successful, and the service platform completes the payment operation in act 340.

[0068] Block 30040 describes the processing of the password verification being invalid. In act 342, if it is determined that the password is invalid, in act 344, the service platform returns an error reason and prompts the user to input a new payment credential again.

[0069] In this way, the user can complete the modification of the credential information without interrupting the current payment operation. More specifically, some embodiments of the present disclosure provide a convenient solution for modifying the credential information (e.g., a password) corresponding to the first credential type while completing the payment. In the solution, the user can first input new credential information (e.g., a new payment password) on the credential information verification page corresponding to the first credential type, and then perform identity verification through the authentication mode of the second credential type (e.g., face verification mode, etc.). When the identity verification is passed, the modification of the credential information of the first credential type is completed, and the payment deduction is also completed, so the user does not need to input the modified payment password for verification again. Thus, the payment process is simplified.

[0070] Example Method

[0071] FIG. 4 A flowchart illustrating an example process 400 of electronic payment according to some embodiments of the present disclosure is shown. The process 400 can be implemented at the electronic device 110. The process 400 is described below with reference to the electronic device 110. FIG. 1

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

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

[0074] At block 430, the electronic device acquires 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 completion of the payment request.

[0076] In some embodiments, the electronic device provides a second authentication component associated with a second credential type in response to the second input information being acquired via the credential modification component, the second credential type being different from the first credential type, wherein updating the credential information corresponding to the first credential type based on the second input information comprises: updating the credential information corresponding to the first credential type based on the second input information in response to completion of identity authentication via the second authentication component.

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

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

[0079] presenting the credential modification component in response to none of the plurality of input credentials passing verification.

[0080] In some embodiments, presenting the credential modification component in response to the first input information acquired by the first authentication component failing verification comprises: presenting first prompt information in response to the first input information acquired by the first authentication component failing verification, the first prompt information being used to guide modification of the credential information corresponding to the first credential type; and presenting the credential modification component in response to a preset operation on the first prompt information.

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

[0082] In some embodiments, in response to the first input information obtained by the first authentication component failing 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.

[0083] In some embodiments, the electronic device obtains, via the credential modification component, the first input credential and the second input credential; and in response to the first input credential and the second input credential not matching, presents second prompt information, the second prompt information being used to guide re-provision of the input credential.

[0084] 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.

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

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

[0087] Example Devices and Equipment

[0088] Embodiments of the present disclosure also provide a corresponding device for implementing the above method or process. FIG. 5 A schematic structural block diagram of an example device 500 for electronic payment according to certain embodiments of the present disclosure is shown. The device 500 can be implemented as or included in the electronic device 110. Various modules / components in the device 500 can be implemented by hardware, software, firmware, or any combination thereof.

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

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

[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 acquire, via the first authentication component, a plurality of input credentials; and present, in response to none of the plurality of input credentials passing verification, the credential modification component.

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

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

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

[0096] In some embodiments, the apparatus 500 further includes a second prompt information presenting module configured to: obtain the first input credential and the second input credential via the credential modifying component; and present a second prompt information in response to the first input credential and the second input credential not matching, the second prompt information being for guiding to re-provide the input credential.

[0097] 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.

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

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

[0100] FIG. 6 A block diagram of an electronic device 600 in which one or more embodiments of the disclosure can be implemented is shown. It should be understood that FIG. 6 The electronic device 600 shown is merely exemplary and should not be construed as limiting the scope of the embodiments described herein. FIG. 6 The electronic device 600 shown can be used to implement FIG. 1 the electronic device 110.

[0101] As FIG. 6 shown, the electronic device 600 is in the form of a general electronic device. Components of the electronic device 600 can 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 can be a real or virtual processor and is capable of executing various processing in accordance with 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 capability of the electronic device 600.

[0102] The electronic device 600 typically includes a plurality of computer storage media. Such media can be any available media that is accessible by the electronic device 600 and includes both volatile and nonvolatile media, removable and non-removable media. The memory 620 can be volatile (such as register, cache, RAM), non-volatile (such as ROM, EEPROM, flash memory), or some combination of the two. The storage device 630 can be a removable or non-removable media, and can include machine-readable media, such as flash drives, magnetic disks, or any other media that can be used to store information and / or data and that can be accessed by the electronic device 600.

[0103] The electronic device 600 can further include additional removable / non-removable, volatile / nonvolatile storage media. Although not shown in FIG. 6 FIG. 6, a disk drive for reading from or writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk"), and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM) can be provided. In such instances, each drive can be connected to the 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 configured to carry out the various methods or actions of the various embodiments of the present disclosure.

[0104] The communication unit 640 enables communications with other electronic devices over a communication medium. Additionally, the functionality of the components of the electronic device 600 can be implemented in a single computing cluster or a plurality of computer machines that are capable of communicating over a communication connection. As such, the electronic device 600 can operate in a networked environment using logical connections to one or more other servers, network personal computers (PCs), or another network nodes in the networking environment.

[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) such as a storage device, a display device, etc. through the communication unit 640, as needed, one or more devices that enable a user to interact with the electronic device 600, or any devices (e.g., a network card, a modem, etc.) that enable the electronic device 600 to communicate with one or more other electronic devices. Such communication can be carried out via an input / output (I / O) interface (not shown).

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

[0107] The computer readable program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other device to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks.

[0108] The computer readable program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other device to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks.

[0109] The computer readable program instructions can also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other device to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide processes for implementing the functions / acts specified in the flowchart and / or block diagram block or blocks.

[0110] The computer program product of the present disclosure can have a signal including said computer program. This signal can be electronic, electromagnetic, optical, or any other suitable type of signal. Such a signal can be provided through a communication connection, such as electrical wiring, optical fiber, wireless interface, etc. Examples of computer program products include computer program implemented on a personal computer, server, or other networked device. A non-transitory computer readable medium, such as a floppy disk, CD-ROM, DVD-ROM, Blu-ray Disc, hard disk drive, or any other suitable non-transitory computer readable medium can store the computer program product.

[0111] Having described several implementations of the present disclosure, it is to be appreciated various alterations, modifications, and improvements will readily occur to those skilled in the art. Such alterations, modifications, and improvements are intended to be part of this disclosure. Accordingly, the foregoing description is by way of example only and is not intended to be limiting. The implementation described herein is implementations of the present disclosure. Other implementations of the present disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the present disclosure. Therefore, this disclosure is intended to cover all such modifications and variations as fall within the scope of the implementations. It is intended that the specification and depicted embodiments are to be considered exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

Claims

1. A method of electronic payment, comprising: in response to a payment request, providing a first authentication component associated with a first credential type; in response to first input information acquired by the first authentication component failing verification, presenting a credential modification component; acquiring second input information via the credential modification component; and updating credential information corresponding to the first credential type based on the second input information and triggering completion of the payment request. 2.The method of claim 1, further comprising: in response to acquiring 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 the 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, updating the credential information corresponding to the first credential type 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 information credential. 4.The method of claim 1, wherein presenting the credential modification component in response to the first input information acquired by the first authentication component failing verification comprises: acquiring a plurality of input credentials via the first authentication component; and in response to all of the plurality of input credentials failing verification, presenting the credential modification component. 5.The method of claim 1, wherein presenting the credential modification component in response to the first input information acquired by the first authentication component failing verification comprises: in response to the first input information acquired by the first authentication component failing verification, presenting first prompt information, the first prompt information being used to guide modification of the credential information corresponding to the first credential type; and in response to a preset operation on the first prompt information, presenting the credential modification component. 6.The method of claim 1, wherein presenting the credential modification component in response to the first input information acquired by the first authentication component failing verification comprises: in response to the first input information acquired 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 providing the second authentication component associated with a second credential type in response to acquiring second input information via the credential modification component comprises: acquiring 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, providing the second authentication component. 8.The method of claim 1, further comprising: acquiring 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, providing the second authentication component. ​ ​ ​ ​ In response to the first input credential and the second input credential not matching, presenting second prompt information for guiding re-provision of input credentials. 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 method selection component indicating a plurality of authentication methods; and in response to selection of a target authentication method from the plurality of authentication methods, presenting the second authentication component corresponding to the target authentication method. determining whether to present the credential modification component based on at least one of:

11. The method of claim 1, further comprising: environment information of initiating the payment request, device information of a device initiating the payment request, user information of a user initiating the payment request, order information associated with the payment request, and historical behavior data of the user initiating the payment request. 12.An apparatus of electronic payment, comprising: 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 first input information acquired by the first authentication component failing verification; a second input information acquiring module configured to acquire second input information via the credential modification component; and an updating module configured to update credential information corresponding to the first credential type based on the second input information and trigger completion of the payment request. 13.An electronic device, comprising: at least one processor; and at least one memory coupled to the at least one processor and storing instructions for execution by the at least one processing unit, which when executed by the at least one processor cause the electronic device to perform the method according to any one of claims 1-11. 14.A computer readable storage medium having stored thereon a computer program executable by a processor to implement the method according to any one of claims 1-11. ​ ​ ​

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