Processing method and device of payment refusing request, equipment, medium and program product

Abstract

The embodiment of the invention provides a payment refusal request processing method and device, equipment, a medium and a program product, and relates to the technical field of computers, the method is executed by payment verification equipment, and the method can comprise the following steps: receiving a payment evidence providing request for target payment sent by payment refusal request processing equipment, the payment evidence providing request carries a payment identifier of a target payment, the target payment is payment based on a first biological characteristic and payment is successful, the first biological characteristic is a biological characteristic of a first part of a payer collected in the payment process, then based on the payment identifier, a second biological characteristic corresponding to the target payment is obtained, and the second biological characteristic is a biological characteristic of a second part of the payer. The second biological feature is a biological feature of a second part of the payer collected in the payment process, and then sending payment evidence information including the second biological feature to the payment refusing request processing device so as to perform processing based on the matching degree of the biological feature in the payment evidence information and the biological feature of the payment refusing requester.

Description

Technical Field

[0001] This application belongs to the field of computer technology, and more specifically, it relates to a method, apparatus, device, medium, and program product for processing a chargeback request. Background Technology

[0002] In today's digital age, electronic payment systems have become an indispensable part of commercial transactions, greatly promoting the convenience and efficiency of global economic activities. Payment, as a core link in the transaction process, involves the transfer of funds from the payer's account to the payee's account, typically through various channels such as bank cards and third-party payment platforms. With technological advancements, payment systems not only require high levels of security and stability but also the flexibility to quickly respond to market changes and user needs.

[0003] However, in practice, the payment process is not always smooth. When disputes arise, such as when the payer believes a payment or transaction may be fraudulent or an incorrect transaction, the payee may face a chargeback request from the payer. A chargeback request is when the payer, through a bank or payment institution, requests the payee to reverse a completed payment transaction. This mechanism aims to protect consumer rights, but it also presents merchants with potential financial risks and operational challenges, especially when chargeback requests are frequent and lack reasonable grounds.

[0004] In the process of handling chargeback requests, evidence plays a crucial role in verifying whether a transaction was initiated by the payer and whether there was any fraudulent or erroneous use of the funds. Therefore, obtaining more reasonable evidence to accurately verify the transactions for which the payer has initiated chargeback requests becomes a key issue. Summary of the Invention

[0005] The purpose of this application is to provide a method, apparatus, device, medium, and program product for processing chargeback requests that can obtain more reasonable evidence to more accurately verify transactions initiated by the payer. To achieve the above objective, the technical solution provided by this application is as follows: Firstly, a method for processing chargeback requests is provided, executed by a payment verification device, the method comprising: The system receives a payment evidence provision request for a target payment from a chargeback request processing device, wherein the payment evidence provision request carries a payment identifier of the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; the target payment is a payment made based on a first biometric feature and has been successfully paid; wherein the first biometric feature is a biometric feature of a first part of the payer collected during the payment process; Based on the payment identifier, a second biometric feature corresponding to the target payment is obtained; wherein, the second biometric feature is a biometric feature of a second part of the payer collected during the payment process; The payment rejection request processing device sends payment evidence information including the second biometric feature to process the payment rejection request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the payment rejection requester.

[0006] In another possible implementation, the second biometric feature contained in the first video frame does not match the second biometric feature contained in the third video frame; The step of sending payment evidence information including the second biometric feature to the chargeback request processing device includes: Payment evidence information containing the first video frame and the third video frame is sent to the chargeback request processing device, so that the chargeback request device can process the chargeback request in the following manner: If the second biometric feature contained in the first video frame matches the second biometric feature of the chargeback requester, then according to the payment time corresponding to the target payment, the seventh biometric feature corresponding to the first target payer is obtained, and the seventh biometric feature is matched with the second biometric feature contained in the third video frame. The chargeback request is processed based on the matching result; wherein, the first target payer is the payer who completes the payment after the target payment; wherein, the seventh biometric feature is the second part of the biometric feature corresponding to the first target payer; If the second biometric feature contained in the third video frame matches the second biometric feature of the chargeback requester, then according to the payment time corresponding to the target payment, the eighth biometric feature corresponding to the second target payer is obtained, and the eighth biometric feature is matched with the second biometric feature contained in the first video frame. The chargeback request is processed based on the matching result. Wherein, the second target payer is the payer who completed the payment before the target payment. Wherein, the seventh biometric feature is the second part of the biometric feature corresponding to the second target payer.

[0007] Secondly, a method for handling chargebacks is provided, executed by a chargeback request processing device, the method comprising: A payment evidence provision request is sent to the payment verification device; wherein the payment evidence provision request carries a payment identifier corresponding to the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; the target payment is a payment made based on a first biometric feature and has been successfully paid; wherein the first biometric feature is a biometric feature of a first part of the payer collected during the payment process; The system receives payment evidence information, including a second biometric feature, sent by the payment verification device. The second biometric feature is obtained by the payment verification device based on the payment identifier. The second biometric feature is a biometric feature of a second part of the body collected during the payment process. The degree of matching between the biometric features in the payment evidence information and the biometric features of the chargeback requester is determined, and the chargeback request is processed based on the degree of matching.

[0008] In one possible implementation, the second biometric feature includes: second biometric feature information corresponding to two video frames respectively, one video frame being a video frame captured by the payment feature acquisition device before capturing the first biometric feature of the payer, and the other video frame being a video frame captured by the payment feature acquisition device when it detects that the first biometric feature of the payer has left the shooting range; The step of determining the degree of matching between the biometric features in the payment evidence information and the biometric features of the chargeback requester, and processing the chargeback request based on the degree of matching, includes: Obtain the fifth biometric feature of the second part of the chargeback requester; Based on the second biometric information corresponding to the two video frames and the fifth biometric information, the degree of matching between the biometric information in the payment evidence information and the biometric information of the chargeback requester is determined. The chargeback request is processed based on the matching degree.

[0009] Thirdly, a device for processing chargeback requests is provided, the device being disposed in a payment verification device, the device comprising: A payment evidence provision request receiving module is used to receive a payment evidence provision request for a target payment sent by a chargeback request processing device. The payment evidence provision request carries a payment identifier of the target payment. The payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier. The target payment is a payment made based on a first biometric feature and has been successfully completed. The first biometric feature is a biometric feature of a first part of the payer collected during the payment process. The acquisition module is used to acquire the second biometric feature corresponding to the target payment based on the payment identifier; wherein, the second biometric feature is the biometric feature of the second part of the payer collected during the payment process; The payment evidence information sending module is used to send payment evidence information including the second biometric feature to the chargeback request processing device, so as to process the chargeback request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the chargeback requester.

[0010] In another possible implementation, the apparatus further includes: a first determining module and a second determining module, wherein, The first determining module is used to determine the payer identifier corresponding to the target payment based on the payment identifier; The second determining module is used to determine the third biometric feature bound to the payer identifier; wherein, the third biometric feature is the biometric feature of the first part registered by the object corresponding to the payer identifier; The payment evidence information further includes the third biometric feature, and the biometric feature of the chargeback requester includes the fourth biometric feature of the first part and the fifth biometric feature of the second part of the chargeback requester. The matching degree includes the matching degree between the second biometric feature and the fifth biometric feature, and the matching degree between the third biometric feature and the fourth biometric feature.

[0011] In another possible implementation, when the acquisition module acquires the second biometric feature corresponding to the target payment based on the payment identifier, it is specifically used for: A biometric feature acquisition request is sent to the target storage device; wherein the biometric feature request includes the payment identifier; the target storage device stores the second part of the biometric features of the payer corresponding to the payment identifier of each payment; Receive the second biometric feature corresponding to the target payment sent by the target storage device.

[0012] In another possible implementation, the payment evidence information is collected by a payment feature collection device and stored in the target storage device in the following manner: Receive a payment request for the target payment; In response to the payment request, a target video stream is acquired, and upon receiving payment success information, the first and second biometric features of the payer are stored in the target storage device; wherein, the target video stream includes at least the first and second biometric features of the payer. In another possible implementation, the acquisition of the target video stream and, upon receiving a payment success message, the storage of the second biometric feature in the target storage device includes: A first video frame is captured; wherein the first video frame contains the second biometric feature corresponding to the payer; Output a first prompt message, which prompts the payer to provide a first biometric feature; Acquire a second video frame containing the first biometric feature; If a payment success message is received, and when the first part of the payer is detected to be out of the shooting range, a third video frame including the second biometric feature of the payer is captured; The first video frame, the third video frame, and the corresponding payment identifier are sent to the target storage device so that the target storage device stores the second biometric feature contained in the first video frame, the second biometric feature contained in the third video frame, and the payment identifier in association.

[0013] In another possible implementation, the second biometric feature contained in the first video frame matches the second biometric feature contained in the third video frame; Specifically, when the payment evidence information sending module sends payment evidence information including the second biometric feature to the chargeback request processing device, it is used to: Payment evidence information containing the first video frame and the third video frame is sent to the chargeback request processing device, so that the chargeback request device can process the chargeback request in the following manner: If the fifth biometric feature of the second part of the chargeback requester matches the target second biometric feature, the chargeback request is rejected and a first notification message is sent to the chargeback requester; wherein the target second biometric feature is the second biometric feature contained in the first video frame or the third video frame; the first notification message carries the matching result of the second biometric feature and is used to notify the chargeback requester that the chargeback request processing device has rejected the chargeback request.

[0014] In another possible implementation, the chargeback request device processes the chargeback request in the following manner: If the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, the target second biometric feature is matched with the second biometric feature of the object that is associated with the chargeback requester; If a target object with a matching second biometric feature exists among the associated objects, a second notification message carrying the second biometric feature of the target object is sent to the chargeback requester; wherein, the second notification message is used to notify the chargeback requester that the target payment was completed by the target object; Receive the response information from the party requesting the chargeback in response to the second notification message, and process the chargeback request based on the response information.

[0015] In another possible implementation, the chargeback request device processes the chargeback request in the following manner: If the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, the chargeback request is approved, and the successfully paid amount is returned to the chargeback requester's account.

[0016] In another possible implementation, the second biometric feature contained in the first video frame does not match the second biometric feature contained in the third video frame; Specifically, when the payment evidence information sending module sends payment evidence information including the second biometric feature to the chargeback request processing device, it is used to: Payment evidence information containing the first video frame and the third video frame is sent to the chargeback request processing device, so that the chargeback request device can process the chargeback request in the following manner: If the second biometric feature contained in the first video frame matches the second biometric feature of the chargeback requester, then according to the payment time corresponding to the target payment, the seventh biometric feature corresponding to the first target payer is obtained, and the seventh biometric feature is matched with the second biometric feature contained in the third video frame. The chargeback request is processed based on the matching result; wherein, the first target payer is the payer who completes the payment after the target payment; wherein, the seventh biometric feature is the second part of the biometric feature corresponding to the first target payer; If the second biometric feature contained in the third video frame matches the second biometric feature of the chargeback requester, then according to the payment time corresponding to the target payment, the eighth biometric feature corresponding to the second target payer is obtained, and the eighth biometric feature is matched with the second biometric feature contained in the first video frame. The chargeback request is processed based on the matching result. Wherein, the second target payer is the payer who completed the payment before the target payment. Wherein, the seventh biometric feature is the second part of the biometric feature corresponding to the second target payer.

[0017] In another possible implementation, the target storage device stores the biometric features and storage keys of each payer's second part in association. The storage key of a payer is obtained by encrypting the payer's payment identifier, payer identifier, initial key, and the device identifier of the corresponding payment feature collection device; the initial key is stored in the payment feature collection device. Specifically, when the acquisition module acquires the second biometric feature corresponding to the target payment based on the payment identifier, it is used for: Based on the payment identifier, determine the payer identifier corresponding to the target payment; Obtain the device identifier and initial key from the payment feature acquisition device corresponding to the target payment; The payment identifier, payer identifier, device identifier, and initial key are encrypted to obtain the target storage key; Based on the target storage key, the second biometric feature corresponding to the target payment is obtained from the target storage device.

[0018] Fourthly, an apparatus for processing chargebacks is provided, the apparatus being disposed in a chargeback request processing device, the apparatus comprising: A payment evidence provision request sending module is used to send a payment evidence provision request to a payment verification device; wherein, the payment evidence provision request carries a payment identifier corresponding to the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; the target payment is a payment that has been successfully made based on a first biometric feature; wherein, the first biometric feature is the biometric feature of a first part of the payer collected during the payment process; The payment evidence information receiving module is used to receive payment evidence information including a second biometric feature sent by the payment verification device; the second biometric feature is obtained by the payment verification device based on the payment identifier; wherein, the second biometric feature is a biometric feature of a second part collected during the payment process; The matching degree determination module is used to determine the degree of matching between the biometric features in the payment evidence information and the biometric features of the chargeback requester; The chargeback request processing module is used to process the chargeback request based on the matching degree.

[0019] In one possible implementation, the second biometric feature includes: second biometric feature information corresponding to two video frames respectively, one video frame being a video frame captured by the payment feature acquisition device before capturing the first biometric feature of the payer, and the other video frame being a video frame captured by the payment feature acquisition device when it detects that the first biometric feature of the payer has left the shooting range; Specifically, when determining the degree of matching between the biometric features in the payment evidence information and the biometric features of the chargeback requester, the matching degree determination module is used for: Obtain the fifth biometric feature of the second part of the chargeback requester; Based on the second biometric information corresponding to the two video frames and the fifth biometric information, the degree of matching between the biometric information in the payment evidence information and the biometric information of the chargeback requester is determined.

[0020] Thirdly, embodiments of this application also provide a payment verification device, which includes a memory and a processor. The memory stores a computer program, and the processor executes the computer program to implement the payment rejection request processing method provided by any possible implementation of the first aspect.

[0021] Fourthly, embodiments of this application also provide a chargeback request processing device, which includes a memory and a processor. The memory stores a computer program, and the processor executes the computer program to implement the chargeback request processing method provided in any possible implementation of the second aspect.

[0022] Fifthly, embodiments of this application also provide a computer-readable storage medium storing a computer program that, when executed by a processor, implements a method for processing a chargeback request provided by any possible implementation of the first aspect.

[0023] In a sixth aspect, embodiments of this application also provide a computer-readable storage medium storing a computer program that, when executed by a processor, implements a method for processing a chargeback request provided by any possible implementation of the second aspect.

[0024] In a seventh aspect, embodiments of this application also provide a computer program product, which includes a computer program that, when executed by a processor, implements a method for processing a chargeback request provided by any possible implementation of the first aspect.

[0025] Eighthly, embodiments of this application also provide a computer program product comprising a computer program that, when executed by a processor, implements a method for processing a chargeback request provided by any possible implementation of the second aspect.

[0026] The beneficial effects of the technical solution provided in this application are as follows: This application provides a method, apparatus, device, medium, and program product for processing chargeback requests. In this method, when a chargeback request processing device receives a chargeback request carrying a payment identifier, and the target payment corresponding to the payment identifier is a payment made based on a first biometric feature and has been successfully completed, the chargeback request processing device sends a request for payment evidence provision for the target payment to a payment verification device. The payment verification device obtains the biometric feature of the second part of the payer collected during the payment process based on the payment identifier, and sends payment evidence information containing the biometric feature of the second part of the payer to the chargeback request processing device. This allows the chargeback request processing device to process the chargeback request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the chargeback requester. In other words, the payment evidence information obtained by the chargeback request processing device for the target payment carries the biometrics of a second part of the payer's body. This allows the device to match the biometrics of the payer's second part with the biometrics of the chargeback requester to determine whether the payer of the target payment is the same as the chargeback requester. If they are the same, the target payment is made by the chargeback requester. If they are not the same, the target payment may not be made by the chargeback requester. In other words, the evidence provided is the biometrics of another part of the payer's body during the payment process. This makes the evidence more reasonable for verifying whether the transaction for which the payer initiated the chargeback request is the payer's own, thus enabling accurate verification of the transaction for which the payer initiated the chargeback request. Attached Figure Description

[0027] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments of this application will be briefly introduced below.

[0028] Figure 1 This is a schematic diagram of a chargeback request processing system according to an embodiment of this application; Figure 2 This is an example diagram of a chargeback request processing system according to an embodiment of this application; Figure 3a This is a flowchart illustrating a method for processing a chargeback request in an embodiment of this application; Figure 3b This is an example diagram illustrating a method for processing a chargeback request in an embodiment of this application; Figure 4 This is a flowchart illustrating the biometric data collection process performed by the payment feature collection device in this application embodiment; Figure 5 A more detailed flowchart of the payment feature collection device performing biometric collection in the embodiments of this application is provided below; Figure 6 This is a flowchart illustrating another method for processing a chargeback request in an embodiment of this application; Figure 7 This is a schematic diagram of the structure of a payment rejection request processing device according to an embodiment of this application; Figure 8 This is a schematic diagram of the structure of another payment rejection request processing device in an embodiment of this application; Figure 9 This is a schematic diagram of the device structure of an electronic device according to an embodiment of this application. Detailed Implementation

[0029] The embodiments of this application are described below with reference to the accompanying drawings. It should be understood that the embodiments described below with reference to the accompanying drawings are exemplary descriptions for explaining the technical solutions of the embodiments of this application, and do not constitute a limitation on the technical solutions of the embodiments of this application.

[0030] Those skilled in the art will understand that, unless specifically stated otherwise, the singular forms “a,” “an,” “the,” and “the” used herein may also include the plural forms. It should be further understood that the terms “comprising” and “including” as used in embodiments of this application mean that the corresponding feature can be implemented as the presented feature, information, data, step, operation, element, and / or component, but do not exclude implementation as other features, information, data, step, operation, element, component, and / or combinations thereof supported by the art. It should be understood that when we say that an element is “connected” or “coupled” to another element, the one element can be directly connected or coupled to the other element, or it can mean that the one element and the other element establish a connection relationship through an intermediate element. Furthermore, “connected” or “coupled” as used herein can include wireless connection or wireless coupling. The term “and / or” as used herein indicates at least one of the items defined by the term; for example, “A and / or B” can be implemented as “A,” or as “B,” or as “A and B.” When describing multiple (two or more) items, if the relationship between the multiple items is not explicitly defined, the relationship between the multiple items can refer to one, several or all of the multiple items. For example, the description of "parameter A includes A1, A2, A3" can be implemented as parameter A includes A1 or A2 or A3, or it can be implemented as parameter A includes at least two of the three items A1, A2 and A3.

[0031] In related technologies, when a payer makes a payment offline via credit card or other electronic payment methods, the payer's identity can be verified through the following methods to complete the payment: 1. After a cardholder swipes their credit card at an offline merchant, they sign the card. The cardholder's identity is verified by checking whether the signature matches the signature on the back of the card or in the bank's records. This verifies the cardholder's identity and prevents fraud. 2. User 3D Secure: The user enters the mobile phone SMS verification code used to apply for the card or confirms identity and account information through the issuing bank's mobile banking app. The process for verifying the signature and appealing in point 1 is as follows: The signature verification and appeal process for the method shown in 1 is as follows: Signature collection: When a cardholder makes a transaction, their signature is recorded on the transaction receipt. Merchants are responsible for verifying that the cardholder's signature matches the signature on the back of the credit card to initially verify the cardholder's identity. Signature archiving: Merchants will keep signed receipts properly, usually for a certain period of time (such as several months to several years), for future verification.

[0032] Dispute Resolution: If a transaction is disputed (e.g., the cardholder denies making a transaction), the cardholder can appeal to the issuing bank. In this case, the issuing bank will require the merchant to provide a signed receipt as evidence.

[0033] Signature Verification: After receiving the signed receipt from the merchant, the issuing bank will verify it against the signature registered with the cardholder to confirm the authenticity of the transaction. If the signatures do not match, the bank may determine that the transaction is fraudulent and take appropriate measures.

[0034] However, this method may have the following drawbacks: 1. Ease of forgery: User signatures may be easily forged, especially without strict verification, which means that the accuracy of the same verification is relatively low. 2. Inconsistency: A user's signature may differ at different times or under different circumstances, making verification difficult and resulting in low accuracy. 3. Poor user experience: Requiring user signatures may increase payment time and negatively impact user experience, especially during peak hours. Therefore, some merchants do not require verification. In the method shown in Figure 2, the transaction is verified using 3DS, and the issuing bank will be responsible for fraudulent chargebacks. If the issuer and cardholder cannot resolve the dispute, the card network may intervene to conduct arbitration, making a final ruling based on the evidence provided by both parties, as detailed below: 1. The user confirms payment, and the merchant places an order to initiate the transaction; 2. The issuing bank requires the user to verify via SMS or authorize verification on the issuing bank's website / app; 3. Once verification is successful, the payment will be deducted to complete the transaction; 4. Dispute Resolution (If the payer believes there is a dispute regarding the payment, i.e., submits a chargeback request, the specific handling method will be as follows: If a transaction is disputed (e.g., the cardholder denies making a transaction), the cardholder can appeal to the issuing bank. In this case, the issuing bank will require the merchant to provide a signed receipt as evidence.

[0035] However, this method (3DS) may have the following drawbacks: 1. User experience: 3DS often requires users to enter additional authentication information (such as passwords or one-time verification codes), which may make the payment process cumbersome and affect the user experience; 2. It is forgeryable: Malicious users can give the verification information to another person for filling in and verification; 3. High abandonment rate: Due to the additional authentication steps, some users may abandon the transaction, resulting in a decrease in conversion rate.

[0036] Before providing a further detailed description of the embodiments of this application, the nouns and terms involved in the embodiments of this application will be explained, and the nouns and terms involved in the embodiments of this application shall be interpreted as follows.

[0037] Chargeback: Also known as a chargeback, this refers to the right of a cardholder to refuse payment of a specific transaction on their statement within a certain period after payment (usually 120 days, but this can be extended to 540 days for some reasons). Chargeback is essentially a right granted to cardholders by credit card companies.

[0038] 3DS (3D Secure): Authenticates the cardholder's identity during transactions, or provides identity verification and account confirmation such as a PIN, SMS verification code, or confirmation via the issuing bank's mobile banking app. Implementation is typically the responsibility of the issuing bank.

[0039] To address the aforementioned technical problems, embodiments of this application provide a method for processing chargeback requests. This method can be applied to a chargeback request processing system, such as... Figure 1 As shown, the chargeback request processing system may include: a chargeback requester device, a payment feature collection device, a payment verification device, and a chargeback request processing device, wherein the chargeback requester device interacts with the chargeback request processing device, the chargeback request processing device interacts with the payment verification device, and the payment verification device interacts with the payment feature collection device. In one possible implementation, such as Figure 2As shown, the chargeback request processing device can be: the issuing bank's device (i.e., the device of the issuing bank through which the payment is made). The payment system can also include: the acquiring bank's device, the merchant's device (the device receiving the payment), etc. In this case, the chargeback requesting device exchanges information with the issuing bank's device, the issuing bank's device exchanges information with the acquiring bank's device, the acquiring bank's device exchanges information with the merchant's device, the merchant's device exchanges information with the payment verification device, and the payment verification device exchanges information with the payment feature collection device.

[0040] Based on the aforementioned payment system, this application provides a method for handling chargebacks, such as... Figure 3a As shown, this method is executed by a payment verification device, which can be... Figure 1 or Figure 2 The payment verification device in the middle, the method may include: Step S301: Receive a request from the chargeback request processing device to provide payment evidence for the target payment.

[0041] The payment evidence provision request carries the payment identifier of the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; in this embodiment, if an object discovers a problem with a payment corresponding to its account, or that it is not its own consumption, it can initiate a chargeback request. This chargeback request carries a payment identifier, which may include the transaction number corresponding to the payment (target payment). Furthermore, in addition to carrying the payment identifier, the chargeback request may also carry the identity identifier of the party making the chargeback request.

[0042] Furthermore, the target payment of the chargeback request initiated by the chargeback requesting party is a payment that has been successfully made based on the first biometric feature; wherein, the first biometric feature is the biometric feature of a first part of the payer collected during the payment process. In this embodiment of the application, the first part can be the palm, that is, the first biometric feature is the palmprint feature of the payer collected during the payment process, that is, the target payment of the chargeback request initiated by the chargeback requesting party is a payment that has been successfully verified through palmprint feature and has been paid.

[0043] In this embodiment of the application, when the chargeback request processing device receives a chargeback request initiated by the chargeback requester, it generates a payment evidence provision request for the target payment and sends it to the payment verification device.

[0044] Specifically, such as Figure 2The system shown allows the chargeback request processing device to be the issuing bank's device through which the payment was processed. Upon receiving the chargeback request, the issuing bank's device generates a payment evidence provision request and sends it to the payment verification device via the acquiring bank's device and the merchant's device corresponding to the target payment. Further, in this process, if the merchant's device, upon receiving the payment evidence provision request, can ascertain the chargeback request from the chargeback requester and accept it, it does not need to send the payment evidence provision request to the payment verification device. Instead, it sends an agreement to the chargeback to the acquiring bank's device. The acquiring bank's device can then return the amount deducted from the target payment, based on the issuing bank's agreement to the chargeback request. Specifically... Figure 3b As shown.

[0045] Step S302: Based on the payment identifier, obtain the second biometric feature corresponding to the target payment.

[0046] The second biometric feature is the biometric feature of a second part of the payer collected during the payment process. In this embodiment, the biometric feature of the payer's second part can be facial features, iris features, etc., and is not limited in this embodiment.

[0047] In this embodiment of the application, the biometric feature of the second part of the payer is taken as the payer's facial feature as an example. That is, after receiving a request to provide payment evidence carrying a payment identifier (serial number), the payment verification device obtains the facial features of the target payment collected by the payment feature collection device during the payment process.

[0048] Step S303: Send payment evidence information including the second biometric feature to the payment rejection request processing device, so as to process the payment rejection request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the payment rejection requester.

[0049] Furthermore, after acquiring the facial features of the target payment obtained by the payment feature collection device during the payment process, the payment verification device sends payment evidence information including the facial features to the chargeback request processing device. Upon receiving the payment evidence information including the facial features, the chargeback request processing device matches the received payment evidence information including the facial features with the biometric features of the chargeback requester, and processes the chargeback request based on the degree of matching. In this embodiment, the chargeback request is processed at least based on the degree of matching between the facial features carried in the payment evidence information and the second biometric feature provided by the chargeback requester (i.e., the facial features of the chargeback requester).

[0050] Specifically, in this embodiment of the application, the second biometric feature of the chargeback requester (the facial features of the chargeback requester) can be collected or obtained by the chargeback request processing device, or obtained from the chargeback request. That is, the chargeback request can carry the facial features of the chargeback requester.

[0051] Specifically, in such Figure 2 In the system shown, if the merchant does not accept the chargeback request, payment evidence information needs to be obtained from the payment verification device. This payment evidence information is then sent to the acquiring bank's device via the merchant's device. The acquiring bank's device checks the evidence (the matching degree between features) and sends the result to the issuing bank's device to process the chargeback request. The processing result for the chargeback request is then sent to the requesting party's device, where the requesting party decides whether to accept or reject the chargeback decision. If the requesting party accepts the chargeback decision, the chargeback process is closed; otherwise, the chargeback request is resolved through other processes, without limitation. Figure 3b As shown.

[0052] Furthermore, in some cases, the chargeback request processing equipment can be either the issuing bank's equipment or the acquiring bank's equipment, or even just the issuing bank's equipment. In this case, the acquiring bank's equipment acts as a pass-through, transmitting payment evidence to provide the request, as well as transmitting payment evidence and other biometric matching data. Based on the matching results, the chargeback request is processed by the issuing bank's equipment, without limitation. Alternatively, the chargeback request can be processed based on the degree of matching between the biometrics in the payment evidence information and the biometrics of the person making the chargeback request, or it can be manually verified by either the issuing bank or the acquiring bank.

[0053] This application provides a method for processing chargeback requests. In this method, when a chargeback request processing device receives a chargeback request carrying a payment identifier, and the target payment corresponding to the payment identifier is a payment made based on a first biometric feature and has been successfully completed, the chargeback request device sends a request for payment evidence provision for the target payment to a payment verification device. The payment verification device obtains the biometric feature of the second part of the payer collected during the payment process based on the payment identifier, and sends payment evidence information containing the biometric feature of the second part of the payer to the chargeback request processing device. This allows the chargeback request processing device to process the chargeback request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the chargeback requester. In other words, the payment evidence information obtained by the chargeback request processing device for the target payment carries the biometrics of a second part of the payer's body. This allows the device to match the biometrics of the payer's second part with the biometrics of the chargeback requester to determine whether the payer of the target payment is the same as the chargeback requester. If they are the same, the target payment is made by the chargeback requester. If they are not the same, the target payment may not be made by the chargeback requester. In other words, the evidence provided is the biometrics of another part of the payer's body during the payment process. This makes the evidence more reasonable for verifying whether the transaction for which the payer initiated the chargeback request is the payer's own, thus enabling accurate verification of the transaction for which the payer initiated the chargeback request.

[0054] Furthermore, after obtaining the payment identifier of the target payment through the payment evidence provision request, the payment verification device acquires the second biometric feature corresponding to the target payment based on the payment identifier. Specifically, in this embodiment, step S302, acquiring the second biometric feature corresponding to the target payment based on the payment identifier, may include: sending a biometric feature acquisition request to the target storage device; and receiving the second biometric feature corresponding to the target payment sent by the target storage device.

[0055] The biometric request includes a payment identifier; the target storage device stores the second part of the biometrics of the payer corresponding to the payment identifier of each payment.

[0056] As can be seen from the above embodiments, the biometrics in the second part can be facial features, that is, the target storage stores the facial features of the payer corresponding to the payment identifier of each payment. Specifically, the facial features of the payer corresponding to the payment identifier of each payment are the facial features of the payer collected by the payment feature collection device during the payment process of that payment. In other words, during the payment process of a payment, the payment feature collection device collects not only the payer's palm print features but also their facial features. As mentioned above, collecting the payer's palm print features is to find the payer's identifier so that the corresponding amount can be deducted from the corresponding account; collecting the payer's facial features during the payment process is to provide evidence for the chargeback request, to verify whether the chargeback requester and the payer are consistent, and to determine whether the target payment corresponding to the chargeback request is a case of fraudulent or erroneous transaction.

[0057] Furthermore, for a single payment process, the corresponding payment evidence information is collected by the payment feature collection device. Similarly, for the aforementioned target payment, the corresponding payment evidence information is also collected by the payment feature collection device. In this embodiment, the payment evidence information corresponding to the target payment is collected by the payment feature collection device through the following methods (steps Sa and Sb) and stored in the target storage device. In this embodiment, the target storage device can be a cloud storage device, another storage device, or a storage device within the payment verification device. Specifically... Figure 4 As shown, where, Step Sa: Receive the payment request for the target payment.

[0058] In the embodiments of this application, the cash register device (e.g., a POS terminal) initiates a payment and transmits the payment identifier (serial number) carrying the target payment to the payment feature collection device. At this time, the payment feature collection device receives a payment request for the target payment.

[0059] Step Sb: In response to the payment request, the target video stream is acquired, and upon receiving payment success information, the first and second biometric features of the payer are stored in the target storage device.

[0060] The target video stream includes at least the payer's first and second biometrics.

[0061] Specifically, in step Sb, the target video stream is acquired, and upon receiving a payment success message, the second biometric feature is stored in the target storage device. This may include steps Sb1, Sb2, Sb3, Sb4, and Sb5, where steps Sb1-Sb5 are not shown in the figure. Step Sb1: Acquire the first video frame.

[0062] The first video frame contains the second biometric feature corresponding to the payer.

[0063] In this embodiment of the application, after receiving a payment request from the cash register, the payment feature acquisition device starts shooting and acquires a first video frame containing the second biometric feature corresponding to the payer, that is, before scanning the palm print feature, it acquires the payer's facial features.

[0064] Step Sb2: Output the first prompt message.

[0065] The first prompt message is used to prompt the payer to provide a first biometric feature. In this embodiment, after the payment feature acquisition device acquires the first video frame, it outputs a prompt message to prompt the payer to provide the first biometric feature. That is, when the first video frame containing the payer's facial features is acquired, the payer is reminded to extend their palm and acquire the corresponding palm print feature.

[0066] Step Sb3: Acquire a second video frame containing the first biometric feature. That is, the biometric acquisition device acquires a second video frame containing the payer's palm print features.

[0067] Specifically, when the biometric acquisition device acquires a second video frame containing palmprint features, in order to improve the accuracy of palmprint verification and reduce the storage space required to store the payer's palmprint features, it can extract a preferred frame from the video stream containing the payer's palmprint features as the second video frame. The preferred frame is the video frame containing a clear and complete palmprint. It can also include the distance between the palm and the biometric acquisition device being appropriate, as well as the appropriate brightness of the acquired video frame. Step Sb4: If a payment success message is received, and when the first part of the payer is detected to be out of the shooting range, a third video frame including the second biometric feature of the payer is captured.

[0068] In this embodiment of the application, the payment feature acquisition device can send the preferred frame to the payment verification device for matching verification after obtaining it. That is, the payment verification device determines the matching payer from the first biometric features corresponding to each payer to complete the payment. At this time, the payment verification device sends a payment success message to the payment feature acquisition device. When the payment feature acquisition device receives the payment success message, it can output a second prompt message. The second prompt message is used to prompt the payer that the payment verification based on the first biometric feature is successful. At this time, the payer's palm can leave the shooting range. When the payer's palm leaves the shooting range, a third video frame including the payer's second biometric feature (facial feature) is acquired.

[0069] In this embodiment, it should be noted that the first video frame, the second video frame, and the third video frame can all be frame sequences, i.e., multiple frames of images. Of course, they can also be a single frame of images; this embodiment does not impose any limitations. Furthermore, in this embodiment, the collection of the biometric features of the payer's first and second locations during the payment process is authorized and agreed upon by the payer.

[0070] Step Sb5: Send the first video frame, the third video frame, and the corresponding payment identifier to the target storage device, so that the target storage device stores the second biometric feature contained in the first video frame, the second biometric feature contained in the third video frame, and the payment identifier in association.

[0071] Furthermore, it should be noted that the target storage device may also store the second biometric feature contained in the first video frame, the first biometric feature contained in the second video frame, the second biometric feature contained in the third video frame, and the payment identifier.

[0072] Specifically, after acquiring the first video frame, the second video frame, and the third video frame, the payment acquisition device can extract the corresponding biometric features from each video frame, that is, obtain the second biometric feature from the first video frame, obtain the first biometric feature from the second video frame, and obtain the second biometric feature from the third video frame, and store these biometric features and payment identifiers in the target storage device. In another possible implementation, the target storage device or other devices can also extract the corresponding biometric features from each video frame and store these biometric features and payment identifiers in the target storage device.

[0073] Furthermore, it should be noted that the target storage device can also directly store video frames, that is, the target storage device can also directly associate and store the first video frame, the third video frame, and the payment identifier. Specifically, it can also associate and store a second video frame, meaning that the target storage device can also associate and store the first video frame, the second video frame, the third video frame, and the payment identifier. In this embodiment, if the target storage device associates and stores at least the first video frame, the third video frame, and the payment identifier, then when the payment verification device receives a payment evidence provision request, it retrieves the first video frame and the third video frame (which may also include the second video frame) from the target storage device based on the payment identifier carried in the payment evidence provision request, and sends the first video frame and the third video frame (which may also include the second video frame) to the chargeback request processing device. At this time, the chargeback request processing device can parse the corresponding second biometric features from the first video frame and the third video frame.

[0074] One specific example for steps Sb1-Sb5 is as follows: Figure 5 As shown, where, 1. The POS terminal initiates payment and transmits the transaction number to the swipe terminal (payment feature collection device); 2. Take a photo with your palm on the terminal, then be prompted to extend your palm. The photo taken in this step serves as the first frame of the proof, which is the first video frame shown above. 3. The palm-scanning terminal continuously captures and detects the palm print; if the palm-scanning terminal does not detect the palm print in this step, return to step 2. 4. Select the preferred image from the video stream captured in step 3, and send the preferred image as the intermediate frame of the credential to the backend server (payment verification device) for recognition; if the palm-swiping terminal does not obtain the preferred frame, return to step 3 to repeat capturing the palm print features. 5. If the backend server successfully identifies the device, the swipe terminal will display a success message. 6. At this point, the swipe terminal needs to search again, take a picture when the palm leaves, and use the frame taken when the palm leaves as the last frame; 7. The swipe terminal sends the first frame, preferred frame, and last frame of the credential, along with the serial number, to the cloud device for associated storage. The swipe terminal and the cloud storage device communicate via Transport Layer Security (TLS).

[0075] Furthermore, during each payment process, the biometric data collected by the payment feature acquisition device is stored in the target storage device. Specifically, the target storage device encrypts and associates the second part of the biometric data of each payer with the storage key. The second part of the biometric data of each payer is encrypted using an encryption algorithm, such as SM4. To further enhance storage security, the storage key is calculated using a specific algorithm (e.g., SHA64 algorithm) based on the payment identifier (e.g., transaction number), payer identifier (payer identity ID), device number (device identifier of the payment feature acquisition device), and an initial key. The initial key is stored in the Secure Element (SE) of the payment feature acquisition device. Additionally, the target storage device may encrypt and associate the biometric data of each payer's video frames (first video frame, second video frame, and third video frame) with the storage key.

[0076] Furthermore, since the second biometric features corresponding to each payer are stored in the target storage device using the aforementioned encryption method, step S302, which involves obtaining the second biometric feature corresponding to the target payment based on the payment identifier, may specifically include: determining the payer identifier corresponding to the target payment based on the payment identifier; obtaining the device identifier and initial key from the payment feature acquisition device corresponding to the target payment; encrypting the payment identifier, payer identifier, device identifier, and initial key to obtain the target storage key; and obtaining the second biometric feature corresponding to the target payment from the target storage device based on the target storage key. In this embodiment, the encrypted second biometric feature (the second biometric feature corresponding to the target payment) is obtained from the target storage device based on the target storage key. Of course, the target storage device may not directly store the second biometric features corresponding to each payer, but instead store the video frames (first video frame, second video frame, and third video frame) corresponding to each payer. Based on the above embodiments, specifically, in step S303, the payment verification device sends payment evidence information including the second biometric feature to the payment rejection request processing device, which may specifically include: the payment verification device sending payment evidence information including the first video frame and the third video frame to the payment rejection request processing device.

[0077] In this process, the payment verification device sends payment evidence information containing a first video frame and a third video frame to the chargeback request processing device. The first and third video frames in the payment evidence information are encrypted, and the chargeback request processing device needs to decrypt them. Alternatively, after obtaining the encrypted first and third video frames from the payment evidence information, the payment verification device may decrypt them before sending them to the chargeback request processing device. It should be noted that the payment evidence information sent by the payment verification device to the chargeback request processing device may also include a related second video frame, or it may not include one; this is not limited in this embodiment. Furthermore, as can be seen from the above embodiments, for a single payment (target payment), the chargeback request processing device can at least obtain: the second biometric feature corresponding to the first video frame and the second biometric feature corresponding to the third video frame. Under the condition that the second biometric feature contained in the first video frame matches the second biometric feature contained in the third video frame (that is, when the same facial feature exists in the facial features contained in the first and third video frames, i.e., the same face exists), the chargeback request processing device processes the chargeback request in the following manner (steps S1 and S2). Specifically, steps S1 and S2 are not shown in the figure. The features of the chargeback requester mentioned above include: the fifth biometric feature of the second part of the chargeback requester, for example, the fifth biometric feature of the second part of the chargeback requester is also the facial feature of the chargeback requester. Step S1: If the fifth biometric feature of the second part of the chargeback requester matches the target second biometric feature, then the chargeback request is rejected and a first notification message is sent to the chargeback requester.

[0078] Wherein, the target second biometric feature is the second biometric feature contained in the first video frame or the third video frame; in this embodiment of the application, if the fifth biometric feature of the second part of the chargeback requester matches the target second biometric feature, it indicates that the facial features collected during the actual payment process of the target payment are consistent with the facial features of the chargeback requester, that is, at this time, it indicates that the probability of the target payment being stolen or mistakenly charged is low. At this time, the chargeback request processing device rejects the above chargeback request and sends a first notification message to the chargeback requester. The first notification message carries the matching result of the second biometric feature and is used to notify the chargeback requester that the chargeback request processing device has rejected the chargeback request.

[0079] Step S2: If the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, the chargeback request is accepted and the successfully paid amount is returned to the chargeback requester's account.

[0080] In this embodiment of the application, if the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, it indicates that the facial features collected during the actual payment process are inconsistent with the facial features of the chargeback requester. In other words, the probability of the target payment being fraudulent or mistaken is high. At this time, the chargeback request processing device agrees to the chargeback request and returns the successfully paid amount to the chargeback requester's account. Of course, in order to improve security and accuracy, other errors can be used to verify again before being used as the corresponding chargeback decision (the decision made based on the chargeback request).

[0081] Furthermore, if the second biometric feature contained in the first video frame matches the second biometric feature contained in the third video frame, and the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, it indicates that the facial features collected during the actual payment process are inconsistent with the facial features of the chargeback requester. This means that the probability of the target payment being fraudulent or mistaken is high. In this case, the chargeback request processing device executes steps S3, S4, and S5 (not shown in the figure). Specifically, there is no strict sequential order between steps S3-S5 and steps S1-S2. Step S3: Match the target's second biometric feature with the second biometric feature of the object that is associated with the chargeback requester.

[0082] In this embodiment of the application, the account of the chargeback requester (the account for the target payment) may be bound not only to the first biometric feature (i.e., palm print feature) of the first part of the chargeback requester's body, but also to the palm print features of other objects with which it is associated, such as the palm print features of relatives. That is, the target payment may also be made by an associated object scanning its palm print. In this case, the facial features of the chargeback requester are inconsistent with the facial features collected during the payment process (facial features in the first and third video frames). At this time, the facial features of the objects with which the chargeback requester is associated are obtained (this acquisition function is agreed to by the chargeback requester or provided by the chargeback requester), and then the facial features in the first and third video frames are matched with the facial features of the objects with which the chargeback requester is associated.

[0083] For example, objects associated with the party requesting a chargeback may include: object 1 and object 2, which means matching the facial features of object 1 and object 2 with the facial features in the first and third video frames.

[0084] Step S4: If there is a target object with a matching second biometric among the related objects, a second notification message carrying the second biometric of the target object is sent to the party requesting the chargeback.

[0085] For example, if the facial features of object 1 match the facial features in the first video frame and the third video frame, a second notification message carrying the facial features of object 1 is sent to the party requesting the chargeback.

[0086] The second notification message is used to notify the non-payment requester that the target payment was made by the target object.

[0087] Step S5: Receive the response from the party requesting the chargeback in response to the second notification message, and process the chargeback request based on the response.

[0088] In this embodiment of the application, after receiving the second notification message, if the party requesting the chargeback accepts it, it sends a reply message to the chargeback request processing device, indicating that the party accepts the target payment (or accepts the withdrawal of the chargeback request), and the process can end at this point. If the reply message indicates that the party does not accept the chargeback request, the chargeback request processing device can also reject the chargeback request, send the chargeback request to another institution's device for processing, or use other methods to process it, without limitation.

[0089] Furthermore, under the condition that the second biometric feature contained in the first video frame does not match the second biometric feature contained in the third video frame, that is, the facial features collected by the payment feature collection device in the video frames before and after payment do not match, that is, the facial features collected in the first video frame and the facial features collected in the third video frame are not the facial features of the same person; in order to reasonably process the submitted biometric features and accurately process the chargeback request, the chargeback request processing device processes the chargeback request through steps S6 and S7 (not shown in the figure), wherein steps S6-S7 and steps S1-S5 above do not have a strict sequential execution order, specifically, Step S6: If the second biometric feature contained in the first video frame matches the second biometric feature of the chargeback requester, then according to the payment time corresponding to the target payment, obtain the seventh biometric feature corresponding to the first target payer, and match the seventh biometric feature with the second biometric feature contained in the third video frame, and process the chargeback request based on the matching result.

[0090] In this embodiment of the application, the second biometric feature contained in the first video frame matches the second biometric feature of the chargeback requester. That is, the payment feature acquisition device may have acquired the payer's facial features before the payer makes the payment (before the second video frame), but not after the payer makes the payment. At this time, the chargeback request processing device obtains the facial features corresponding to the first target payer from the payment verification device to match them with the facial features contained in the third video frame.

[0091] The first target payer is the payer that completes the payment after the target payment; the seventh biometric feature is the biometric feature of the second part corresponding to the first target payer.

[0092] Furthermore, if the chargeback request processing device obtains the facial features corresponding to the first target payer from the payment verification device and matches them with the facial features contained in the third video frame, and the match is successful, it indicates that there is no swiping error. In this case, the chargeback request is rejected, or other measures are taken to process the chargeback request. This is not limited in the embodiments of this application.

[0093] Step S7: If the second biometric feature contained in the third video frame matches the second biometric feature of the chargeback requester, then according to the payment time corresponding to the target payment, obtain the eighth biometric feature corresponding to the second target payer, and match the eighth biometric feature with the second biometric feature contained in the first video frame, and process the chargeback request based on the matching result.

[0094] In this embodiment of the application, the second biometric feature contained in the third video frame matches the second biometric feature of the chargeback requester. That is, the payment feature acquisition device may have acquired the payer's facial features after the payer has made payment (the second video frame), but it did not acquire the payer's facial features before the payer made payment. At this time, the chargeback request processing device obtains the facial features corresponding to the second target payer from the payment verification device to match them with the facial features contained in the first video frame.

[0095] The second target payer is the payer that completes the payment before the target payment; the seventh biometric feature is the biometric feature of the second part corresponding to the second target payer.

[0096] Furthermore, if the chargeback request processing device obtains the facial features corresponding to the second target payer from the payment verification device and matches them with the facial features contained in the first video frame, and the match is successful, it indicates that there is no swiping error. In this case, the chargeback request is rejected, or other measures are taken to process the chargeback request. This is not limited in the embodiments of this application.

[0097] Furthermore, in some cases, the party requesting a chargeback may mistakenly bind the wrong biometric identifier (palmprint) to an account, for example, binding the biometric identifier of another person's first body part. To improve the accuracy of chargeback request processing, after obtaining the payment identifier of the target payment, the method may further include: determining the payer identifier corresponding to the target payment based on the payment identifier; and determining the third biometric identifier bound to the payer identifier. In this embodiment, after obtaining the payment identifier of the target payment through the payment evidence provision request, the payer identifier corresponding to the target payment is determined based on the payment identifier. That is, the payment verification device may store the mapping relationship between the payment identifier and the payer identifier, or it may obtain the mapping relationship between the payment identifier and the payer identifier from other devices (such as cloud storage devices).

[0098] Furthermore, in another possible implementation, the payment verification device carries a payer identifier in the payment evidence provision request received. In this embodiment, the payer identifier carried in the payment evidence provision request can be carried in the chargeback request triggered by the chargeback requester, or it can be determined by the chargeback request processing device based on the payment identifier carried in the chargeback request upon receiving the chargeback request and carried in the payment evidence provision request.

[0099] For example, the payment identifier is the transaction number of the target payment, and the payer identifier is the identity ID of the actual payer of the target payment.

[0100] Furthermore, after obtaining the payer identifier (the identity ID of the actual payer of the target payment) corresponding to the target payment, the payment verification device determines the third biometric feature bound to the payer identifier. The third biometric feature is the biometric feature of the first part registered by the object corresponding to the payer identifier. As can be seen from the above embodiments, the biometric feature of the first part can be a palm print feature; that is, the third biometric feature is the palm print feature registered by the object corresponding to the payer identifier (also called the target palm print feature). In other words, for each payment, if the palm print feature collected by the payment collection device matches the target palm print feature, the verification is successful, and the amount corresponding to the payment can be deducted from the account corresponding to the payer identifier. For example, if payer 1 purchases apples for 10 yuan, and payer 1 matches the target palm print feature by swiping their palm, then 10 yuan will be deducted from the account bound to the target palm print feature and transferred to the merchant's account.

[0101] To enhance the credibility of the evidence provided and to more accurately verify transactions initiating chargeback requests by the payer, the payment verification device may further include the following in the payment evidence provided to the chargeback request processing device: a third biometric feature, namely, the biometric feature of the first part registered by the object corresponding to the payer's identifier. As can be seen from the above embodiments, the biometric feature of the first part can be a palm print feature, and the third biometric feature is the palm print feature (target palm print feature) of the actual payer of the target payment bound to a certain electronic account (electronic account 1). In other words, during the payment process, if the payment verification device matches the corresponding palm print feature, it indicates that the verification is successful, and the corresponding amount can be deducted from electronic account 1. Furthermore, the biometrics of the chargeback requester include the fourth biometric feature of the first part and the fifth biometric feature of the second part of the chargeback requester. The matching degree includes the matching degree between the second and fifth biometric features, as well as the matching degree between the third and fourth biometric features. That is, in the above embodiment, when processing the chargeback request based on the matching degree between the biometric features in the payment evidence information and the biometrics of the chargeback requester, in addition to matching based on the fifth biometric feature (facial features) and the second biometric feature (facial features collected during the payment process) of the chargeback requester, it is also necessary to match based on the fourth biometric feature (palmprint) of the first part of the chargeback requester and the fifth biometric feature (palmprint features of the account) bound to the chargeback requester. If both of the above matching results are higher than the preset matching degree, it indicates that the chargeback requester in the chargeback request and the payer collected during the actual payment process are the same person, that is, there is no case of fraudulent use or wrong transaction (the payer of the subsequent payment or the payer of the previous payment made a wrong transaction), and the chargeback request is rejected; other cases are detailed in the above embodiment and will not be repeated here.

[0102] This application also provides another method for processing chargeback requests, executed by a chargeback request processing device, such as... Figure 6 As shown, the method may include: Step S601: Send a payment evidence provision request to the payment verification device.

[0103] The payment evidence provision request carries the payment identifier corresponding to the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; the target payment is a payment made based on the first biometric feature and has been successfully paid; the first biometric feature is the biometric feature of the first part of the payer collected during the payment process.

[0104] Step S602: Receive payment evidence information including the second biometric feature sent by the payment verification device.

[0105] The second biometric feature is obtained by the payment verification device based on the payment identifier; the second biometric feature is the biometric feature of the second part collected during the payment process.

[0106] Step S603: Determine the degree of matching between the biometrics in the payment evidence information and the biometrics of the chargeback requester, and process the chargeback request based on the degree of matching.

[0107] Specifically, the second biometric feature includes: second biometric feature information corresponding to two video frames respectively. One video frame is a video frame collected by the payment feature collection device before collecting the first biometric feature of the payer, and the other video frame is a video frame collected by the payment feature collection device when it detects that the first biometric feature of the payer has left the shooting range. Specifically, step S603 involves determining the degree of matching between the biometrics in the payment evidence information and the biometrics of the person requesting the payment rejection, and processing the payment rejection request based on the degree of matching. This may include: obtaining the fifth biometric of the second part of the person requesting the payment rejection; determining the degree of matching between the biometrics in the payment evidence information and the biometrics of the person requesting the payment rejection based on the second biometric information and the fifth biometric of the two video frames respectively; and processing the payment rejection request based on the degree of matching.

[0108] It should be noted that the process executed by the chargeback request decision device in this application embodiment is detailed in the above embodiment and will not be repeated here.

[0109] To better understand and illustrate the practical value of the solutions provided in the embodiments of this application, the optional implementation methods of this application will be described below in conjunction with specific scenario embodiments.

[0110] I. Payment Process: 1. The POS terminal sends a payment request to the swipe terminal. The payment request carries the transaction number of the bill being paid. This payment will be referred to as payment 1 in the following text. 2. The palm-swiping terminal starts taking pictures and obtains several frames of images before the palm swipe, which are used to capture the facial features of the person to be swiped for payment, as the initial frame. 3. Prompt the recipient to extend their palm for fingerprint scanning; 4. After the palm-swiping terminal detects the payment palm, it takes a picture of the palm print. Specifically, when the palm-swiping terminal detects the payment palm print, it can take a picture of the palm print for a preset time period and then remind the payment recipient to move their palm. Alternatively, when a clear and complete palm print is detected and captured, it can remind the payment recipient to move their palm. In this case, the clear and complete palm print is selected as the preferred frame. 5. The swipe terminal sends the selected frame (preferred frame) to the backend server for identification to determine the identity of the payment recipient, and then sends it to the card issuer so that the card issuer can deduct the payment from the corresponding account; 6. When the backend server recognizes a matching palm print, it sends a matching success indication message to the palm-scanning terminal. 7. The palm-swiping terminal outputs a prompt message to remind the payee to remove their palm; 8. When the palm-swiping terminal detects that the payment recipient has moved their palm away, it takes another picture to capture the facial features of the payment recipient who just swiped their palm, as the last frame. 9. The swipe terminal encrypts all frames (initial frame, preferred frame, and tail frame) using a storage key and SM4. The storage key is obtained by encrypting the serial number, the successfully identified user ID (payment object identifier), the device number, and the initial key using SHA64. The initial key is stored in the secure element (SE) of the swipe terminal.

[0111] II. The process of providing evidence to make a decision on a chargeback request when it is detected: 1. When the issuing bank's equipment detects a chargeback request for payment 1 sent by the chargeback requester, it generates a payment evidence provision request and sends it to the issuing bank's equipment. The payment evidence provision request is used to request payment evidence corresponding to payment 1 in order to make a decision on the chargeback request. 2. The issuing bank's device sends a payment evidence request to the corresponding merchant's device; if the merchant's device accepts the chargeback, the issuing bank can then send the merchant's acceptance message to the issuing bank's device, so that the issuing bank's device can return the amount paid to the chargeback requester's account. 3. If the merchant does not accept the chargeback, the merchant device sends an evidence provision request carrying a transaction number to the backend server (payment verification device); furthermore, the evidence provision request also carries the identity of the chargeback requester, the device identifier of the swipe terminal, and the initial key (obtained from the SE of the swipe terminal). 4. The backend server obtains the storage key based on the identity of the party requesting the chargeback, the device identifier of the swiping terminal, the initial key, and the serial number. Based on the storage key, it retrieves the payment evidence corresponding to payment 1 from the cloud storage. The payment evidence may include at least the initial frame and the tail frame. 5. The back-end server can transmit payment evidence to the issuing bank's equipment through the issuing bank's equipment; 6. The issuing bank's device can obtain the facial features of the person requesting the chargeback. If the facial features of the person requesting the chargeback match the facial features contained in the initial frame and the facial features contained in the final frame, the chargeback request is rejected. If the facial features of the person requesting the chargeback do not match the facial features contained in either the initial frame or the final frame, the issuing bank's device will return the amount paid to the account of the person requesting the chargeback and notify the corresponding merchant device. Alternatively, if the facial features of the person requesting the chargeback do not match the facial features contained in either the initial frame or the final frame, the evidence and verification results will be sent to the corresponding institution for processing. If the facial features of the person requesting payment denial match the facial features contained in the initial frame but do not match the facial features contained in the final frame, or if the facial features of the person requesting payment denial match the facial features contained in the final frame but do not match the facial features contained in the initial frame, other measures may be taken, or the request may be sent to the relevant agency for further processing.

[0112] Furthermore, in addition to these IoT terminal measures, other ways to enhance payment security include: Risk control measures: Enhance risk control models and implement additional verification methods when potential risks arise to reduce the possibility of fraud; Limit measures: 3DS verification will be added for transactions exceeding the limit to ensure responsible transfer of high-risk transactions; Equipment and data security: The equipment is deployed at the merchant's end, and it is necessary to ensure that the equipment has extremely high security and cannot be compromised or tampered with; The algorithm is reliable: its extremely low false recognition rate and authoritative certification have established reliable expectations in the industry. Furthermore, based on the solutions described in the above embodiments, the embodiments of this application can enhance security: palmprint recognition is a biometric technology with uniqueness and difficulty in forgery, which can improve payment security; it can further improve the user experience: compared with traditional 3DS authentication (such as entering a password or one-time verification code), palmprint recognition may provide a smoother payment experience and reduce the possibility of users abandoning the transaction; instant verification: biometric technology can quickly verify the user's identity and reduce the risk of payment refusal due to input errors.

[0113] Based on the same principle as the method for processing chargeback requests provided in the embodiments of this application, the embodiments of this application also provide a device for processing chargeback requests, such as... Figure 7 As shown, the device 70 can be installed in a payment verification device, wherein the device 70 may include: The payment evidence provision request receiving module 71 is used to receive a payment evidence provision request for a target payment sent by the chargeback request processing device. The payment evidence provision request carries a payment identifier of the target payment. The payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying a payment identifier. The target payment is a payment that has been successfully made based on a first biometric feature. The first biometric feature is the biometric feature of the first part of the payer collected during the payment process. The acquisition module 72 is used to acquire the second biometric feature corresponding to the target payment based on the payment identifier; wherein, the second biometric feature is the biometric feature of the second part of the payer collected during the payment process; The payment evidence information sending module 73 is used to send payment evidence information including a second biometric feature to the chargeback request processing device, so as to process the chargeback request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the chargeback requester.

[0114] In one possible implementation of this application embodiment, the apparatus 70 further includes: a first determining module and a second determining module, wherein... The first determining module is used to determine the payer identifier corresponding to the target payment based on the payment identifier; The second determining module is used to determine the third biometric feature bound to the payer identifier; wherein, the third biometric feature is the biometric feature of the first part registered by the object corresponding to the payer identifier; The payment evidence information also includes a third biometric feature. The biometric feature of the requester of the chargeback includes the fourth biometric feature of the first part and the fifth biometric feature of the second part. The degree of matching includes the degree of matching between the second biometric feature and the fifth biometric feature, as well as the degree of matching between the third biometric feature and the fourth biometric feature.

[0115] In one possible implementation of this application embodiment, when the acquisition module 72 acquires the second biometric feature corresponding to the target payment based on the payment identifier, it is specifically used for: A biometric acquisition request is sent to the target storage device; wherein the biometric request includes a payment identifier; the target storage device stores the second part of the biometrics of the payer corresponding to the payment identifier of each payment; Receive the second biometric feature corresponding to the target payment sent by the target storage device.

[0116] In another possible implementation of this application embodiment, the payment evidence information is collected by the payment feature collection device in the following manner and stored in the target storage device: Receive payment requests for the target payment; In response to a payment request, a target video stream is acquired, and upon receiving payment success information, the payer's first and second biometric features are stored in the target storage device; wherein the target video stream includes at least the payer's first and second biometric features. Another possible implementation of this application embodiment involves acquiring the target video stream and storing the second biometric feature in the target storage device upon receiving a payment success message, including: The first video frame is captured; wherein the first video frame contains the second biometric feature corresponding to the payer; Output the first prompt message, which prompts the payer to provide the first biometric feature; Acquire a second video frame containing the first biometric feature; If a payment success message is received, and when the first part of the payer is detected to be out of the shooting range, a third video frame including the second biometric feature of the payer is captured; Send a first video frame, a third video frame, and the corresponding payment identifier to the target storage device so that the target storage device associates and stores the second biometric feature contained in the first video frame, the second biometric feature contained in the third video frame, and the payment identifier.

[0117] In another possible implementation of this application embodiment, the second biometric feature contained in the first video frame matches the second biometric feature contained in the third video frame; Specifically, when sending payment evidence information including the second biometric feature to the chargeback request processing device, the payment evidence information sending module 73 is used for: Payment evidence information containing a first video frame and a third video frame is sent to the chargeback request processing device, so that the chargeback request device can process the chargeback request in the following manner: If the fifth biometric feature of the second part of the chargeback requester matches the target second biometric feature, the chargeback request is rejected and a first notification message is sent to the chargeback requester; wherein, the target second biometric feature is the second biometric feature contained in the first video frame or the third video frame; the first notification message carries the matching result of the second biometric feature and is used to notify the chargeback requester that the chargeback request processing device has rejected the chargeback request.

[0118] Another possible implementation of this application embodiment involves the chargeback request device processing the chargeback request in the following manner: If the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, the target second biometric feature will be matched with the second biometric feature of the object that is associated with the chargeback requester. If a target object with a matching second biometric feature exists among the related objects, a second notification message carrying the second biometric feature of the target object is sent to the chargeback requester; wherein, the second notification message is used to notify the chargeback requester that the target payment was made by the target object; Receive the response from the party requesting the chargeback in response to the second notification message, and process the chargeback request based on the response.

[0119] Another possible implementation of this application embodiment involves the chargeback request device processing the chargeback request in any of the following ways: If the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, the chargeback request is approved, and the successfully paid amount is returned to the chargeback requester's account.

[0120] In another possible implementation of this application embodiment, the second biometric feature contained in the first video frame does not match the second biometric feature contained in the third video frame; Specifically, when sending payment evidence information including the second biometric feature to the chargeback request processing device, the payment evidence information sending module 73 is used for: Payment evidence information containing a first video frame and a third video frame is sent to the chargeback request processing device, so that the chargeback request device can process the chargeback request in the following manner: If the second biometric feature contained in the first video frame matches the second biometric feature of the chargeback requester, then according to the payment time corresponding to the target payment, the seventh biometric feature corresponding to the first target payer is obtained, and the seventh biometric feature is matched with the second biometric feature contained in the third video frame. The chargeback request is processed based on the matching result. Here, the first target payer is the payer that completes the payment after the target payment; and the seventh biometric feature is the second part of the biometric feature corresponding to the first target payer. If the second biometric feature contained in the third video frame matches the second biometric feature of the chargeback requester, then according to the payment time corresponding to the target payment, the eighth biometric feature corresponding to the second target payer is obtained, and the eighth biometric feature is matched with the second biometric feature contained in the first video frame. The chargeback request is processed based on the matching result. The second target payer is the payer that completed the payment before the target payment. The seventh biometric feature is the second part of the biometric feature corresponding to the second target payer.

[0121] Another possible implementation of this application embodiment is that the target storage device stores the biometric features and storage keys of the second part of each payer. The storage key of a payer is obtained by encrypting the payer's payment identifier, payer identifier, initial key and the device identifier of the corresponding payment feature collection device; the initial key is stored in the payment feature collection device. Specifically, when acquiring the second biometric feature corresponding to the target payment based on the payment identifier, the acquisition module 72 is used for: Based on the payment identifier, determine the payer identifier corresponding to the target payment; Obtain the device identifier and initial key from the payment feature collection device corresponding to the target payment; The payment identifier, payer identifier, device identifier, and initial key are encrypted to obtain the target storage key; Based on the target storage key, the second biometric feature corresponding to the target payment is obtained from the target storage device.

[0122] This application also provides another apparatus for processing chargeback requests, such as... Figure 8 As shown, the device 80 is disposed in the chargeback request processing device, and the device 80 may include: The payment evidence provision request sending module 81 is used to send a payment evidence provision request to the payment verification device; wherein, the payment evidence provision request carries the payment identifier corresponding to the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; the target payment is a payment based on a first biometric feature and has been successfully paid; wherein, the first biometric feature is the biometric feature of the first part of the payer collected during the payment process; The payment evidence information receiving module 82 is used to receive payment evidence information including a second biometric feature sent by the payment verification device; the second biometric feature is obtained by the payment verification device based on the payment identifier; wherein, the second biometric feature is the biometric feature of a second part collected during the payment process; The matching degree determination module 83 is used to determine the degree of matching between the biometric features in the payment evidence information and the biometric features of the chargeback requester; The chargeback request processing module 84 is used to process chargeback requests based on the degree of matching.

[0123] In one possible implementation of this application, the second biometric feature includes: second biometric feature information corresponding to two video frames respectively. One video frame is a video frame collected by the payment feature collection device before collecting the first biometric feature of the payer, and the other video frame is a video frame collected by the payment feature collection device when it detects that the first biometric feature of the payer has left the shooting range. Specifically, the matching degree determination module 83, when determining the matching degree between the biometric features in the payment evidence information and the biometric features of the chargeback requester, is used for: Obtain the fifth biometric feature of the second part of the chargeback requester; The degree of matching between the biometrics in the payment evidence information and the biometrics of the party requesting non-payment is determined based on the second biometric information and the fifth biometric information corresponding to the two video frames respectively.

[0124] This application provides a charging rejection request processing device. In this application embodiment, when the charging rejection request processing device receives a charging rejection request carrying a payment identifier, and the target payment corresponding to the payment identifier is a payment made based on a first biometric feature and has been successfully completed, the charging rejection request device sends a payment evidence provision request for the target payment to the payment verification device. The payment verification device obtains the biometric feature of the second part of the payer collected during the payment process based on the payment identifier, and sends payment evidence information containing the biometric feature of the second part of the payer to the charging rejection request processing device, so that the charging rejection request processing device processes the charging rejection request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the charging rejection requester. In other words, the payment evidence information obtained by the chargeback request processing device for the target payment carries the biometrics of a second part of the payer's body. This allows the device to match the biometrics of the payer's second part with the biometrics of the chargeback requester to determine whether the payer of the target payment is the same as the chargeback requester. If they are the same, the target payment is made by the chargeback requester. If they are not the same, the target payment may not be made by the chargeback requester. In other words, the evidence provided is the biometrics of another part of the payer's body during the payment process. This makes the evidence more reasonable for verifying whether the transaction for which the payer initiated the chargeback request is the payer's own, thus enabling accurate verification of the transaction for which the payer initiated the chargeback request.

[0125] Figure 9 A schematic diagram of the structure of an electronic device to which an embodiment of the present invention applies is shown, such as... Figure 9As shown, the electronic device can be the payment verification device, chargeback request processing device, payment feature collection device, etc., as described above. If the electronic device is the payment verification device described above, it can be used to implement the method provided in any embodiment executed by the payment verification device; if the electronic device is the chargeback request processing device described above, it can be used to implement the method provided in any embodiment executed by the chargeback request processing device described above; if the electronic device is the payment feature collection device described above, it can be used to implement the method provided in any embodiment executed by the payment feature collection device described above.

[0126] like Figure 9 As shown, the electronic device 2000 may primarily include at least one processor 2001. Figure 9 The diagram shows components such as a memory 2002, a communication module 2003, and an input / output interface 2004. Optionally, these components can be connected and communicate with each other via a bus 2005. It should be noted that... Figure 9 The structure of the electronic device 2000 shown is merely illustrative and does not constitute a limitation on the electronic devices to which the methods provided in the embodiments of this application are applicable.

[0127] The memory 2002 can be used to store operating systems and applications, etc. The applications can include computer programs that implement the methods shown in the embodiments of the present invention when invoked by the processor 2001, and can also include programs for implementing other functions or services. The memory 2002 can be ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, RAM (Random Access Memory) or other types of dynamic storage devices that can store information and computer programs, or it can be EEPROM (Electrically Erasable Programmable Read Only Memory), CD-ROM (Compact Disc Read Only Memory) or other optical disc storage, optical disk storage (including compressed optical discs, laser discs, optical discs, digital universal optical discs, Blu-ray discs, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited thereto.

[0128] Processor 2001 is connected to memory 2002 via bus 2005, and implements corresponding functions by calling application programs stored in memory 2002. Processor 2001 can be a CPU (Central Processing Unit), a general-purpose processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array), or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It can implement or execute the various exemplary logic blocks, modules, and circuits described in conjunction with the disclosure of this invention. Processor 2001 can also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0129] Electronic device 2000 can connect to a network via communication module 2003 (which may include, but is not limited to, components such as a network interface) to communicate with other devices (such as user terminals or servers) through the network and achieve data interaction, such as sending data to or receiving data from other devices. Communication module 2003 may include wired network interfaces and / or wireless network interfaces, meaning the communication module may include at least one of wired or wireless communication modules.

[0130] Electronic device 2000 can connect to required input / output devices, such as keyboards and display devices, via input / output interface 2004. Electronic device 2000 itself may have a display device, and other display devices can also be connected externally via interface 2004. Optionally, storage devices, such as hard drives, can also be connected via interface 2004 to store data from electronic device 2000, retrieve data from storage devices, or store data from storage devices into memory 2002. It is understood that input / output interface 2004 can be a wired interface or a wireless interface. Depending on the actual application scenario, the device connected to input / output interface 2004 can be a component of electronic device 2000 or an external device connected to electronic device 2000 when needed.

[0131] The bus 2005 used to connect the components may include a pathway for transmitting information between the components. The bus 2005 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus, etc. Depending on its function, the bus 2005 can be divided into address bus, data bus, control bus, etc.

[0132] Optionally, for the solution provided in the embodiments of the present invention, the memory 2002 can be used to store a computer program that executes the solution of the present invention, and the processor 2001 runs the computer program. When the processor 2001 runs the computer program, it implements the operation of the method or apparatus provided in the embodiments of the present invention.

[0133] Based on the same principle as the method provided in the embodiments of this application, the embodiments of this application provide a computer-readable storage medium storing a computer program, which, when executed by a processor, can implement the corresponding content of the aforementioned method embodiments.

[0134] This application also provides a computer program product, which includes a computer program that, when executed by a processor, can implement the corresponding content of the aforementioned method embodiments.

[0135] It should be noted that the terms "first," "second," "third," "fourth," "1," "2," etc. (if present) in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in a sequence other than that shown in the figures or text.

[0136] In the embodiments of this application, the terms "module" or "unit" refer to a computer program or part of a computer program that has a predetermined function and works with other related parts to achieve a predetermined goal, and can be implemented wholly or partially using software, hardware (such as processing circuitry or memory), or a combination thereof. Similarly, a processor (or multiple processors or memory) can be used to implement one or more modules or units. Furthermore, each module or unit can be part of an overall module or unit that includes the functionality of that module or unit.

[0137] It should be understood that although arrows indicate various operation steps in the flowcharts of this application's embodiments, the order in which these steps are implemented is not limited to the order indicated by the arrows. Unless explicitly stated herein, in some implementation scenarios of this application's embodiments, the implementation steps in each flowchart can be executed in other orders as required. Furthermore, some or all steps in each flowchart, based on the actual implementation scenario, may include multiple sub-steps or multiple stages. Some or all of these sub-steps or stages can be executed at the same time, and each sub-step or stage can also be executed at different times. In scenarios where execution times differ, the execution order of these sub-steps or stages can be flexibly configured according to requirements, and this application's embodiments do not limit this.

[0138] The above description is only an optional implementation method for some implementation scenarios of this application. It should be noted that for those skilled in the art, other similar implementation methods based on the technical concept of this application without departing from the technical concept of this application also fall within the protection scope of the embodiments of this application.

Claims

1. A method for processing a chargeback request, characterized in that, Performed by a payment verification device, the method includes: The system receives a payment evidence provision request for a target payment from a chargeback request processing device, wherein the payment evidence provision request carries a payment identifier of the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; the target payment is a payment made based on a first biometric feature and has been successfully paid; wherein the first biometric feature is a biometric feature of a first part of the payer collected during the payment process; Based on the payment identifier, a second biometric feature corresponding to the target payment is obtained; wherein, the second biometric feature is a biometric feature of a second part of the payer collected during the payment process; The payment rejection request processing device sends payment evidence information including the second biometric feature to process the payment rejection request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the payment rejection requester.

2. The method according to claim 1, characterized in that, The method further includes: Based on the payment identifier, determine the payer identifier corresponding to the target payment; Determine the third biometric feature bound to the payer identifier; wherein, the third biometric feature is the biometric feature of the first part registered by the object corresponding to the payer identifier; The payment evidence information further includes the third biometric feature, and the biometric feature of the chargeback requester includes the fourth biometric feature of the first part and the fifth biometric feature of the second part of the chargeback requester. The matching degree includes the matching degree between the second biometric feature and the fifth biometric feature, and the matching degree between the third biometric feature and the fourth biometric feature.

3. The method according to claim 1, characterized in that, The step of obtaining the second biometric feature corresponding to the target payment based on the payment identifier includes: A biometric feature acquisition request is sent to the target storage device; wherein the biometric feature request includes the payment identifier; the target storage device stores the second part of the biometric features of the payer corresponding to the payment identifier of each payment; Receive the second biometric feature corresponding to the target payment sent by the target storage device.

4. The method according to claim 3, characterized in that, The payment evidence information is collected by the payment feature collection device in the following ways and stored in the target storage device: Receive a payment request for the target payment; In response to the payment request, a target video stream is acquired, and upon receiving payment success information, the first and second biometric features of the payer are stored in the target storage device; wherein, the target video stream includes at least the first and second biometric features of the payer.

5. The method according to claim 4, characterized in that, Acquiring the target video stream and, upon receiving a payment success message, storing the second biometric feature in the target storage device, includes: A first video frame is captured; wherein the first video frame contains the second biometric feature corresponding to the payer; Output a first prompt message, which prompts the payer to provide a first biometric feature; Acquire a second video frame containing the first biometric feature; If a payment success message is received, and when the first part of the payer is detected to be out of the shooting range, a third video frame including the second biometric feature of the payer is captured; The first video frame, the third video frame, and the corresponding payment identifier are sent to the target storage device so that the target storage device stores the second biometric feature contained in the first video frame, the second biometric feature contained in the third video frame, and the payment identifier in association.

6. The method according to claim 5, characterized in that, The second biometric feature contained in the first video frame matches the second biometric feature contained in the third video frame; The step of sending payment evidence information including the second biometric feature to the chargeback request processing device includes: Payment evidence information containing the first video frame and the third video frame is sent to the chargeback request processing device, so that the chargeback request device can process the chargeback request in the following manner: If the fifth biometric feature of the second part of the chargeback requester matches the target second biometric feature, the chargeback request is rejected and a first notification message is sent to the chargeback requester; wherein the target second biometric feature is the second biometric feature contained in the first video frame or the third video frame; the first notification message carries the matching result of the second biometric feature and is used to notify the chargeback requester that the chargeback request processing device has rejected the chargeback request.

7. The method according to claim 6, characterized in that, The chargeback request is processed by the chargeback request device in any of the following ways: If the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, the target second biometric feature is matched with the second biometric feature of an object associated with the chargeback requester; if there is a target object among the associated objects whose second biometric feature matches, a second notification message carrying the second biometric feature of the target object is sent to the chargeback requester; the response information from the chargeback requester to the second notification message is received, and the chargeback request is processed based on the response information; wherein, the second notification message is used to notify the chargeback requester that the target payment was completed by the target object; If the fifth biometric feature of the second part of the chargeback requester does not match the target second biometric feature, the chargeback request is approved, and the successfully paid amount is returned to the chargeback requester's account.

8. The method according to any one of claims 3-7, characterized in that, The target storage device associates and stores the biometric features and storage keys of each payer in the second part. The storage key of a payer is obtained by encrypting the payer's payment identifier, payer identifier, initial key, and the device identifier of the corresponding payment feature collection device. The initial key is stored in the payment feature collection device. Wherein, obtaining the second biometric feature corresponding to the target payment based on the payment identifier includes: Based on the payment identifier, determine the payer identifier corresponding to the target payment; Obtain the device identifier and initial key from the payment feature acquisition device corresponding to the target payment; The payment identifier, payer identifier, device identifier, and initial key are encrypted to obtain the target storage key; Based on the target storage key, the second biometric feature corresponding to the target payment is obtained from the target storage device.

9. A method for processing a chargeback request, characterized in that, Performed by a chargeback request processing device, the method includes: A payment evidence provision request is sent to the payment verification device; wherein the payment evidence provision request carries a payment identifier corresponding to the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; the target payment is a payment made based on a first biometric feature and has been successfully paid; wherein the first biometric feature is a biometric feature of a first part of the payer collected during the payment process; The system receives payment evidence information, including a second biometric feature, sent by the payment verification device. The second biometric feature is obtained by the payment verification device based on the payment identifier. The second biometric feature is a biometric feature of a second part of the body collected during the payment process. The degree of matching between the biometric features in the payment evidence information and the biometric features of the chargeback requester is determined, and the chargeback request is processed based on the degree of matching.

10. A processing apparatus for a chargeback request, characterized in that, The device is installed in the payment verification device, and the device includes: A payment evidence provision request receiving module is used to receive a payment evidence provision request for a target payment sent by a chargeback request processing device. The payment evidence provision request carries a payment identifier of the target payment. The payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier. The target payment is a payment made based on a first biometric feature and has been successfully completed. The first biometric feature is a biometric feature of a first part of the payer collected during the payment process. The acquisition module is used to acquire the second biometric feature corresponding to the target payment based on the payment identifier; wherein, the second biometric feature is the biometric feature of the second part of the payer collected during the payment process; The payment evidence information sending module is used to send payment evidence information including the second biometric feature to the chargeback request processing device, so as to process the chargeback request based on the degree of matching between the biometric feature in the payment evidence information and the biometric feature of the chargeback requester.

11. A processing apparatus for a chargeback request, characterized in that, The device is installed in the chargeback request processing equipment, and the device includes: A payment evidence provision request sending module is used to send a payment evidence provision request to a payment verification device; wherein, the payment evidence provision request carries a payment identifier corresponding to the target payment; the payment evidence provision request is sent by the chargeback request processing device when it receives a chargeback request carrying the payment identifier; the target payment is a payment that has been successfully made based on a first biometric feature; wherein, the first biometric feature is the biometric feature of a first part of the payer collected during the payment process; The payment evidence information receiving module is used to receive payment evidence information including a second biometric feature sent by the payment verification device; the second biometric feature is obtained by the payment verification device based on the payment identifier; wherein, the second biometric feature is a biometric feature of a second part collected during the payment process; The matching degree determination module is used to determine the degree of matching between the biometric features in the payment evidence information and the biometric features of the chargeback requester; The chargeback request processing module is used to process the chargeback request based on the matching degree.

12. A payment verification device, characterized in that, The payment verification device includes a memory and a processor. The memory stores a computer program, and the processor executes the payment rejection request processing method according to any one of claims 1 to 8 when running the computer program.

13. A chargeback request processing device, characterized in that, The chargeback request processing device includes a memory and a processor. The memory stores a computer program, and the processor executes the chargeback request processing method according to claim 9 when running the computer program.

14. A computer-readable storage medium, characterized in that, The storage medium stores a computer program, which, when executed by a processor, implements the method for processing a chargeback request as described in any one of claims 1 to 9.

15. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method for processing a chargeback request as described in any one of claims 1 to 9.

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