Payment transaction method and device, storage medium and electronic equipment

CN122022801APending Publication Date: 2026-05-12INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Filing Date
2026-02-13
Publication Date
2026-05-12

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Abstract

The invention discloses a payment transaction method and device, a storage medium and electronic equipment. The method comprises the steps that a payment transaction instruction sent by a user is responded, and a preset payment interface not containing a graphic code is displayed on a payment terminal; determining a target transaction environment identifier corresponding to the payment terminal according to the geographic position information of the payment terminal; payment action data of the payment terminal is acquired, transaction security detection is performed according to the target transaction environment identifier and the payment action data through a target detection model, a detection result is obtained, and the target detection model is obtained by training a preset machine learning model by adopting a sample data set; and under the condition that the detection result represents that the transaction is safe, updating the preset payment interface into a target payment interface containing the graphic code, and performing payment transaction based on the graphic code in the target payment interface. Through application of the method and the device, the problem of relatively low transaction security when a graphic code is used for payment transaction in related technologies is solved.
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