Enhanced payment verification method, apparatus and system, and server and medium

Abstract

The present application relates to the field of electronic payment. Disclosed are an enhanced payment verification method, apparatus and system, and a server and a medium. The method comprises: when payment is initiated, receiving a verification decision request sent by an electronic wallet platform on the basis of a barcode payment function of a payment application program in which an electronic wallet is embedded, wherein the electronic wallet platform comprises a background server of a built-in electronic wallet of a terminal device; generating a decision application request on the basis of the verification decision request, and sending the decision application request to a verification decision platform; receiving an enhanced verification mode fed back by the verification decision platform in response to the decision application request; sending the enhanced verification mode to the electronic wallet platform, so as to make the electronic wallet platform perform enhanced verification according to the enhanced verification mode, in order to obtain a verification result; and when the verification result indicates that the enhanced verification is successful, interacting with a resource management server to complete the payment.

Description

Payment enhanced verification method, device, server, system and medium

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application claims priority to Chinese patent application 202310898033.1, filed on July 20, 2023, entitled “Method, device, server, system and medium for enhanced payment verification,” the entire contents of which are incorporated herein by reference. Technical Field

[0003] The present application relates to the field of electronic payment, and in particular to a method, device, server, system and medium for enhanced payment verification. Background Art

[0004] With the continuous development of electronic information, electronic payment services have become a major mainstream trend in payment technology. Due to the mobility, speed, and security advantages of terminal devices, electronic payment processing has shifted from computers to terminal devices. The terminal device's operating system comes with a built-in e-wallet, allowing users to link their bank cards to the e-wallet for payment. Furthermore, due to the convenience of barcode payment, users can also install payment applications on their terminal devices and use them to scan and pay. To expand the use of the terminal device's built-in e-wallet, the barcode payment capabilities of payment applications can be integrated into the e-wallet, allowing users to use the payment application's barcode payment capabilities through the e-wallet.

[0005] When making barcode payments through e-wallets, enhanced user verification is required to control payment security. The decision to implement enhanced verification must be made by the entity making the barcode payment. The entity making the barcode payment is the e-wallet, which is owned by the terminal device manufacturer. However, the device manufacturer's security factor is relatively low, increasing the risk of enhanced verification and reducing payment security.

[0006] Summary of the Invention

[0007] The embodiments of the present application provide a method, device, server, system and medium for enhanced payment verification, which can strengthen the management and control of the risks of enhanced verification and improve the security of payment.

[0008] In the first aspect, an embodiment of the present application provides a method for enhanced payment verification, which is applied to a payment transfer platform. The method includes: when initiating a payment, receiving a verification decision request sent by an electronic wallet platform based on a barcode payment function of a payment application embedded in the electronic wallet, the electronic wallet platform including a backend server of the electronic wallet of the terminal device; generating a decision application request based on the verification decision request, and sending it to the verification decision platform; receiving an enhanced verification method fed back by the verification decision platform in response to the decision application request; sending the enhanced verification method to the electronic wallet platform, so that the electronic wallet platform performs enhanced verification according to the enhanced verification method to obtain a verification result; when the verification result indicates that the enhanced verification is passed, interacting with the resource management server to complete the payment.

[0009] In the second aspect, an embodiment of the present application provides a method for enhanced payment verification, which is applied to an electronic wallet platform. The electronic wallet platform includes a backend server of an electronic wallet that comes with a terminal device. The method includes: when initiating a payment, based on the barcode payment function of the payment application embedded in the electronic wallet, sending a verification decision request to the payment transfer platform, so that the payment transfer platform generates a decision application request based on the verification decision request and sends it to the verification decision platform; receiving an enhanced verification method sent by the payment transfer platform, the enhanced verification method is determined by the verification decision platform based on the decision application request; interacting with the terminal device, performing enhanced verification according to the enhanced verification method, and obtaining a verification result; and feeding back the verification result to the payment transfer platform, so that the payment transfer platform interacts with the resource management server to complete the payment when the verification result indicates that the enhanced verification is passed.

[0010] On the third aspect, an embodiment of the present application provides a device for enhanced payment verification, which is applied to a payment transfer platform. The device includes: a receiving module, which is used to receive a verification decision request sent by an electronic wallet platform based on the barcode payment function of a payment application embedded in the electronic wallet when initiating a payment, and the electronic wallet platform includes a backend server of the electronic wallet provided by the terminal device; a request generating module, which is used to generate a decision application request based on the verification decision request; a sending module, which is used to send a decision application request to the verification decision platform; the receiving module is also used to receive an enhanced verification method fed back by the verification decision platform in response to the decision application request; the sending module is also used to send the enhanced verification method to the electronic wallet platform, so that the electronic wallet platform performs enhanced verification according to the enhanced verification method to obtain a verification result; the sending module is also used to interact with the resource management server to complete the payment when the verification result indicates that the enhanced verification is passed.

[0011] Fourthly, an embodiment of the present application provides a device for enhanced payment verification, which is applied to an electronic wallet platform. The electronic wallet platform includes a backend server of an electronic wallet that comes with a terminal device. The device includes: a sending module, which is used to send a verification decision request to a payment transfer platform based on the barcode payment function of a payment application embedded in the electronic wallet when initiating a payment, so that the payment transfer platform generates a decision application request based on the verification decision request and sends it to the verification decision platform; a receiving module, which is used to receive an enhanced verification method sent by the payment transfer platform, and the enhanced verification method is determined by the verification decision platform based on the decision application request; a verification module, which is used to interact with the terminal device, perform enhanced verification according to the enhanced verification method, and obtain a verification result; the sending module is also used to feedback the verification result to the payment transfer platform, so that the payment transfer platform interacts with the resource management server to complete the payment when the verification result indicates that the enhanced verification is passed.

[0012] In a fifth aspect, an embodiment of the present application provides a server applied to a payment switching platform, the server comprising: a processor and a memory storing computer program instructions; and the method for enhanced payment verification of the first aspect is implemented when the processor executes the computer program instructions.

[0013] In a sixth aspect, an embodiment of the present application provides a server applied to an electronic wallet platform, the server comprising: a processor and a memory storing computer program instructions; and the method for enhanced payment verification of the second aspect is implemented when the processor executes the computer program instructions.

[0014] In a seventh aspect, an embodiment of the present application provides a system for enhanced payment verification, comprising: a payment transfer platform for executing the enhanced payment verification method of the first aspect; and an electronic wallet platform for executing the enhanced payment verification method of the second aspect.

[0015] In an eighth aspect, an embodiment of the present application provides a computer-readable storage medium having computer program instructions stored thereon. When the computer program instructions are executed by a processor, the method for enhanced payment verification in the first aspect or the method for enhanced payment verification in the second aspect is implemented.

[0016] The present invention provides a method, device, server, system, and medium for enhanced payment verification. When initiating a payment, the payment transfer platform of the payment transfer party can receive a verification decision request sent by the electronic wallet platform based on the barcode payment function of the payment application embedded in the electronic wallet, and generate a decision application request based on the verification decision request. The decision application request is sent to the verification decision platform, so that the verification decision platform can assign an enhanced verification method suitable for the current payment based on the decision application request. The payment transfer platform can forward the enhanced verification method feedback from the verification decision platform to the electronic wallet platform, so that the electronic wallet platform can perform enhanced verification according to the enhanced verification method to verify the authenticity of the identity of the paying user. If the enhanced verification passes, the payment process continues to complete the payment. In this process, the implementation of enhanced verification is carried out by the electronic wallet platform of the terminal device manufacturer, but the decision on the enhanced verification method is handed over to the payment transfer platform and the verification decision platform of the payment transfer party. The payment transfer party itself is responsible for the payment transfer, which has a higher security factor and stronger risk control. The enhanced verification corresponding to the enhanced verification method determined by the decision can be more secure, thereby improving the security of the payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0018] FIG1 is a schematic diagram of an example of a scenario architecture of a method for enhanced payment verification provided in an embodiment of the present application;

[0019] FIG2 is a schematic diagram of an example of a display interface of an electronic wallet provided in an embodiment of the present application;

[0020] FIG3 is a schematic diagram of another example of a scenario architecture of a method for enhanced payment verification provided in an embodiment of the present application;

[0021] FIG4 is a flow chart of a payment enhanced verification method provided by an embodiment of the first aspect of the present application;

[0022] FIG5 is a flowchart of a payment enhanced verification method provided by an embodiment of the second aspect of the present application;

[0023] FIG6 is a flowchart of an example of a payment process provided in an embodiment of the present application;

[0024] FIG7 is a flowchart of an example of a scanned payment process provided in an embodiment of the present application;

[0025] FIG8 is a flowchart of an example of a main scan payment process provided in an embodiment of the present application;

[0026] FIG9 is a schematic diagram of the structure of a device for enhanced payment verification provided in an embodiment of the third aspect of the present application;

[0027] FIG10 is a schematic diagram of the structure of a payment enhanced verification device provided in an embodiment of the fourth aspect of the present application;

[0028] Figure 11 is a structural diagram of the server provided in an embodiment of the fifth aspect of this application. DETAILED DESCRIPTION

[0029] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is merely to provide a better understanding of the present application by illustrating examples of the present application. It should be noted that the acquisition, storage, use, processing, etc. of information and data in the embodiments of the present application are authorized by the user or relevant agencies and comply with the relevant provisions of national laws and regulations.

[0030] With the continuous development of electronic information, electronic payment has become a major trend in payment technology. The advantages of terminal devices, such as mobility, speed, and security, have led to a shift in electronic payment processing from computers to terminal devices. Terminal operating systems often include built-in e-wallets, allowing users to link bank cards to these wallets for payment. Furthermore, due to the convenience of barcode payment, users can install payment applications on their terminals and use them to scan and pay. To expand the use of built-in e-wallets on terminal devices, the barcode payment capabilities of payment applications can be integrated into e-wallets, allowing users to access these capabilities through their e-wallets. When using e-wallets for barcode payment, enhanced user authentication is required to ensure security. The decision to implement enhanced authentication is made by the entity making the barcode payment, which is the e-wallet, owned by the terminal device manufacturer. However, the lower security level of the device manufacturer increases the risk of enhanced authentication and reduces payment security.

[0031] The present application provides a method, device, server, system, and medium for enhanced payment verification, which are applied to scenarios where an electronic wallet in a terminal device utilizes the barcode payment function of an embedded payment application to make payments. Through interaction between a payment transfer server belonging to the payment transfer party and an electronic wallet platform belonging to the terminal device manufacturer, the decision on enhanced verification in the payment can be transferred to the payment transfer platform through a verification decision platform. Both the payment transfer platform and the verification decision platform belong to the payment transfer party. The payment transfer party itself is responsible for the transfer of payments. The enhanced verification method is decided by the payment transfer party, which has a higher security factor and lower risks of enhanced verification, thereby improving the security of payments.

[0032] For ease of understanding, the scenario architecture involved in this application is first explained here. Figure 1 is a schematic diagram of an example of the scenario architecture of the payment enhancement verification method provided in an embodiment of this application. As shown in Figure 1, the payment enhancement verification method provided in an embodiment of this application may involve a terminal device manufacturer 11 and a payment transfer party 12. The terminal device manufacturer 11 has an electronic wallet platform 111 and a terminal device 112, and the payment transfer party 12 has a payment transfer platform 121 and a verification decision platform 122.

[0033] The terminal device 112 produced by the terminal device manufacturer 11 has a built-in e-wallet, and the e-wallet platform 111 includes the backend server of the e-wallet of the terminal device 112, which belongs to the terminal device manufacturer. The e-wallet of the terminal device 112 can be bound to the user's bank card through user operations to complete the payment of the e-wallet using the bank card. The terminal device 112 can interact with the e-wallet platform 111 to realize the functions of the e-wallet of the terminal device 112. A payment application with a barcode payment function can also be installed in the terminal device 112. In the embodiment of the present application, the e-wallet of the terminal device 112 can be embedded in the barcode payment function of the payment application. It should be noted that the barcode payment function of the payment application is embedded in the e-wallet, which means that the e-wallet can display the payment code of the payment application, and the e-wallet can scan the payment code corresponding to the payment application, and does not mean jumping from the e-wallet to the payment application and then using the barcode payment function of the payment application. For example, FIG2 is a schematic diagram of an example of a display interface of an electronic wallet provided in an embodiment of the present application. As shown in FIG2 , the display interface of the electronic wallet can display the payment code 21 of the payment application, and can also display a scanning function icon 22 for scanning the payment code of the payment application, and can also display a payment icon 23 of a bound bank card. The electronic wallet has a bank card payment function and a barcode payment function of the payment application. The embedding of the barcode payment function of the payment application in the electronic wallet can be achieved through the interaction between the electronic wallet platform 111 and the payment transfer platform 121. In some examples, the payment transfer platform 121 can be used to issue a payment code or a payment code, and the embedding of the barcode payment function of the payment application in the electronic wallet can be achieved through the interaction between the electronic wallet platform 111 and the payment transfer platform 121. In other examples, the payment switching platform 121 can interact with platforms and devices that issue payment or receipt codes. This interaction, along with the interaction between the e-wallet platform 111 and the payment switching platform 121, allows the barcode payment functionality of the payment application to be embedded in the e-wallet. The e-wallet platform 111 can include one or more servers, or other types of devices, without limitation. The terminal device 112 can include a mobile phone, tablet computer, smartwatch, smart bracelet, and other devices, without limitation.

[0034] The payment transfer party 12 is responsible for payment transfer. All types of electronic payments must be transferred through the payment transfer party 12. The payment transfer party 12 interacts with the resource manager to enable the relevant equipment of the resource manager, such as the resource management server, to deduct and transfer transaction resources to complete the payment. The payment transfer platform 121 can be used to interact with the electronic wallet platform 111 and the verification decision platform 122 to transfer the decision-making power of the enhanced verification method to the verification decision platform 122. The payment transfer platform 121 in the embodiment of the present application can reuse the server of the payment transfer party 12 to realize the transfer of other types of electronic payments, or it can be a new server established by the payment transfer party 12 specifically for implementing the payment enhanced verification method in the embodiment of the present application, which is not limited here. The payment transfer platform 121 may include one server or two or more servers, and may also include other types of equipment, which is not limited here.

[0035] Verification decision platform 122 can be used to determine an enhanced verification method suitable for payments initiated using the barcode payment function of the payment application embedded in the e-wallet, so that the e-wallet and e-wallet platform 111 can perform enhanced verification according to the adapted enhanced verification method, completing the payment while ensuring payment security. Verification decision platform 122 can include one server, two or more servers, or other types of devices, and is not limited here.

[0036] The payment transfer platform 121 and the verification decision platform 122 both belong to the payment transfer party 12. The security factor of the payment transfer party 12 is higher than that of the terminal device manufacturer 11. Correspondingly, the security factors of the payment transfer platform 121 and the verification decision platform 122 of the payment transfer party 12 are also higher than the security factor of the electronic wallet platform 111 of the terminal device manufacturer 11. Transferring the decision of the enhanced verification method to the payment transfer party for processing can reduce payment risks and improve payment security.

[0037] In some examples, the payment enhancement verification method provided in the embodiments of the present application may also involve resource managers, such as banks. Figure 3 is a schematic diagram of another example of the scenario architecture of the payment enhancement verification method provided in the embodiments of the present application. The difference between Figure 3 and Figure 1 is that the payment enhancement verification method in Figure 3 also involves a resource manager 13. The resource manager 13 may have a resource management server 131, which is used to realize the deduction and transfer of user funds during payment. The resource management server 131 may include one server or two or more servers, and may also include other types of devices, which are not limited here.

[0038] The following describes the method, device, server, system, and medium for enhanced payment verification provided in this application.

[0039] A first aspect of the present application provides a method for enhanced payment verification, which can be applied to a payment switching platform, that is, the method for enhanced payment verification can be executed by the payment switching platform. Figure 4 is a flow chart of the method for enhanced payment verification provided by an embodiment of the first aspect of the present application. As shown in Figure 4, the method for enhanced payment verification may include steps S301 to S305.

[0040] In step S301 , in the case of initiating payment, a verification decision request is received from the electronic wallet platform based on the barcode payment function of the payment application embedded in the electronic wallet.

[0041] Payments initiated using an e-wallet may include barcode payment functionality enabled by the payment application embedded in the e-wallet and the e-wallet's native bank card payment functionality. If the payment is initiated using the barcode payment functionality of the payment application embedded in the e-wallet, step S301 may be executed. The e-wallet platform sends a verification decision request to the payment switching platform. This request requests the payment switching platform to make a decision and provide enhanced verification methods.

[0042] In some examples, the verification decision request may include terminal user association information. This terminal user association information includes characteristic information related to the terminal device and the user, and may be collected by the terminal device and the e-wallet platform. The terminal device may send the collected terminal user association information to the e-wallet platform. The e-wallet platform integrates the terminal user association information collected by the platform with the terminal device and sends the information to the payment transfer party, i.e., the payment transfer institution, via a verification decision request.

[0043] Specifically, terminal user-associated information may include, but is not limited to, one or more of the following: terminal device information, terminal network environment information, account information, and terminal user usage habits. Terminal device information may include information related to the terminal device. For example, terminal device information may include one or more of the following: terminal device identification, terminal device type, terminal device model, and terminal device location. The terminal device location may represent the geographical location of the terminal device and may be obtained based on a positioning device in the terminal device. For example, the terminal device location may be the Global Positioning System (GPS) location of the terminal device. Terminal network environment information may include information related to the terminal device, such as network type information and operating environment information. For example, terminal network environment information may include one or more of the following: the terminal device's Internet Protocol (IP) address, e-wallet version information, and the terminal device's operating system information. Account information may include information related to the user's account in the terminal device's e-wallet. For example, account information may include one or more of the following: the account registration date, the user identification of the registered account, and the account's payment password update timestamp. The terminal user usage habit information includes the user's habit information on using the terminal device. For example, the terminal user usage habit information may include one or more of the following information: the user's habitual time of using the terminal device to pay, the user's habitual frequency of using the terminal device to pay, the user's habitual amount range of using the terminal device to pay, etc.

[0044] In step S302, a decision application request is generated according to the verification decision request and sent to the verification decision platform.

[0045] The Decision Request is used to request an enhanced verification method compatible with payments initiated by the barcode payment function of the payment application embedded in the e-wallet from the Verification Decision Platform. The Payment Switch Platform generates a Decision Request based on the information in the Verification Decision Request and its own collected information, and sends it to the Verification Decision Platform.

[0046] In some examples, the payment switching platform may obtain user transaction association information corresponding to the user indicated by the terminal user association information in the payment switching platform, and generate a decision application request based on the verification decision request and the user transaction association information.

[0047] The generated decision application request may include terminal user association information and user transaction association information. For terminal user association information, please refer to the relevant description above and will not be repeated here. User transaction association information includes characteristic information related to the user and the transaction held by the payment transferor. Specifically, user transaction association information includes one or more of the following: transaction user information, user risk level information, and payment information. Transaction user information includes information related to the paying user. For example, transaction user information may include one or more of the following: user ID number, user attributes, user registration source, etc. User risk level information may indicate the user's risk level. The higher the user's risk level, the higher the risk of the payment; the lower the user's risk level, the lower the risk of the payment. Payment information includes information related to the payment. For example, payment information may include one or more of the following: the user's card binding source, payment card number, payment card type, merchant number, payment method, payment amount, etc.

[0048] In step S303, the enhanced verification method fed back by the verification decision platform in response to the decision application request is received.

[0049] After receiving the decision application request, the verification decision platform may assign the corresponding enhanced verification method for this payment based on the information carried in the decision application request, and feedback the assigned enhanced verification method to the payment transfer platform. In some examples, the verification decision platform may determine the enhanced verification method based on the decision application request and the preset decision rules, that is, the enhanced verification method is determined by the verification decision platform based on the decision application request and the preset decision rules. The decision rules may reflect the correspondence between the information carried by the decision application request, the payment risk, and the enhanced verification method. The verification decision platform may determine the corresponding enhanced verification method based on the decision rules satisfied by the information carried in the decision application request. In some examples, the decision rules may be obtained from a pre-established knowledge base, which may be stored in the verification decision platform or in a server established by other payment transfer parties, which is not limited here.

[0050] The higher the payment risk corresponding to the information carried in the decision application request, the higher the security requirements for the corresponding enhanced verification method. In some examples, enhanced verification methods include direct approval without verification, direct termination without verification, or verification. Direct approval without verification means that no specific enhanced verification is required, and the verification can be directly determined to be passed. Direct approval without verification is an enhanced verification method corresponding to extremely low payment risks. Direct termination without verification means that no specific enhanced verification is required, and the verification can be directly determined to be failed. Direct termination without verification is an enhanced verification method corresponding to extremely high payment risks. Verification means that specific enhanced verification is performed. The payment risk corresponding to verification is higher than the payment risk corresponding to direct approval without verification and lower than the payment risk corresponding to direct termination without verification. Verification with verification may include, but is not limited to, one or more of the following: payment password verification, verification code verification, and biometric verification. Payment password verification may refer to identity verification that requires the user to provide a payment password. Verification code verification may refer to identity verification that requires the user to provide a verification code. The verification code may include an SMS verification code or other types of verification codes, which are not limited here. Biometric verification refers to identity verification that requires a user to provide biometric features. Biometric features may include, but are not limited to, facial images, fingerprints, voiceprints, palm prints, irises, or any combination of these. Different types of verification can be used independently or in combination, and are not limited to these.

[0051] In step S304, the enhanced verification method is sent to the electronic wallet platform, so that the electronic wallet platform performs enhanced verification according to the enhanced verification method and obtains a verification result.

[0052] The payment gateway platform sends the enhanced verification method to the e-wallet platform, allowing the terminal device manufacturer to determine the enhanced verification method. This allows the e-wallet platform to interact with the terminal device, implement enhanced verification, and obtain a verification result. Enhanced verification is used to confirm the authenticity of the paying user's identity. The verification result can indicate whether the enhanced verification has passed or failed. The authenticity of the paying user's identity can be determined based on the enhanced verification result. A successful enhanced verification indicates that the paying user's identity is authentic; a failed enhanced verification indicates that the paying user's identity is not authentic.

[0053] In some examples, the e-wallet platform receives the enhanced verification method, and sends a verification instruction to the terminal device according to the enhanced verification method, so that the e-wallet in the terminal device responds to the verification instruction, displays the verification interface, and collects the verification information entered by the user; the terminal device feeds back the collected verification information to the e-wallet platform; the e-wallet platform receives the verification information, matches the verification information with the verification standard information, and obtains the verification result. The verification standard information is the real identity information of the paying user. If the verification information successfully matches the verification standard information, the verification result indicates that the enhanced verification has passed, the identity of the paying user is authentic, and the payment is secure; if the verification information fails to match the verification standard information, the verification result indicates that the enhanced verification has failed, the identity of the paying user is not authentic, and the payment is not secure. It should be noted that if the matching of the verification information and the verification standard information times out, the verification result indicates that the enhanced verification has failed.

[0054] For example, if the enhanced verification method provided by the verification decision platform includes direct approval without verification, it means that the payment transfer party has determined that the security of this payment is relatively high. The e-wallet platform may not perform specific enhanced verification and directly assume that the verification is passed. The terminal device may be notified through a verification instruction that no verification is required and the subsequent payment process can be continued to complete the payment. If the enhanced verification method provided by the verification decision platform includes direct termination without verification, it means that the payment transfer party has determined that this payment is extremely suspicious and extremely risky. The e-wallet platform may not perform specific enhanced verification and directly assume that the verification is failed. The terminal device may be notified through a verification instruction that no verification is required and the payment is terminated. If the enhanced verification method provided by the verification decision platform includes payment password verification during verification, the e-wallet platform will notify the terminal device through a verification instruction to perform payment password verification. The terminal device will display the payment password verification page, prompting the user to enter the payment password, and send the payment password entered by the user to the e-wallet platform. The e-wallet platform will match the payment password entered by the user with the pre-stored payment password set by the user to obtain the verification result. If the enhanced verification method provided by the verification decision platform includes verification code verification, the e-wallet platform will notify the terminal device through a verification instruction to perform verification code verification. The terminal device may display the verification code verification page, prompting the user to enter the SMS verification code, and send the SMS verification code entered by the user to the e-wallet platform. The e-wallet platform will match the SMS verification code entered by the user with the SMS verification code obtained from the verification code generator to obtain the verification result. If the enhanced verification method provided by the verification decision platform includes biometric verification, and the biometric verification is facial verification, the e-wallet platform will notify the terminal device through a verification instruction to perform facial verification. The terminal device may call up the facial information collection page, collect the user's facial information, and send the collected facial information to the e-wallet platform. The e-wallet platform will match the collected facial information with the user's registered facial information to obtain the verification result. If the enhanced verification method given by the verification decision platform includes biometric verification, and the biometric verification is fingerprint verification, the e-wallet platform will notify the terminal device to perform fingerprint verification through a verification instruction. The terminal device can call up the fingerprint information collection page, collect the user's fingerprint information, and send the collected fingerprint information to the e-wallet platform. The e-wallet platform will match the collected fingerprint information with the registered fingerprint information of the user to obtain the verification result.

[0055] In step S305, when the verification result indicates that the enhanced verification is passed, interaction with the resource management server is performed to complete the payment.

[0056] The payment switching platform receives the verification results from the e-wallet platform. If the verification results indicate that the enhanced verification has passed, the payment is considered secure and the payment process can continue. The payment switching platform interacts with the resource management server, which completes the deduction of payment resources from the payment account and the transfer of payment resources to the receiving account.

[0057] In an embodiment of the present application, when initiating a payment, the payment transfer platform of the payment transfer party may receive a verification decision request sent by the e-wallet platform based on the barcode payment function of the payment application embedded in the e-wallet, generate a decision application request based on the verification decision request, and send the decision application request to the verification decision platform, so that the verification decision platform can assign an appropriate enhanced verification method for the current payment based on the decision application request. The payment transfer platform may forward the enhanced verification method feedback from the verification decision platform to the e-wallet platform, so that the e-wallet platform can perform enhanced verification according to the enhanced verification method to verify the authenticity of the paying user's identity. If the enhanced verification passes, the payment process will continue to complete the payment. In this process, the implementation of enhanced verification is carried out by the e-wallet platform of the terminal device manufacturer, but the decision on the enhanced verification method is handed over to the payment transfer party's payment transfer platform and the verification decision platform. The payment transfer party itself is responsible for the payment transfer, which has a higher security factor and stronger risk management. The enhanced verification corresponding to the enhanced verification method determined by the decision can be more secure, thereby improving the security of the payment.

[0058] In some embodiments, before the payment switching platform receives the verification decision request in step S301, the payment switching platform may also receive a transaction request, which includes a payment identifier and an e-wallet identifier. The transaction request is used to initiate payment. The e-wallet identifier is used to identify the e-wallet. Different terminal device manufacturers have different e-wallets, that is, different terminal device manufacturers have different corresponding e-wallet identifiers. The e-wallet identifier can also be considered to identify the terminal device manufacturer. The payment identifier can be used to determine the payment method. The payment identifier may include a payment card identifier or a payment application identifier. If the payment identifier includes a payment card identifier, such as a bank card payment token, this indicates that the payment method is to use the payment card bound to the e-wallet. If the payment identifier includes a payment application identifier, this indicates that the payment method is to use the barcode payment function of the payment application embedded in the e-wallet. Correspondingly, the payment switching platform receiving the verification decision request sent by the e-wallet platform based on the barcode payment function of the payment application embedded in the e-wallet in step S301 can be specifically refined as follows: if the payment identifier in the transaction request includes a payment application identifier, the verification decision request sent by the e-wallet platform is received, and the payment application identifier indicates the payment application. In the case where the payment identifier in the transaction request includes the payment application identifier, the transaction request also includes a user identifier, which is used to identify the user so as to determine the paying user in the subsequent payment process. For example, the user identifier may include the user's mobile phone number or other identifier that can indicate the user. In an embodiment of the present application, the payment identifier in the transaction request can be used to distinguish between the payment card payment of the electronic wallet itself and the barcode payment of the payment application embedded in the electronic wallet. Only in the case where the payment is the barcode payment of the payment application embedded in the electronic wallet, the decision on the enhanced verification method will be handed over to the payment transfer platform and the verification decision platform, and the decision will be made by the payment transfer party. In the case where the payment identifier in the transaction request includes the payment card identifier, the electronic wallet platform can carry out the normal payment process of the electronic wallet, and there is no need to hand over the decision on the enhanced verification method to the payment transfer platform and the verification decision platform.

[0059] In some examples, after the payment switching platform receives the transaction request, the payment switching platform may also feedback transaction information to the e-wallet platform. The transaction information may include the order information of this payment. If the payment is made using a payment card bound to the e-wallet, the payment switching platform will feedback the order information for the payment card to the e-wallet platform. If the payment is made using the barcode payment function of the payment application embedded in the e-wallet, the payment switching platform will feedback the order information for the payment application to the e-wallet platform. The order information may include the payment code, order number, merchant name, order type, etc. For example, in the scanned payment, the order information may include the payment code, etc.; in the main scan payment, the order information may include the order number, merchant name, etc.

[0060] The barcode payment function of the payment application embedded in the e-wallet in the above-mentioned embodiment can include a scanned payment function and a main scan payment function. With the scanned payment function, the terminal device's e-wallet can display a payment code, and the payee can use the merchant's device to scan the payment code to initiate payment (i.e., scanned payment). With the main scan payment function, the terminal device can scan the payment code presented by the payee to initiate payment (i.e., main scan payment).

[0061] In the scanned payment scenario, before the payment switching platform receives the transaction request, the e-wallet platform may send a payment code request to the payment switching platform to request the payment code. The payment switching platform receives the payment code request sent by the e-wallet platform, and in response to the payment code request, sends the payment code to the e-wallet platform so that the e-wallet platform provides the payment code to the e-wallet in the terminal device so that the e-wallet can display the payment code. The payment code can be generated by the payment switching platform or obtained by the payment switching platform from a server for generating payment codes, which is not limited here. The transaction request is triggered by the merchant device scanning the payment code displayed by the e-wallet in the terminal device, and is sent to the payment switching platform through the acquiring server. That is, the merchant device scans the payment code displayed by the e-wallet in the terminal device, and the merchant device interacts with the acquiring server, which can enable the acquiring server to send the transaction request for payment triggered by the payment code to the payment switching platform.

[0062] In the primary scan payment scenario, a transaction request is triggered by the terminal device's electronic wallet scanning the payment code, which is then sent to the payment switching platform via the electronic wallet platform. Specifically, the terminal device scans the payee's payment code, triggering the transaction request. The terminal device then sends the transaction request to the electronic wallet platform, which then sends the transaction request to the payment switching platform, which then receives it. The payee's payment code can be obtained in advance from the payment switching platform, or from a server used to generate payment codes, without limitation here.

[0063] A second aspect of the present application provides a method for enhanced payment verification, which can be applied to an e-wallet platform, that is, the method for enhanced payment verification can be executed by the e-wallet platform. Figure 5 is a flowchart of the method for enhanced payment verification provided by an embodiment of the second aspect of the present application. As shown in Figure 5, the method for enhanced payment verification may include steps S401 to S404.

[0064] In step S401, when initiating payment, based on the barcode payment function of the payment application embedded in the electronic wallet, a verification decision request is sent to the payment switching platform, so that the payment switching platform generates a decision application request based on the verification decision request and sends it to the verification decision platform.

[0065] In some examples, the verification decision request includes terminal user association information. The decision application request includes the terminal user association information and user transaction association information. The user transaction association information corresponds to the user indicated by the terminal user association information in the payment switching platform.

[0066] Terminal user associated information may include but is not limited to one or more of the following: terminal device information, terminal network environment information, account information, and terminal user usage habit information. For specific content, please refer to the relevant description in the above embodiment and will not be repeated here.

[0067] User transaction association information may include but is not limited to one or more of the following: transaction user information, user risk level information, and payment information. For specific content, please refer to the relevant description in the above embodiments and will not be repeated here.

[0068] In step S402, the enhanced verification method sent by the payment switching platform is received.

[0069] The enhanced verification mode is determined by the verification decision platform based on the decision application request. Specifically, the enhanced verification mode is determined by the verification decision platform based on the decision application request and preset decision rules. For details, please refer to the relevant description in the above embodiment and will not be repeated here.

[0070] In some examples, enhanced verification methods include direct approval without verification, direct termination without verification, or verification with verification. Verification with verification includes, but is not limited to, one or more of the following: payment password verification, verification code verification, and biometric verification.

[0071] In step S403, the enhanced verification is performed in accordance with the enhanced verification method by interacting with the terminal device to obtain a verification result.

[0072] In step S404, the verification result is fed back to the payment switching platform, so that the payment switching platform interacts with the resource management server to complete the payment if the verification result indicates that the enhanced verification has passed.

[0073] The specific contents of the above steps S401 to S404 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0074] In an embodiment of the present application, when initiating a payment, the e-wallet platform sends a verification decision request to the payment switching platform based on the barcode payment function of the payment application embedded in the e-wallet, so that the payment switching platform generates a decision application request based on the verification decision request and sends the decision application request to the verification decision platform. The verification decision platform then allocates an enhanced verification method suitable for this payment based on the decision application request. The e-wallet platform can receive the enhanced verification method forwarded by the payment switching platform and perform enhanced verification according to the enhanced verification method to verify the authenticity of the identity of the paying user. If the enhanced verification passes, the payment process continues to complete the payment. In this process, the implementation of the enhanced verification is carried out by the e-wallet platform of the terminal device manufacturer, but the decision on the enhanced verification method is handed over to the payment switching platform and the verification decision platform of the payment switching party. The payment switching party itself is responsible for the payment switching, which has a higher security factor and stronger risk control. The enhanced verification corresponding to the enhanced verification method obtained by the decision can be more secure, thereby improving the security of the payment.

[0075] In some embodiments, before step S401, the e-wallet platform may also send a transaction request to the payment switching platform, the transaction request including a payment identifier and an e-wallet identifier. Accordingly, in step S401, the verification decision request sent to the payment switching platform based on the barcode payment function of the payment application embedded in the e-wallet may be specifically refined as follows: if the payment identifier in the transaction request includes a payment application identifier, the verification decision request is sent to the payment switching platform. If the payment identifier in the transaction request also includes a payment application identifier, the transaction request also includes a user identifier. The details of this section can be found in the relevant descriptions of the above embodiments and will not be repeated here.

[0076] In some embodiments, step S403 may be further refined as follows: sending a verification instruction to the terminal device according to the enhanced verification method; receiving verification information collected by the terminal device in response to the verification instruction; and matching the verification information with the verification standard information to obtain a verification result. The details of this part can be found in the relevant descriptions of the above embodiments and will not be repeated here.

[0077] In the above embodiment, the payment initiated based on the barcode payment function of the payment application embedded in the electronic wallet may include scanned payment and main scan payment.

[0078] In the scan-to-pay scenario, before the e-wallet platform sends a verification decision request to the payment switching platform, the e-wallet platform may also send a payment code request to the payment switching platform; receive the payment code provided by the payment switching platform in response to the payment code request; and send the payment code to the terminal device so that the e-wallet on the terminal device displays the payment code. The details of this part can be found in the relevant description of the above embodiment and will not be repeated here.

[0079] In the primary scan payment scenario, before the e-wallet platform sends a transaction request to the payment switching platform, it may also receive a transaction initiation request from the terminal device. This transaction initiation request is triggered by the e-wallet in the terminal device scanning the payment code. Accordingly, the e-wallet platform sending the transaction request to the payment switching platform can be specifically detailed as follows: in response to the transaction initiation request, sending the transaction request to the payment switching platform. The details of this section can be found in the relevant description of the above embodiment and will not be repeated here.

[0080] For ease of understanding, the following uses a specific example to illustrate the payment process between the electronic wallet platform, the payment transfer platform, and the verification decision platform using the payment enhanced verification method in the embodiments of the present application. Figure 6 is a flowchart of an example of the payment process provided in the embodiments of the present application. As shown in Figure 6, the payment process may include steps a1 to a10.

[0081] In step a1, the electronic wallet platform initiates a transaction request to the payment switching platform.

[0082] In step a2, the payment switching platform feeds back transaction information to the electronic wallet platform, and the transaction information may include order information.

[0083] In step a3, the payment switching platform sends an enhanced verification request to the electronic wallet platform.

[0084] In step a4, the electronic wallet platform sends a verification decision request to the payment switching platform.

[0085] In step a5, the payment switching platform sends a decision application request to the verification decision platform, requesting the verification decision platform to make a decision on the enhanced verification method.

[0086] In step a6, the verification decision platform sends the enhanced verification method to the payment switching platform.

[0087] In step a7, the payment switching platform sends the enhanced verification method to the electronic wallet platform.

[0088] In step a8, the electronic wallet platform performs enhanced verification on the paying user according to the enhanced verification method and obtains a verification result.

[0089] In step a9, the electronic wallet platform sends the verification result to the payment switching platform.

[0090] In step a10, the payment switching platform determines whether to continue payment based on the verification result.

[0091] If the verification result indicates that the enhanced verification has passed, payment will continue; if the verification result indicates that the enhanced verification has failed, payment will be stopped.

[0092] The payment switching platform can interact with the resource management server to enable the resource management server to complete the payment deduction.

[0093] The specific contents of the above steps a1 to a10 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0094] The enhanced payment verification in the embodiment of the present application is mainly used in the barcode payment scenario of the barcode payment function of the payment application in the electronic wallet. The barcode payment may include scanned payment and main scan payment. Scanned payment is often used in scenarios with strict payment time requirements and good merchant qualifications, such as large supermarkets, chain stores, etc. Main scan payment is often used in scenarios such as small and micro merchant consumption and online payment. The following two specific examples illustrate the scanned payment process and the main scan payment process using the enhanced payment verification method in the embodiment of the present application between the electronic wallet platform, the payment transfer platform and the verification decision platform.

[0095] FIG7 is a flowchart of an example of a scanned payment process provided in an embodiment of the present application. As shown in FIG7 , the payment process may include steps b1 to b13.

[0096] In step b1, the electronic wallet platform sends a payment code request to the payment switching platform, requesting a payment code.

[0097] In step b2, the payment switching platform feeds back the payment code to the electronic wallet platform, so that the electronic wallet platform provides the payment code to the terminal device.

[0098] In step b3, the merchant device scans the payment code and initiates a transaction request to the payment switching platform.

[0099] The merchant device can initiate a transaction request to the payment transfer platform directly, or it can initiate a transaction request to the payment transfer platform through the acquiring server.

[0100] In step b4, the payment switching platform sends an enhanced verification request to the electronic wallet platform.

[0101] In step b5, the electronic wallet platform sends a verification decision request to the payment switching platform.

[0102] In step b6, the payment switching platform sends a decision application request to the verification decision platform.

[0103] In step b7, the verification decision platform sends the enhanced verification method to the payment switching platform.

[0104] In step b8, the payment switching platform sends the enhanced verification method to the electronic wallet platform.

[0105] In step b9, the electronic wallet platform performs enhanced verification on the paying user according to the enhanced verification method and obtains a verification result.

[0106] In step b10, the electronic wallet platform sends the verification result to the payment switching platform.

[0107] In step b11, if the verification result indicates that the enhanced verification is passed, the payment switching platform can complete the payment deduction.

[0108] The payment switching platform can interact with the resource management server to enable the resource management server to complete the payment deduction.

[0109] In step b12, the payment switching platform feeds back the payment result to the electronic wallet platform, where the payment result indicates whether the payment is successful.

[0110] In step b13, the payment switching platform feeds back the payment result to the merchant device.

[0111] The specific contents of the above steps b1 to b13 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0112] FIG8 is a flowchart of an example of a main scan payment process provided in an embodiment of the present application. As shown in FIG8 , the payment process may include steps c1 to c11.

[0113] In step c1, the terminal device scans the payment code provided by the payee and initiates a transaction request to the payment switching platform through the electronic wallet platform.

[0114] In step c2, the payment switching platform feeds back transaction information to the electronic wallet platform, and the transaction information may include order information.

[0115] In step c3, the electronic wallet platform sends a verification decision request to the payment switching platform.

[0116] In step c4, the payment switching platform sends a decision application request to the verification decision platform.

[0117] In step c5, the verification decision platform sends the enhanced verification method to the payment switching platform.

[0118] In step c6, the payment switching platform sends the enhanced verification method to the electronic wallet platform.

[0119] In step c7, the electronic wallet platform performs enhanced verification on the paying user according to the enhanced verification method and obtains a verification result.

[0120] In step c8, the electronic wallet platform sends the verification result to the payment switching platform.

[0121] In step c9, if the verification result indicates that the enhanced verification is passed, the terminal device receives the user's input operation, confirms the payment, and sends a payment request to the payment transfer platform through the electronic wallet platform.

[0122] In step c10, the payment switching platform completes the payment.

[0123] Specifically, the payment switching platform may interact with the resource management server so that the resource management server completes the payment deduction.

[0124] In step c11, the payment switching platform feeds back the payment result to the electronic wallet platform, where the payment result indicates whether the payment is successful.

[0125] The specific contents of the above steps c1 to c11 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0126] A third aspect of the present application provides an apparatus for enhanced payment verification, which is applied to a payment switching platform. FIG9 is a schematic diagram of the structure of an apparatus for enhanced payment verification provided in an embodiment of the third aspect of the present application. As shown in FIG9 , the apparatus 500 for enhanced payment verification may include a receiving module 501, a request generating module 502, and a sending module 503.

[0127] The receiving module 501 can be used to receive a verification decision request sent by the electronic wallet platform based on the barcode payment function of the payment application embedded in the electronic wallet when initiating payment. The electronic wallet platform includes the backend server of the electronic wallet of the terminal device.

[0128] The request generation module 502 may be configured to generate a decision application request based on the verification decision request.

[0129] The sending module 503 may be configured to send a decision application request to the verification decision platform.

[0130] The receiving module 501 may also be configured to receive an enhanced verification method provided by the verification decision platform in response to a decision application request.

[0131] In some examples, enhanced verification methods include direct approval without verification, direct termination without verification, or verification with verification. Verification with verification includes one or more of the following: payment password verification, verification code verification, and biometric verification.

[0132] The sending module 503 may also be configured to send the enhanced verification method to the electronic wallet platform, so that the electronic wallet platform performs enhanced verification according to the enhanced verification method and obtains a verification result.

[0133] The sending module 503 may also be configured to interact with the resource management server to complete payment when the verification result indicates that the enhanced verification has passed.

[0134] In an embodiment of the present application, when initiating a payment, the payment transfer platform of the payment transfer party may receive a verification decision request sent by the e-wallet platform based on the barcode payment function of the payment application embedded in the e-wallet, generate a decision application request based on the verification decision request, and send the decision application request to the verification decision platform, so that the verification decision platform can assign an appropriate enhanced verification method for the current payment based on the decision application request. The payment transfer platform may forward the enhanced verification method feedback from the verification decision platform to the e-wallet platform, so that the e-wallet platform can perform enhanced verification according to the enhanced verification method to verify the authenticity of the paying user's identity. If the enhanced verification passes, the payment process will continue to complete the payment. In this process, the implementation of enhanced verification is carried out by the e-wallet platform of the terminal device manufacturer, but the decision on the enhanced verification method is handed over to the payment transfer party's payment transfer platform and the verification decision platform. The payment transfer party itself is responsible for the payment transfer, which has a higher security factor and stronger risk management. The enhanced verification corresponding to the enhanced verification method determined by the decision can be more secure, thereby improving the security of the payment.

[0135] In some embodiments, the receiving module 501 may also be used to: receive a transaction request, where the transaction request includes a payment identifier and an electronic wallet identifier.

[0136] The receiving module 501 can be used to receive a verification decision request sent by the electronic wallet platform when the payment identifier in the transaction request includes a payment application identifier. The payment application identifier indicates the payment application. The transaction request also includes a user identifier.

[0137] In some embodiments, the verification decision request includes terminal user association information. The request generation module 502 may be configured to: obtain user transaction association information corresponding to the user indicated by the terminal user association information in the payment switching platform; and generate a decision application request based on the verification decision request and the user transaction association information, the decision application request including the terminal user association information and the user transaction association information.

[0138] In some examples, the terminal user associated information includes one or more of the following: terminal device information, terminal network environment information, account information, and terminal user usage habit information.

[0139] In some examples, user transaction association information includes one or more of the following: transaction user information, user risk level information, and payment information.

[0140] In some embodiments, the transaction request is triggered by the merchant device scanning the payment code displayed by the electronic wallet in the terminal device, and is sent to the payment switching platform through the acquiring server.

[0141] The receiving module 501 may also be used to receive a payment code request sent by the electronic wallet platform.

[0142] The sending module 503 may also be used to: in response to a payment code request, send the payment code to the electronic wallet platform, so that the electronic wallet platform provides the payment code to the electronic wallet in the terminal device.

[0143] In some embodiments, the transaction request is triggered by the electronic wallet in the terminal device scanning the payment code and is sent to the payment transfer platform through the electronic wallet platform.

[0144] A fourth aspect of the present application provides an apparatus for enhanced payment verification, which is applied to an electronic wallet platform, wherein the electronic wallet platform includes a backend server for the electronic wallet provided by a terminal device. Figure 10 is a schematic diagram of the structure of the apparatus for enhanced payment verification provided in an embodiment of the fourth aspect of the present application. As shown in Figure 10, the apparatus for enhanced payment verification 600 may include a sending module 601, a receiving module 602, and a verification module 603.

[0145] The sending module 601 can be used to send a verification decision request to the payment switching platform based on the barcode payment function of the payment application embedded in the electronic wallet when initiating payment, so that the payment switching platform generates a decision application request based on the verification decision request and sends it to the verification decision platform.

[0146] In some examples, the verification decision request includes terminal user association information. The decision application request includes the terminal user association information and user transaction association information, where the user transaction association information corresponds to the user indicated by the terminal user association information in the payment switching platform.

[0147] In some examples, terminal user association information includes one or more of the following: terminal device information, terminal network environment information, account information, and terminal user usage habits. User transaction association information includes one or more of the following: transaction user information, user risk level information, and payment information.

[0148] The receiving module 602 may be used to receive the enhanced verification method sent by the payment switching platform. The enhanced verification method is determined by the verification decision platform according to the decision application request.

[0149] In some examples, the enhanced verification method includes direct approval without verification, direct termination without verification, or verification. Verification includes one or more of the following: payment password verification, verification code verification, and biometric verification.

[0150] The verification module 603 may be used to interact with the terminal device, perform enhanced verification according to the enhanced verification method, and obtain a verification result.

[0151] The sending module 601 may also be used to feed back the verification result to the payment switching platform, so that the payment switching platform can interact with the resource management server and complete the payment if the verification result indicates that the enhanced verification has passed.

[0152] In an embodiment of the present application, when initiating a payment, the e-wallet platform sends a verification decision request to the payment switching platform based on the barcode payment function of the payment application embedded in the e-wallet, so that the payment switching platform generates a decision application request based on the verification decision request and sends the decision application request to the verification decision platform. The verification decision platform then allocates an enhanced verification method suitable for this payment based on the decision application request. The e-wallet platform can receive the enhanced verification method forwarded by the payment switching platform and perform enhanced verification according to the enhanced verification method to verify the authenticity of the identity of the paying user. If the enhanced verification passes, the payment process continues to complete the payment. In this process, the implementation of the enhanced verification is carried out by the e-wallet platform of the terminal device manufacturer, but the decision on the enhanced verification method is handed over to the payment switching platform and the verification decision platform of the payment switching party. The payment switching party itself is responsible for the payment switching, which has a higher security factor and stronger risk control. The enhanced verification corresponding to the enhanced verification method obtained by the decision can be more secure, thereby improving the security of the payment.

[0153] In some embodiments, the sending module 601 may also be used to send a transaction request to the payment switching platform, where the transaction request includes a payment identifier and an electronic wallet identifier.

[0154] The sending module 601 may be specifically configured to send a verification decision request to the payment switching platform when the payment identifier in the transaction request includes a payment application identifier, and the transaction request also includes a user identifier.

[0155] In some embodiments, the verification module 603 may be specifically configured to send a verification instruction to the terminal device according to an enhanced verification method.

[0156] The receiving module 602 may be specifically configured to receive verification information collected by the terminal device in response to a verification instruction.

[0157] The verification module 603 may be specifically used to match the verification information with the verification standard information to obtain a verification result.

[0158] In some embodiments, the sending module 601 is further configured to send a payment code request to the payment switching platform.

[0159] The receiving module 602 may also be configured to receive a payment code provided by the payment switching platform in response to a payment code request.

[0160] The sending module 601 may also be used to send a payment code to the terminal device so that the electronic wallet in the terminal device displays the payment code.

[0161] In some embodiments, the receiving module 602 may also be configured to receive a transaction initiation request sent by a terminal device. The transaction initiation request is triggered by an electronic wallet in the terminal device scanning a payment code.

[0162] The sending module 601 may be specifically configured to send a transaction request to the payment switching platform in response to a transaction initiation request.

[0163] A fifth aspect of the present application provides a server for use in a payment switching platform. Figure 11 is a schematic diagram of the structure of a server provided in an embodiment of the fifth aspect of the present application. As shown in Figure 11, the server 700 includes a memory 701, a processor 702, and a computer program stored in the memory 701 and executable on the processor 702.

[0164] In some examples, the processor 702 may include a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0165] The memory 701 may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical, or other physical / tangible memory storage device. Therefore, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method for enhanced payment verification in the embodiment of the first aspect of the present application.

[0166] The processor 702 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 701, so as to implement the payment enhanced verification method in the embodiment of the first aspect.

[0167] In some examples, the server 700 may further include a communication interface 703 and a bus 704. As shown in FIG11 , the memory 701, the processor 702, and the communication interface 703 are connected via the bus 704 and communicate with each other.

[0168] The communication interface 703 is mainly used to implement communication between the modules, devices, units and / or equipment in the embodiment of the present application. Input devices and / or output devices can also be connected through the communication interface 703.

[0169] The bus 704 includes hardware, software, or both that couples the components of the server 700 to each other. By way of example and not limitation, the bus 704 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses, or a combination of two or more of the above. Where appropriate, the bus 704 may include one or more buses. Although embodiments herein describe and illustrate a particular bus, this application contemplates any suitable bus or interconnect.

[0170] A sixth aspect of the present application provides a server, applied to an electronic wallet platform, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor.

[0171] The memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method for enhanced payment verification in the embodiment of the second aspect of the present application.

[0172] The processor runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory, so as to implement the payment enhanced verification method in the above-mentioned second aspect embodiment.

[0173] In some examples, the server may further include a communication interface and a bus. The memory, processor, and communication interface are connected via the bus and communicate with each other.

[0174] The connections among the memory, processor, communication interface, bus and other contents in the server applied to the electronic wallet platform can refer to the server shown in Figure 11 and related instructions, which will not be repeated here.

[0175] In a seventh aspect, the present application further provides a system for enhanced payment verification, which may include the payment switching platform and the electronic wallet platform described in the above-mentioned embodiments. The payment switching platform may execute the method for enhanced payment verification described in the above-mentioned first aspect embodiment. The electronic wallet platform may execute the method for enhanced payment verification described in the above-mentioned second aspect embodiment. For details, please refer to the relevant descriptions in the above-mentioned embodiments, and since the same technical effects can be achieved, they will not be repeated here to avoid repetition.

[0176] In some embodiments, the enhanced payment verification system may further include a verification decision platform. The verification decision platform may be configured to respond to a decision request sent by the payment switching platform and provide the payment switching platform with an enhanced verification method that matches the decision request. For details, please refer to the relevant descriptions in the above embodiments, which achieve the same technical effects and are not further elaborated here to avoid repetition.

[0177] In an eighth aspect of the present application, a computer-readable storage medium is provided, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the method for enhanced payment verification in the embodiment of the first aspect or the method for enhanced payment verification in the embodiment of the second aspect can be implemented, and the same technical effect can be achieved. To avoid repetition, they are not described here. The computer-readable storage medium may include a non-transitory computer-readable storage medium, such as a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc., which is not limited here.

[0178] An embodiment of the present application may also provide a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device can execute the payment enhancement verification method in the above-mentioned first aspect embodiment or the payment enhancement verification method in the above-mentioned second aspect embodiment, and can achieve the same technical effect. To avoid repetition, it will not be repeated here.

[0179] It should be clear that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For device embodiments, server embodiments, system embodiments, computer-readable storage medium embodiments, and computer program product embodiments, the relevant parts can be referred to the description part of the method embodiment. This application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order between the steps after understanding the spirit of this application. In addition, for the sake of brevity, a detailed description of known method technologies is omitted here.

[0180] Aspects of the present application have been described above with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the embodiments of the present application. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed via the processor of the computer or other programmable data processing device enable the implementation of the function / action specified in one or more boxes of the flowchart and / or block diagram. This processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit. It is also understood that each box in the block diagram and / or the flowchart and the combination of the boxes in the block diagram and / or the flowchart can also be implemented by the dedicated hardware that performs the specified function or action, or can be implemented by the combination of dedicated hardware and computer instructions.

[0181] Those skilled in the art should understand that the above embodiments are illustrative rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on a study of the drawings, the specification and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "one" does not exclude a plurality; the terms "first" and "second" are used to identify names rather than to indicate any specific order. Any figure marks in the claims should not be understood as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a separate hardware or software module. The fact that certain technical features appear in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. A payment enhanced verification method, applied to a payment switching platform, comprising: In the case of initiating payment, receiving a verification decision request sent by an electronic wallet platform based on a barcode payment function of a payment application embedded in the electronic wallet, the electronic wallet platform including a backend server of the electronic wallet carried by the terminal device; Generate a decision application request based on the verification decision request and send it to the verification decision platform; Receiving an enhanced verification method of the verification decision platform in response to the decision application request feedback; Sending the enhanced verification method to the electronic wallet platform, so that the electronic wallet platform performs enhanced verification according to the enhanced verification method and obtains a verification result; When the verification result indicates that the enhanced verification is passed, the payment is completed by interacting with the resource management server.

2. The method according to claim 1, before receiving the verification decision request sent by the electronic wallet platform based on the barcode payment function of the payment application embedded in the electronic wallet, further comprises: receiving a transaction request, wherein the transaction request includes a payment identifier and an electronic wallet identifier; The receiving electronic wallet platform sends a verification decision request based on a barcode payment function of a payment application embedded in the electronic wallet, comprising: In the case where the payment identifier in the transaction request includes a payment application identifier, the verification decision request sent by the electronic wallet platform is received, the payment application identifier indicates the payment application, and the transaction request also includes a user identifier.

3. The method according to claim 1, wherein: The verification decision request includes terminal user association information, The step of generating a decision application request according to the verification decision request includes: Obtaining user transaction association information corresponding to the user indicated by the terminal user association information in the payment switching platform; The decision application request is generated according to the verification decision request and the user transaction association information, and the decision application request includes the terminal user association information and the user transaction association information.

4. The method according to claim 3, wherein: The terminal user association information includes one or more of the following: Terminal device information, terminal network environment information, account information, and terminal user usage habits information; The user transaction association information includes one or more of the following: Transaction user information, user risk level information, and payment information.

5. The method according to claim 2, wherein: The transaction request is triggered by the merchant device scanning the payment code displayed by the electronic wallet in the terminal device, and is sent to the payment switching platform through the acquiring server. Before receiving the transaction request, the method further includes: Receiving a payment code request sent by the electronic wallet platform; In response to the payment code request, the payment code is sent to the electronic wallet platform, so that the electronic wallet platform provides the payment code to the electronic wallet in the terminal device.

6. The method according to claim 2, wherein: The transaction request is triggered by the electronic wallet in the terminal device scanning the payment code and is sent to the payment switching platform through the electronic wallet platform.

7. The method according to any one of claims 1 to 6, wherein: The enhanced verification method includes passing directly without verification, terminating directly without verification, or having verification. The verification includes one or more of the following: Payment password verification, verification code verification, and biometric verification.

8. A payment enhanced verification method, applied to an electronic wallet platform, wherein the electronic wallet platform includes a backend server of an electronic wallet provided by a terminal device, the method comprising: In the case of initiating payment, based on the barcode payment function of the payment application embedded in the electronic wallet, a verification decision request is sent to the payment switching platform, so that the payment switching platform generates a decision application request according to the verification decision request and sends it to the verification decision platform; Receive the enhanced verification method sent by the payment switching platform, the enhanced verification method is The verification decision platform determines according to the decision application request; Interacting with the terminal device, performing enhanced verification according to the enhanced verification method, and obtaining a verification result; The verification result is fed back to the payment switching platform, so that the payment switching platform interacts with the resource management server to complete the payment when the verification result indicates that the enhanced verification is passed.

9. The method according to claim 8, before the barcode payment function based on the payment application embedded in the electronic wallet sends a verification decision request to the payment switching platform, further comprising: Sending a transaction request to the payment switching platform, wherein the transaction request includes a payment identifier and an electronic wallet identifier; The barcode payment function based on the payment application embedded in the electronic wallet sends a verification decision request to the payment switching platform, including: In the case where the payment identifier in the transaction request includes a payment application identifier, a verification decision request is sent to the payment switching platform, and the transaction request also includes a user identifier.

10. The method according to claim 8, wherein: The verification decision request includes terminal user association information, the decision application request includes the terminal user association information and user transaction association information, and the user transaction association information corresponds to the user indicated by the terminal user association information in the payment switching platform.

11. The method according to claim 10, wherein: The terminal user association information includes one or more of the following: Terminal device information, terminal network environment information, account information, and terminal user usage habits information; The user transaction association information includes one or more of the following: Transaction user information, user risk level information, and payment information.

12. The method according to claim 8, wherein: The interacting with the terminal device, performing enhanced verification according to the enhanced verification method, and obtaining a verification result includes: Sending a verification instruction to the terminal device according to the enhanced verification method; receiving verification information collected by the terminal device in response to the verification instruction; The verification information is matched with the verification standard information to obtain the verification result.

13. The method according to claim 8, before sending the verification decision request to the payment switching platform, further comprises: Sending a payment code request to the payment switching platform; Receiving a payment code provided by the payment switching platform in response to the payment code request; The payment code is sent to the terminal device so that the electronic wallet in the terminal device displays the payment code.

14. The method according to claim 9, before sending the transaction request to the payment switching platform, further comprises: Receiving a transaction initiation request sent by the terminal device, wherein the transaction initiation request is triggered by the electronic wallet in the terminal device scanning a payment code; The sending of the transaction request to the payment switching platform includes: In response to the transaction initiation request, the transaction request is sent to the payment switching platform.

15. The method according to any one of claims 8 to 14, wherein: The enhanced verification method includes passing directly without verification, terminating directly without verification, or having verification. The verification includes one or more of the following: Payment password verification, verification code verification, and biometric verification.

16. A payment enhanced verification device, applied to a payment switching platform, comprising: A receiving module, used for receiving a verification decision request sent by an electronic wallet platform based on a barcode payment function of a payment application embedded in the electronic wallet when initiating payment, wherein the electronic wallet platform includes a backend server of the electronic wallet provided by the terminal device; A request generation module, used to generate a decision application request according to the verification decision request; A sending module, used to send the decision application request to the verification decision platform; The receiving module is also used to receive the enhanced verification method fed back by the verification decision platform in response to the decision application request; The sending module is further used to send the enhanced verification method to the electronic wallet platform, so that the electronic wallet platform performs enhanced verification according to the enhanced verification method to obtain a verification result; The sending module is further configured to, when the verification result indicates that the enhanced verification has passed, Interact with the resource management server to complete the payment.

17. A payment enhanced verification device, applied to an electronic wallet platform, the electronic wallet platform including a backend server of an electronic wallet provided by a terminal device, the device comprising: A sending module, used for sending a verification decision request to a payment switching platform based on the barcode payment function of the payment application embedded in the electronic wallet when initiating payment, so that the payment switching platform generates a decision application request according to the verification decision request and sends it to the verification decision platform; A receiving module, used for receiving an enhanced verification method sent by the payment switching platform, wherein the enhanced verification method is determined by the verification decision platform according to the decision application request; A verification module, used to interact with the terminal device, perform enhanced verification according to the enhanced verification method, and obtain a verification result; The sending module is further used to feed back the verification result to the payment switching platform, so that the payment switching platform interacts with the resource management server to complete the payment when the verification result indicates that the enhanced verification is passed.

18. A server, applied to a payment switching platform, comprising: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the method for enhanced payment authentication as claimed in any one of claims 1 to 7 is implemented.

19. A server, applied to an electronic wallet platform, comprising: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the method for enhanced payment authentication as claimed in any one of claims 8 to 15 is implemented.

20. A system for enhanced payment verification, comprising: A payment switching platform, configured to execute the payment enhanced verification method as claimed in any one of claims 1 to 7; An electronic wallet platform, used to execute the payment enhanced verification method as described in any one of claims 8 to 15.

21. The system of claim 20, further comprising: The verification decision platform is used to respond to the decision application request sent by the payment switching platform, Feedback to the payment switching platform is an enhanced verification method that matches the decision application request.

22. A computer-readable storage medium having computer program instructions stored thereon, wherein the computer program instructions, when executed by a processor, implement the payment enhanced authentication method according to any one of claims 1 to 15.

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