One-Step Payment Authorization with Risk Assessment
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Solution Overview
Problem
Users face cumbersome and inefficient online payment processes, requiring repeated entry of payment information and lacking seamless transaction risk assessment, which hinders quick and secure payment processing.
Innovation Solution
A payment information processing method that establishes a one-step payment authorization relationship between a user's payment account and a target organization, assessing transaction risks to determine if a one-step payment can be made, and if not, performing identity verification to ensure secure transactions, thereby simplifying the payment process while ensuring security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional online payment process is used, then payment security can be maintained through repeated verification, but user operation becomes cumbersome and payment efficiency decreases
Solution Approach 1:
The system performs preliminary risk assessment and establishes payment authorization relationships before the actual payment occurs. By pre-evaluating transaction risks and pre-authorizing payment accounts, the system eliminates the need for repeated verification during each payment, thereby improving user operation ease while maintaining security through advance precautions
Solution Approach 2:
The system dynamically adjusts the payment verification process based on real-time risk assessment results. For low-risk transactions, it applies streamlined one-step authorization; for high-risk transactions, it maintains stricter verification. This dynamic adaptation resolves the contradiction by making the security level proportional to the actual risk rather than applying uniform verification to all transactions
2Reliability
If traditional online payment process is used, then payment security can be ensured through multiple verification steps, but payment efficiency and processing speed decrease
Solution Approach 1:
The system performs risk assessment and authorization establishment in advance, before the actual payment transaction. This preliminary action allows the system to prepare verification decisions beforehand, so that during the actual payment process, only minimal confirmation is needed, thereby significantly improving payment efficiency without compromising security
Solution Approach 2:
The payment processing is segmented into distinct phases: risk assessment phase, authorization establishment phase, and execution phase. By separating the complex security verification (risk assessment and authorization) from the simple payment execution, the system can maintain high security standards in the assessment phase while achieving high efficiency in the execution phase
3Productivity
If one-step payment authorization is implemented, then payment efficiency improves and user operation simplifies, but transaction risk assessment capability must be enhanced to maintain security
Solution Approach 1:
The system introduces a third-party payment service organization as an intermediary that specializes in risk assessment. This intermediary handles the complex analysis of account status information, transaction patterns, and risk factors, allowing the target organization to implement simple one-step authorization while the intermediary maintains sophisticated risk assessment capabilities in the background
4Reliability
If repeated payment verification is required, then payment security is maintained, but data processing amount and processing time increase
Solution Approach 1:
The system performs verification-related work in advance by establishing payment authorization relationships and assessing risks before transactions occur. This preliminary verification eliminates the need for repeated checks during each payment, reducing processing time while maintaining security through the pre-established authorization framework
Data Source
AI summary
Embodiments of this specification disclose a payment information processing method, apparatus, and device, and a medium. The solution can include: obtaining a payment request that is sent by a target organization and that is generated based on a payment operation performed by a user, where the payment request includes identification information of an authorized payment account; determining account status information of the authorized payment account; determining, based on the account status information, whether a transaction corresponding to the payment request is at a transaction risk, to obtain a first determining result; and if the first determining result indicates that the transaction is not at a transaction risk, performing a first payment procedure; or if the first determining result indicates that the transaction is at a transaction risk, performing a second payment procedure including a first identity verification process.