WO2021027146A1 - Payment method and apparatus, calculation device, and storage medium - Google Patents

Abstract

The present application relates to the field of data analysis. Disclosed are a payment method and apparatus, a calculation device, and a storage medium. The method comprises: receiving a payment request sent by a user terminal, wherein the payment request includes order information, and information of a place where the user terminal stays for a long time within a first predetermined time period; acquiring habitual payment information and registration information corresponding to a payment account number; if a result of comparison between an information item corresponding to the habitual payment information and an information item in the order information meets a predetermined condition, determining that the habitual payment information matches the order information; and when the information of the place of stay for a long time within the first predetermined time period is consistent with information of a place of residence and/or information of a workplace, transferring a payment amount from a payment account corresponding to the payment account number to a payment account corresponding to a recipient account number. According to the method, when dual verification is passed, payment can be completed without the need to perform manual verification, thereby improving payment efficiency while ensuring payment security.

Description

Payment method, device, computing device and storage medium

This application is based on and claims the priority of the Chinese patent application filed on August 13, 2019 with the application number CN201910745047.3 and the name "payment method, device, medium and electronic equipment", the entire content of which is hereby incorporated by reference .

Technical field

This application relates to the field of data analysis technology, in particular to a payment method, device, computing device, and computer non-volatile readable storage medium.

Background technique

With the advent of the Internet, especially the mobile Internet era, mobile payment has entered our lives. Mobile payment refers to electronic payment completed by mobile terminals instead of bank cards or cash.

The inventor of the present application realizes that since mobile payment is an economic activity directly related to money, it is necessary to ensure absolute security. Therefore, in order to complete a mobile payment, users are required to enter a password or enter biometric information such as fingerprints and faces on their mobile terminals to determine whether the mobile payment user is the owner of the payment account, thereby verifying the legality of the transaction. The method of operation is more complicated and the payment efficiency is low.

Summary of the invention

In the field of data analysis technology, in order to solve the above technical problems, the purpose of this application is to provide a payment method, device, computing device, and computer non-volatile readable storage medium.

In the first aspect, a payment method is provided, including:

Receive a payment request sent by a user terminal, the payment request includes order information and long-term stay information of the user terminal within a first predetermined time period, the order information includes multiple information items, the multiple The information items include a payment amount, a payment account number, a payment account number, and at least one piece of additional payment information, where the additional payment information is any one of a payment location, a payment time, and the type of goods paid;

Obtain habitual payment information and registration information of the user corresponding to the payment account, where the registration information includes residence information and work place information, and the habitual payment information is that the payment account pays within a second predetermined time period Among the information items corresponding to each order information other than the payment account number, the information items corresponding to the number of order information that also contain the same at least one information item reaches a predetermined number threshold;

If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, determining that the habitual payment information matches the order information;

In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the residence information and/or work information in the registration information, The payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

In a second aspect, a payment device is provided, including:

The request receiving module is configured to receive a payment request sent by a user terminal, the payment request includes order information and long-term stay information of the user terminal within a first predetermined time period, and the order information includes multiple Information items, the multiple information items include a payment amount, a payment account number, a payment account number, and at least one piece of additional payment information, where the additional payment information is any one of a payment location, a payment time, and the type of goods paid;

The information acquisition module is configured to acquire the habitual payment information and registration information of the user corresponding to the payment account, the registration information includes information about the place of residence and work, and the habitual payment information is that the payment account is in Among the information items other than the payment account corresponding to each order information paid in the second predetermined time period, the information items corresponding to the number of order information containing the same at least one information item at the same time reaches the predetermined number threshold;

A determining module, configured to determine that the habitual payment information matches the order information if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition;

The payment module is configured to, when the habitual payment information matches the order information, when the long-term stay information in the first predetermined time period and the residence information in the registration information and/ Or the work location information is consistent, and the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

In a third aspect, a computing device is provided, including a memory and a processor, the memory is used to store a program of the processor's payment method, and the processor is configured to execute the following via the program executing the payment method Processing: receiving a payment request sent by a user terminal, the payment request includes order information and long-term stay information of the user terminal within a first predetermined time period, the order information includes a plurality of information items, the The multiple information items include a payment amount, a payment account number, a payment account number, and at least one piece of additional payment information, where the payment additional information is any one of payment location, payment time, and payment type of goods; acquiring the payment account number The habitual payment information and registration information of the corresponding user, the registration information includes information of residence and work, and the habitual payment information corresponds to the order information paid by the payment account within the second predetermined time period Among the information items other than the payment account number, the information item corresponding to the order information containing the same at least one information item at the same time reaches the predetermined number threshold; if the information item corresponding to the habitual payment information corresponds to the information of the order information The comparison result between items meets a predetermined condition, and it is determined that the habitual payment information matches the order information; when the habitual payment information matches the order information, when the first predetermined time period The long-term stay information in the registration information is consistent with the residence information and/or work information in the registration information, and the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account .

In a fourth aspect, a computer non-volatile readable storage medium storing computer readable instructions is provided, and a payment method program is stored thereon. When the payment method program is executed by a processor, the following processing is implemented: A payment request sent by a user terminal, the payment request includes order information and long-term stay information of the user terminal within a first predetermined time period, the order information includes a plurality of information items, the plurality of information The items include payment amount, payment account number, payment account number, and at least one payment additional information, where the payment additional information is any one of payment location, payment time, and payment commodity type; and obtain the user corresponding to the payment account The habitual payment information and registration information, the registration information includes residence information and work place information, the habitual payment information is the payment account number corresponding to each order information paid within the second predetermined time period Among the other information items, the information item corresponding to the order information that contains at least one information item at the same time reaches a predetermined number threshold; if the information item corresponding to the habitual payment information is between the information item of the order information If the comparison result meets a predetermined condition, it is determined that the habitual payment information matches the order information; when the habitual payment information matches the order information, when the first predetermined period of time is long The time stay information is consistent with the residence information and/or work information in the registration information, and the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

The above payment method, device, computing device and computer non-volatile readable storage medium, when the order information submitted by the user matches the user’s daily habitual payment information, continue to verify whether the user’s activity location is consistent with the location in the registration information , When the two-factor authentication is passed, the user does not need to enter the password and other verification operations, as long as the payment request is submitted, the payment can be completed, which improves the payment efficiency; in addition, because the user is only allowed to enter the password without entering the password, etc. The verification operation can complete the payment, which ensures the security of the payment.

It should be understood that the above general description and the following detailed description are only exemplary and cannot limit the application.

Description of the drawings

Fig. 1 is a schematic diagram showing an application scenario of a payment method according to an exemplary embodiment;

Fig. 2 is a flow chart showing a payment method according to an exemplary embodiment;

FIG. 3 is a detailed flowchart of step 240 according to an embodiment shown in the embodiment corresponding to FIG. 2;

FIG. 4 is a flowchart of steps after step 220 of an embodiment according to the embodiment corresponding to FIG. 2;

Fig. 5 is a block diagram showing a payment device according to an exemplary embodiment;

Fig. 6 is an exemplary block diagram showing a computing device implementing the above payment method according to an exemplary embodiment;

Fig. 7 shows a computer non-volatile readable storage medium for implementing the above payment method according to an exemplary embodiment.

detailed description

Here, exemplary embodiments will be described in detail, and examples thereof are shown in the accompanying drawings. When the following description refers to the drawings, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements. The implementation manners described in the following exemplary embodiments do not represent all implementation manners consistent with the present application. On the contrary, they are only examples of devices and methods consistent with some aspects of the application as detailed in the appended claims.

In addition, the drawings are only schematic illustrations of the application, and are not necessarily drawn to scale. The same reference numerals in the figures denote the same or similar parts, and thus their repeated description will be omitted. Some of the block diagrams shown in the drawings are functional entities and do not necessarily correspond to physically or logically independent entities.

This application first provides a payment method. The implementation terminal of this application can be any device with computing and processing functions. The device can be connected to other devices to receive or send information. It can be a portable mobile device, such as a smart phone, a tablet computer, a notebook computer, or a PDA ( Personal Digital Assistant), etc., can also be fixed devices, such as computer equipment, field terminals, desktop computers, servers, workstations, etc., or a collection of multiple devices, such as the physical infrastructure of cloud computing.

Optionally, the implementation terminal of this application may be a server or a physical infrastructure of cloud computing.

Currently, when users purchase goods or services in offline physical stores, they can complete the payment by using apps installed on their mobile terminals. Common mobile payment methods include the user using the App installed on the terminal to scan the merchant’s receipt code for payment, and the user presents the payment code displayed on the terminal App for payment. Among them, scan code payment is the most common form of mobile payment. However, in the prior art, in order to ensure the security of the entire payment process, the user needs to enter the payment password or verify the user's face, fingerprint and other biometric information to ensure the security of the payment every time they make a payment. Fig. 1 is a schematic diagram showing an application scenario of a payment method according to an exemplary embodiment. In the embodiment shown in FIG. 1, the implementation terminal of this application is the server 110, and the user terminal 130 and the merchant terminal 120 are respectively connected with the server 110 through a communication link, which can realize the transmission of information and the exchange of data; a mobile payment system The typical process is: the merchant informs the user of the consumption amount, and then presents the QR code, the user uses the user terminal 130 to scan the QR code presented by the merchant, and then enters the payment amount on the page corresponding to the QR code displayed on the user terminal 130. The user submits a payment request, the server 110 receives the payment request, transfers the payment amount from the user's account to the merchant's account, and then sends a reminder message representing the successful payment to the merchant terminal 120. In the prior art, users need to verify their identity when submitting a payment request. This process is very cumbersome and is an important factor leading to low payment efficiency. The inventor of this application realizes that many ordinary people have fixed consumption habits and whereabouts. If the user’s habitual payment information is obtained, the user will also generate the stay information when using the terminal, and then use this information to help automatically achieve the completion of the user’s payment habits and without the need for manual verification of identity when there is no abnormality in the stay Mobile payment can greatly reduce the efficiency of mobile payment.

Fig. 2 is a flow chart showing a payment method according to an exemplary embodiment. As shown in Figure 2, it includes the following steps:

Step 210: Receive a payment request from the user terminal.

A user terminal is any mobile terminal with computing, processing, and communication functions, such as a smart phone, a tablet computer, a PDA, a notebook computer, etc. A payment request is a request for completing a payment task. It can be a request based on various network protocols, for example, it can be a Http/Https type request. The so-called payment is to transfer a certain amount of money in the payment account to the receiving account. The payment request includes order information and long-term stay information of the user terminal within a first predetermined period of time, the order information includes multiple information items, and the multiple information items include payment amount and payment account number. , A payment account number and at least one piece of additional payment information, where the additional payment information is any one of payment location, payment time, and payment product type, and the payment account and payment account respectively correspond to the payment account, and the payment The account corresponds to the user terminal. The payment account number and the payment account number are numbers used to identify any account that can receive or transfer funds, such as bank card numbers, wealth management account numbers, and payment platform account numbers, such as Alipay and WeChat account numbers. It should be understood that the payment account is virtual, and the user terminal is an entity, and the user terminal is used as an entity to carry the virtual payment account, thereby establishing a correspondence relationship with the payment account it bears. For example, when a user installs any application on a mobile terminal and then registers the application, he will get a registered account, so that a corresponding relationship is established between the registered account and the user terminal, and if the registered account is a payment account, Then it is the payment account that establishes the correspondence with the user terminal.

In one embodiment, the terminal of the merchant displays the QR code, and the user scans the QR code by using the App (Application, referred to as application) on the terminal, and the App on the terminal displays the product identification, product price information, The page with information such as the merchant account number. This page also has a button control for payment. When the user clicks the control, the payment request can be submitted. The payment request also contains the account of the user who logged in the App, that is, the user who submitted the payment request. account number.

The first predetermined time period is any time period before the user terminal sends the payment request. For example, if the payment request is sent at 12 o'clock on December 31, 2018, the first predetermined time period can be 12 o’clock on December 30, 2018. Until 12:00 on December 31, 2018, it can also be from 0:00 on December 25, 2018 to 0:00 on December 30, 2018.

In an embodiment, the user terminal has a GPS or Beidou positioning module, and the location information of the terminal can be obtained. For example, the user's mobile terminal is a mobile phone, and the user sends a payment request through the App on the mobile phone. The App also has the function of calling the GPS or Beidou positioning module on the mobile phone to obtain the location of the mobile phone, thereby obtaining the location of the terminal.

In one embodiment, when the user terminal sends a payment request, the location of the user terminal is acquired as the payment location in the payment additional information and added to the order information in the payment request.

The long-term stay information is the location information of the location where the user terminal is often located.

In one embodiment, the long-term stay information of the user terminal in the first predetermined time period is obtained in the following manner: the location of the user terminal is obtained every sensing period (for example, 5 minutes); if the user terminal is continuously scheduled The location of the user terminal acquired in a number of sensing periods remains unchanged, then the location is tagged; if it is determined that the number of times a geographic location has been tagged within the first predetermined time period (for example, one week before sending a payment request) If the predetermined number of times is exceeded, the geographic location is used as the long-term stay information of the user.

For example, the continuous predetermined number can be set to 60. The sensing period is 5 minutes, then 5*60=300=5 (hours); if the user terminal is in one place for more than 5 hours, and this situation occurs within a week and reaches the predetermined threshold (for example, 3 times), then It means that the user holding the user terminal appears in these locations for a long time, which may be the place where the user lives or rests, and can be used as the long-term stay information of the user terminal within the first predetermined time period.

In one embodiment, whenever the long-term stay information is generated, it is stored locally in the user terminal; when a payment request is to be sent, the long-term stay information stored in the user terminal is acquired and added to the payment request.

The types of payment goods can be various consumption types, such as transportation, medical treatment, shopping, food, etc., and can also include clothing, shoes, hats, daily necessities, and digital products.

Step 220: Obtain habitual payment information and registration information of the user corresponding to the payment account.

The registration information includes residence information and work information, and the habitual payment information is the information items other than the payment account corresponding to each order information paid by the payment account within the second predetermined time period, including Information items corresponding to the number of orders for the same at least one information item reaching a predetermined number threshold. That is, the habitual payment information can be any one or more of payment amount, payment account number, payment location, payment time, and type of goods to be paid.

In one embodiment, a payment record is generated every time the user makes a payment, and the payment record is stored locally on the user terminal and/or uploaded to the cloud. Habitual payment information can be obtained by obtaining payment records from the cloud or user terminal.

In an embodiment, the habitual payment information is a payment amount corresponding to a predetermined number threshold when the number of order information containing the same payment amount is for one payment account.

In one embodiment, the habitual payment information is for one payment account, and includes the same payment amount, receiving account number, payment location, payment time, and payment type of order information corresponding to the predetermined number threshold. Payment amount, receiving account number, payment location, payment time, and type of goods paid for.

In one embodiment, the habitual payment information is two information items of payment location and payment time. Each time a user makes a payment, order information is generated. Each piece of order information includes the payment amount and payment location for each payment; The payment account is used to obtain the number of order information with the same payment amount and location information; when the number exceeds a predetermined number threshold, the payment amount and payment location are taken as a piece of customary payment information.

For example, when the number of times that the payment account is used to purchase 10 yuan of goods at XX Supermarket on Fuxing Road 2 is 4, the number of corresponding order information is also 4, and the predetermined number threshold is 3, then "10 yuan, “XX Supermarket, No. 2 Fuxing Road” serves as a habitual payment message. The registration information is the personal information corresponding to the user of the payment account, including residence information and work location information. For example, the residence information and work location information included in a piece of registration information may be No. 1 Nanjing Road, City A and No. 3 Shanghai Road, City A, respectively.

In one embodiment, the user's habitual payment information and registration information are stored in the local terminal, and the user's habitual payment information and registration information corresponding to the payment account are obtained from the local terminal.

In one embodiment, the user's habitual payment information and registration information are stored in the user terminal, and the user terminal sends an acquisition request to the user terminal, and the user terminal will send the user's habitual payment information and registration to the local terminal according to the acquisition request from the local terminal. information.

In an embodiment, after step 220, the following steps may be further included:

If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, it is determined that the habitual payment information does not match the order information; to the user terminal Send an instruction instructing the user terminal to display an interface for entering a payment password; receive the payment password sent by the user terminal; when the payment password is a password preset by the payment account, change the payment amount from The payment account corresponding to the payment account is transferred to the payment account corresponding to the receiving account.

The information item corresponding to the habitual payment information and the information item of the order information can be compared to determine whether the corresponding information items are consistent, so as to obtain a comparison result, and then determine whether the comparison result meets a predetermined condition.

The advantage of this embodiment is that when the comparison result of the information item of the habitual payment information and the information item of the order information does not meet the predetermined conditions, the payment password is finally used to verify the mismatch between the habitual payment information and the order information. Payment activities, which can ensure the security of payment.

In one embodiment, the predetermined condition is that the number of information items of habitual payment information that are consistent with the corresponding information items in the order information reaches a predetermined number threshold.

In one embodiment, the information items to be compared in the habitual payment information and the order information are stored in a preset information item comparison relationship table. By querying the table, the information items in the habitual payment information can be obtained. The information item of the payment information and the information item of the information item of the order information are compared, thereby performing a comparison.

In one embodiment, after receiving the payment password sent by the user terminal, the method further includes: when the payment password is not a password preset for the payment account, sending to the user terminal a representative password error Receiving the payment password sent by the user terminal; determining the number of payment passwords sent by the user terminal that is not a password preset for the payment account; when the number of times is greater than a predetermined threshold, the payment Account is frozen.

For example, when the user terminal sends 4 payment passwords, none of them are the passwords preset by the payment account, that is, the number of payment passwords sent by the user terminal that are not the passwords preset for the payment account is 4, and the predetermined threshold If it is 3, the payment account will be frozen.

In summary, the advantage of this embodiment is that by limiting the number of times that the user terminal sends the illegal payment password, it avoids the situation that illegal users steal the payment account through trial and error.

The password sent by the user terminal that is not preset for the payment account indicates that the user may be an illegal user. The more payment passwords sent by the user terminal that are not the password preset for the payment account, the more the user's payment account The greater the possibility of theft, the greater the payment risk. In this embodiment, by freezing the payment account when the number of times is greater than a predetermined threshold, the payment risk is reduced to a certain extent.

In one embodiment, the reminder information representing the password error is sent to the user terminal through controls such as pop-up windows, notifications, or HTML5 pages.

In one embodiment, sending an instruction instructing the user terminal to display an interface for entering a payment password to the user terminal causes the user terminal to display an interface for entering a payment password, and the interface for entering a payment password has For controls such as text boxes, the user uses the user terminal to enter the password on the dialog box of the interface and submit it to the implementation terminal of this application in the form of a form, so as to receive the payment password sent by the user terminal.

Step 230: If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, it is determined that the habitual payment information matches the order information.

The comparison result is a judgment result of whether one information item of the habitual payment information is consistent with another information corresponding to the information item in the order information.

In one embodiment, the information items to be compared in the habitual payment information and the order information are stored in a preset information item comparison relationship table. By querying the table, the information items in the habitual payment information can be obtained. The information item of the payment information and the information item of the information item of the order information are compared, thereby performing a comparison.

In one embodiment, the habitual payment information and the order information both include payment amount and location information, and the predetermined condition is: when a habitual payment information is consistent with the payment amount and location information contained in the order information When determining that the habitual payment information matches the order information.

When the payment amount is consistent with the location information, it means that the user often buys goods habitually, so that the password-free payment can be made. The advantage of this embodiment is that the payment security is improved by simultaneously using the two indicators of the payment amount and the location information to be consistent as conditions for payment without manual verification of identity.

In an embodiment, both the habitual payment information and the order information include payment amount and location information, and the predetermined condition is: when a payment amount or location information in a habitual payment information and order information includes When the payment amount or location information is the same, it is determined that the habitual payment information matches the order information.

The advantage of this embodiment is that as long as the habitual payment information and the payment amount or location information in the order information are consistent, it is determined that the habitual payment information matches the order information, which expands the scope of allowing confidential payment to a certain extent .

In one embodiment, if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, it is determined that the habitual payment information matches the order information , The method may further include: in the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined period of time and the residence information in the registration information And/or work place information is inconsistent, send an instruction to the user terminal to instruct the user terminal to display an interface for entering the payment password; receive the payment password sent by the user terminal; when the payment password is the payment account A preset password is used to transfer the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

In general, the user’s long-term stay information is consistent with the residence information and/or work information, because most people have usual behaviors and activities. If they are inconsistent, the user’s terminal may be stolen or For the risk of loss, in this embodiment, the legality of the user's payment behavior is verified by using the password with the highest security factor when inconsistent, so as to ensure the user's payment security.

In one embodiment, there are multiple pieces of long-term stay information within the first predetermined time period, the long-term stay information within the first predetermined time period and the residence information and work location information in the registration information The inconsistency means that at least one of the long-term stay information in the plurality of long-term stay information within the first predetermined time period is inconsistent with the residence information or the work location information in the registration information. The advantage of this embodiment is that the standard for payment without manual verification of identity is improved, and the security of payment in this case is further guaranteed.

In one embodiment, there are multiple pieces of long-term stay information within the first predetermined time period, the long-term stay information within the first predetermined time period and the residence information and work location information in the registration information The inconsistency means that the number of long-term stay information in the plurality of long-term stay information in the first predetermined time period that is inconsistent with the residence information or work information in the registration information exceeds a predetermined threshold. The advantage of this embodiment is that, to a certain extent, the scope of allowing payment without manual verification of identity is expanded. The interface used to enter the payment password can be an App page, a page of various applications, etc., can be an interface such as a window, a pop-up window, a dialog box, etc., or an HTML5 type Web page.

In one embodiment, after receiving the payment password sent by the user terminal, the method further includes: when the payment password is not a password preset for the payment account, sending to the user terminal a representative password error Receiving the payment password sent by the user terminal; determining the number of payment passwords sent by the user terminal that is not a password preset for the payment account; when the number of times is greater than a predetermined threshold, the payment Account is frozen.

The advantage of this embodiment is that by limiting the number of times that the user terminal sends the illegal payment password, it avoids the situation that illegal users steal the payment account through trial and error.

Each time the payment password sent by the user terminal is received, it is determined whether the payment password is a password preset by the payment account. The password sent by the user terminal that is not preset for the payment account indicates that the user may be an illegal user.

In one embodiment, there is a counter in the implementation terminal of the present application. Whenever the user terminal sends a payment password that is not the password preset by the payment account, the counter is incremented by 1. For example, when the user terminal sends 4 payment passwords, none of them are the passwords preset by the payment account, that is, the number of payment passwords sent by the user terminal that are not the passwords preset for the payment account is 4, and the predetermined threshold If it is 3, the payment account will be frozen.

In one embodiment, the reminder information representing the password error is sent to the user terminal through controls such as pop-up windows, notifications, or HTML5 pages.

In one embodiment, the interface for entering the payment password has controls such as a text box, and the user uses the user terminal to enter the password on the dialog box of the interface and submit it to the implementation terminal of the application in a form to receive the user terminal The payment password sent.

In one embodiment, the pre-set password of the payment account is the password used by the user when registering with the user terminal. The password is stored in the local terminal or a server connected to the local terminal. It is understood that the password can be based on the user’s Needs to be changed. For example, the user interacts with the local terminal in the App of the user terminal to realize registration and submit a password.

In one embodiment, the password preset for the payment account is stored in the local terminal or a database connected to the local terminal, and it is determined by comparison whether the payment password is consistent with the password preset for the payment account. When the payment password is consistent with the password preset for the payment account, it is determined that the payment password is the password preset for the payment account.

In one embodiment, the pre-set password of the payment account is set during registration. When registering a payment account, when the user submits the password through the user terminal, the local terminal converts the password to binary, and then converts the binary password Perform an XOR operation with the binary key value preset on the local end, and then store the XOR result corresponding to the user's payment account in the database connected to the local end, and the database does not store the pre-set password of the payment account; After receiving the payment password, perform an XOR operation on the payment password and the binary key value preset at the local end to obtain the XOR result and compare the XOR result with the XOR result previously stored in the database If the comparison is consistent, it is confirmed that the payment password is a password preset by the payment account. The advantage of this embodiment is that, since the pre-set password of the payment account is not stored in the database, even if the data in the database is stolen, the payment password is concealed to the data stealer, which further ensures the security of the payment password to a certain extent Sex.

Step 240: In the case where the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is compared with the residence information and/or work place in the registration information If the information is consistent, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

The first sentence of this step is when the habitual payment information matches the order information, which means that this step will only be executed when the habitual payment information matches the order information. It is worth mentioning that the payment account corresponding to the payment account is not necessarily unique, and it can be an account identified by the payment account, or an account associated with the payment account. For example, the Alipay account corresponds to the account of Alipay balance, it can also be the account of Yu'ebao Currency Fund, or it can be a small credit loan account such as Huabei. This application does not limit this, and the scope of protection of this application should not be therefore And subject to any form of restriction.

To sum up, in the embodiment shown in FIG. 2, the long-term stay information within the first predetermined time period is consistent with the residence information and work information in the registration information, and the habitual payment The information matches the order information, indicating that the payment habits of the user who uses the user's terminal and the place of frequent activities have been kept in the usual state, thus indicating that the user who uses the user terminal is the same user, and there is no need for the user to enter a password , Verifying fingerprints, face and other methods to verify the security of payment. These verifications have been completed by the technical solution of this application, which improves payment efficiency while ensuring payment security.

FIG. 3 is a detailed flowchart of step 240 in an embodiment shown according to the embodiment corresponding to FIG. 2. As shown in Figure 3, it includes the following steps:

Step 241: In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined period of time and the residence information and/or work place in the registration information If the information is consistent, the phone numbers answered or dialed by the user terminal within the third predetermined time period are obtained.

The third predetermined time period is any time period before the payment request sent by the user terminal, and may be different from or the same as the first predetermined time period.

In one embodiment, the user terminal is a smart phone, and the phone number answered or dialed by the user terminal is stored in the call record of the smart phone, and the phone number answered or dialed by the user terminal is obtained by reading the call record of the user terminal.

In one embodiment, when the long-term stay information in the first predetermined time period is consistent with the residence information and/or work information in the registration information, the local terminal will send to the user terminal to obtain the third reservation. For the contact information request within the time period, the user terminal will obtain the phone number answered or dialed in the third predetermined time period according to the request, and send it to the local end to obtain the user terminal in the third predetermined time period Phone numbers received or dialed.

Step 242: Determine the proportion of the obtained phone number that has been stored in the address book of the user terminal before the third predetermined time period.

The address book includes at least one telephone number.

In one embodiment, the phone number entered by the user is stored in the address book of the user terminal in advance, and each phone number has a corresponding entry time; first, it is determined that the address book of the user terminal is before the third predetermined time period. The number of telephone numbers that have been entered is used as the first number, and then the number of the obtained telephone numbers is determined as the second number; the ratio of the first number to the second number is obtained as the obtained telephone number in The proportion stored in the address book of the user terminal before the third predetermined time period.

Step 243: If the ratio is greater than a predetermined ratio threshold, transfer the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

The user will answer or make calls when using the user terminal on a daily basis. When a user terminal is stolen, it is basically impossible for a thief to answer or dial the phone number that the stolen has previously stored in the address book of the user terminal. Therefore, if the ratio is very low, it means that the user terminal is not in use, and payment cannot be allowed at this time; and when the ratio is high (greater than the predetermined ratio threshold), it means that the user normally contacts the contacts in his address book. This means that the user himself is using the user terminal, and the user can be used to make payment at this time. The verification of this link can improve the security of payment.

In summary, the advantage of the embodiment in FIG. 3 is that by determining the proportion of the obtained phone number in the address book, the conditions for allowing the payment without manual verification of the identity are increased, and the security of the payment is further improved.

FIG. 4 is a flowchart of steps after step 220 of an embodiment shown according to the embodiment corresponding to FIG. 2. As shown in Figure 4, it includes the following steps:

Step 230', if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, it is determined that the habitual payment information does not match the order information.

The information item corresponding to the habitual payment information and the information item of the order information can be compared to determine whether the corresponding information items are consistent, so as to obtain a comparison result, and then determine whether the comparison result meets a predetermined condition. The predetermined condition may be the same condition as the predetermined condition described in the explanation of step 230, or other conditions, which will not be repeated here.

Step 240', acquiring the number of order information corresponding to the user terminal that does not match the habitual payment information within the fourth predetermined time period.

In one embodiment, each order information corresponding to the user terminal is stored in the local terminal, and a counter is provided in the local terminal. The user terminal can obtain information related to habitual payment within the fourth predetermined time period. The number of order information for which the information does not match.

In step 250', when the number is greater than a predetermined number threshold, the payment request of the user terminal is rejected.

In one embodiment, the predetermined number threshold is preset based on expert experience.

The advantage of the embodiment shown in FIG. 4 is that in the case that the result of the comparison between the information item of the habitual payment information and the information item of the order information does not meet a predetermined condition, it starts from another dimension Verify whether the payment behavior of the user terminal may be abnormal, and reject the payment request when there may be abnormality, which further increases the security of payment to a certain extent.

The application also provides a payment device, and the following are device embodiments of the application.

Fig. 5 is a block diagram showing a payment device according to an exemplary embodiment. As shown in FIG. 5, the device 500 includes:

The request receiving module 510 is configured to receive a payment request sent by a user terminal. The payment request includes order information and long-term stay information of the user terminal within a first predetermined time period. The order information includes multiple Information items, the multiple information items include a payment amount, a payment account number, a payment account number, and at least one piece of additional payment information, where the additional payment information is any one of a payment location, a payment time, and the type of a payment commodity.

The information acquisition module 520 is configured to acquire the habitual payment information and registration information of the user corresponding to the payment account, the registration information includes residence information and work place information, and the habitual payment information is the payment account Among the information items other than the payment account corresponding to each order information paid in the second predetermined time period, the information items corresponding to the number of order information that also contain the same at least one information item reaches the predetermined number threshold.

The determining module 530 is configured to determine that the habitual payment information matches the order information if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition.

The payment module 540 is configured to, when the habitual payment information matches the order information, when the long-term stay information within the first predetermined period of time and the residence information in the registration information and /Or the work location information is consistent, and the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

In one embodiment, the payment module is further configured to determine the habitual payment if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition After the information matches the order information: in the case where the habitual payment information matches the order information, when the long-term stay information within the first predetermined period of time and the residence in the registration information If the information and/or work location information is inconsistent, send an instruction to the user terminal to instruct the user terminal to display an interface for entering the payment password; receive the payment password sent by the user terminal; when the payment password is the payment The password preset by the account is used to transfer the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

In one embodiment, the payment module is further configured to obtain the habitual payment information and registration information of the user corresponding to the payment account: if the information item corresponding to the habitual payment information is the same as the order information The result of the comparison between the information items does not meet the predetermined condition, and it is determined that the habitual payment information does not match the order information; and an instruction instructing the user terminal to display an interface for entering a payment password is sent to the user terminal Receive the payment password sent by the user terminal; when the payment password is a password preset by the payment account, transfer the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the payment account Payment account.

In an embodiment, the payment module is further configured to: when the payment password is not a password preset by the payment account, send a reminder message to the user terminal representing a password error; and receive the user terminal Payment password sent; determining the number of payment passwords sent by the user terminal that are not a password preset for the payment account; when the number of times is greater than a predetermined threshold, the payment account is frozen.

In one embodiment, when the habitual payment information matches the order information, when the long-term stay information in the first predetermined period of time and the residence information in the registration information And/or work place information is consistent, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account, including: when the habitual payment information matches the order information In this case, when the long-term stay information in the first predetermined period of time is consistent with the residence information and/or work information in the registration information, it is acquired that the user terminal answers or is answered within the third predetermined period of time. Dialed phone numbers; determine the proportion of the obtained phone numbers that have been stored in the address book of the user terminal before the third predetermined time period, the address book containing at least one phone number; if the ratio is greater than A predetermined ratio threshold is used to transfer the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.

In an embodiment, the determining module is further configured to obtain the habitual payment information and registration information of the user corresponding to the payment account: if the information item corresponding to the habitual payment information is the same as the order information The result of the comparison between the information items does not meet the predetermined condition, it is determined that the habitual payment information does not match the order information; the acquisition of the user terminal corresponding to the user terminal does not match the habitual payment information within the fourth predetermined time period. The number of matched order information; when the number is greater than a predetermined number threshold, the payment request of the user terminal is rejected.

According to the third aspect of the present application, there is also provided a computing device that executes all or part of the steps of any one of the above payment methods. The computing equipment includes:

At least one processor; and

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute as shown in any one of the above exemplary embodiments. Payment method.

Those skilled in the art can understand that various aspects of the present application can be implemented as a system, method, or program product. Therefore, each aspect of the present application can be specifically implemented in the following forms, namely: complete hardware implementation, complete software implementation (including firmware, microcode, etc.), or a combination of hardware and software implementations, which can be collectively referred to herein as "Circuit", "Module" or "System".

The computing device 600 according to this embodiment of the present application will be described below with reference to FIG. 6. The computing device 600 shown in FIG. 6 is only an example, and should not bring any limitation to the function and scope of use of the embodiments of the present application.

As shown in FIG. 6, the computing device 600 is represented in the form of a general-purpose computing device. The components of the computing device 600 may include, but are not limited to: the aforementioned at least one processing unit 610, the aforementioned at least one storage unit 620, and a bus 630 connecting different system components (including the storage unit 620 and the processing unit 610).

Wherein, the storage unit stores program code, and the program code can be executed by the processing unit 610, so that the processing unit 610 executes the various exemplary methods described in the above-mentioned "Embodiment Method" section of this specification. Implementation steps.

The storage unit 620 may include a readable medium in the form of a volatile storage unit, such as a random access storage unit (RAM) 621 and/or a cache storage unit 622, and may further include a read-only storage unit (ROM) 623.

The storage unit 620 may also include a program/utility tool 624 having a set of (at least one) program module 625. Such program module 625 includes but is not limited to: an operating system, one or more application programs, other program modules, and program data, Each of these examples or some combination may include the implementation of a network environment.

The bus 630 may represent one or more of several types of bus structures, including a storage unit bus or a storage unit controller, a peripheral bus, a graphics acceleration port, a processing unit, or a local area using any bus structure among multiple bus structures. bus.

The computing device 600 may also communicate with one or more external devices 800 (such as keyboards, pointing devices, Bluetooth devices, etc.), and may also communicate with one or more devices that enable users to interact with the computing device 600, and/or communicate with Any device (such as a router, modem, etc.) that enables the computing device 600 to communicate with one or more other computing devices. This communication can be performed through an input/output (I/O) interface 650. In addition, the computing device 600 may also communicate with one or more networks (such as a local area network (LAN), a wide area network (WAN), and/or a public network, such as the Internet) through the network adapter 660. As shown in the figure, the network adapter 660 communicates with other modules of the computing device 600 through the bus 630. It should be understood that although not shown in the figure, other hardware and/or software modules can be used in conjunction with the computing device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives And data backup storage system, etc.

Through the description of the foregoing embodiments, those skilled in the art can easily understand that the exemplary embodiments described herein can be implemented by software, or can be implemented by combining software with necessary hardware. Therefore, the technical solution according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (can be a CD-ROM, U disk, mobile hard disk, etc.) or on the network , Including several instructions to make a computing device (which may be a personal computer, server, terminal device, or network device, etc.) execute the method according to the embodiment of the present application.

According to the fourth aspect of the present application, there is also provided a computer non-volatile readable storage medium on which is stored a program product capable of implementing the above-mentioned method in this specification. In some possible implementation manners, each aspect of the present application can also be implemented in the form of a program product, which includes program code. When the program product runs on a terminal device, the program code is used to make the The terminal device executes the steps according to various exemplary embodiments of the present application described in the above-mentioned "Exemplary Method" section of this specification.

With reference to FIG. 7, a computer non-volatile readable storage medium 700 for implementing the above method according to an embodiment of the present application is described, which may adopt a portable compact disk read-only memory (CD-ROM) and includes program code , And can run on terminal devices, such as personal computers. However, the program product of this application is not limited to this. In this document, the computer non-volatile readable storage medium can be any tangible medium that contains or stores a program, and the program can be used by or in combination with an instruction execution system, device, or device. In conjunction with.

The program product can use any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or a combination of any of the above. More specific examples (non-exhaustive list) of readable storage media include: electrical connections with one or more wires, portable disks, hard disks, random access memory (RAM), read only memory (ROM), erasable Type programmable read only memory (EPROM or flash memory), optical fiber, portable compact disk read only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.

The computer-readable signal medium may include a data signal propagated in baseband or as a part of a carrier wave, and readable program code is carried therein. This propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. The readable signal medium may also be any readable medium other than a readable storage medium, and the readable medium may send, propagate, or transmit a program for use by or in combination with the instruction execution system, apparatus, or device.

The program code contained on the readable medium can be transmitted by any suitable medium, including but not limited to wireless, wired, optical cable, RF, etc., or any suitable combination of the foregoing.

The program code used to perform the operations of this application can be written in any combination of one or more programming languages. The programming languages include object-oriented programming languages—such as Java, C++, etc., as well as conventional procedural Programming language-such as "C" language or similar programming language. The program code can be executed entirely on the user's computing device, partly on the user's device, executed as an independent software package, partly on the user's computing device and partly executed on the remote computing device, or entirely on the remote computing device or server Executed on. In the case of a remote computing device, the remote computing device can be connected to a user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using Internet service providers) Business to connect via the Internet).

In addition, the above-mentioned drawings are only schematic illustrations of the processing included in the method according to the exemplary embodiments of the present application, and are not intended for limitation. It is easy to understand that the processing shown in the above drawings does not indicate or limit the time sequence of these processings. In addition, it is easy to understand that these processes can be executed synchronously or asynchronously in multiple modules, for example.

It should be understood that the present application is not limited to the precise structure that has been described above and shown in the drawings, and various modifications and changes can be performed without departing from its scope. The scope of the application is only limited by the appended claims.

Claims (24)

1. A method of payment including:

   Receive a payment request sent by a user terminal, the payment request includes order information and long-term stay information of the user terminal within a first predetermined time period, the order information includes multiple information items, the multiple The information items include a payment amount, a payment account number, a payment account number, and at least one piece of additional payment information, where the additional payment information is any one of a payment location, a payment time, and the type of goods paid;

   Obtain habitual payment information and registration information of the user corresponding to the payment account, where the registration information includes residence information and work place information, and the habitual payment information is that the payment account pays within a second predetermined time period Among the information items corresponding to each order information other than the payment account number, the information items corresponding to the number of order information that also contain the same at least one information item reaches a predetermined number threshold;

   If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, determining that the habitual payment information matches the order information;

   In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the residence information and/or work information in the registration information, The payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
2. The method according to claim 1, wherein if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, it is determined that the habitual payment information and the information item After the order information is matched, the method further includes:

   In the case where the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is inconsistent with the residence information and/or work information in the registration information, Sending to the user terminal an instruction instructing the user terminal to display an interface for inputting a payment password;

   Receiving the payment password sent by the user terminal;

   When the payment password is a password preset by the payment account, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
3. The method according to claim 1, wherein, after acquiring habitual payment information and registration information of the user corresponding to the payment account, the method further comprises:

   If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, determining that the habitual payment information does not match the order information;

   Sending to the user terminal an instruction instructing the user terminal to display an interface for inputting a payment password;

   Receiving the payment password sent by the user terminal;

   When the payment password is a password preset by the payment account, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
4. The method according to claim 2 or 3, wherein the method further comprises:

   When the payment password is not a password preset for the payment account, sending a reminder message representing an incorrect password to the user terminal;

   Receiving the payment password sent by the user terminal;

   Determining the number of times that the user terminal sends a payment password that is not a password preset for the payment account;

   When the number of times is greater than a predetermined threshold, the payment account is frozen.
5. The method according to claim 1, wherein, when the habitual payment information matches the order information, when the long-term stay information within the first predetermined period of time and the registration information The residence information and/or work information in the data are consistent, and the transfer of the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the receiving account includes:

   In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the residence information and/or work information in the registration information, Acquiring the phone numbers answered or dialed by the user terminal within the third predetermined time period;

   Determining the proportion of the obtained phone number that has been stored in the address book of the user terminal before the third predetermined time period, the address book containing at least one phone number;

   If the ratio is greater than the predetermined ratio threshold, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
6. The method according to claim 1, wherein, after acquiring habitual payment information and registration information of the user corresponding to the payment account, the method further comprises:

   If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, determining that the habitual payment information does not match the order information;

   Acquiring the number of order information corresponding to the user terminal that does not match the habitual payment information within the fourth predetermined time period;

   When the number is greater than a predetermined number threshold, the payment request of the user terminal is rejected.
7. A payment device, including:

   The request receiving module is configured to receive a payment request sent by a user terminal, the payment request includes order information and long-term stay information of the user terminal within a first predetermined time period, and the order information includes multiple Information items, the multiple information items include a payment amount, a payment account number, a payment account number, and at least one piece of additional payment information, where the additional payment information is any one of a payment location, a payment time, and the type of goods paid;

   The information acquisition module is configured to acquire the habitual payment information and registration information of the user corresponding to the payment account, the registration information includes information about the place of residence and work, and the habitual payment information is that the payment account is in Among the information items other than the payment account corresponding to each order information paid in the second predetermined time period, the information items corresponding to the number of order information containing the same at least one information item at the same time reaches the predetermined number threshold;

   A determining module, configured to determine that the habitual payment information matches the order information if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition;

   The payment module is configured to, when the habitual payment information matches the order information, when the long-term stay information in the first predetermined time period and the residence information in the registration information and/ Or the work location information is consistent, and the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
8. 7. The device according to claim 7, wherein the payment module is further configured to determine if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition After the habitual payment information is matched with the order information:

   In the case where the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is inconsistent with the residence information and/or work information in the registration information, Sending to the user terminal an instruction instructing the user terminal to display an interface for inputting a payment password;

   Receiving the payment password sent by the user terminal;

   When the payment password is a password preset by the payment account, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
9. 8. The device according to claim 7, wherein the payment module is further configured to, after acquiring the habitual payment information and registration information of the user corresponding to the payment account:

   If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, determining that the habitual payment information does not match the order information;

   Sending to the user terminal an instruction instructing the user terminal to display an interface for inputting a payment password;

   Receiving the payment password sent by the user terminal;

   When the payment password is a password preset by the payment account, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
10. The device according to claim 8 or 9, wherein the payment module is further configured to:

    When the payment password is not a password preset for the payment account, sending a reminder message representing an incorrect password to the user terminal;

    Receiving the payment password sent by the user terminal;

    Determining the number of times that the user terminal sends a payment password that is not a password preset for the payment account;

    When the number of times is greater than a predetermined threshold, the payment account is frozen.
11. 7. The device according to claim 7, wherein, in the case where the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the registration information The residence information and/or work information in the data are consistent, and the transfer of the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the receiving account includes:

    In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the residence information and/or work information in the registration information, Acquiring the phone numbers answered or dialed by the user terminal within the third predetermined time period;

    Determining the proportion of the obtained phone number that has been stored in the address book of the user terminal before the third predetermined time period, the address book containing at least one phone number;

    If the ratio is greater than the predetermined ratio threshold, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
12. 8. The device according to claim 7, wherein the determining module is further configured to, after obtaining the habitual payment information and registration information of the user corresponding to the payment account:

    If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, determining that the habitual payment information does not match the order information;

    Acquiring the number of order information corresponding to the user terminal that does not match the habitual payment information within the fourth predetermined time period;

    When the number is greater than a predetermined number threshold, the payment request of the user terminal is rejected.
13. A computing device includes a memory and a processor, the memory stores computer readable instructions, and when the computer readable instructions are executed by the processor, the processor executes:

    Receive a payment request sent by a user terminal, the payment request includes order information and long-term stay information of the user terminal within a first predetermined time period, the order information includes multiple information items, the multiple The information items include a payment amount, a payment account number, a payment account number, and at least one piece of additional payment information, where the additional payment information is any one of a payment location, a payment time, and the type of goods paid;

    Obtain habitual payment information and registration information of the user corresponding to the payment account, where the registration information includes residence information and work place information, and the habitual payment information is that the payment account pays within a second predetermined time period Among the information items corresponding to each order information other than the payment account number, the information items corresponding to the number of order information that also contain the same at least one information item reaches a predetermined number threshold;

    If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, determining that the habitual payment information matches the order information;

    In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the residence information and/or work information in the registration information, The payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
14. The computing device according to claim 13, wherein if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, it is determined that the habitual payment information is After the order information is matched, when the computer-readable instructions are executed by the processor, the processor further executes:

    In the case where the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is inconsistent with the residence information and/or work information in the registration information, Sending to the user terminal an instruction instructing the user terminal to display an interface for inputting a payment password;

    Receiving the payment password sent by the user terminal;

    When the payment password is a password preset by the payment account, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
15. The computing device according to claim 14, wherein, after obtaining habitual payment information and registration information of the user corresponding to the payment account, when the computer-readable instructions are executed by the processor, the processing The device also executes:

    If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, determining that the habitual payment information does not match the order information;

    Sending to the user terminal an instruction instructing the user terminal to display an interface for inputting a payment password;

    Receiving the payment password sent by the user terminal;

    When the payment password is a password preset by the payment account, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
16. The computing device according to claim 15 or 14, wherein, when the computer-readable instruction is executed by the processor, the processor further executes:

    When the payment password is not a password preset for the payment account, sending a reminder message representing an incorrect password to the user terminal;

    Receiving the payment password sent by the user terminal;

    Determining the number of times that the user terminal sends a payment password that is not a password preset for the payment account;

    When the number of times is greater than a predetermined threshold, the payment account is frozen.
17. The computing device according to claim 13, wherein, in the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the registration The residence information and/or work information in the information are consistent, and the transfer of the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the receiving account includes:

    In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the residence information and/or work information in the registration information, Acquiring the phone numbers answered or dialed by the user terminal within the third predetermined time period;

    Determining the proportion of the obtained phone number that has been stored in the address book of the user terminal before the third predetermined time period, the address book containing at least one phone number;

    If the ratio is greater than the predetermined ratio threshold, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
18. The computing device according to claim 13, wherein, after acquiring habitual payment information and registration information of the user corresponding to the payment account, when the computer-readable instructions are executed by the processor, the processing The device also executes:

    If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, determining that the habitual payment information does not match the order information;

    Acquiring the number of order information corresponding to the user terminal that does not match the habitual payment information within the fourth predetermined time period;

    When the number is greater than a predetermined number threshold, the payment request of the user terminal is rejected.
19. A computer non-volatile readable storage medium storing computer readable instructions, which when executed by one or more processors, cause one or more processors to execute:

    Receive a payment request sent by a user terminal, the payment request includes order information and long-term stay information of the user terminal within a first predetermined time period, the order information includes multiple information items, the multiple The information items include a payment amount, a payment account number, a payment account number, and at least one piece of additional payment information, where the additional payment information is any one of a payment location, a payment time, and the type of goods paid;

    Obtain habitual payment information and registration information of the user corresponding to the payment account, where the registration information includes residence information and work place information, and the habitual payment information is that the payment account pays within a second predetermined time period Among the information items corresponding to each order information other than the payment account number, the information items corresponding to the number of order information that also contain the same at least one information item reaches a predetermined number threshold;

    If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, determining that the habitual payment information matches the order information;

    In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the residence information and/or work information in the registration information, The payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
20. The computer non-volatile readable storage medium according to claim 19, wherein if the comparison result between the information item corresponding to the habitual payment information and the information item of the order information satisfies a predetermined condition, it is determined After the habitual payment information is matched with the order information, when the computer-readable instructions are executed by one or more processors, the one or more processors also execute:

    In the case where the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is inconsistent with the residence information and/or work information in the registration information, Sending to the user terminal an instruction instructing the user terminal to display an interface for inputting a payment password;

    Receiving the payment password sent by the user terminal;

    When the payment password is a password preset by the payment account, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
21. The computer non-volatile readable storage medium according to claim 19, wherein, after obtaining habitual payment information and registration information of the user corresponding to the payment account, the computer readable instructions are executed by one or more When the processor executes, one or more processors also execute:

    If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, determining that the habitual payment information does not match the order information;

    Sending to the user terminal an instruction instructing the user terminal to display an interface for inputting a payment password;

    Receiving the payment password sent by the user terminal;

    When the payment password is a password preset by the payment account, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
22. The computer non-volatile readable storage medium according to claim 20 or 21, wherein when the computer readable instructions are executed by one or more processors, the one or more processors also execute:

    When the payment password is not a password preset for the payment account, sending a reminder message representing an incorrect password to the user terminal;

    Receiving the payment password sent by the user terminal;

    Determining the number of times that the user terminal sends a payment password that is not a password preset for the payment account;

    When the number of times is greater than a predetermined threshold, the payment account is frozen.
23. The computer non-volatile readable storage medium according to claim 19, wherein, when the habitual payment information matches the order information, when a long time within the first predetermined time period The stay information is consistent with the residence information and/or work information in the registration information, and the transfer of the payment amount from the payment account corresponding to the payment account to the payment account corresponding to the receiving account includes:

    In the case that the habitual payment information matches the order information, when the long-term stay information within the first predetermined time period is consistent with the residence information and/or work information in the registration information, Acquiring the phone numbers answered or dialed by the user terminal within the third predetermined time period;

    Determining the proportion of the obtained phone number that has been stored in the address book of the user terminal before the third predetermined time period, the address book containing at least one phone number;

    If the ratio is greater than the predetermined ratio threshold, the payment amount is transferred from the payment account corresponding to the payment account to the payment account corresponding to the receiving account.
24. The computer non-volatile readable storage medium according to claim 19, wherein, after obtaining habitual payment information and registration information of the user corresponding to the payment account, the computer readable instructions are executed by one or more When the processor executes, one or more processors also execute:

    If the comparison result between the information item corresponding to the habitual payment information and the information item of the order information does not meet a predetermined condition, determining that the habitual payment information does not match the order information;

    Acquiring the number of order information corresponding to the user terminal that does not match the habitual payment information within the fourth predetermined time period;

    When the number is greater than a predetermined number threshold, the payment request of the user terminal is rejected.

Images