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CN-121998640-A - Method, device, equipment and medium for processing payment service

CN121998640ACN 121998640 ACN121998640 ACN 121998640ACN-121998640-A

Abstract

The embodiment of the specification discloses a method, a device, equipment and a medium for processing payment service. The method comprises the steps of obtaining a payment processing request sent by first equipment, wherein the payment processing request comprises label information used for being stored in NFC labels of second equipment, determining the second equipment used for storing the label information based on the label information, judging whether the distance between the first equipment and the second equipment is smaller than or equal to a preset distance or not to obtain a first judgment result, generating processing result information corresponding to the payment processing request based on the first judgment result, and feeding back the processing result information to the first equipment.

Inventors

  • LI ANG
  • GENG LIU
  • CHEN DONGXIAO

Assignees

  • 支付宝(杭州)数字服务技术有限公司

Dates

Publication Date
20260508
Application Date
20240731

Claims (20)

  1. 1. A method of payment transaction processing, comprising: Acquiring a payment processing request generated by a first device based on payment link information, wherein the payment processing request comprises tag information which is used for being stored in an NFC tag of a second device and comprises the payment link information; Determining the second equipment storing the label information according to the corresponding relation between the label information and the second equipment, wherein the corresponding relation is the corresponding relation between the label information stored after the server generates the label information and the second equipment receiving the label information; Judging whether the distance between the first equipment and the second equipment is smaller than or equal to a preset distance or not, and obtaining a first judging result; If the first judgment result shows that the distance is smaller than or equal to the preset distance, executing a payment processing flow; And if the first judgment result indicates that the distance is larger than the preset distance, stopping the payment processing flow or not starting the payment processing flow.
  2. 2. The method of claim 1, the method further comprising: if the first judgment result indicates that the distance is smaller than or equal to the preset distance, generating payment result information indicating a payment result based on the payment processing flow; or if the first judgment result indicates that the distance is greater than the preset distance, generating information indicating that the payment is abnormal.
  3. 3. The method of claim 1, the method further comprising: Acquiring first position information of the first equipment; The first position information and/or the second position information are position information obtained based on mobile position service or a positioning system; And obtaining the distance between the first equipment and the second equipment according to the first position information and the second position information.
  4. 4. The method of claim 3, the first location information being real-time location information of the first device or the first location information being location information cached by the first device; Or the second location information is real-time location information of the second device, or the second location information is location information cached by the second device.
  5. 5. The method of claim 1, the method further comprising: Determining the generation time of the tag information; determining a request time of the payment processing request; Judging whether the request time is within the valid period of the tag information based on the generation time, and obtaining a second judgment result; If the first judgment result indicates that the distance is smaller than or equal to a preset distance and the second judgment result indicates that the request time is within the valid period of the tag information, executing a payment processing flow; And if the second judging result indicates that the request time is not in the valid period of the tag information, ending the payment processing flow or not starting the payment processing flow.
  6. 6. The method of claim 5, the generation time being a time at which the tag information is generated by a server; or the request time represents the time when the first device generates the payment processing request, or the request time represents the time when the server receives the payment processing request.
  7. 7. The method of claim 5, the determining whether the request time is within a validity period of the tag information, comprising: judging whether the request time is between the generation time and the validity period ending time; Or, determining whether the difference between the request time and the generation time is less than or equal to the validity period indicated by the validity period.
  8. 8. The method of claim 1, the method further comprising: acquiring notification information sent by the second device, wherein the notification information indicates that tag information in the second device has been read; Setting the original validity period of the tag information as a new validity period based on the notification information, wherein the new validity period is shorter than the original validity period, and the original validity period represents the initial validity period set by the server for the tag information in the process of generating the tag information.
  9. 9. The method of claim 5, the method further comprising: if the second judging result indicates that the request time is not in the valid period of the tag information, generating information indicating that payment is abnormal; or if the first judgment result indicates that the distance is greater than the preset distance, generating information indicating that the payment is abnormal; Or if the first judgment result indicates that the distance is greater than the preset distance and the second judgment result indicates that the request time is not within the valid period of the tag information, generating information indicating that payment is abnormal.
  10. 10. The method of claim 2, wherein the payment result is a payment result indicating that the payment was successful, and wherein the payment result indicating that the payment was successful comprises at least transaction amount information; Or the payment result is a payment result indicating that the payment fails, and the payment result indicating that the payment fails at least comprises a payment failure reason.
  11. 11. The method of claim 1, wherein the NFC tag is contained in the second device, or the second device is connected with other devices containing the NFC tag in a wired or wireless mode.
  12. 12. The method of claim 1, the method further comprising: receiving other Bluetooth equipment information sent by the first equipment, wherein the other Bluetooth equipment information comprises information of other Bluetooth equipment existing in the Bluetooth range of the first equipment; Determining Bluetooth equipment information of the second equipment according to the tag information; judging whether the other Bluetooth device information contains the Bluetooth device information of the second device; if the other Bluetooth device information contains the Bluetooth device information of the second device, executing a payment processing flow; And if the Bluetooth equipment information of the second equipment is not contained in the other Bluetooth equipment information, ending the payment processing flow or not starting the payment processing flow.
  13. 13. The method of claim 1, the method further comprising: Acquiring equipment which establishes Bluetooth connection with the first equipment; Judging whether the device which establishes Bluetooth connection with the first device is the second device or not; If the device establishing Bluetooth connection with the first device is the second device, executing a payment processing flow; if the device establishing Bluetooth connection with the first device is not the second device, the payment processing flow is terminated or not started.
  14. 14. The method of any of claims 1-13, the payment processing request being sent to a server after the first device determines that other bluetooth devices are present within bluetooth range of the first device.
  15. 15. A method of payment transaction processing, comprising: The method comprises the steps that first equipment obtains tag information for processing payment service; The server can execute a payment business processing flow and feed back processing result information according to the position relation between the first equipment and second equipment for storing the tag information aiming at the payment processing request, wherein the server determines the second equipment for storing the tag information according to the corresponding relation between the tag information and the second equipment; and displaying a payment service processing result page based on the processing result information provided by the server.
  16. 16. The method of claim 15, the method further comprising: and sending the first position information of the first equipment to the server, wherein the first position information is obtained based on a mobile position service or a positioning system.
  17. 17. The method of claim 16, wherein the tag information comprises identification information for starting a target application, and the target application is an application with a payment service processing function; The method further comprises the steps of: Invoking the target application in the first device based on the identification information; And acquiring first position information of the first equipment based on the target application.
  18. 18. The method of claim 16, the method further comprising: the method comprises the steps of sending a position information acquisition request to a position server, wherein the position server is a server capable of providing position information; Acquiring real-time position information provided by the position server; the sending the first location information of the first device to the server specifically includes: And sending the real-time position information to the server.
  19. 19. The method according to claim 16, The method further comprises the steps of: if the real-time position information of the first equipment is not acquired within a preset time period after the tag information is acquired, acquiring cache position information from a cache of the first equipment; the sending the first location information of the first device to the server specifically includes: And sending the cache position information to the server.
  20. 20. The method of claim 15, the method further comprising: judging whether other Bluetooth devices exist in the Bluetooth range of the first device, and obtaining a third judging result; If the third judging result indicates that other Bluetooth devices do not exist in the Bluetooth range of the first device, terminating accessing the server; The sending a payment processing request to a server specifically includes: And if the third judging result indicates that other Bluetooth devices exist in the Bluetooth range of the first device, sending a payment processing request to a server.

Description

Method, device, equipment and medium for processing payment service The application relates to a method, a device, equipment and a medium for processing payment business, which are divided application of the application application with the name of 'a payment business processing', wherein the application number of the mother application is '202411047325.5', and the application date of the mother application is 2024, 07 and 31. Technical Field The present application relates to the field of computer technologies, and in particular, to a method, an apparatus, a device, and a medium for processing a payment service. Background With the development of computer technology, more and more services can be handled by mobile terminals, such as online payment, code scanning, etc. In recent years, NFC technology is widely used in payment services due to the characteristics of low cost, convenient use and the like, for example, taking a subway, a bus and the like through an NFC card swiping mode. How to improve the payment security is a technical problem to be solved. Disclosure of Invention The embodiment of the specification provides a method, a device, equipment and a medium for processing a payment service, which are used for solving the problem that the existing payment service processing method has payment risk. In order to solve the above technical problems, the embodiments of the present specification are implemented as follows: The embodiment of the specification provides a method for processing a payment service, which comprises the following steps: Acquiring a payment processing request sent by first equipment, wherein the payment processing request comprises label information used for being stored in an NFC label of second equipment; Determining a second device for storing the tag information based on the tag information; Judging whether the distance between the first equipment and the second equipment is smaller than or equal to a preset distance or not, and obtaining a first judging result; Generating processing result information corresponding to the payment processing request based on the first judgment result; And feeding back the processing result information to the first equipment. The embodiment of the specification provides a method for processing a payment service, which comprises the following steps: The method comprises the steps that first equipment obtains tag information for processing payment service; The server can execute a payment business processing flow and feed back processing result information according to the position relation between the first equipment and the second equipment for storing the tag information aiming at the payment processing request; and displaying a payment service processing result page based on the processing result information provided by the server. The embodiment of the specification provides a device for processing a payment service, which comprises: the payment processing request acquisition module is used for acquiring a payment processing request sent by the first equipment, wherein the payment processing request comprises label information stored in an NFC label of the second equipment; A second device determining module, configured to determine, based on the tag information, a second device for storing the tag information; The distance judging module is used for judging whether the distance between the first equipment and the second equipment is smaller than or equal to a preset distance or not, and obtaining a first judging result; The processing result information generation module is used for generating processing result information corresponding to the payment processing request based on the first judgment result; and the processing result information feedback module is used for feeding back the processing result information to the first equipment. The embodiment of the specification provides a device for processing a payment service, which comprises: the tag information acquisition module is used for acquiring tag information for processing payment service; The server can execute a payment business processing flow and feed back processing result information according to the position relation between the first equipment and the second equipment for storing the tag information aiming at the payment processing request; and the page display module is used for displaying a payment service processing result page based on the processing result information provided by the server. The embodiment of the specification provides a device for processing a payment service, which comprises: At least one processor, and A memory communicatively coupled to the at least one processor, wherein, The memory stores instructions executable by the at least one processor to enable the at least one processor to perform a method of payment transaction processing. Embodiments of the present description provide a computer-readable medium having stored thereon computer-readable in