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CN-121998645-A - Payment transaction method, system, electronic device, storage medium and program product

CN121998645ACN 121998645 ACN121998645 ACN 121998645ACN-121998645-A

Abstract

The application discloses a payment transaction method, a payment transaction system, electronic equipment, a storage medium and a program product. The method comprises the steps of responding to a transaction application initiated by a user on a transaction page, conducting account verification on the user, sending a disposable verification request to each auxiliary user in an auxiliary user set bound with the user when an auxiliary verification triggering condition is met in the account verification process of the user, verifying the target auxiliary user by adopting a verification mode corresponding to the target auxiliary user aiming at each target auxiliary user responding to the disposable verification request, and responding to a verification result which is sent by any one target auxiliary user and indicates that verification is successful and received in the validity period of the verification request, determining that the account verification of the user is successful, and sending a payment request to a payment system so as to deduct money from the account of the user. According to the embodiment of the application, the account verification success rate and the transaction success rate of the user can be improved.

Inventors

  • Bian Dingjun
  • ZHAO YONG
  • KONG LI

Assignees

  • 中国银联股份有限公司

Dates

Publication Date
20260508
Application Date
20260129

Claims (13)

  1. 1. A method of payment transaction, comprising: Responding to a transaction request initiated by a user on a transaction page, and carrying out account verification on the user; in the process of account verification of a user, under the condition that an auxiliary verification triggering condition is met, sending a one-time verification request to each auxiliary user in an auxiliary user set bound with the user; For each target auxiliary user responding to the one-time verification request, verifying the target auxiliary user by adopting a verification mode corresponding to the target auxiliary user; and responding to the verification result which is sent by any one of the target auxiliary users and indicates that the verification is successful and is received in the validity period of the verification request, determining that the account of the user is successfully verified, and sending a payment request to deduct money from the account of the user.
  2. 2. The method of claim 1, wherein the set of auxiliary users includes at least two auxiliary users, the method further comprising: And setting the disposable verification request sent to other auxiliary users as a failure state in response to receiving a verification result which is sent by any one target auxiliary user and indicates that verification is successful in the verification request validity period, wherein the other auxiliary users are auxiliary users except for the target auxiliary user which is successfully verified in the auxiliary user set.
  3. 3. The method of claim 1, wherein prior to sending a one-time authentication request to each secondary user in the set of secondary users bound to the user, the method further comprises: For each auxiliary user, generating a digital certificate Token with a valid period based on a transaction element of the transaction and identity information of the auxiliary user, and taking the Token as a one-time verification request corresponding to the auxiliary user, wherein the request valid period is the valid period of the Token; before the target auxiliary user is authenticated by adopting the authentication mode corresponding to the target auxiliary user, the method further comprises the following steps: And for each target auxiliary user, determining a verification mode corresponding to the target auxiliary user based on the transaction amount of the current transaction and the credit level of the target auxiliary user.
  4. 4. A method according to claim 3, wherein the determining the verification manner corresponding to the target auxiliary user based on the transaction element of the present transaction and the credit rating of the target auxiliary user comprises: Under the condition that the transaction amount is smaller than or equal to a first amount threshold and the credit grade of the target auxiliary user is a first grade, determining that the verification mode corresponding to the target auxiliary user is to send a transaction notification to the target auxiliary user and avoid secret release; determining that the verification mode corresponding to the target auxiliary user is to require the target auxiliary user to complete low-level verification when the transaction amount is greater than the first amount threshold and less than a second amount threshold or the credit level of the target auxiliary user is a second level, wherein the second level is lower than the first level; And determining that the verification mode corresponding to the target auxiliary user is to require the target auxiliary user to finish advanced verification when the transaction amount is greater than or equal to the second amount threshold or the credit level of the target auxiliary user is a third level, wherein the third level is smaller than the second level, and the complexity of the advanced verification is greater than that of the low level verification.
  5. 5. The method of claim 4, wherein the low-level verification comprises any one of the following verification methods: Short message verification code verification, biological feature identification and password verification; The advanced authentication includes a combination of at least two authentication modes: short message verification code verification, biological feature identification and password verification.
  6. 6. The method of any of claims 1-5, wherein the auxiliary authentication trigger condition comprises at least one of: Detecting that the user fails to verify for N times continuously, wherein N is more than or equal to 1; it is detected that the user gives up authentication.
  7. 7. The method according to any one of claims 1-5, wherein the manner in which the binding relationship between the user and the auxiliary user is established comprises: Responding to a binding application for indicating the auxiliary user to bind with the user, judging whether the auxiliary user is an adult user passing real-name authentication or not, and judging whether the auxiliary user is listed in a preset list or not; and under the condition that the auxiliary user is an adult user passing real-name authentication and the auxiliary user is not listed in the preset list, establishing a binding relationship between the auxiliary user and the user, and setting the binding relationship to take effect after the effective waiting period.
  8. 8. The method according to any one of claims 1-5, further comprising: recording an operation log of the whole process of the account verification, wherein the operation log comprises at least one of the following: Verifying a user, verifying time, a request sending mode, a device identifier and network environment information; Wherein the authenticated user is the target auxiliary user for which the first authentication was successful.
  9. 9. The method according to any one of claims 1-5, further comprising: Responding to the operation of closing the transaction page by the user, outputting a first option and a second option to the user, wherein the first option is used for indicating to close only the transaction page and continuing the transaction, and the second option is used for indicating to abandon the transaction; Closing the transaction page in response to receiving the selection operation of the user on the first option, and continuously receiving the verification result sent by the target auxiliary user to complete the transaction based on the received verification result, or And responding to the received selection operation of the second option by the user, terminating the transaction, and setting the disposable verification request sent to each auxiliary user to be in a failure state.
  10. 10. A payment transaction system, comprising: The primary verification module is used for responding to a transaction application initiated by a user on a transaction page and verifying an account of the user; The verification management module is used for sending a one-time verification request to each auxiliary user in an auxiliary user set bound with the user under the condition that an auxiliary verification triggering condition is met in the process of account verification of the user; The verification management module is further used for verifying the target auxiliary user by adopting a verification mode corresponding to the target auxiliary user aiming at each target auxiliary user responding to the one-time verification request; And the verification management module is also used for responding to the verification result which is sent by any one target auxiliary user and indicates that the verification is successful and is received in the verification request validity period, determining that the account of the user is successfully verified, and sending a payment request so as to deduct money from the account of the user.
  11. 11. An electronic device comprising a processor and a memory storing computer program instructions; The processor, when executing the computer program instructions, implements a payment transaction method as claimed in any one of claims 1 to 9.
  12. 12. A computer readable storage medium, having stored thereon computer program instructions which, when executed by a processor, implement a payment transaction method according to any of claims 1 to 9.
  13. 13. A computer program product, characterized in that instructions in the computer program product, when executed by a processor of an electronic device, cause the electronic device to perform the payment transaction method according to any of claims 1-9.

Description

Payment transaction method, system, electronic device, storage medium and program product Technical Field The present application relates to the field of digital payment technologies, and in particular, to a payment transaction method, a payment transaction system, an electronic device, a storage medium, and a program product. Background With the popularization of digital payment and online financial services, password authentication, biometric feature recognition (such as fingerprint, face, etc.), short message authentication code authentication, etc. have become the mainstream way of account security authentication. However, some user groups may face the problems of weak password, fingerprint abrasion, unstable expression characteristics, poor illumination or equipment suitability and the like in the using process, so that the verification failure rate is high, and the situation that the transaction cannot be completed after multiple attempts often occurs. In view of this, a need exists for a way to improve the success rate of user account verification. Disclosure of Invention The embodiment of the application provides a payment transaction method, a payment transaction system, electronic equipment, a storage medium and a program product, which can improve the account verification success rate of a user and further improve the transaction success rate. In a first aspect, an embodiment of the present application provides a payment transaction method, including: Responding to a transaction application initiated by a user on a transaction page, and performing account verification on the user; In the process of account verification of a user, under the condition that an auxiliary verification triggering condition is met, sending a one-time verification request to each target auxiliary user in a target auxiliary user set bound with the user; Aiming at each target auxiliary user responding to the one-time verification request, verifying the target auxiliary user by adopting a verification mode corresponding to the target auxiliary user; And responding to the verification result which is sent by any one target auxiliary user and indicates that the verification is successful and is received in the validity period of the verification request, determining that the account of the user is successfully verified, and sending a payment request to deduct money from the account of the user. In a second aspect, an embodiment of the present application provides a payment transaction system, including: the primary verification module is used for responding to the transaction application initiated by the user on the transaction page and verifying the account of the user; The verification management module is used for sending a one-time verification request to each auxiliary user in an auxiliary user set bound with the user under the condition that an auxiliary verification triggering condition is met in the process of account verification of the user; the verification management module is also used for verifying the target auxiliary user by adopting a verification mode corresponding to the target auxiliary user aiming at each target auxiliary user responding to the one-time verification request; And the verification management module is also used for responding to the verification result which is sent by any one target auxiliary user and indicates that the verification is successful and is received in the validity period of the verification request, determining that the account of the user is verified successfully, and sending a payment request so as to deduct money from the account of the user. In a third aspect, an embodiment of the present application provides an electronic device including a processor and a memory storing computer program instructions; the processor, when executing the computer program instructions, implements a payment transaction method as in the first aspect. In a fourth aspect, embodiments of the present application provide a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement a payment transaction method as in the first aspect. In a fifth aspect, embodiments of the present application provide a computer program product, instructions in which, when executed by a processor of an electronic device, cause the electronic device to perform a payment transaction method as in the first aspect. In the embodiment of the application, the user initiates a transaction application on a transaction page to perform account verification on the user, in the process of performing account verification on the user, under the condition that an auxiliary verification triggering condition is met, a one-time verification request is sent to each auxiliary user in an auxiliary user set bound with the user, the target auxiliary user is verified by adopting a verification mode corresponding to the target auxiliary user aiming at each target auxiliary