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CN109255613A - A kind of payment processing method and device - Google Patents

A kind of payment processing method and device Download PDF

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Publication number
CN109255613A
CN109255613A CN201810975662.9A CN201810975662A CN109255613A CN 109255613 A CN109255613 A CN 109255613A CN 201810975662 A CN201810975662 A CN 201810975662A CN 109255613 A CN109255613 A CN 109255613A
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CN
China
Prior art keywords
payment
payer
request
channel
voucher
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
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CN201810975662.9A
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Chinese (zh)
Inventor
龙平
王小华
李建兵
郭仟
陈思思
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China Minsheng Banking Corp Ltd
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China Minsheng Banking Corp Ltd
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Publication date
Application filed by China Minsheng Banking Corp Ltd filed Critical China Minsheng Banking Corp Ltd
Priority to CN201810975662.9A priority Critical patent/CN109255613A/en
Publication of CN109255613A publication Critical patent/CN109255613A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本发明实施例提供了一种支付处理方法及装置。在本发明实施例中，接收支付请求，该支付请求至少携带支付渠道和支付方的标识；根据支付方的标识获取支付方的禁止支付渠道；判断禁止支付渠道是否包括该支付请求携带的支付渠道；如果禁止支付渠道包括该支付请求携带的支付渠道，则拒绝根据该支付请求进行支付；如果禁止支付渠道不包括该支付请求携带的支付渠道，则根据该支付请求进行支付。通过本发明实施例的方法可以避免不法分子使用支付方标识非法支付，例如盗刷银行卡，从而可以保障用户的财产安全。

Embodiments of the present invention provide a payment processing method and device. In the embodiment of the present invention, a payment request is received, and the payment request carries at least the identification of the payment channel and the payer; the prohibited payment channel of the payer is obtained according to the identification of the payer; it is determined whether the prohibited payment channel includes the payment channel carried in the payment request ; if the prohibited payment channel includes the payment channel carried by the payment request, then refuse to pay according to the payment request; if the prohibited payment channel does not include the payment channel carried by the payment request, then pay according to the payment request. The method of the embodiment of the present invention can avoid illegal payment by illegal elements using the identifier of the payment party, such as stealing and swiping a bank card, so as to ensure the property safety of the user.

Description

A kind of payment processing method and device
Technical field
The present invention relates to field of computer technology, more particularly to a kind of payment processing method and device.
Background technique
With the fast development of bank card business in recent years, bankcard consumption has been more and more people to accept, and gradually Penetrate into the every field of social life.At the same time, with the high speed development of bank card business, risk shape that bank card faces Gesture is increasingly serious, and some illegal activities carried out using bank card are occurred repeatedly, and means of crime is constantly to high-tech, group Change, specialized, large-scale development, case implementation process is more hidden, and gimmick constantly updates, and especially steals the case of brush bank card It is even more impossible to guard against, startling, it constitutes a serious threat to the property safety of holder.
Summary of the invention
In order to solve the above technical problems, the embodiment of the present invention shows a kind of payment processing method and device.
In a first aspect, the embodiment of the present invention shows a kind of payment processing method, which comprises
Payment request is received, the payment request at least carries the mark of channel of disbursement and payer；
Forbid channel of disbursement according to the mark acquisition payer of the payer；
Forbid whether channel of disbursement includes channel of disbursement that the payment request carries described in judgement；
If described, to forbid channel of disbursement include the channel of disbursement that the payment request carries, and is refused according to the payment Request is paid.
In an optional implementation, the method also includes:
If described, to forbid channel of disbursement include the channel of disbursement that the payment request carries, according to the payer It identifies to the payer and sends checking request, the checking request is for requesting the payer to provide the pre- of the payer If evidence for payment；
Receive the evidence for payment that the payer is sent according to the checking request；
The default evidence for payment of the stored payer is obtained according to the mark of the payer；
Determine whether the default evidence for payment of received evidence for payment and acquisition is identical；
If received evidence for payment is different from the default evidence for payment of acquisition, the refusal is executed according to the payment Request the process paid；
If received evidence for payment is identical as the default evidence for payment of acquisition, propped up according to the payment request It pays.
It is described that the stored payer is obtained according to the mark of the payer in an optional implementation Default evidence for payment, comprising:
According to the mark of the payer obtain the payer is corresponding, forbid channel of disbursement and default pay mark it Between corresponding relationship；
It is searched in the corresponding relationship and forbids the corresponding default evidence for payment of channel of disbursement with described.
In an optional implementation, the method also includes:
After refusal is paid according to the payment request, prompt information, the prompt are sent to the payer Information received the payment request for prompting.
Second aspect, the embodiment of the present invention show a kind of payment processing device, and described device includes:
Receiving module, for receiving payment request, the payment request at least carries the mark of channel of disbursement and payer；
First obtains module, forbids channel of disbursement for what the mark according to the payer obtained the payer；
Judgment module described forbids whether channel of disbursement includes channel of disbursement that the payment request carries for judging；
Refuse module, if to forbid channel of disbursement include the channel of disbursement that the payment request carries for described, refuses It is paid according to the payment request absolutely.
In an optional implementation, described device further include:
First sending module, if to forbid channel of disbursement include the channel of disbursement that the payment request carries for described, Checking request is then sent to the payer according to the mark of the payer, the checking request is for requesting the payer The default evidence for payment of the payer is provided；
Receiving module, the evidence for payment sent for receiving the payer according to the checking request；
Second obtains module, and the default payment of the stored payer is obtained for the mark according to the payer Voucher；
Whether determining module, the default evidence for payment for determining received evidence for payment and acquisition are identical；
The refusal module is also used to: if received evidence for payment is different from the default evidence for payment of acquisition, being refused It is paid according to the payment request；
Payment module, if identical as the default evidence for payment of acquisition for received evidence for payment, according to the branch Request is paid to be paid.
In an optional implementation, the second acquisition module includes:
According to the mark of the payer obtain the payer is corresponding, forbid channel of disbursement and default pay mark it Between corresponding relationship；
It is searched in the corresponding relationship and forbids the corresponding default evidence for payment of channel of disbursement with described.
In an optional implementation, described device further include:
Second sending module, for being sent to the payer after refusal is paid according to the payment request Prompt information, the prompt information received the payment request for prompting.
The third aspect, the embodiment of the present invention show a kind of electronic equipment, including memory, processor and are stored in storage On device and the computer program that can run on a processor, the processor are realized as described in relation to the first aspect when executing described program Payment processing method the step of.
Fourth aspect, the embodiment of the present invention show a kind of computer readable storage medium, the computer-readable storage It is stored with computer program on medium, is realized when the computer program is executed by processor at payment as described in relation to the first aspect The step of reason method.
Compared with prior art, the embodiment of the present invention includes following advantages:
In embodiments of the present invention, payment request is received, which at least carries the mark of channel of disbursement and payer Know；Forbid channel of disbursement according to the mark acquisition payer of payer；Judgement forbids whether channel of disbursement includes that the payment is asked Seek the channel of disbursement of carrying；If forbidding channel of disbursement includes the channel of disbursement that the payment request carries, refuse according to the branch Request is paid to be paid；If the channel of disbursement for forbidding channel of disbursement not and include the payment request to carry, is asked according to the payment It asks and is paid.Method through the embodiment of the present invention can identify illegal payment using payer to avoid criminal, such as Brush bank card is stolen, so as to ensure the property safety of user.
Detailed description of the invention
Fig. 1 is a kind of step flow chart of payment processing method embodiment of the invention；
Fig. 2 is a kind of step flow chart of payment processing method embodiment of the invention；
Fig. 3 is a kind of structural block diagram of payment processing Installation practice of the invention.
Specific embodiment
In order to make the foregoing objectives, features and advantages of the present invention clearer and more comprehensible, with reference to the accompanying drawing and specific real Applying mode, the present invention is described in further detail.
Referring to Fig.1, a kind of step flow chart of payment processing method embodiment of the invention is shown, can specifically include Following steps:
In step s101, payment request is received, which at least carries the mark of channel of disbursement and payer；
In embodiments of the present invention, the card number etc. of used bank card when the mark of payer can be with payment.
User can be swiped the card in POS machine when being paid using bank card, can use bank card branch by quick payment It pays, is paid by e-Bank payment or by ATM machine.Therefore, channel of disbursement includes at least: POS machine, quick payment, Internetbank and ATM etc. may also comprise other channel of disbursement certainly, and the embodiment of the present invention is not limited this.
Wherein, when payer needs to pay, payment request can be generated using the mark of payer in payment terminal, Then controlling terminal sends the payment request to payment server, and payment server receives the payment request, then executes step S102。
In step s 102, channel of disbursement is forbidden according to the mark acquisition payer of payer；
In embodiments of the present invention, payer can be arranged it in advance in payment server and forbid channel of disbursement, for example, The channel of disbursement of forbidding being arranged is Internetbank, when payer is paid using bank card, can not pay success by e-Bank payment, lead to Success could be paid by crossing the channel of disbursement such as ATM, quick payment or POS machine.
In step s 103, judgement forbid channel of disbursement whether include the payment request carry channel of disbursement；
Forbidding channel of disbursement may be a channel of disbursement, it is also possible to multiple channel of disbursement.
If forbidding channel of disbursement includes the channel of disbursement that the payment request carries, in step S104, refusal basis should Payment request is paid.
If the channel of disbursement for forbidding channel of disbursement not and include the payment request to carry, in step s105, according to the branch Request is paid to be paid.
In embodiments of the present invention, payment request is received, which at least carries the mark of channel of disbursement and payer Know；Forbid channel of disbursement according to the mark acquisition payer of payer；Judgement forbids whether channel of disbursement includes that the payment is asked Seek the channel of disbursement of carrying；If forbidding channel of disbursement includes the channel of disbursement that the payment request carries, refuse according to the branch Request is paid to be paid；If the channel of disbursement for forbidding channel of disbursement not and include the payment request to carry, is asked according to the payment It asks and is paid.Method through the embodiment of the present invention can identify illegal payment using payer to avoid criminal, such as Brush bank card is stolen, so as to ensure the property safety of user.
However, sometimes when payer encounters special circumstances, it is also desirable to pay canal by forbidding using bank card The payment of road channel of disbursement, if payment server is still refused to pay at this time, can reduce user experience.
Therefore, in order to avoid reducing user experience, in an alternative embodiment of the invention, referring to fig. 2, this method further include:
If described, to forbid channel of disbursement include the channel of disbursement that the payment request carries, in step s 201, according to The mark of payer sends checking request to payer, which is used to that payer to be requested to provide the default payment of payer Voucher；
Default evidence for payment can be the password that payer stores in payment server in advance, for example, phone number Code, date of birth, birthplace or work unit etc..
Alternatively, the checking request is a short message, it include 4 identifying codes or 6 identifying codes in short message, according to payer Mark obtains the phone number of payer, sends the short message to the phone number, and payer passes through mobile phone, and to receive this short After letter, it will be able to view identifying code, then send the identifying code to payment server.
In step S202, the evidence for payment that payer is sent according to the checking request is received；
In step S203, the default evidence for payment of stored payer is obtained according to the mark of payer；
In order to further increase the property safety of user, in embodiments of the present invention, different forbids channel of disbursement corresponding Default pay mark it is different, even if criminal obtains a default pay mark, do not know the default pay mark pair yet Which should forbid channel of disbursement in, in this way, brush bank card can not be stolen, so as to further ensure the wealth of payer Produce safety.
Specifically, obtain that the payer is corresponding, forbids channel of disbursement and default payment mark according to the mark of payer Corresponding relationship between knowledge；Default evidence for payment corresponding with channel of disbursement is forbidden is searched in the corresponding relationship.
In step S204, determine whether the default evidence for payment of received evidence for payment and acquisition is identical；
If received evidence for payment is different from the default evidence for payment of acquisition, then follow the steps S104: refusal basis should Payment request is paid；
If received evidence for payment is identical as the default evidence for payment of acquisition, S105 is thened follow the steps: according to the payment Request is paid.
If received evidence for payment is identical as the default evidence for payment of acquisition, illustrate be payer carry out conjunction Method payment behavior is not the illegal payment behavior that criminal executes, so as to be paid according to the payment request.
Further, if criminal carries out illegal payment using payer mark, although payment server can be refused It is paid according to the payment request, but it is stated that the proprietary information of user is intercepted by criminal, in order to ensure user Property safety, refusal paid according to the payment request after, need to payer send prompt information, the prompt letter Breath received the payment request for prompting, so that payer knows this situation, and then changed the close of bank card in time The information such as code, bring loss to user's property after avoiding.
It should be noted that for simple description, therefore, it is stated as a series of action groups for embodiment of the method It closes, but those skilled in the art should understand that, embodiment of that present invention are not limited by the describe sequence of actions, because according to According to the embodiment of the present invention, some steps may be performed in other sequences or simultaneously.Secondly, those skilled in the art also should Know, the embodiments described in the specification are all preferred embodiments, and the related movement not necessarily present invention is implemented Necessary to example.
Referring to Fig. 3, a kind of structural block diagram of payment processing Installation practice of the present invention is shown, which specifically can wrap Include following module:
Receiving module 11, for receiving payment request, the payment request at least carries the mark of channel of disbursement and payer Know；
First obtains module 12, forbids channel of disbursement for what the mark according to the payer obtained the payer；
Judgment module 13 described forbids whether channel of disbursement includes payment canal that the payment request carries for judging Road；
Refuse module 14, if to forbid channel of disbursement include the channel of disbursement that the payment request carries for described, Refusal is paid according to the payment request.
In an optional implementation, described device further include:
First sending module, if to forbid channel of disbursement include the channel of disbursement that the payment request carries for described, Checking request is then sent to the payer according to the mark of the payer, the checking request is for requesting the payer The default evidence for payment of the payer is provided；
Receiving module, the evidence for payment sent for receiving the payer according to the checking request；
Second obtains module, and the default payment of the stored payer is obtained for the mark according to the payer Voucher；
Whether determining module, the default evidence for payment for determining received evidence for payment and acquisition are identical；
The refusal module is also used to: if received evidence for payment is different from the default evidence for payment of acquisition, being refused It is paid according to the payment request；
Payment module, if identical as the default evidence for payment of acquisition for received evidence for payment, according to the branch Request is paid to be paid.
In an optional implementation, the second acquisition module includes:
According to the mark of the payer obtain the payer is corresponding, forbid channel of disbursement and default pay mark it Between corresponding relationship；
It is searched in the corresponding relationship and forbids the corresponding default evidence for payment of channel of disbursement with described.
In an optional implementation, described device further include:
Second sending module, for being sent to the payer after refusal is paid according to the payment request Prompt information, the prompt information received the payment request for prompting.
In embodiments of the present invention, payment request is received, which at least carries the mark of channel of disbursement and payer Know；Forbid channel of disbursement according to the mark acquisition payer of payer；Judgement forbids whether channel of disbursement includes that the payment is asked Seek the channel of disbursement of carrying；If forbidding channel of disbursement includes the channel of disbursement that the payment request carries, refuse according to the branch Request is paid to be paid；If the channel of disbursement for forbidding channel of disbursement not and include the payment request to carry, is asked according to the payment It asks and is paid.Method through the embodiment of the present invention can identify illegal payment using payer to avoid criminal, such as Brush bank card is stolen, so as to ensure the property safety of user.
For device embodiment, since it is basically similar to the method embodiment, related so being described relatively simple Place illustrates referring to the part of embodiment of the method.
All the embodiments in this specification are described in a progressive manner, the highlights of each of the examples are with The difference of other embodiments, the same or similar parts between the embodiments can be referred to each other.
It should be understood by those skilled in the art that, the embodiment of the embodiment of the present invention can provide as method, apparatus or calculate Machine program product.Therefore, the embodiment of the present invention can be used complete hardware embodiment, complete software embodiment or combine software and The form of the embodiment of hardware aspect.Moreover, the embodiment of the present invention can be used one or more wherein include computer can With in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of program code The form of the computer program product of implementation.
The embodiment of the present invention be referring to according to the method for the embodiment of the present invention, terminal device (system) and computer program The flowchart and/or the block diagram of product describes.It should be understood that flowchart and/or the block diagram can be realized by computer program instructions In each flow and/or block and flowchart and/or the block diagram in process and/or box combination.It can provide these Computer program instructions are set to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing terminals Standby processor is to generate a machine, so that being held by the processor of computer or other programmable data processing terminal devices Capable instruction generates for realizing in one or more flows of the flowchart and/or one or more blocks of the block diagram The device of specified function.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing terminal devices In computer-readable memory operate in a specific manner, so that instruction stored in the computer readable memory generates packet The manufacture of command device is included, which realizes in one side of one or more flows of the flowchart and/or block diagram The function of being specified in frame or multiple boxes.
These computer program instructions can also be loaded into computer or other programmable data processing terminal devices, so that Series of operation steps are executed on computer or other programmable terminal equipments to generate computer implemented processing, thus The instruction executed on computer or other programmable terminal equipments is provided for realizing in one or more flows of the flowchart And/or in one or more blocks of the block diagram specify function the step of.
Although the preferred embodiment of the embodiment of the present invention has been described, once a person skilled in the art knows bases This creative concept, then additional changes and modifications can be made to these embodiments.So the following claims are intended to be interpreted as Including preferred embodiment and fall into all change and modification of range of embodiment of the invention.
Finally, it is to be noted that, herein, relational terms such as first and second and the like be used merely to by One entity or operation are distinguished with another entity or operation, without necessarily requiring or implying these entities or operation Between there are any actual relationship or orders.Moreover, the terms "include", "comprise" or its any other variant meaning Covering non-exclusive inclusion, so that process, method, article or terminal device including a series of elements not only wrap Those elements are included, but also including other elements that are not explicitly listed, or further includes for this process, method, article Or the element that terminal device is intrinsic.In the absence of more restrictions, being wanted by what sentence "including a ..." limited Element, it is not excluded that there is also other identical elements in process, method, article or the terminal device for including the element.
Above to a kind of payment processing method provided by the present invention and device, it is described in detail, it is used herein A specific example illustrates the principle and implementation of the invention, and the above embodiments are only used to help understand Method and its core concept of the invention；At the same time, for those skilled in the art is having according to the thought of the present invention There will be changes in body embodiment and application range, in conclusion the content of the present specification should not be construed as to the present invention Limitation.

Claims (10)

1.一种支付处理方法，其特征在于，所述方法包括：1. A payment processing method, wherein the method comprises: 接收支付请求，所述支付请求至少携带支付渠道和支付方的标识；receiving a payment request, where the payment request at least carries the identification of the payment channel and the payer; 根据所述支付方的标识获取所述支付方的禁止支付渠道；Obtain the prohibited payment channel of the payer according to the payer's identification; 判断所述禁止支付渠道是否包括所述支付请求携带的支付渠道；Determine whether the prohibited payment channel includes the payment channel carried by the payment request; 如果所述禁止支付渠道包括所述支付请求携带的支付渠道，则拒绝根据所述支付请求进行支付。If the prohibited payment channel includes the payment channel carried by the payment request, then the payment according to the payment request is refused. 2.根据权利要求1所述的方法，其特征在于，所述方法还包括：2. The method according to claim 1, wherein the method further comprises: 如果所述禁止支付渠道包括所述支付请求携带的支付渠道，则根据所述支付方的标识向所述支付方发送验证请求，所述验证请求用于请求所述支付方提供所述支付方的预设支付凭证；If the prohibited payment channel includes a payment channel carried in the payment request, send a verification request to the payer according to the payer's identification, where the verification request is used to request the payer to provide the payer's information Default payment voucher; 接收所述支付方根据所述验证请求发送的支付凭证；receiving the payment voucher sent by the payer according to the verification request; 根据所述支付方的标识获取已存储的所述支付方的预设支付凭证；Acquire the stored preset payment voucher of the payer according to the identifier of the payer; 确定接收的支付凭证与获取的预设支付凭证是否相同；Determine whether the received payment voucher is the same as the obtained preset payment voucher; 如果接收的支付凭证与获取的预设支付凭证不同，则执行所述拒绝根据所述支付请求进行支付的流程；If the received payment credential is different from the acquired preset payment credential, executing the process of rejecting payment according to the payment request; 如果接收的支付凭证与获取的预设支付凭证相同，则根据所述支付请求进行支付。If the received payment voucher is the same as the acquired preset payment voucher, the payment is made according to the payment request. 3.根据权利要求2所述的方法，其特征在于，所述根据所述支付方的标识获取已存储的所述支付方的预设支付凭证，包括：3. The method according to claim 2, wherein the acquiring the stored preset payment voucher of the payer according to the identifier of the payer comprises: 根据所述支付方的标识获取所述支付方对应的、禁止支付渠道与预设支付标识之间的对应关系；Acquiring the corresponding relationship between the prohibited payment channel and the preset payment identifier corresponding to the payer according to the identifier of the payer; 在所述对应关系中查找与所述禁止支付渠道相对应的预设支付凭证。Search for a preset payment voucher corresponding to the prohibited payment channel in the corresponding relationship. 4.根据权利要求1所述的方法，其特征在于，所述方法还包括：4. The method according to claim 1, wherein the method further comprises: 在拒绝根据所述支付请求进行支付之后，向所述支付方发送提示信息，所述提示信息用于提示接收到过所述支付请求。After the payment according to the payment request is refused, prompt information is sent to the payer, where the prompt information is used to prompt that the payment request has been received. 5.一种支付处理装置，其特征在于，所述装置包括：5. A payment processing device, wherein the device comprises: 接收模块，用于接收支付请求，所述支付请求至少携带支付渠道和支付方的标识；a receiving module, configured to receive a payment request, where the payment request at least carries the identification of the payment channel and the payer; 第一获取模块，用于根据所述支付方的标识获取所述支付方的禁止支付渠道；a first acquiring module, configured to acquire the prohibited payment channel of the payer according to the identifier of the payer; 判断模块，用于判断所述禁止支付渠道是否包括所述支付请求携带的支付渠道；a judging module for judging whether the prohibited payment channel includes the payment channel carried by the payment request; 拒绝模块，用于如果所述禁止支付渠道包括所述支付请求携带的支付渠道，则拒绝根据所述支付请求进行支付。A rejecting module, configured to reject the payment according to the payment request if the prohibited payment channel includes the payment channel carried in the payment request. 6.根据权利要求5所述的装置，其特征在于，所述装置还包括：6. The apparatus according to claim 5, wherein the apparatus further comprises: 第一发送模块，用于如果所述禁止支付渠道包括所述支付请求携带的支付渠道，则根据所述支付方的标识向所述支付方发送验证请求，所述验证请求用于请求所述支付方提供所述支付方的预设支付凭证；a first sending module, configured to send a verification request to the payer according to the identifier of the payer if the prohibited payment channel includes the payment channel carried in the payment request, where the verification request is used to request the payment The party provides the payment party's default payment certificate; 接收模块，用于接收所述支付方根据所述验证请求发送的支付凭证；a receiving module, configured to receive the payment voucher sent by the payer according to the verification request; 第二获取模块，用于根据所述支付方的标识获取已存储的所述支付方的预设支付凭证；a second acquiring module, configured to acquire the stored preset payment voucher of the payer according to the identifier of the payer; 确定模块，用于确定接收的支付凭证与获取的预设支付凭证是否相同；a determining module, configured to determine whether the received payment voucher is the same as the acquired preset payment voucher; 所述拒绝模块还用于：如果接收的支付凭证与获取的预设支付凭证不同，则拒绝根据所述支付请求进行支付；The rejecting module is further configured to: if the received payment voucher is different from the acquired preset payment voucher, reject the payment according to the payment request; 支付模块，用于如果接收的支付凭证与获取的预设支付凭证相同，则根据所述支付请求进行支付。A payment module, configured to pay according to the payment request if the received payment voucher is the same as the acquired preset payment voucher. 7.根据权利要求6所述的装置，其特征在于，所述第二获取模块包括：7. The apparatus according to claim 6, wherein the second acquiring module comprises: 获取单元，用于根据所述支付方的标识获取所述支付方对应的、禁止支付渠道与预设支付标识之间的对应关系；an acquiring unit, configured to acquire, according to the identifier of the payer, the corresponding relationship between the prohibited payment channel and the preset payment identifier corresponding to the payer; 查找单元，用于在所述对应关系中查找与所述禁止支付渠道相对应的预设支付凭证。A search unit, configured to search the corresponding relationship for a preset payment voucher corresponding to the prohibited payment channel. 8.根据权利要求5所述的装置，其特征在于，所述装置还包括：8. The apparatus according to claim 5, wherein the apparatus further comprises: 第二发送模块，用于在拒绝根据所述支付请求进行支付之后，向所述支付方发送提示信息，所述提示信息用于提示接收到过所述支付请求。The second sending module is configured to send prompt information to the payer after refusing to pay according to the payment request, where the prompt information is used to prompt that the payment request has been received. 9.一种电子设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述程序时实现如权利要求1至4中任一项所述的支付处理方法的步骤。9. An electronic device comprising a memory, a processor and a computer program that is stored on the memory and can be run on the processor, wherein the processor implements any one of claims 1 to 4 when the processor executes the program. The steps of a payment processing method as described. 10.一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有计算机程序，所述计算机程序被处理器执行时实现如权利要求1至4中任一项所述的支付处理方法的步骤。10. A computer-readable storage medium, wherein a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program according to any one of claims 1 to 4 is implemented. The steps of the payment processing method.
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