CN109359960A - The implementation method and device of e-payment - Google Patents
The implementation method and device of e-payment Download PDFInfo
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- CN109359960A CN109359960A CN201810865645.XA CN201810865645A CN109359960A CN 109359960 A CN109359960 A CN 109359960A CN 201810865645 A CN201810865645 A CN 201810865645A CN 109359960 A CN109359960 A CN 109359960A
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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
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q20/40—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
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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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
- G06Q20/40—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
- G06Q20/405—Establishing or using transaction specific rules
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Abstract
Specification discloses the implementation method and device of a kind of e-payment.This method comprises: judging whether service parameter exceeds the preset business limit of paying party when handling e-payment business；If exceeding, excess is sent by scheduled communication channel and reminds the trust third party bound to the paying party；It reminds the limit of input to release instruction for the excess in response to the trust third party, the business limit is released according to predetermined releasing strategy.
Description
Technical field
This specification is related to the implementation method and device of Internet technical field more particularly to a kind of e-payment.
Background technique
With the fast development of internet finance, e-payment is convenient with its, efficient advantage is gradually instead of traditional
Bank note payment.However, e-payment also brings opportunity to criminal, many criminals begin through e-payment
Mode gain the wealth of the specific groups such as teenager, the elderly by cheating, how to ensure that the fund security of these specific groups has become
Urgent problem to be solved.
Summary of the invention
In view of this, this specification provides the implementation method and device of a kind of e-payment.
Specifically, this specification is achieved by the following technical solution:
A kind of implementation method of e-payment, comprising:
When handling e-payment business, judge whether service parameter exceeds the preset business limit of paying party；
If exceeding, excess is sent by scheduled communication channel and reminds the trust third party bound to the paying party；
The limit of input is reminded to release instruction for the excess in response to the trust third party, according to predetermined releasing plan
Slightly release the business limit.
A kind of realization device of e-payment, comprising:
Limit judging unit judges whether service parameter exceeds the preset industry of paying party when handling e-payment business
Business limit；
Transmission unit is reminded, when service parameter is beyond the preset business limit of paying party, passes through scheduled communication channel
It sends excess and reminds the trust third party bound to the paying party；
Limit lifting unit reminds the limit of input to release instruction in response to the trust third party for the excess,
The business limit is released according to predetermined releasing strategy.
A kind of realization device of e-payment, comprising:
Processor；
For storing the memory of machine-executable instruction；
Wherein, it can be held by reading and executing the machine corresponding with the realization logic of e-payment of the memory storage
Row instruction, the processor are prompted to:
When handling e-payment business, judge whether service parameter exceeds the preset business limit of paying party；
If exceeding, excess is sent by scheduled communication channel and reminds the trust third party bound to the paying party；
The limit of input is reminded to release instruction for the excess in response to the trust third party, according to predetermined releasing plan
Slightly release the business limit.
This specification is when whether service parameter exceeds the preset business limit of paying party it can be seen from above description,
Transmittable excess is reminded to third party is trusted, and is confirmed whether releasing business limit by trusting third party, to reduce payment user
Cheated probability, it is ensured that the property safety for the user that pays the bill.
Detailed description of the invention
Fig. 1 is a kind of flow diagram of the implementation method of e-payment shown in one exemplary embodiment of this specification.
Fig. 2 is the process signal of the implementation method of another e-payment shown in one exemplary embodiment of this specification
Figure.
Fig. 3 is that an a kind of structure of realization device for e-payment shown in one exemplary embodiment of this specification is shown
It is intended to.
Fig. 4 is a kind of block diagram of the realization device of e-payment shown in one exemplary embodiment of this specification.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent device and method of some aspects be described in detail in attached claims, this specification.
It is only to be not intended to be limiting this explanation merely for for the purpose of describing particular embodiments in the term that this specification uses
Book.The "an" of used singular, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein is
Refer to and includes that one or more associated any or all of project listed may combine.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other out.For example, not taking off
In the case where this specification range, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
This specification provides a kind of implementation of e-payment, when the service parameters such as payment amount, quantity purchase exceed
When preset corresponding service limit, transmittable excess is reminded to third party is trusted, and is confirmed whether to release limit by trusting third party,
To reduce the probability that payment user is cheated, it is ensured that the property safety for the user that pays the bill.
In this specification, a side of the currency of payment in e-payment business can be known as paying party, paying party can be based on
Its user account completes payment, and the currency may include electronic money, ideal money etc., and this specification does not make special limit to this
System.
In this specification, service can will be provided for paying party in e-payment business, kinds of goods are claimed with the side for collecting remuneration
For beneficiary, beneficiary can complete gathering based on its user account.
The implementation of above-mentioned e-payment can be applied to payment platform, and the payment platform is usually independently of payment
The third-party platform of side and beneficiary, payment platform can be detained when realizing e-payment business from the user account of paying party
It is squeezed into the user account of beneficiary except the currency of matching amount, and by the currency.The payment platform is by being provided with payment services
Service provider deployment, physical support is usually server or server cluster.
Fig. 1 is a kind of flow diagram of the implementation method of e-payment shown in one exemplary embodiment of this specification.
Referring to FIG. 1, the implementation method of the e-payment can be applied to payment platform, comprising the following steps:
Step 102, when handling e-payment business, judge whether service parameter exceeds the preset business limit of paying party
Volume.
In the present embodiment, the service parameter may include amount of currency, the number of articles of purchase etc. of payment, accordingly
, the business limit may include: payment limit, product data limit etc., and this specification is not particularly limited this.
The business limit can be preset by paying party, can also be specified by payment platform.
The business limit may include single limit, can be used for limiting the service parameter of every e-payment business.
The business limit also may include period limit, for example, Day Sum Limited, Monthly Sum Limit etc., can be used for limiting statistics week
The service parameter total value of e-payment business in phase.
Step 104, if exceeding, excess is sent by scheduled communication channel and reminds the trust bound to the paying party
Third party.
In the present embodiment, the trust third party is different from paying party, and also different from beneficiary, usually paying party is believed
The user appointed, can preassign.For example, teenager can set its parent to the trust third party, the elderly can be by its son
Female is set as described trust third party etc..
In the present embodiment, when the service parameter of e-payment business exceeds preset business limit, payment platform can
The letter bound to paying party is reminded to send excess by the pre- routing such as voice channel, SMS channel, instant messaging channel
Appoint third party, third party is trusted with request, this e-payment business is confirmed.
Step 106, the limit of input is reminded to release instruction for the excess in response to the trust third party, according to pre-
The fixed strategy that releases releases the business limit.
In the present embodiment, trusting third party can assist paying party to carry out really the safety of this e-payment business
Recognize.
If trusting third party determines this e-payment service security, the volume that can send, which releases, to be instructed to payment platform,
Payment platform can release the business limit according to predetermined releasing strategy in turn.
For example, being directed to this e-payment business, the business limit is released.
For another example releasing described business limit etc. for the specified releasing period.
If trusting third party determines this e-payment business there are risk, it can send to refuse to instruct and be put down to payment
Platform, payment platform can not execute this e-payment business, and the notice of payment failure can be sent to paying party.
If trust third party does not carry out any response after receiving the excess and reminding, payment platform can reach time-out
The notice of payment failure is sent when the time to paying party.
This specification is when whether service parameter exceeds the preset business limit of paying party it can be seen from above description,
Transmittable excess is reminded to third party is trusted, and is confirmed whether releasing business limit by trusting third party, to reduce payment user
Cheated probability, it is ensured that the property safety for the user that pays the bill.
Below by specific implementation that service parameter is for payment amount, business limit are to pay limit to this specification
Journey is described in detail.
In the present embodiment, teenager, the elderly etc., which are easier to the crowd having dust thrown into the eyes, can preset e-payment
It pays limit and trusts third party.
By taking the elderly Zhang San as an example, Zhang San can be limited by the quota management function setting payment that payment client terminal provides
Volume.The payment limit may include single limit and period limit.
Wherein, the single limit is used to limit the payment amount of every e-payment business.
The period limit is used to limit the total payment of e-payment business in measurement period, for example, day payment limit,
Moon payment limit etc..
In the present embodiment, single limit can be only arranged in Zhang San, and period limit can also only be arranged, can also both be arranged
Period limit is arranged in single limit again.
It is worth noting that, period limit should be not less than single if single limit had not only been arranged but also period limit is arranged
Limit.
In the present embodiment, Zhang San can also be bound by payment client terminal trusts third party, such as Zhang San can be by its female
Youngster Zhang little Bai binds the trust third party.
When carrying out trusting third-party binding, Zhang San can be by inputting the user's account that register in payment platform of Zhang little Bai
Number to complete binding, Zhang San can also be by inputting the identity informations such as phone number, ID card No. of Zhang little Bai to complete to tie up
Fixed, this specification is not particularly limited this.
Certainly, when carrying out identity binding, the trust third party is needed to carry out binding acknowledgement, the place of this part toward contact
Reason is referred to the relevant technologies with realization, and this is no longer going to repeat them for this specification.
Referring to FIG. 2, the implementation method of e-payment provided in this embodiment may comprise steps of:
Step 202, payment platform judges whether payment amount exceeds the preset payment limit of paying party.If exceeding, hold
Row step 204.
In the present embodiment, payment platform can first judge paying for the e-payment order after generating e-payment order
Whether money side has been arranged payment limit.
If not set, delivery operation can be continued to execute.
If setting, it may determine that whether the payment amount of the e-payment order exceeds the payment limit of paying party setting
Volume.
In one example, if the payment limit is single limit, it can determine whether the payment amount exceeds institute
State single limit.
If without departing from that can determine the payment amount payment limit preset without departing from paying party, and then can continue to hold
Row delivery operation.
If exceeding, the payment amount payment limit preset beyond paying party can be determined.
In another example, if the payment limit is period limit, such as Day Sum Limited, then it can calculate paying party and exist
The payment total amount for the e-payment business that the same day carries out, then judges whether the payment total amount exceeds Day Sum Limited.
If without departing from that can determine the payment amount payment limit preset without departing from paying party, and then can continue to hold
Row delivery operation.
If exceeding, the payment amount payment limit preset beyond paying party can be determined.
In another example, it if the payment limit includes single limit and Day Sum Limited, is respectively necessary for limiting single
Volume and Day Sum Limited are judged, if having one beyond corresponding limit, can determine that payment amount is preset beyond paying party
Pay limit.
It is assumed that the preset single limit of Zhang San is 200 yuan, Day Sum Limited is 300 yuan.In some day, Zhang San is completed one
E-payment business, payment amount are 199 yuan.On the day of, Zhang San requests to carry out second e-payment, this e-payment
Payment amount is 150 yuan, and without departing from single limit, but the payment total amount on the same day is 199+150, has exceeded Day Sum Limited 300
Member can then determine that the payment amount of this e-payment has exceeded preset payment limit.
Step 204, advice and pay side's client shows communications buttons.
Step 206, paying party triggers the communications buttons, sends excess and reminds to trust third party.
In the present embodiment, payment platform can be transmitted excess and notify to the payment client terminal of paying party, the payment client
It holds and then communications buttons can be shown to paying party.The communications buttons, which can be used for sending excess by corresponding communication channel, to be mentioned
Wake up the trust third party bound to the paying party.
In one example, the communications buttons can trust third-party button for key calling.When paying party triggers
It when the one key call button, can be requested to trust third party's initiating speech conversation, paying party can be after trusting third party and answering
It converses with it.
In another example, the communications buttons may be short message button.When paying party triggers this short message
When button, short message can be sent to trust third party, may include in the short message this e-payment business payment amount,
Pay the information such as the origin of an incident, beneficiary.Certainly, when paying party triggers this short message button, the payment client terminal of paying party is also
Short message editing frame can be popped up, allows paying party from the edlin information to be sent, this specification is not particularly limited this.
In another example, the communications buttons can also be talk button.When paying party triggers this talk button
When, speech message can be sent to trust third party, disappeared for example, sending voice to the third-party payment client terminal of trust
Breath.It may also comprise the information such as the payment amount, the payment origin of an incident, beneficiary of this e-payment business in the speech message.With it is short
Message button is similar, and when paying party triggers this talk button, paying party, which can be given an oral account to issue, trusts third-party voice.
Certainly, the communications buttons can also be instant messaging button etc., and this specification is not particularly limited this.
In the present embodiment, the payment client terminal of paying party can show a kind of above-mentioned communications buttons, can also show pair
A variety of different communication buttons of different communication mode are answered, for paying party selection.
Certainly, in other embodiments, communications buttons can not also be shown to paying party, it can be directly according to scheduled communication
Channel sends excess and reminds to third party is trusted, and this specification is not particularly limited this.
Step 208, trust third party reminds import quota to release instruction for the excess.
In the present embodiment, third party is trusted when receiving excess prompting, empirically paying party can be assisted to judge
This payment whether there is security risk.
If it is determined that security risk is not present in this payment, then it can be released and be instructed with import quota.
Instruction is released for example, trusting third party and can input the limit by its payment client terminal.
Instruction is released for another example trusting third party and can input the limit by short message.
If it is determined that there are security risks for this payment, refusal instruction can be inputted by trusting third party, and payment platform in turn can
This e-payment business is executed with refusal, and sends corresponding prompt information to paying party.
Step 210, payment platform releases the payment limit according to the predetermined strategy that releases.
In the present embodiment, payment platform, can basis after receiving the limit for trusting third party's input and releasing instruction
The predetermined strategy that releases releases the payment limit.
In one example, the predetermined releasing strategy can be for the e-payment business in pre-determined number, release
The payment limit.The pre-determined number can be preset, and can also be referred to by trusting third party when import quota is released and instructed
It is fixed, for example, 1 time, it is 3 inferior.
Assuming that the pre-determined number is 3 times, then payment platform can execute this delivery operation.It is following for paying party
The business of e-payment twice to be carried out, payment platform is without the judgement for carrying out payment limit.
In another example, the predetermined releasing strategy, which can also be, releases the payment within the specified releasing period
Limit.
Assuming that the releasing period is two hours sent after limit releasing instruction, then it is small at next two
Shi Zhong, for paying party payment platform without the judgement for carrying out payment limit.
Other releasing strategies can also be arranged in practical applications in the above-mentioned exemplary only explanation of releasing strategy, this
Specification is not particularly limited this.
It is worth noting that, payment platform will follow timeout mechanism when executing delivery operation, toward contact.If in time-out
The interior limit that receives releases instruction, then can execute this delivery operation.If not receiving limit releasing in time-out time
Instruction does not execute this delivery operation then, and the prompt of payment failure is returned to paying party.If subsequent receive trusts third party
The limit of return releases instruction, then can release payment limit according to predetermined releasing strategy.
As an example it is assumed that payment time-out time is 1 minute, payment platform, which does not receive in 1 minute, trusts third party
The limit of transmission releases instruction, then payment platform does not execute this e-payment business.It is assumed that the predetermined strategy that releases is releasing 1
The payment limit of secondary e-payment, trust third party have sent limit releasing 1 hour after reaching payment time-out time and refer to
It enables, then payment platform releases payment limit when next paying party requests to carry out e-payment.
Optionally, on the basis of supporting to pay limit, this specification can also support payment limit exception scene.
Still by taking the elderly as an example, the elderlys such as hospital, supermarket there can be the safe beneficiary of payment demand be added to white name
Dan Zhong.
The e-payment business of payment limit is provided with for paying party, in one example, payment platform can first be sentenced
Whether the beneficiary for the e-payment business of breaking hits white list.
If hitting white list, it is directed to this e-payment business, the business limit can be released, directly execute payment
Operation.Whether exceed the judgement of payment limit without carrying out payment amount, i.e., executable delivery operation.
If miss white list, the step for judging whether payment amount exceeds the preset payment limit of paying party can be executed
Suddenly.
In another example, payment platform can also be in the payment amount for confirming this e-payment beyond payment limit
When, judge whether beneficiary hits white list.
If hitting white list, the payment limit of this e-payment business can be released, executes delivery operation.
If miss white list, it can execute and be reminded by scheduled communication channel transmission excess to paying party binding
Trust third-party step.
In the present embodiment, payment platform can judge the e-payment business according to the generation position of e-payment business
Beneficiary whether hit white list.
For example, payment platform can obtain the generation position of e-payment business, such as longitude and latitude by payment client terminal
Coordinate, then judges whether the generation position is located at the location of each beneficiary in white list, if so, beneficiary can be confirmed
Hit white list.
In the present embodiment, in addition to the place that the elderlys such as hospital, supermarket often consume, payment platform can also will pass through
The beneficiary of safety certification is added in white list.
The safety certification can be executed by trust authority, for example, believable Third Party Authentication mechanism etc..
Safe and reliable beneficiary can be added in white list by the present embodiment, to be the paying party of preset business limit
The payment scene of safe and reliable unrestricted volume constraint is provided, on the basis of reduction payment user is cheated probability, facilitates payment
Side carries out e-payment in security scenario.
Corresponding with the embodiment of implementation method of aforementioned electronic payment, this specification additionally provides the realization of e-payment
The embodiment of device.
The embodiment of the realization device of this specification e-payment can be using on the server.Installation practice can lead to
Software realization is crossed, can also be realized by way of hardware or software and hardware combining.Taking software implementation as an example, as a logic
Device in meaning is by the processor of server where it by computer program instructions corresponding in nonvolatile memory
It is read into memory what operation was formed.For hardware view, as shown in figure 3, being the realization device of this specification e-payment
A kind of hardware structure diagram of place server, in addition to processor shown in Fig. 3, memory, network interface and non-volatile memories
Except device, the server in embodiment where device can also include other hardware generally according to the actual functional capability of the server,
This is repeated no more.
Fig. 4 is a kind of block diagram of the realization device of e-payment shown in one exemplary embodiment of this specification.
Referring to FIG. 4, the realization device 300 of the e-payment can be applied in aforementioned server shown in Fig. 3, packet
Included: limit judging unit 301 reminds transmission unit 302, limit lifting unit 303 and white list judging unit 304.
Wherein, limit judging unit 301 judges whether service parameter exceeds paying party when handling e-payment business
Preset business limit；
Transmission unit 302 is reminded, it is logical by scheduled communication when service parameter is beyond the preset business limit of paying party
Road sends excess and reminds the trust third party bound to the paying party；
Limit lifting unit 303 reminds the limit releasing of input to refer in response to the trust third party for the excess
It enables, the business limit is released according to predetermined releasing strategy.
White list judging unit 304, judges whether the beneficiary of the e-payment business hits white list；If hit,
It is then directed to the e-payment business, releases the business limit.
Optionally, the white list judging unit 304 judges the electricity according to the generation position of the e-payment business
Whether the beneficiary of sub- payment transaction hits white list.
Optionally, when the business limit includes single limit, the limit judging unit 301:
Judge whether service parameter exceeds the preset single limit of paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
Optionally, when the business limit includes period limit, the limit judging unit 301:
Calculate the service parameter total value for the e-payment business that paying party occurs in measurement period；
Judge whether the service parameter total value exceeds the preset period limit of the paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
Optionally, the limit lifting unit 303 releases the business limit within the specified releasing period.
Optionally, the limit lifting unit 303 releases the business for the e-payment business in pre-determined number
Limit.
Optionally, when the service parameter is payment amount, the business limit is payment limit.
Optionally, the scheduled communication channel includes one or more of:
Voice channel, SMS channel, instant messaging channel.
The function of each unit and the realization process of effect are specifically detailed in the above method and correspond to step in above-mentioned apparatus
Realization process, details are not described herein.
For device embodiment, since it corresponds essentially to embodiment of the method, so related place is referring to method reality
Apply the part explanation of example.The apparatus embodiments described above are merely exemplary, wherein described be used as separation unit
The unit of explanation may or may not be physically separated, and component shown as a unit can be or can also be with
It is not physical unit, it can it is in one place, or may be distributed over multiple network units.It can be according to actual
The purpose for needing to select some or all of the modules therein to realize this specification scheme.Those of ordinary skill in the art are not
In the case where making the creative labor, it can understand and implement.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
Corresponding with the embodiment of implementation method of aforementioned electronic payment, this specification also provides a kind of reality of e-payment
Existing device, the realization device of the e-payment includes: processor and the memory for storing machine-executable instruction.Its
In, processor and memory are usually connected with each other by internal bus.In other possible implementations, the equipment may be used also
It can include external interface, can be communicated with other equipment or component.
In the present embodiment, by reading and executing the corresponding with the realization logic of e-payment of the memory storage
Machine-executable instruction, the processor are prompted to:
When handling e-payment business, judge whether service parameter exceeds the preset business limit of paying party；
If exceeding, excess is sent by scheduled communication channel and reminds the trust third party bound to the paying party；
The limit of input is reminded to release instruction for the excess in response to the trust third party, according to predetermined releasing plan
Slightly release the business limit.
Optionally, the processor is also prompted to:
Judge whether the beneficiary of the e-payment business hits white list；
If hit is directed to the e-payment business, releases the business limit.
Optionally, when judging whether the beneficiary of the e-payment business hits white list, the processor is promoted
Make:
According to the generation position of the e-payment business judge the e-payment business beneficiary whether hit it is white
List.
Optionally, when the business limit includes single limit, judge whether service parameter exceeds the preset industry of paying party
When limit of being engaged in, the processor is prompted to:
Judge whether service parameter exceeds the preset single limit of paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
Optionally, when the business limit includes period limit, judge whether service parameter exceeds the preset industry of paying party
When limit of being engaged in, the processor is prompted to:
Calculate the service parameter total value for the e-payment business that paying party occurs in measurement period；
Judge whether the service parameter total value exceeds the preset period limit of the paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
Optionally, when releasing the business limit according to predetermined releasing strategy, the processor is prompted to:
The business limit is released within the specified releasing period.
Optionally, when releasing the business limit according to predetermined releasing strategy, the processor is prompted to:
For the e-payment business in pre-determined number, the business limit is released.
Optionally, when the service parameter is payment amount, the business limit is payment limit.
Optionally, the scheduled communication channel includes one or more of:
Voice channel, SMS channel, instant messaging channel.
Corresponding with the embodiment of implementation method of aforementioned electronic payment, this specification also provides a kind of computer-readable deposit
Storage media is stored with computer program on the computer readable storage medium, realizes when which is executed by processor following
Step:
When handling e-payment business, judge whether service parameter exceeds the preset business limit of paying party；
If exceeding, excess is sent by scheduled communication channel and reminds the trust third party bound to the paying party；
The limit of input is reminded to release instruction for the excess in response to the trust third party, according to predetermined releasing plan
Slightly release the business limit.
Optionally, further includes:
Judge whether the beneficiary of the e-payment business hits white list；
If hit is directed to the e-payment business, releases the business limit.
Optionally, whether the beneficiary for judging the e-payment business hits white list, comprising:
According to the generation position of the e-payment business judge the e-payment business beneficiary whether hit it is white
List.
Optionally, when the business limit includes single limit, described to judge whether service parameter exceeds paying party pre-
The business limit set, comprising:
Judge whether service parameter exceeds the preset single limit of paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
Optionally, when the business limit includes period limit, described to judge whether service parameter exceeds paying party pre-
The business limit set, comprising:
Calculate the service parameter total value for the e-payment business that paying party occurs in measurement period；
Judge whether the service parameter total value exceeds the preset period limit of the paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
Optionally, the predetermined strategy that releases of the basis releases the business limit, comprising:
The business limit is released within the specified releasing period.
Optionally, the predetermined strategy that releases of the basis releases the business limit, comprising:
For the e-payment business in pre-determined number, the business limit is released.
Optionally, when the service parameter is payment amount, the business limit is payment limit.
Optionally, the scheduled communication channel includes one or more of:
Voice channel, SMS channel, instant messaging channel.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the movement recorded in detail in the claims or step can be come according to the sequence being different from embodiment
It executes and desired result still may be implemented.In addition, process depicted in the drawing not necessarily require show it is specific suitable
Sequence or consecutive order are just able to achieve desired result.In some embodiments, multitasking and parallel processing be also can
With or may be advantageous.
The foregoing is merely the preferred embodiments of this specification, all in this explanation not to limit this specification
Within the spirit and principle of book, any modification, equivalent substitution, improvement and etc. done should be included in the model of this specification protection
Within enclosing.
Claims (19)
1. a kind of implementation method of e-payment, comprising:
When handling e-payment business, judge whether service parameter exceeds the preset business limit of paying party；
If exceeding, excess is sent by scheduled communication channel and reminds the trust third party bound to the paying party；
The limit of input is reminded to release instruction for the excess in response to the trust third party, according to predetermined releasing strategy solution
Except the business limit.
2. according to the method described in claim 1, further include:
Judge whether the beneficiary of the e-payment business hits white list；
If hit is directed to the e-payment business, releases the business limit.
3. according to the method described in claim 2, whether the beneficiary for judging the e-payment business hits white list,
Include:
Judge whether the beneficiary of the e-payment business hits white list according to the generation position of the e-payment business.
4. according to the method described in claim 1, when the business limit includes single limit, the judgement service parameter is
The no business limit preset beyond paying party, comprising:
Judge whether service parameter exceeds the preset single limit of paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
5. according to the method described in claim 1, when the business limit includes period limit, the judgement service parameter is
The no business limit preset beyond paying party, comprising:
Calculate the service parameter total value for the e-payment business that paying party occurs in measurement period；
Judge whether the service parameter total value exceeds the preset period limit of the paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
6. according to the method described in claim 1, the predetermined strategy that releases of the basis releases the business limit, comprising:
The business limit is released within the specified releasing period.
7. according to the method described in claim 1, the predetermined strategy that releases of the basis releases the business limit, comprising:
For the e-payment business in pre-determined number, the business limit is released.
8. according to the method described in claim 1,
When the service parameter is payment amount, the business limit is payment limit.
9. according to the method described in claim 1, the scheduled communication channel includes one or more of:
Voice channel, SMS channel, instant messaging channel.
10. a kind of realization device of e-payment, comprising:
Limit judging unit judges whether service parameter exceeds the preset business limit of paying party when handling e-payment business
Volume；
Transmission unit is reminded, when service parameter is beyond the preset business limit of paying party, is sent by scheduled communication channel
Excess reminds the trust third party bound to the paying party；
Limit lifting unit reminds the limit of input to release instruction in response to the trust third party for the excess, according to
The predetermined strategy that releases releases the business limit.
11. device according to claim 10, further includes:
White list judging unit, judges whether the beneficiary of the e-payment business hits white list；If hit, for institute
E-payment business is stated, the business limit is released.
12. device according to claim 11,
The white list judging unit judges the receipts of the e-payment business according to the generation position of the e-payment business
Whether white list is hit in money side.
13. device according to claim 10, when the business limit includes single limit, the limit judgement is single
Member:
Judge whether service parameter exceeds the preset single limit of paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
14. device according to claim 10, when the business limit includes period limit, the limit judgement is single
Member:
Calculate the service parameter total value for the e-payment business that paying party occurs in measurement period；
Judge whether the service parameter total value exceeds the preset period limit of the paying party；
If exceeding, it is determined that the service parameter business limit preset beyond the paying party.
15. device according to claim 10,
The limit lifting unit releases the business limit within the specified releasing period.
16. device according to claim 10,
The limit lifting unit releases the business limit for the e-payment business in pre-determined number.
17. device according to claim 10,
When the service parameter is payment amount, the business limit is payment limit.
18. device according to claim 10, the scheduled communication channel includes one or more of:
Voice channel, SMS channel, instant messaging channel.
19. a kind of realization device of e-payment, comprising:
Processor；
For storing the memory of machine-executable instruction；
Wherein, referred to by reading and executing the machine corresponding with the realization logic of e-payment of the memory storage and can be performed
It enables, the processor is prompted to:
When handling e-payment business, judge whether service parameter exceeds the preset business limit of paying party；
If exceeding, excess is sent by scheduled communication channel and reminds the trust third party bound to the paying party；
The limit of input is reminded to release instruction for the excess in response to the trust third party, according to predetermined releasing strategy solution
Except the business limit.
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| CN201810865645.XA CN109359960A (en) | 2018-08-01 | 2018-08-01 | The implementation method and device of e-payment |
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| CN201810865645.XA CN109359960A (en) | 2018-08-01 | 2018-08-01 | The implementation method and device of e-payment |
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