CN116934315A - Multi-scenario payment methods, devices, electronic equipment and computer storage media - Google Patents

Abstract

The application relates to the technical field of mobile payment, and provides a multi-scene payment method, a multi-scene payment device, electronic equipment and a computer storage medium. The method is applied to the multi-scene payment system comprising the SIM card, and comprises the following steps: when online payment is carried out, transaction verification is carried out on the order to be paid based on the real-time networking characteristic of the SIM card, account balance and transaction records in the SIM card are modified based on the symmetrical and asymmetrical key system in combination with the order to be paid after the transaction verification is passed, and payment of the order to be paid is completed; and when offline payment is carried out, carrying out offline transaction risk control and offline password verification on the SIM card, after the risk control is passed and the verification is passed, modifying account balance and transaction records in the SIM card based on a symmetric and asymmetric key system in combination with a collection request, completing payment of the collection request, and synchronizing data of the SIM card to a background payment system corresponding to the collection request. The application can effectively improve the universality of the payment system.

Description

Multi-scenario payment methods, devices, electronic equipment and computer storage media

Technical field

This application relates to the field of mobile payment technology, specifically to a multi-scenario payment method, device, electronic equipment and computer storage medium.

Background technique

At present, payment systems are mainly divided into two categories: online payment and offline payment. Both online payment and offline payment can meet the requirements of corresponding payment scenarios. However, traditional online payment solutions have relatively high requirements for the network environment during the payment process. If the Internet is not available, payment cannot be made. At the same time, online transactions are limited by network transmission delays, and the entire transaction process cannot be controlled within a few hundred milliseconds. , so it cannot meet the needs of payment scenarios that need to be passed quickly. Users of traditional offline payment solutions need to recharge online before paying, which affects the user experience. Therefore, the current payment system has poor versatility.

Contents of the invention

Embodiments of the present application provide a multi-scenario payment method, device, electronic device, and computer storage medium to solve the technical problem of poor versatility of the current payment system.

In the first aspect, embodiments of the present application provide a multi-scenario payment method, which is applied to a multi-scenario payment system. The multi-scenario payment system includes a user identity recognition module SIM card. The SIM card has real-time networking characteristics and supports symmetric and The asymmetric key system modifies account balances and transaction records. The multi-scenario payment methods include:

When making online payment, the transaction verification of the order to be paid is performed based on the real-time networking feature of the SIM card, and after the transaction verification is passed, the account in the SIM card is verified based on the symmetric and asymmetric key system combined with the order to be paid. Modify the balance and transaction records and complete the payment of pending orders;

When making offline payment, the SIM card is subjected to offline transaction risk control and offline password verification. After passing the risk control and verification, the SIM card is processed based on the symmetric and asymmetric key system combined with the payment request. Modify the account balance and transaction records, complete the payment of the payment request, and synchronize the SIM card data to the backend payment system corresponding to the payment request.

In one embodiment, the multi-scenario payment method further includes:

If a loss report request is received, the SIM card is locked for loss report.

In one embodiment, the SIM card includes risk control parameters, and the multi-scenario payment method further includes:

Detect whether the period in which the SIM card does not perform data synchronization reaches the maximum time period for controlling data synchronization in the risk control parameters;

If the maximum time period for data synchronization in the risk control parameters is reached and the SIM card has not completed data synchronization with the background payment system, the SIM card will be locked after detecting that the SIM card is powered on and activated. .

In one embodiment, the multi-scenario payment method further includes:

If an unconfirmed transaction record is detected, the unconfirmed transaction record is synchronously uploaded to the backend payment system so that the backend payment system can initiate transaction reconciliation during the settlement process and perform data synchronization with the SIM card.

In one embodiment, before the step of verifying the transaction of the order to be paid based on the real-time networking feature of the SIM card, the step further includes:

After the order to be paid is initiated based on any networking channel, the user is notified to confirm the payment of the order to be paid based on the real-time networking feature of the SIM card to perform transaction verification of the order to be paid based on the real-time networking feature of the SIM card. step.

In one embodiment, the step of controlling offline transaction risk on the SIM card includes:

Determine whether the time interval of the SIM card's latest data synchronization with the backend payment system is greater than the time interval threshold included in the SIM card's wind control parameters;

If the time interval of the SIM card's latest data synchronization with the backend payment system is greater than the time interval threshold included in the SIM card's risk control parameters, it is determined that the SIM card has failed risk control and the payment request is rejected. .

In one embodiment, after the step of determining whether the time interval of the SIM card's latest data synchronization with the backend payment system is greater than the time interval threshold included in the SIM card's wind control parameters, the method further includes:

If the time interval of the SIM card's latest data synchronization with the backend payment system is less than or equal to the time interval threshold included in the risk control parameters of the SIM card, it is determined that the SIM card has passed risk control, and the SIM card Perform offline password verification.

In the second aspect, embodiments of the present application provide a multi-scenario payment device, which is applied to a multi-scenario payment system. The multi-scenario payment system includes a user identity recognition module SIM card. The SIM card has real-time networking characteristics and supports symmetric and The asymmetric key system modifies account balances and transaction records. The multi-scenario payment device includes:

The first payment module is used to perform transaction verification on the order to be paid based on the real-time networking characteristics of the SIM card when performing online payment, and after the transaction verification is passed, the order to be paid is combined based on the symmetric and asymmetric key system. Modify the account balance and transaction records in the SIM card to complete the payment of the pending order;

The second payment module is used to perform offline transaction risk control and offline password verification on the SIM card when performing offline payment, and collect payment based on a combination of symmetric and asymmetric key systems after passing the risk control and verification. Request to modify the account balance and transaction record in the SIM card, complete the payment of the collection request, and synchronize the data of the SIM card to the background payment system corresponding to the collection request.

In a third aspect, embodiments of the present application provide an electronic device, including a processor and a memory storing a computer program. When the processor executes the program, the multi-scenario payment method described in the first aspect or the second aspect is implemented. step.

In a fourth aspect, embodiments of the present application provide a computer storage medium. The computer storage medium is a computer-readable storage medium and includes a computer program. When the computer program is executed by a processor, it implements the first aspect or the second aspect. Steps for multi-scenario payment methods.

The multi-scene payment method, device, electronic equipment and computer storage medium provided by the embodiments of this application can be used to verify the transaction of the payment order based on the real-time networking characteristics of the SIM card when making online payments, thus avoiding the inability to proceed due to the inability to connect to the Internet. Payment issues, and after the transaction is verified, the account balance and transaction records in the SIM card are modified based on the symmetric and asymmetric key system combined with the order to be paid to complete the payment of the order to be paid, which can continuously achieve millisecond-level fast payments. Scenario support; when making offline payments, offline transaction risk control and offline password verification are performed on the SIM card based on the payment request. After completing the risk control and passing the verification, payment is collected based on a combination of symmetric and asymmetric key systems. Request to modify the account balance and transaction records in the SIM card, complete the payment of the collection request, and synchronize the SIM card data to the preset background payment system, so that the account data in the SIM card can be based on the data of the background payment system. , so users do not need to recharge manually during use. Therefore, this application can effectively improve the versatility of the current payment system.

Description of the drawings

In order to explain the technical solutions in this application or the prior art more clearly, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings in the following description are of the present invention. For some embodiments of the application, those of ordinary skill in the art can also obtain other drawings based on these drawings without exerting creative efforts.

Figure 1 is one of the flow diagrams of the multi-scenario payment method provided by the embodiment of the present application;

Figure 2 is the second schematic flowchart of the multi-scenario payment method provided by the embodiment of the present application;

Figure 3 is the third schematic flowchart of the multi-scenario payment method provided by the embodiment of the present application;

Figure 4 is the fourth schematic flowchart of the multi-scenario payment method provided by the embodiment of the present application;

Figure 5 is the fifth schematic flowchart of the multi-scenario payment method provided by the embodiment of the present application;

Figure 6 is a schematic flowchart No. 6 of the multi-scenario payment method provided by the embodiment of the present application;

Figure 7 is a functional module schematic diagram of an embodiment of the multi-scenario payment device of the present application;

FIG. 8 is a schematic structural diagram of an electronic device provided by an embodiment of the present application.

Detailed ways

In order to make the purpose, technical solutions and advantages of this application clearer, the technical solutions in this application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of this application. Obviously, the described embodiments are part of this application. Examples, not all examples. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative efforts fall within the scope of protection of this application.

Figure 1 is one of the flow diagrams of the multi-scenario payment method provided by the embodiment of the present application. Referring to Figure 1, an embodiment of the present application provides a multi-scenario payment method, which may include:

Step S100, when making online payment, perform transaction verification on the order to be paid based on the real-time networking characteristics of the SIM card, and after the transaction verification is passed, verify the SIM card based on the symmetric and asymmetric key system combined with the order to be paid. Modify the account balance and transaction records in the account and complete the payment of pending orders;

The multi-scenario payment method in this embodiment can be applied to a multi-scenario payment system. The multi-scenario payment system includes a SIM (Subscriber Identity Module) card, a back-end payment system of an account management institution, and a collection POS terminal (point of sale, sales terminal), payment collection system, etc. The SIM card has real-time networking features and supports modification of account balances and transaction records based on symmetric and asymmetric key systems. The SIM card includes an integrated security module (SE) for security The module has secure storage capabilities, so local copy data of user account information can be stored in the SE. Moreover, the local copy data can be communicated with the account of the background payment system of the account management institution according to certain strategies (such as quasi-real-time update strategy, daily update strategy, etc.) through the BIP (Bearer Independent Protocol, Independent Transmission Protocol) communication capability of the SIM card. information for data synchronization. The payment POS terminal is the POS terminal used by merchants to collect payments. The payment system is the system that corresponds to the POS terminal and is used to collect payments. The backend payment system is used to verify transactions and store transaction data.

It should be noted that the copy data retains the account balance and transaction records in the traditional offline payment scheme, and can support the modification of the account balance and transaction records based on the traditional symmetric and asymmetric key systems, so that the new payment system can achieve the same It is fully compatible with traditional offline payment transaction POS terminals and can continue to support millisecond-level fast payments (if only the asymmetric key system is supported, it may be impossible to use the SIM card because the asymmetric key verification time is too long. The speed of payment transactions is controlled at the millisecond level). In addition to retaining the account balance and transaction record data required for traditional offline transactions, the copy data also adds user certificates, user identification data and payment risk control parameter files. This part of the data is verified and controlled using an asymmetric key system. The back-end payment system of the account management institution is remotely managed based on the BIP communication capability of the SIM card, and is simultaneously associated and synchronized with the account balance and transaction records in the copy data.

It should be further noted that in this embodiment, the user needs to register and activate the SIM card. Specifically, user information, account information, risk control parameters, password data are written in the user's SIM card and generated to protect data security. The corresponding symmetric key and asymmetric key. The user information includes the user's personal certificate issued based on the asymmetric key pair generated by the SIM card. The backend payment system is connected to the CA center to complete the certificate issuance. The CA center is also called the CA institution, that is, the Certificate Authority (Certificate Authority), or certificate. The authorized agency, as a trusted third party in e-commerce transactions, is responsible for verifying the legality of the public key in the public key system; account information includes account balance information and transaction records, which are processed by the symmetric key generated by the backend payment system. Protection. During the consumption process, authorized POS terminals can complete data rewriting through matching consumption keys; risk control parameters include the time for synchronization of data in the SIM card with the background and the time period during which the card can support offline consumption after it is offline. If this is exceeded, If the periodic SIM card has not yet completed data synchronization with the backend payment system (the SIM card will automatically synchronize data with the backend payment system through the BIP channel at a certain period, and data will also be automatically synchronized during each online transaction), the SIM card will be automatically locked. The payment function can be unlocked only after data synchronization with the backend is completed; no password plaintext data is saved in the password data. The SIM card synchronizes a set of root keys with the backend payment system, and the backend payment system synchronizes the password-encrypted ciphertext data. The SIM card can Password verification is completed inside the security chip of the card based on the same root key and ciphertext data, but the ciphertext data cannot be reversely decrypted to obtain the password plaintext (password data).

In one example, the user inputs user registration information into the front-end interface, and the front-end interface submits the user registration information to the back-end payment system based on the BIP communication capability of the SIM card. The backend payment system verifies user information, specifically by sending user verification information to the SIM card. The SIM card prompts the user to verify the information. The specific verification methods can be dynamic SMS verification codes, SIM card personal PIN codes, etc. The user submits verification information, and the backend payment system starts the card personalization process after passing the verification, and issues the card personalization data (create asymmetric key, write user personal certificate, write protection key) to the SIM card, and the SIM card returns Generate data (including public keys, etc.) to the backend payment system to complete the registration and activation process.

In this embodiment, because the SIM card has real-time networking characteristics, when making online payments, the transaction verification of the payment order can be performed in real time based on the real-time networking characteristics of the SIM card. Specifically, because the SIM card can support certificates for transaction data Signing capability, so it can be signed based on the certificate of transaction data to improve transaction security and non-repudiation. Moreover, in this embodiment, the user's payment confirmation method can also be added, and the user can choose to conduct password verification, fingerprint, face scanning and other verification methods on the payment terminal, or the user can independently confirm the transaction based on the SIM card.

Furthermore, after the transaction is verified, since the modification of the account balance and transaction records based on the symmetric and asymmetric key systems is supported, the SIM card can be modified based on the symmetric key system and the asymmetric key system combined with the order to be paid. Modify the account balance and transaction records, and complete the payment of pending orders. Since when making online payment, the transaction verification of the payment order can be based on the real-time networking feature of the SIM card to avoid the problem of being unable to pay due to the inability to connect to the Internet. After the transaction verification is passed, the payment order can be verified based on the combination of symmetric and asymmetric key systems. The payment order modifies the account balance and transaction record in the SIM card to complete the payment of the order to be paid. It can continue to support millisecond-level fast payment scenarios and can effectively improve the versatility of the current payment system.

In one example, the cashier enters the payment amount through the payment POS terminal and creates a payment order to the payment system. After receiving the payment order, the payment system submits a payment request to the backend payment system, and the backend payment system creates a payment based on the payment request. order, and notify the payment order to be successfully created, waiting for user payment confirmation. If the user confirms on site, the user will confirm based on the mobile phone terminal containing the SIM card. The payment POS terminal determines whether encryption is required based on the order information, reads the user information, calls the personal certificate to sign and confirm the transaction, and records the SIM card local data. When verification is required, the user enters the payment password to the payment POS terminal, and the payment confirmation information is submitted by the payment confirmation information to the backend payment system. After the verification is passed, the backend payment system completes the payment deduction. If the user uses remote confirmation, the backend payment system sends a remote request to the SIM card based on the SIM card BIP channel. The SIM card determines whether local verification needs to be triggered based on the transaction risk control rules. If necessary, the user Identification Application Development Tool) menu prompts the user to enter the payment password. After the user enters the payment password value of the SIM card and the SIM card passes local verification, the delay user certificate signs the transaction confirmation information and records the local data of the SIM card. The SIM card returns the transaction confirmation information signed by the user certificate to the backend payment system. After the backend payment system passes the verification, the payment deduction is completed and data is synchronized with the SIM card to complete the online payment process.

Step S200, when performing offline payment, perform offline transaction risk control and offline password verification on the SIM card. After passing the risk control and verification, the SIM card is verified based on the symmetric and asymmetric key system combined with the payment request. The account balance and transaction record in the SIM card are modified, the payment of the collection request is completed, and the SIM card data is synchronized to the background payment system corresponding to the collection request.

The SIM card-based payment solution of this embodiment is compatible with the traditional offline payment process and related POS terminals, and also supports adding offline transaction risk control and offline password verification to the original process. Therefore, when performing offline payment, this embodiment can perform offline transaction risk control and offline password verification on the SIM card. Specifically, it is determined according to the risk control parameters whether to execute the transaction, that is, whether to execute the payment request. Due to this implementation For example, during the transaction process, you can also choose whether to add a cryptographic verification process based on the risk control level. Specifically, you can perform offline cryptographic verification locally through the payment password ciphertext data saved in the SIM card and the SIM card's own encryption computing capability (based on pre-set settings). The saved verification data can also replace the password with fingerprints, face data, etc.), which solves the problem of traditional offline payment being unable to verify passwords. After passing the risk control and verification, since the modification of the account balance and transaction records based on the traditional symmetric and asymmetric key systems is supported, the account balance in the SIM card can be modified based on the symmetric and asymmetric key systems combined with the payment request. Modify the transaction record, complete the payment of the collection request, and synchronize the SIM card data to the backend payment system corresponding to the collection request. Because the account data is still based on the backend payment system data, users do not need to perform manual operations during use. Recharge, during each data synchronization process, the backend payment system will restore the account data and risk control parameters of the user's SIM card based on the fund balance or credit limit of the user's backend account. Among them, the strategy of synchronizing the SIM card data to the background payment system corresponding to the payment request can adopt a quasi-real-time update strategy, a daily update strategy, etc.

In one example, the payee initiates payment based on the payment POS terminal, and the payment POS terminal waits for the user to swipe the card. The user uses the NFC (Near Field Communication, short-range wireless communication technology) mobile terminal containing the SIM card to check the payment POS terminal. Swipe your card. The payment POS terminal reads the user's card information and performs security authentication on the card, including checking risk control parameters. Optionally, determine whether offline verification is needed based on the card's offline risk control parameters. If necessary, the user is prompted to enter the payment password. When the user enters the payment password, the payment POS terminal triggers the SIM card verification, and records the transaction data after passing the verification. , rewrite the local account balance. At the same time, the transaction record value is asynchronously uploaded to the backend payment system. The backend payment system completes the payment settlement and synchronizes the data to the SIM card to complete the offline payment process.

The multi-scenario payment method provided by the embodiments of this application can be used to verify the transaction of the payment order based on the real-time networking feature of the SIM card when making online payment, thereby avoiding the problem of being unable to make payment due to the inability to connect to the Internet. After the transaction verification is passed, Finally, based on the symmetric and asymmetric key system combined with the order to be paid, the account balance and transaction record in the SIM card are modified to complete the payment of the order to be paid, which can continue to support millisecond-level fast payment scenarios; When paying online, the SIM card was subject to offline transaction risk control and offline password verification. After completing the risk control and passing the verification, the account balance and transaction records in the SIM card were processed based on the symmetric and asymmetric key system combined with the payment request. Make modifications, complete the payment of the collection request, and synchronize the SIM card data to the preset background payment system, so that the account data in the SIM card can be based on the background payment system data, so users do not need to manually recharge during use. . Therefore, this application can effectively improve the versatility of the current payment system.

Figure 2 is the second schematic flowchart of the multi-scenario payment method provided by the embodiment of the present application. Referring to Figure 2, in one embodiment, before the step of verifying the transaction of the order to be paid based on the real-time networking feature of the SIM card, the step further includes:

Step A: After initiating the order to be paid based on any networking channel, notify the user to confirm the payment of the order to be paid based on the real-time networking feature of the SIM card, so as to execute the payment order based on the real-time networking feature of the SIM card. Transaction verification steps.

It should be noted that there is a new deduction mode in this embodiment. Specifically, before performing transaction verification on the order to be paid based on the real-time networking feature of the SIM card, the collection system can initiate a deduction request through any networking channel to form a payment order to be paid. After the order is placed, since the SIM card will be connected to the Internet for a long time as long as the mobile phone terminal is turned on normally, the user can be proactively notified to confirm the payment of the order to be paid based on the real-time networking feature of the SIM card and the BIP remote communication feature, so that the user can complete the payment order in a timely manner. Confirmation, at the same time, in this embodiment, the user's local human-machine consistency verification based on the SIM card can also be added, which can fully ensure transaction security while improving convenience. After the user completes the payment confirmation of the order to be paid, the user can execute the steps of transaction verification of the order to be paid based on the real-time networking feature of the SIM card. For specific implementation steps, please refer to the above step S100, which will not be described again here. This embodiment improves the convenience of online payment by proactively notifying users to perform real-time payment confirmation.

Figure 3 is the third schematic flowchart of the multi-scenario payment method provided by the embodiment of the present application. Referring to Figure 3, in one embodiment, the step of controlling offline transaction risk on the SIM card includes:

Step S2001, determine whether the time interval of the SIM card's latest data synchronization with the backend payment system is greater than the time interval threshold included in the SIM card's wind control parameters;

Step S2002: If the time interval of the SIM card's latest data synchronization with the backend payment system is greater than the time interval threshold included in the SIM card's risk control parameters, it is determined that the SIM card has failed the risk control and the SIM card is rejected. Collection request.

In this embodiment, since risk control parameters are stored in the SIM card, the POS terminal can obtain the time interval of the SIM card's latest data synchronization with the backend payment system, and compare this time interval with the time interval threshold included in the risk control parameters of the SIM card. Compare and determine whether the time interval of the SIM card's latest data synchronization with the backend payment system is greater than the time interval threshold included in the SIM card's wind control parameters, where the time interval threshold is the time value of the SIM card that is preset and stored.

After completing the comparison of the time interval between the SIM card's most recent data synchronization with the back-end payment system and the time interval threshold included in the SIM card's wind control parameters, if it is determined that the most recent time interval between the SIM card's data synchronization with the back-end payment system is greater than the SIM card If the time interval threshold included in the risk control parameters is used, it can be determined that the SIM card has failed the risk control, and the payment request will be refused to be executed. At the same time, a prompt message indicating that the payment request failed to be executed can be output.

Further, after the step of determining whether the time interval of the SIM card's latest data synchronization with the backend payment system is greater than the time interval threshold included in the SIM card's wind control parameters, the method further includes:

Step S2003, if the time interval of the SIM card's latest data synchronization with the backend payment system is less than or equal to the time interval threshold included in the SIM card's risk control parameters, it is determined that the SIM card has passed risk control, and all The above SIM card performs offline password verification.

After comparing the time interval between the SIM card's most recent data synchronization with the back-end payment system and the time interval threshold included in the SIM card's wind control parameters, if it is determined that the most recent time interval between the SIM card's data synchronization with the back-end payment system is less than or equal to If the SIM card risk control parameter includes a time interval threshold, it can be determined that the SIM card has passed the risk control, and the SIM card can be further offline password verified, so that after passing the verification, the SIM card can be verified based on the symmetric and asymmetric key system combined with the payment request. Modify the account balance and transaction records in the card, complete the payment of the collection request, and synchronize the SIM card data to the backend payment system corresponding to the collection request. In this embodiment, by comparing the time interval between the SIM card's most recent data synchronization with the backend payment system and the time interval threshold included in the SIM card's wind control parameters, it can be achieved that the time interval between the SIM card's most recent data synchronization with the backend payment system is greater than When the time interval threshold included in the SIM card risk control parameters is determined, the SIM card fails the risk control and the payment request is rejected, thereby improving the security of offline payments.

Figure 4 is the fourth schematic flowchart of the multi-scenario payment method provided by the embodiment of the present application. Referring to Figure 4, in one embodiment, the multi-scenario payment method further includes:

Step B: If a loss report request is received, the SIM card is locked for loss report.

Understandably, cards that traditionally support offline card swiping cannot be reported as lost, so the system cannot invalidate the card after the user loses it. A small number of bus cards that support reporting of loss are also based on the mechanism of issuing a blacklist to POS machines. All reported lost card numbers are sent to each POS terminal, and the blacklist needs to be retrieved every time a card is swiped. As long as the card key does not expire due to expiration, the blacklist will only increase and will have a significant impact on transaction processing. Big burden.

This embodiment can automatically report the loss of the SIM card based on the SIM card. Specifically, it includes: if the user actively initiates a loss report request after losing the SIM card, the multi-scenario payment system will directly communicate based on the BIP remote communication of the SIM card after receiving the loss report request. Ability to report loss and lock the SIM card. This embodiment can report loss and lock the SIM card, which can solve the problem that once the original offline consumption card is lost, the balance cannot be retrieved, and can minimize user losses.

Figure 5 is a schematic flow chart of the multi-scenario payment method provided by the embodiment of the present application. Referring to Figure 5, in one embodiment, the multi-scenario payment method further includes:

Step C1, detect whether the period during which the SIM card does not perform data synchronization reaches the maximum time period for controlling data synchronization in the risk control parameters;

Step C2, if the maximum time period for control data synchronization in the risk control parameters is reached and the SIM card has not completed data synchronization with the background payment system, after detecting that the SIM card is powered on and activated, the SIM card will be SIM card locked.

Understandably, since the risk control parameters are stored in the SIM card of this application, after the user loses the SIM card, he can report the loss of the communication function of the SIM card. In this way, the SIM card will be off-grid for a long time, and due to the risk control parameters of the SIM card Includes risk control items that control the maximum time period for data synchronization. Therefore, this embodiment can obtain the period in which the SIM card does not perform data synchronization, compare the period in which the SIM card does not perform data synchronization with the maximum time period for controlling data synchronization in the risk control parameters, and determine whether the period in which the SIM card does not perform data synchronization reaches The longest time period for synchronizing control data among risk control parameters. If it is determined through comparison that the period of data synchronization on the SIM card has reached the maximum time period for data synchronization in the risk control parameters, and the SIM card has not yet completed data synchronization with the background payment system, the SIM card can be activated after the SIM card is powered on. The card is automatically locked. Even if the background payment system cannot perform data communication with the original SIM card, as long as it is judged that it has exceeded the data synchronization period in the risk control parameters and has not synchronized data, the original SIM card data will be invalidated, and the user can continue to use it after updating the SIM card and completing the registration. . By automatically reporting the loss and locking the SIM card, this embodiment can solve the problem that once the original offline consumption card is lost, the balance cannot be retrieved, and can minimize user losses.

Figure 6 is a schematic flow chart of the multi-scenario payment method provided by the embodiment of the present application. Referring to Figure 6, in one embodiment, the multi-scenario payment method further includes:

Step D, if unconfirmed transaction records are detected, the unconfirmed transaction records are synchronously uploaded to the back-end payment system, so that the back-end payment system can initiate transaction reconciliation during the settlement process and conduct data processing with the SIM card. Synchronize.

Understandably, transaction error processing is mainly aimed at the offline transaction process. After the POS terminal sends a deduction instruction to the card, the card does not respond normally and returns data. In this way, the POS terminal cannot determine whether the card has been successfully deducted, and therefore directly determines whether the card has been successfully debited. transaction failed. The traditional processing model requires users to independently check the balance. If the balance has been deducted, a complaint will be initiated, and the acquirer's handlers will use special recharge equipment to complete the refund processing.

In this embodiment, the collection system can detect in real time whether there are unconfirmed transaction records. If it is detected that there are unconfirmed transaction records, the unconfirmed transaction records will be uploaded to the backend payment system simultaneously, and the backend payment system will perform the clearing and settlement process. Automatically initiate transaction reconciliation, and directly initiate data synchronization with the SIM card through the BIP remote communication capability of the SIM card. Users do not need to manually intervene, improving the convenience of payment.

Furthermore, this application also provides a multi-scenario payment device.

Referring to Figure 7, Figure 7 is a functional module schematic diagram of an embodiment of the multi-scenario payment device of the present application.

The multi-scenario payment device includes:

The first payment module 100 is used to perform transaction verification on the order to be paid based on the real-time networking characteristics of the SIM card when performing online payment, and to combine the order to be paid based on the symmetric and asymmetric key systems after the transaction verification is passed. Modify the account balance and transaction records in the SIM card and complete the payment of pending orders;

The second payment module 200 is used to perform offline transaction risk control and offline password verification on the SIM card when performing offline payment. After passing the risk control and verification, the payment is collected based on a combination of symmetric and asymmetric key systems. The payment request modifies the account balance and transaction record in the SIM card, completes the payment of the payment request, and synchronizes the data of the SIM card to the background payment system corresponding to the payment request.

Figure 8 illustrates a schematic diagram of the physical structure of an electronic device. As shown in Figure 8, the electronic device may include: a processor (processor) 810, a communication interface (Communication Interface) 820, a memory (memory) 830 and a communication bus 840. Among them, the processor 810, the communication interface 820, and the memory 830 complete communication with each other through the communication bus 840. The processor 810 can call the computer program in the memory 830 to perform the steps of the multi-scenario payment method, including, for example:

When making online payment, the transaction verification of the order to be paid is performed based on the real-time networking feature of the SIM card, and after the transaction verification is passed, the account in the SIM card is verified based on the symmetric and asymmetric key system combined with the order to be paid. Modify the balance and transaction records and complete the payment of pending orders;

When making offline payment, the SIM card is subjected to offline transaction risk control and offline password verification. After passing the risk control and verification, the SIM card is processed based on the symmetric and asymmetric key system combined with the payment request. Modify the account balance and transaction records, complete the payment of the payment request, and synchronize the SIM card data to the backend payment system corresponding to the payment request.

In addition, the above-mentioned logical instructions in the memory 830 can be implemented in the form of software functional units and can be stored in a computer-readable storage medium when sold or used as an independent product. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the existing technology or the part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium, including Several instructions are used to cause a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods described in various embodiments of this application. The aforementioned storage media include: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disk or optical disk and other media that can store program code. .

On the other hand, embodiments of the present application also provide a storage medium. The storage medium is a computer-readable storage medium. The computer-readable storage medium stores a computer program. The computer program is used to cause the processor to execute the above steps. The steps of the method provided by the embodiment include, for example:

When making online payment, the transaction verification of the order to be paid is performed based on the real-time networking feature of the SIM card, and after the transaction verification is passed, the account in the SIM card is verified based on the symmetric and asymmetric key system combined with the order to be paid. Modify the balance and transaction records and complete the payment of pending orders;

When making offline payment, the SIM card is subjected to offline transaction risk control and offline password verification. After passing the risk control and verification, the SIM card is processed based on the symmetric and asymmetric key system combined with the payment request. Modify the account balance and transaction records, complete the payment of the payment request, and synchronize the SIM card data to the backend payment system corresponding to the payment request.

The computer-readable storage medium may be any available medium or data storage device that can be accessed by the processor, including but not limited to magnetic storage (such as floppy disks, hard disks, tapes, magneto-optical disks (MO), etc.), optical storage (such as CDs) , DVD, BD, HVD, etc.), and semiconductor memories (such as ROM, EPROM, EEPROM, non-volatile memory (NANDFLASH), solid state drive (SSD)), etc.

The device embodiments described above are only illustrative. The units described as separate components may or may not be physically separated. The components shown as units may or may not be physical units, that is, they may be located in One location, or it can be distributed across multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment. Persons of ordinary skill in the art can understand and implement the method without any creative effort.

Through the above description of the embodiments, those skilled in the art can clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and of course, it can also be implemented by hardware. Based on this understanding, the part of the above technical solution that essentially contributes to the existing technology can be embodied in the form of a software product. The computer software product can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., including a number of instructions to cause a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in various embodiments or certain parts of the embodiments.

Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present application, but not to limit it; although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that it can still be Modifications are made to the technical solutions described in the foregoing embodiments, or equivalent substitutions are made to some of the technical features; however, these modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions in the embodiments of the present application.

Claims (10)

1. A multi-scenario payment method, characterized in that it is applied to a multi-scenario payment system, the multi-scenario payment system comprising a subscriber identity module SIM card, the SIM card having real-time networking characteristics and supporting modification of account balances and transaction records based on a symmetric and asymmetric key hierarchy, the multi-scenario payment method comprising:

when online payment is carried out, transaction verification is carried out on an order to be paid based on the real-time networking characteristic of the SIM card, account balance and transaction records in the SIM card are modified based on a symmetrical and asymmetrical key system in combination with the order to be paid after the transaction verification is passed, and payment of the order to be paid is completed;

and when offline payment is carried out, carrying out offline transaction risk control and offline password verification on the SIM card, modifying account balance and transaction records in the SIM card based on a symmetric and asymmetric key system in combination with a collection request after the risk control and the verification are passed, completing payment of the collection request, and synchronizing data of the SIM card to a background payment system corresponding to the collection request.

2. The multi-scenario payment method according to claim 1, further comprising:

and if the loss report request is received, carrying out loss report locking processing on the SIM card.

3. The multi-scenario payment method according to claim 1, wherein the SIM card includes a wind control parameter therein, the multi-scenario payment method further comprising:

detecting whether the period of the SIM card which does not perform data synchronization reaches the longest period of controlling data synchronization in the wind control parameters;

and if the longest period of control data synchronization in the wind control parameters is reached and the SIM card and the background payment system do not complete data synchronization, locking the SIM card after detecting that the SIM card is electrified and activated.

4. The multi-scenario payment method according to claim 1, further comprising:

if the unacknowledged transaction record is detected, the unacknowledged transaction record is synchronously uploaded to the background payment system, so that the background payment system initiates transaction reconciliation in the clearing and counting process, and data synchronization is carried out with the SIM card.

5. The multi-scenario payment method according to claim 1, wherein prior to the step of transaction verification of the order to be paid based on the real-time networking characteristics of the SIM card, further comprising:

after an order to be paid is initiated based on any networking channel, notifying a user of payment confirmation of the order to be paid based on the real-time networking characteristics of the SIM card, so as to execute the step of transaction verification of the order to be paid based on the real-time networking characteristics of the SIM card.

6. The multi-scenario payment method according to claim 1, wherein the step of performing offline transaction risk control on the SIM card comprises:

determining whether the time interval of the latest data synchronization of the SIM card and the background payment system is larger than a time interval threshold included by a wind control parameter in the SIM card;

and if the time interval of the latest data synchronization between the SIM card and the background payment system is larger than the time interval threshold included by the wind control parameter in the SIM card, determining that the SIM card does not pass through risk control, and rejecting the collection request.

7. The multi-scenario payment method of claim 6, wherein after the step of determining whether the time interval between the last data synchronization of the SIM card with the background payment system is greater than the time interval threshold included in the wind control parameter in the SIM card, further comprising:

and if the time interval of the latest data synchronization of the SIM card and the background payment system is smaller than or equal to the time interval threshold included by the air control parameter in the SIM card, determining that the SIM card passes through risk control, and performing offline password verification on the SIM card.

8. A multi-scenario payment device, characterized by being applied to a multi-scenario payment system comprising a subscriber identity module, SIM, card having real-time networking characteristics and supporting modification of account balances and transaction records based on a symmetric and asymmetric key hierarchy, the multi-scenario payment device comprising:

the first payment module is used for carrying out transaction verification on the order to be paid based on the real-time networking characteristic of the SIM card when online payment is carried out, and modifying account balance and transaction records in the SIM card based on the symmetrical and asymmetrical key system in combination with the order to be paid after the transaction verification is passed, so that payment of the order to be paid is completed;

and the second payment module is used for carrying out offline transaction risk control and offline password verification on the SIM card when offline payment is carried out, modifying account balance and transaction records in the SIM card based on a symmetric and asymmetric key system in combination with a collection request after the risk control and the verification are passed, completing payment of the collection request, and synchronizing data of the SIM card to a background payment system corresponding to the collection request.

9. An electronic device comprising a processor and a memory storing a computer program, characterized in that the processor implements the steps of the multi-scenario payment method of any one of claims 1 to 7 when the computer program is executed.

10. A computer storage medium, which is a computer readable storage medium comprising a computer program, characterized in that the computer program when executed by a processor implements the steps of the multi-scenario payment method of any one of claims 1 to 7.