Abstract: A payment processing method comprises: receiving, by a transaction platform, a payment request, wherein the payment request indicates that a protocol payment is performed for a current payment using a third-party payment account; initiating, by the transaction platform, if the third-party payment account is determined as having a risk, a security verification request to a third-party payment service party, to trigger the third-party payment service party to execute a security verification for the current payment to generate a security verification result; obtaining, by the transaction platform, the security verification result from the third-party payment service party; and executing, by the transaction platform, a current payment process for the current payment according to the security verification result. The risk is reduced in the payment process by an identity verification of a third-party payment service to ensure payment security and improve payment experience.

Abstract: A payment processing method comprises: receiving, by a transaction platform, a payment request, wherein the payment request indicates that a protocol payment is performed for a current payment using a third-party payment account; initiating, by the transaction platform, if the third-party payment account is determined as having a risk, a security verification request to a third-party payment service party, to trigger the third-party payment service party to execute a security verification for the current payment to generate a security verification result; obtaining, by the transaction platform, the security verification result from the third-party payment service party; and executing, by the transaction platform, a current payment process for the current payment according to the security verification result. The risk is reduced in the payment process by an identity verification of a third-party payment service to ensure payment security and improve payment experience.

Abstract: A computer-implemented identity verification method includes: receiving, by a payment platform, a verification request including a request to verify a user identity associated with a bank card; generating a first code string; storing the first code string in association with a user identifier and with a card identifier of the bank card; sending a deduction request to a card issuer of the bank card, in which the deduction request includes a request to deduct a first amount from an account associated with the bank card, and in which the deduction request includes the first code string; receiving a second code string; verifying that the second code string is consistent with a corresponding part of the first code string; and based on verifying that the second code string is consistent with the corresponding part of the first code string, verifying the user identity associated with the bank card.