User identity-based payment method and apparatus

A non-transitory computer-readable storage medium, configured to store computer-executable instructions, which when executed by a processor cause the processor to:

• obtain a payment request of a payment user that is sent by a merchant system, wherein the payment request carries an identity type corresponding to a payment channel for submitting the payment request;
• detect whether the payment user performs identity verification authorization for the identity type;
• if yes, verify whether user identity information obtained based on the identity verification authorization matches the identity type;
• and
• if the user identity information matches the identity type, determine a payment policy corresponding to the identity type in a merchant subscription configuration, and perform payment processing for the payment request based on the payment policy.

A computing device, comprising a memory and a processor, wherein the memory stores executable code, and when the processor executes the executable code, the computing device is caused to:

• obtain a payment request of a payment user that is sent by a merchant system, wherein the payment request carries an identity type corresponding to a payment channel for submitting the payment request;
• detect whether the payment user performs identity verification authorization for the identity type;
• if yes, verify whether user identity information obtained based on the identity verification authorization matches the identity type;
• and
• if the user identity information matches the identity type, determine a payment policy corresponding to the identity type in a merchant subscription configuration, and perform payment processing for the payment request based on the payment policy.