CN113450217A - Transaction request processing method and device, electronic equipment and storage medium - Google Patents
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Abstract
The embodiment of the application provides a transaction request processing method, a transaction request processing device, electronic equipment and a storage medium, wherein the method comprises the following steps: responding to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, and establishing a virtual account corresponding to the first account in the platform; analyzing the product transaction request in the access layer to obtain transaction request data; converting the transaction request data in the middle layer of the platform to obtain converted transaction request data; and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file. The embodiment of the application is beneficial to reducing the operation pressure of the bank and reducing the operation and maintenance cost.
Description
Technical Field
The present application relates to the field of data processing technologies, and in particular, to a transaction request processing method and apparatus, an electronic device, and a storage medium.
Background
With the development of computers, more and more users can acquire resources, such as data search, product transaction, life service and the like, through the internet. In the aspect of product transaction, a user can perform transaction of financial products through a financial platform, generally, the financial platform is usually provided by a financial institution such as a bank, and the financial products usually have a specific product (or service) provider, on one hand, the bank needs to maintain an original banking system, on the other hand, the bank also needs to maintain the financial platform and connect the financial product provider, so that the bank has to increase operation investment, and the operation and maintenance cost of the bank is increased virtually.
Disclosure of Invention
In view of the above problems, the present application provides a transaction request processing method, apparatus, electronic device and storage medium, which are beneficial to reducing the operation pressure of a bank and reducing the operation and maintenance cost.
In order to achieve the above object, a first aspect of embodiments of the present application provides a transaction request processing method, including:
responding to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, and establishing a virtual account corresponding to the first account in the platform;
analyzing the product transaction request in the access layer to obtain transaction request data;
converting the transaction request data in the middle layer of the platform to obtain converted transaction request data;
and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file.
With reference to the first aspect, in a possible implementation manner, the product transaction request includes a file request or a hypertext transfer protocol request, and the parsing the product transaction request in the access stratum to obtain transaction request data includes:
if the product transaction request is a file request, analyzing a transaction file corresponding to the file request according to a preset rule template to obtain transaction request data;
and if the product transaction request is a hypertext transfer protocol request, analyzing the hypertext transfer protocol request to obtain transaction request data.
With reference to the first aspect, in a possible implementation manner, before parsing the product transaction request in the access stratum to obtain transaction request data, the method further includes:
if the product transaction request is a file request, acquiring a transaction file from the address of the target server, and performing validity verification and integrity verification on the transaction file;
and if the product transaction request is a hypertext transfer protocol request, carrying out validity verification on the hypertext transfer protocol request, and executing bidirectional identity verification, wherein the bidirectional identity verification comprises verification on an application program identifier of a bank system, and the application program identifier is used for identifying different banks.
With reference to the first aspect, in one possible implementation, receiving, by an access layer, a transaction confirmation file according to the converted transaction request data includes:
the converted transaction request data are sent to a transaction system through a file transmission interface in the access layer, so that the transaction system executes order collection operation and submits the collected orders to a corresponding product provider system through a second account;
and receiving a transaction confirmation file returned by the product provider system through the file transmission interface.
With reference to the first aspect, in one possible implementation, the step of receiving a product transaction request includes:
responding to the trigger of an entrance aiming at the platform on a first operation interface of a target client, and displaying a second operation interface on the target client, wherein the target client is a bank client logged in with a first account;
and responding to the transaction submitting operation on the second operation interface, and acquiring a product transaction request through a request submitting interface in the access layer.
With reference to the first aspect, in a possible implementation manner, establishing, in a platform, a virtual account corresponding to a first account includes:
determining a corresponding user identifier of a first account in a bank system;
a virtual account is created based on the user identification through an account creation interface in the middle tier.
With reference to the first aspect, in one possible implementation, after creating the virtual account based on the user identification, the method further includes:
the virtual account and the first account are returned to the banking system such that the banking system synchronizes funds information in the funds account associated with the first account to the virtual account.
A second aspect of embodiments of the present application provides a transaction request processing apparatus, including:
the account creating module is used for responding to a product transaction request submitted by a first account in the bank system and received by an access layer of the platform, and establishing a virtual account corresponding to the first account in the platform;
the request analysis module is used for analyzing the product transaction request in the access layer to obtain transaction request data;
the data conversion module is used for converting the transaction request data in the middle layer of the platform to obtain the converted transaction request data;
and the transaction processing module is used for receiving the transaction confirmation file through the access layer according to the converted transaction request data and executing transaction processing aiming at the virtual account in response to the receipt of the transaction confirmation file.
A third aspect of embodiments of the present application provides an electronic device, which includes an input device, an output device, and a processor, and is adapted to implement one or more instructions; and a computer storage medium storing one or more instructions adapted to be loaded by the processor and to perform the steps of:
responding to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, and establishing a virtual account corresponding to the first account in the platform;
analyzing the product transaction request in the access layer to obtain transaction request data;
converting the transaction request data in the middle layer of the platform to obtain converted transaction request data;
and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file.
A fourth aspect of embodiments of the present application provides a computer storage medium having one or more instructions stored thereon, the one or more instructions adapted to be loaded by a processor and to perform the following steps:
responding to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, and establishing a virtual account corresponding to the first account in the platform;
analyzing the product transaction request in the access layer to obtain transaction request data;
converting the transaction request data in the middle layer of the platform to obtain converted transaction request data;
and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file.
The above scheme of the present application includes at least the following beneficial effects: compared with the prior art, the method and the device have the advantages that the virtual account corresponding to the first account is established in the platform in response to the product transaction request submitted by the first account in the bank system and received by the access layer of the platform; analyzing the product transaction request in the access layer to obtain transaction request data; converting the transaction request data in the middle layer of the platform to obtain converted transaction request data; and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file. Therefore, the whole processing flow of the transaction request is submitted to the third-party platform, the bank system can realize the processing of the transaction request only by simply butting with the third platform, the maintenance of the platform and the butting of the product provider are completed by the third party, the operation pressure of the bank is favorably reduced, and the operation and maintenance cost is reduced.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic diagram of an application environment provided in an embodiment of the present application;
fig. 2 is a schematic flow chart illustrating a transaction request processing method according to an embodiment of the present disclosure;
fig. 3 is a schematic view of an operation interface provided in an embodiment of the present application;
fig. 4 is a schematic diagram of functional modules of a banking system and a banking platform according to an embodiment of the present disclosure;
FIG. 5 is a schematic illustration of a fund transaction request process according to an embodiment of the present application;
FIG. 6 is a schematic illustration of another fund transaction request processing provided by an embodiment of the present application;
FIG. 7 is a schematic flow chart illustrating another transaction request processing method according to an embodiment of the present disclosure;
fig. 8 is a schematic structural diagram of a transaction request processing apparatus according to an embodiment of the present application;
fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The terms "comprising" and "having," and any variations thereof, as appearing in the specification, claims and drawings of this application, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus. Furthermore, the terms "first," "second," and "third," etc. are used to distinguish between different objects and are not used to describe a particular order.
The embodiment of the present application provides a transaction request processing method, which can be implemented based on an application environment shown in fig. 1, please refer to fig. 1, where the application environment includes a bank client 101, a bank server 102, a third-party platform server 103, and a product provider server 104, and each node is in communication connection. Wherein, the bank client performs the related operation of the financial product through the operation Interface of the bank client 101, the bank client 101 submits the transaction request to the bank server 102, the bank server 102 calls the open API (Application Programming Interface) of the third party platform to submit the transaction request to the third party platform server 103, the third party platform server 103 firstly establishes the virtual account for the bank client in the platform, the transaction request is then parsed, the transaction data converted, the converted transaction data sent to the product provider server 104, the product provider confirms the transaction data, and returning a transaction confirmation file to the third-party platform server 103 by the product provider server 104, executing a transaction for the virtual account by the third-party platform server 103 based on the transaction confirmation file, and synchronizing a transaction result to the bank client 101 by the bank server 102. Therefore, most of the processing of the whole transaction request is basically executed by the third-party platform server 103, the bank party only needs to complete the butt joint with the third-party platform through the open API provided by the third-party platform, and the maintenance of the platform and the maintenance of the product provider are completed by the third party, so that the operation pressure of the bank is reduced, and the operation and maintenance cost is reduced.
Based on the application environment shown in fig. 1, the transaction request processing method provided by the embodiment of the present application is described in detail below with reference to other drawings.
Referring to fig. 2, fig. 2 is a schematic flow chart of a transaction request processing method according to an embodiment of the present application, where the method is applied to an electronic device, as shown in fig. 2, and includes steps 201 and 204:
201: and in response to a product transaction request submitted by a first account in the banking system and received by an access layer of the platform, establishing a virtual account corresponding to the first account in the platform.
In this embodiment of the present Application, the platform refers to a transaction platform provided by a third party institution, that is, the platform is not maintained by a bank, the platform may be a financial platform provided by the third party institution, and the platform provides a set of APIs to the bank in an open API (Application Programming Interface) manner, such as: the bank system is connected with the platform through an open API provided by a calling platform, and bank customers, transactions, payments and assets in different bank channels are distinguished according to different bank channels. In addition, bank operators can access the platform operation background to distribute account operation authority with the platform operators.
The first account is a bank customer account authenticated by a real name system in the bank system, a customer corresponding to the first account selects a financial product through an entrance provided by the bank system, and the bank system calls a request submitting API provided by the platform to submit a product transaction request to the platform.
Illustratively, the step of receiving a product transaction request includes:
responding to the trigger of an entrance aiming at the platform on a first operation interface of a target client, and displaying a second operation interface on the target client, wherein the target client is a bank client logged in with a first account;
and responding to the transaction submitting operation on the second operation interface, and acquiring a product transaction request through a request submitting interface in the access layer.
The second operation interface is a front-end interface of the platform, the display of the second operation interface can be realized by skipping or embedding in the first operation interface, and the second operation interface can be an H5(html5, hypertext 5.0) page, as shown in fig. 3, and is used for presenting a product list, a product order page, a product ordering process, an order/asset/taking position and the like to a bank customer. For example, a bank customer logs in a bank client by using a first account, jumps to a second operation interface by triggering a financial management entry on a first operation interface of the bank client, or displays the second operation interface in a certain area of the first operation interface, and the bank customer selects a product on the second operation interface and submits a transaction order for the product.
Illustratively, establishing a virtual account corresponding to the first account in the platform includes:
determining a corresponding user identifier of a first account in a bank system;
a virtual account is created based on the user identification through an account creation interface in the middle tier.
For example, if the user identifier of the first account in the banking system is a, a virtual account is created for the banking customer with the user identifier of a according to the account system of the platform through the account creation API.
Further, after creating the virtual account based on the user identification, the method further comprises:
returning the virtual account and the first account to the banking system to enable the banking system to synchronize fund information in a fund account associated with the first account to the virtual account.
As shown in fig. 4, the banking system is generally provided with real-name system registration account management and asset management, and the platform is provided with transaction account management, product management, transaction management, liquidation management, reconciliation management, and the like. The bank client registers through registration account opening management to generate a first account, the bank client submits a transaction request to the platform through a second operation interface, the platform can establish a virtual account through the transaction account management and execute transaction operation through the transaction management, the platform synchronizes the transaction process to the second operation interface, clearing management can carry out payment/collection of financial product transaction with bank asset management, and meanwhile, the platform collects the transaction at preset time, is in butt joint with a product provider and finishes payment settlement with the product provider.
The virtual account is not used for logging in a platform, is only used for transaction in the platform and serves as a conversion layer of bank customers and fund/stock exchange users, personal data of the bank customers do not need to be recorded under the virtual account, only basic information such as assets and funds exists in the platform, the transaction in the platform is realized aiming at each virtual account, the physical account of the bank customer is not used, and a calling party (namely a bank system) of the platform does not need to transmit the personal data of the bank customer during transaction and only needs to transmit transaction information. It should be understood that bank customers all have a funds account associated with their real-name account (i.e., the first account) that is used to deposit funds for the product transaction. In the embodiment, the virtual account is only used for recording information such as funds and the like, and personal data of a bank client is not required to be recorded, the private information of the client is still stored in the bank without being shared to a platform, and the security of the privacy of the client is ensured.
The platform provides services such as transaction account management, product management, transaction management, clearing management, reconciliation management and the like for each virtual account and transaction user such as fund/stock and the like.
202: and analyzing the product transaction request in the access layer to obtain transaction request data.
In the embodiment of the application, the access layer mainly performs operations such as file/request transmission, signature verification decryption, user authentication and the like through some open APIs, and the product transaction request may be a file request or an HTTP (HyperText Transfer Protocol) request.
Illustratively, before parsing the product transaction request in the access stratum to obtain transaction request data, the method further comprises:
if the product transaction request is a file request, acquiring a transaction file from the address of the target server, and performing validity verification and integrity verification on the transaction file;
if the product transaction request is a hypertext transfer protocol request, performing validity verification on the hypertext transfer protocol request, and performing bidirectional authentication, wherein the bidirectional authentication includes verifying an application program identifier of a banking system, the application program identifier is used for identifying different banks, and the bidirectional authentication can be implemented by using an SHA256+ RSA2048 algorithm.
The target server address is an SFTP (Secure File Transfer Protocol) server address pre-configured in the platform by the bank system, the request submission API can pull the transaction File from the target SFTP server address, and the SFTP server addresses pre-configured in the platform are different for different bank channels, wherein the transaction File can be a document File of a product. The information such as the key used for the validity verification and the integrity verification is preset in the platform by the administrator according to the agreement with the bank system, namely, different keys exist in different bank channels.
Illustratively, parsing the product transaction request in the access stratum to obtain transaction request data includes:
if the product transaction request is a file request, analyzing a transaction file corresponding to the file request according to a preset rule template to obtain transaction request data;
and if the product transaction request is a hypertext transfer protocol request, analyzing the hypertext transfer protocol request to obtain transaction request data.
Specifically, if the bank channels are different, different rule templates are set in the platform, for example, if the app _ id of the currently identified bank system is 001, the rule template of 001 is used to read the transaction file, so as to complete the analysis of the transaction file, and obtain the transaction request data. It should be understood that in the case of an HTTP request, the transaction request data is directly parsed from the request, for example, the transaction request data may be the number of products to be transacted, and the like.
203: and converting the transaction request data in the middle layer of the platform to obtain the converted transaction request data.
In the embodiment of the present application, for the parsed transaction request data, the data is normalized according to the interface specification and the data structure of the transaction system, for example, the data may be implemented by a conversion API in the middle layer.
204: and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file.
In an embodiment of the present application, receiving, by an access layer, a transaction confirmation file according to the converted transaction request data includes:
the converted transaction request data are sent to a transaction system through a file transmission interface in the access layer, so that the transaction system executes order collection operation and submits the collected orders to a corresponding product provider system through a second account;
and receiving a transaction confirmation file returned by the product provider system through the file transmission interface.
The second account refers to an account registered by a third party organization at a product provider, and for example, referring to fig. 5, a bank customer submits a transaction request through a first operation interface and a second operation interface, after the platform sends the fund transaction request data (purchase applying data) after the standardization processing to the transaction system, the transaction system confirms funds through fund management of the bank system, that is, whether a bank customer corresponding to the first account has sufficient funds to execute the transaction. And the transaction system executes order collection operation at preset time (such as market receiving time), namely, collecting each order as a large order according to the product provider, then initiating payment to the bank system, and after confirming the payment of the bank customer, carrying out fund transfer by fund management of the bank system, wherein the fund transfer time can be T +1 or later according to the time requirement of fund settlement of the product provider. The trading system executes fund collection operation, and sends the collected orders to a corresponding product provider system in the form of purchase requisition orders, for example, the orders of the fund are sent to the fund requisition system; and sending the order of the purchase fund platform allfunds to the system of the fund. The transaction system executes transaction settlement operation, funds are transferred to a product provider through a fund account associated with a second account, the product provider uploads files such as share confirmation, bonus and the like to a target FTP (File Transfer Protocol) server address, and the platform acquires the confirmation files from the target FTP server address through a File Transfer API (application program interface) of an access layer, wherein the target FTP server address is an FTP server address which is configured in the platform by the product provider in advance.
And under the condition that the confirmation file is obtained, the platform executes transaction processing, such as warehouse separation, asset and fund processing, and transfers the fund share of the purchase to the asset of the virtual account. Meanwhile, the platform synchronizes the assets added in the virtual account to the bank system in a file form through the FTP, and displays the share purchased by the bank customer on a second operation interface.
Taking the sale of funds as an example, referring to fig. 6, after the normalized fund transaction request data (redemption data) is sent to the trading system, the trading system performs an order aggregation operation at a preset time (such as time to market), and transmitting the collected orders to a corresponding product provider system in the form of a redemption order, the product provider system returning a redemption confirmation file, the platform acquiring the redemption confirmation file from the target FTP server address through a file transfer API, transaction processing, such as funds accounting and clearing operations, is then performed, on the one hand, funds returned by the product provider (redeemed funds) are transferred to the funds management of the banking system via the funds account associated with the second account, accounting operations are performed by the banking system, in addition, a client interface provided by the bank system can be called by the platform open API, and the platform open API executes the account splitting operation aiming at each bank client; on the other hand, the platform updates shares held by the bank client through an open API in the access layer and displays the shares on a second operation interface.
It can be seen that, in the embodiment of the application, in response to a product transaction request submitted by a first account in a banking system, received by an access layer of a platform, a virtual account corresponding to the first account is established in the platform; analyzing the product transaction request in the access layer to obtain transaction request data; converting the transaction request data in the middle layer of the platform to obtain converted transaction request data; and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file. Therefore, the whole processing flow of the transaction request is submitted to the third-party platform, the bank system can realize the processing of the transaction request only by simply butting with the third platform, the maintenance of the platform and the butting of the product provider are completed by the third party, the operation pressure of the bank is favorably reduced, and the operation and maintenance cost is reduced. In addition, the transaction request is processed by the bank and a third party in a butt joint mode without a bank client, and the transaction request is processed based on a virtual account, so that personal data of the client can be protected, cross-platform non-perception is achieved, and user experience of the bank and the bank client can be improved.
Referring to fig. 7, fig. 7 is a flowchart illustrating another transaction request processing method provided in the embodiment of the present application, which can also be implemented based on the application environment shown in fig. 1, as shown in fig. 7, including steps 701 and 705:
701: responding to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, and establishing a virtual account corresponding to the first account in the platform, wherein the product transaction request comprises a file request or a hypertext transfer protocol request;
702: if the product transaction request is a file request, analyzing a transaction file corresponding to the file request according to a preset rule template to obtain transaction request data;
703: if the product transaction request is a hypertext transfer protocol request, analyzing the hypertext transfer protocol request to obtain transaction request data;
704: converting the transaction request data in the middle layer of the platform to obtain converted transaction request data;
705: and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file.
The specific implementation of steps 701-705 has been described in the embodiment shown in fig. 2, and can achieve the same or similar beneficial effects, and in order to avoid repetition, the detailed description is omitted here.
Based on the description of the above transaction request processing method embodiment, please refer to fig. 8, fig. 8 is a schematic structural diagram of a transaction request processing apparatus provided in the embodiment of the present application, and as shown in fig. 8, the apparatus includes:
an account creating module 801, configured to, in response to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, create a virtual account corresponding to the first account in the platform;
a request analysis module 802, configured to analyze a product transaction request in an access layer to obtain transaction request data;
a data conversion module 803, configured to convert the transaction request data in an intermediate layer of the platform to obtain converted transaction request data;
and the transaction processing module 804 is configured to receive the transaction confirmation file through the access layer according to the converted transaction request data, and execute transaction processing for the virtual account in response to receiving the transaction confirmation file.
In a possible implementation manner, in terms of analyzing the product transaction request in the access stratum to obtain transaction request data, the request analyzing module 802 is specifically configured to:
if the product transaction request is a file request, analyzing a transaction file corresponding to the file request according to a preset rule template to obtain transaction request data;
and if the product transaction request is a hypertext transfer protocol request, analyzing the hypertext transfer protocol request to obtain transaction request data.
In one possible implementation, the request parsing module 802 is further configured to:
if the product transaction request is a file request, acquiring a transaction file from the address of the target server, and performing validity verification and integrity verification on the transaction file;
and if the product transaction request is a hypertext transfer protocol request, carrying out validity verification on the hypertext transfer protocol request, and executing bidirectional identity verification, wherein the bidirectional identity verification comprises verification on an application program identifier of a bank system, and the application program identifier is used for identifying different banks.
In one possible implementation, in receiving the transaction confirmation file through the access stratum according to the converted transaction request data, the transaction processing module 804 is specifically configured to:
the converted transaction request data are sent to a transaction system through a file transmission interface in the access layer, so that the transaction system executes order collection operation and submits the collected orders to a corresponding product provider system through a second account;
and receiving a transaction confirmation file returned by the product provider system through the file transmission interface.
In one possible implementation, in terms of receipt of a product transaction request, the account creation module 801 is specifically configured to:
responding to the trigger of an entrance aiming at the platform on a first operation interface of a target client, and displaying a second operation interface on the target client, wherein the target client is a bank client logged in with a first account;
and responding to the transaction submitting operation on the second operation interface, and acquiring a product transaction request through a request submitting interface in the access layer.
In a possible implementation manner, in establishing a virtual account corresponding to the first account in the platform, the account creating module 801 is specifically configured to:
determining a corresponding user identifier of a first account in a bank system;
a virtual account is created based on the user identification through an account creation interface in the middle tier.
According to an embodiment of the present application, the units of the transaction request processing apparatus shown in fig. 8 may be respectively or entirely combined into one or several other units to form the transaction request processing apparatus, or some unit(s) thereof may be further split into multiple functionally smaller units to form the transaction request processing apparatus, which may achieve the same operation without affecting the achievement of the technical effect of the embodiment of the present application. The units are divided based on logic functions, and in practical application, the functions of one unit can be realized by a plurality of units, or the functions of a plurality of units can be realized by one unit. In other embodiments of the present application, the transaction request processing device may also include other units, and in practical applications, these functions may also be implemented by the assistance of other units, and may be implemented by cooperation of multiple units.
According to another embodiment of the present application, the transaction request processing apparatus device shown in fig. 8 may be constructed by running a computer program (including program codes) capable of executing the steps involved in the corresponding method shown in fig. 2 or fig. 7 on a general-purpose computing device such as a computer including a Central Processing Unit (CPU), a random access storage medium (RAM), a read-only storage medium (ROM), and the like as well as a storage element, and the transaction request processing method of the embodiment of the present application may be implemented. The computer program may be recorded on a computer-readable recording medium, for example, and loaded and executed in the above-described computing apparatus via the computer-readable recording medium.
Based on the description of the method embodiment and the device embodiment, the embodiment of the application further provides an electronic device. Referring to fig. 9, the electronic device includes at least a processor 901, an input device 902, an output device 903, and a computer storage medium 904. The processor 901, the input device 902, the output device 903, and the computer storage medium 904 within the electronic device may be connected by a bus or other means.
A computer storage medium 904 may be stored in the memory of the electronic device, the computer storage medium 904 being used for storing a computer program comprising program instructions, the processor 901 being used for executing the program instructions stored by the computer storage medium 904. The processor 901 (or CPU) is a computing core and a control core of the electronic device, and is adapted to implement one or more instructions, and in particular, is adapted to load and execute the one or more instructions so as to implement a corresponding method flow or a corresponding function.
In one embodiment, the processor 901 of the electronic device provided by the embodiment of the present application may be configured to perform a series of transaction request processes:
responding to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, and establishing a virtual account corresponding to the first account in the platform;
analyzing the product transaction request in the access layer to obtain transaction request data;
converting the transaction request data in the middle layer of the platform to obtain converted transaction request data;
and receiving the transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file.
In yet another embodiment, the product transaction request comprises a file request or a hypertext transfer protocol request,
if the product transaction request is a file request, analyzing a transaction file corresponding to the file request according to a preset rule template to obtain transaction request data;
and if the product transaction request is a hypertext transfer protocol request, analyzing the hypertext transfer protocol request to obtain transaction request data.
In another embodiment, before parsing the product transaction request in the access stratum to obtain the transaction request data, the processor 901 is further configured to:
if the product transaction request is a file request, acquiring a transaction file from the address of the target server, and performing validity verification and integrity verification on the transaction file;
and if the product transaction request is a hypertext transfer protocol request, carrying out validity verification on the hypertext transfer protocol request, and executing bidirectional identity verification, wherein the bidirectional identity verification comprises verification on an application program identifier of a bank system, and the application program identifier is used for identifying different banks.
In another embodiment, the processor 901 performs the receiving of the transaction confirmation file through the access layer according to the converted transaction request data, including:
the converted transaction request data are sent to a transaction system through a file transmission interface in the access layer, so that the transaction system executes order collection operation and submits the collected orders to a corresponding product provider system through a second account;
and receiving a transaction confirmation file returned by the product provider system through the file transmission interface.
In yet another embodiment, the processor 901 performs the step of receiving a product transaction request, comprising:
responding to the trigger of an entrance aiming at the platform on a first operation interface of a target client, and displaying a second operation interface on the target client, wherein the target client is a bank client logged in with a first account;
and responding to the transaction submitting operation on the second operation interface, and acquiring a product transaction request through a request submitting interface in the access layer.
In another embodiment, the processor 901 performs the establishing of the virtual account corresponding to the first account in the platform, including:
determining a corresponding user identifier of a first account in a bank system;
a virtual account is created based on the user identification through an account creation interface in the middle tier.
For example, the electronic device may be an independent physical server, a server cluster or a distributed system, or a cloud server that provides basic cloud computing services such as cloud services, a cloud database, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, and big data and artificial intelligence platforms. Electronic devices include, but are not limited to, a processor 901, an input device 902, an output device 903, and a computer storage medium 904. And the system also comprises a memory, a power supply, an application client module and the like. The input device 902 may be a keyboard, touch screen, radio frequency receiver, etc., and the output device 903 may be a speaker, display, radio frequency transmitter, etc. It will be appreciated by those skilled in the art that the schematic diagrams are merely examples of an electronic device and are not limiting of an electronic device and may include more or fewer components than those shown, or some components in combination, or different components.
It should be noted that, since the processor 901 of the electronic device executes the computer program to implement the steps in the transaction request processing method, the embodiments of the transaction request processing method are all applicable to the electronic device, and all can achieve the same or similar beneficial effects.
An embodiment of the present application further provides a computer storage medium (Memory), which is a Memory device in an electronic device and is used to store programs and data. It is understood that the computer storage medium herein may include a built-in storage medium in the terminal, and may also include an extended storage medium supported by the terminal. The computer storage medium provides a storage space that stores an operating system of the terminal. Also stored in this memory space are one or more instructions, which may be one or more computer programs (including program code), suitable for loading and execution by processor 901. The computer storage medium may be a high-speed RAM memory, or may be a non-volatile memory (non-volatile memory), such as at least one disk memory; alternatively, it may be at least one computer storage medium located remotely from the processor 901. In one embodiment, one or more instructions stored in a computer storage medium may be loaded and executed by processor 901 to perform the corresponding steps described above with respect to the transaction request processing method.
Illustratively, the computer program of the computer storage medium includes computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, and the like. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like.
It should be noted that, since the computer program of the computer storage medium implements the steps of the transaction request processing method when executed by the processor, all the embodiments of the transaction request processing method are applicable to the computer storage medium, and can achieve the same or similar beneficial effects.
The foregoing detailed description of the embodiments of the present application has been presented to illustrate the principles and implementations of the present application, and the above description of the embodiments is only provided to help understand the method and the core concept of the present application; meanwhile, for a person skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.
Claims (10)
1. A transaction request processing method, the method comprising:
responding to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, and establishing a virtual account corresponding to the first account in the platform;
analyzing the product transaction request in the access layer to obtain transaction request data;
converting the transaction request data in the middle layer of the platform to obtain the converted transaction request data;
receiving a transaction confirmation file through the access layer according to the converted transaction request data, and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file.
2. The method of claim 1, wherein the product transaction request comprises a file request or a hypertext transfer protocol request, and wherein parsing the product transaction request in the access stratum to obtain transaction request data comprises:
if the product transaction request is the file request, analyzing a transaction file corresponding to the file request according to a preset rule template to obtain transaction request data;
and if the product transaction request is the hypertext transfer protocol request, analyzing the hypertext transfer protocol request to obtain transaction request data.
3. The method of claim 2, wherein prior to parsing the product transaction request in the access stratum to obtain transaction request data, the method further comprises:
if the product transaction request is the file request, acquiring the transaction file from a target server address, and performing validity verification and integrity verification on the transaction file;
and if the product transaction request is the hypertext transfer protocol request, carrying out validity verification on the hypertext transfer protocol request, and executing bidirectional identity verification, wherein the bidirectional identity verification comprises verification on an application program identifier of the bank system, and the application program identifier is used for identifying different banks.
4. A method according to any of claims 1-3, wherein said receiving a transaction confirmation file by said access layer based on said converted transaction request data comprises:
the converted transaction request data are sent to a transaction system through a file transmission interface in the access layer, so that the transaction system executes order collection operation and submits the collected orders to a corresponding product provider system through a second account;
and receiving the transaction confirmation file returned by the product provider system through the file transmission interface.
5. A method according to any of claims 1-3, wherein the step of receiving a product transaction request comprises:
responding to the trigger of an entrance aiming at the platform on a first operation interface of a target client, and displaying a second operation interface on the target client, wherein the target client is a bank client logged in with the first account;
and responding to the transaction submitting operation on the second operation interface, and acquiring the product transaction request through a request submitting interface in the access layer.
6. The method according to any one of claims 1-3, wherein the establishing a virtual account corresponding to the first account in the platform comprises:
determining a user identifier corresponding to the first account in the banking system;
creating, by an account creation interface in the middle tier, the virtual account based on the user identification.
7. A transaction request processing apparatus, characterized in that the apparatus comprises:
the account creating module is used for responding to a product transaction request submitted by a first account in a banking system and received by an access layer of a platform, and establishing a virtual account corresponding to the first account in the platform;
the request analysis module is used for analyzing the product transaction request in the access layer to obtain transaction request data;
the data conversion module is used for converting the transaction request data in the middle layer of the platform to obtain the converted transaction request data;
and the transaction processing module is used for receiving a transaction confirmation file through the access layer according to the converted transaction request data and executing transaction processing aiming at the virtual account in response to receiving the transaction confirmation file.
8. The apparatus of claim 7, wherein the product transaction request comprises a file request or a hypertext transfer protocol request, and the request parsing module is specifically configured to, in the access stratum, parse the product transaction request to obtain transaction request data:
if the product transaction request is the file request, analyzing a transaction file corresponding to the file request according to a preset rule template to obtain transaction request data;
and if the product transaction request is the hypertext transfer protocol request, analyzing the hypertext transfer protocol request to obtain transaction request data.
9. An electronic device comprising an input device and an output device, further comprising:
a processor adapted to implement one or more instructions; and the number of the first and second groups,
a computer storage medium having stored thereon one or more instructions adapted to be loaded by the processor and to perform the method of any of claims 1-6.
10. A computer storage medium having stored thereon one or more instructions adapted to be loaded by a processor and to perform the method of any of claims 1-6.
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