CN113706137B - Data processing method and system applied to payment information - Google Patents
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Abstract
The invention discloses a data processing method and a system applied to payment information, comprising the following steps: in response to receiving payment request information, encrypting the request information to obtain a ciphertext; decrypting the ciphertext to obtain a request type matched with the payment request information, and performing identity verification to obtain an identity verification result; responding to the identity verification, performing security verification on the ciphertext matched with the payment request information, and if the verification is passed, generating payment dynamic link information; acquiring payment correlation information, and generating target payment information based on the payment dynamic link information; and executing the payment information based on the payment type information, and recording a processing result to obtain payment recording information. The invention can automatically process the payment request information without manual operation of a teller, and can verify and record the information layer by layer, thereby solving the problems of high risk and human resource waste of the payment fund management of the teller in a network.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a data processing method and system applied to payment information.
Background
At present, life payment is usually completed through corresponding network points, and a plurality of manual processing steps are required in the payment process. Taking electric power payment as an example, when a user pays at an electric power network, a teller at the electric power network can collect the electric power fee of the user by collecting cash or swiping a bank card of the user. In the process, a user is required to carry cash or an entity bank card, a teller is required to perform manual operation, the problem of inconsistent payment of electric charges caused by manual misoperation and other modes is easy to occur, the follow-up process of subsequent payment information cannot be realized due to untimely information record, and the problems of high risk, high labor cost, poor information traceability and the like of payment fund management exist.
Disclosure of Invention
Aiming at the problems, the invention provides a data processing method and a data processing system applied to payment information, which solve the problems of high risk and human resource waste of the payment fund management of a website teller.
In order to achieve the purpose, the invention provides the following technical scheme:
a data processing method applied to payment information comprises the following steps:
in response to receiving payment request information, encrypting the request information to obtain a ciphertext matched with the payment request information;
decrypting the ciphertext to obtain a request type matched with the payment request information, and performing identity verification on the payment request information according to the request type to obtain an identity verification result;
in response to the identity verification result that the identity verification passes, performing security verification on the ciphertext matched with the payment request information, and if the verification passes, generating payment dynamic link information;
acquiring payment associated information, and generating target payment information based on the payment dynamic link information, wherein the target payment information comprises payment type information;
and responding to the payment information matched with the target payment information, executing the payment information based on the payment type information, and recording a processing result to obtain payment recording information.
Optionally, the encrypting the request information to obtain a ciphertext matched with the payment request information includes:
message assembly is carried out on the request information according to a target format to obtain an assembled message, wherein the target format is a format matched with the request type;
and encrypting the assembled message to obtain a ciphertext matched with the payment request information.
Optionally, the authenticating the payment request information according to the request type to obtain an authentication result includes:
performing identity information verification on the payment request information according to the request type to obtain a verification result, wherein the identity information verification at least comprises equipment information verification and data format verification;
and recording the verification result, and determining the recorded information as an identity verification result.
Optionally, the generating payment dynamic link information includes:
acquiring target object access information, wherein the target object is an object for generating the payment request information;
and determining timeliness information, and generating payment dynamic link information based on the target object access information and the timeliness information, wherein the payment dynamic link information is invalid when a time interval corresponding to the timeliness information is exceeded.
Optionally, the acquiring payment correlation information and generating target payment information based on the payment dynamic link information includes:
acquiring payment associated information, wherein the payment associated information at least comprises payment account information, payment numerical value information and payment mode information;
determining payment type information based on the payment correlation information;
and generating target payment information matched with the payment type information.
Optionally, the generating target payment information matched with the payment type information includes:
if the payment type information is a cash payment type, generating payment amount information and acceptable cash denomination information;
if the payment type information is the payment type of the bank card, generating payment amount information and bank card type information;
and if the payment type information is the on-line payment type, generating a payment graphic code, wherein the target object obtains payment amount information when scanning the payment graphic code.
Optionally, the executing processing the payment information based on the payment type information, and recording a processing result to obtain payment recording information includes:
if the payment type information is a cash payment type, verifying the payment information, if the payment information passes the verification, recording the payment information, and classifying and storing cash corresponding to the payment information according to the denomination;
if the payment type information is the payment type of the bank card, verifying the payment information, and if the verification is passed, recording the payment amount and the bank card type to obtain payment record information;
and if the payment type information is an on-line payment type, acquiring the payment information, calling a corresponding payment processing execution thread based on the graphic code type, processing and recording the payment information, and obtaining payment record information.
Optionally, the method further comprises:
acquiring record information of cash payment;
a cash submission request is generated based on the record information such that cash is submitted to a target institution based on the cash submission request and cash record information is updated.
Optionally, the recording the processing result to obtain the payment record information includes:
and binding the payment amount detail information corresponding to the processing result with the teller account to obtain payment record information.
A data processing system for use with payment information, comprising:
the first processing subsystem is used for responding to the received payment request information, encrypting the request information and obtaining a ciphertext matched with the payment request information;
the second processing subsystem is used for decrypting the ciphertext to obtain a request type matched with the payment request information, and performing identity verification on the payment request information according to the request type to obtain an identity verification result;
the verification subsystem is used for responding to the identity verification result that the verification is passed, performing safety verification on the ciphertext matched with the payment request information, and generating payment dynamic link information if the verification is passed;
the information generation subsystem is used for acquiring payment associated information and generating target payment information based on the payment dynamic link information, wherein the target payment information comprises payment type information;
and the third processing subsystem is used for responding to the acquisition of the payment information matched with the target payment information, executing the payment information based on the payment type information, and recording a processing result to obtain payment recording information.
Compared with the prior art, the invention provides a data processing method and a system applied to payment information, which comprises the following steps: in response to receiving payment request information, encrypting the request information to obtain a ciphertext; decrypting the ciphertext to obtain a request type matched with the payment request information, and performing identity verification to obtain an identity verification result; responding to the identity verification, performing security verification on the ciphertext matched with the payment request information, and if the verification is passed, generating payment dynamic link information; acquiring payment correlation information, and generating target payment information based on the payment dynamic link information; and executing the payment information based on the payment type information, and recording a processing result to obtain payment recording information. The invention can automatically process the payment request information without manual operation of a teller, and can verify and record the information layer by layer, thereby solving the problems of high risk and human resource waste of the payment fund management of the teller in a network.
Drawings
In order to more clearly illustrate the embodiments of the present invention 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 embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
Fig. 1 is a schematic flow chart of a data processing method applied to payment information according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of a data processing system applied to payment information according to an embodiment of the present invention;
fig. 3 is an information interaction diagram of electric charge payment data processing according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the 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 invention.
The terms "first" and "second," and the like in the description and claims of the present invention and the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "comprising" and "having," as well as any variations thereof, 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 set forth for a listed step or element but may include steps or elements not listed.
The embodiment of the invention provides a data processing method applied to payment information, which mainly aims at application scenes that payment network stations manually process various payment information through tellers.
Referring to fig. 1, a schematic flow chart of a data processing method applied to payment information according to an embodiment of the present invention is provided, where the method includes the following steps:
s101, in response to the fact that payment request information is received, the request information is encrypted, and a message matched with the payment request information is obtained.
The payment request information may be a payment request generated by a target object, where the target object includes a payment personal user or a payment unit. The target object may generate corresponding payment request information on a self-service payment terminal of a payment network, or generate corresponding payment request information based on a mobile terminal device of the target object, which is not limited in the present invention.
In the embodiment of the invention, the application type of the network payment is not limited, for example, the network payment method can be applied to the scene of electric charge payment, the scene of water charge payment, and the scene of gas charge payment or local area network charge payment. When the target object generates the corresponding payment request information, the corresponding payment application type is selected, for example, one or more of electric charge payment, water charge payment, gas charge payment and network charge payment is selected, the payment request information corresponding to the selected one is generated, and when the plurality of types are selected, the payment request information is processed one by one to generate the corresponding payment request information.
Because the data processing process in the embodiment of the invention is automatically processed, in order to ensure the safety of data transmission and interaction, the embodiment of the invention adopts an encryption processing mode for the transmitted data, specifically, after the request information generated by the target object is obtained, the message is assembled according to the target format to obtain the assembled message, and then the assembled message is encrypted to obtain the ciphertext matched with the payment request information. The target format is a format matched with the request type, different payment application types, or different subsequent processing subsystems possibly corresponding to different payment network points are different, so that corresponding request information needs to be processed with the corresponding format, and then encrypted and transmitted to the corresponding processing subsystem for processing. The encryption method in the embodiment of the present invention is not limited, and may be, for example, an encryption processing method of SM 4. For example, the message corresponding to the request information can be assembled in a Json message assembly format, the request type is mapped and matched with different execution functions in the corresponding processing subsystem dynamically through a network, and the request type has uniqueness.
S102, the ciphertext is decrypted to obtain a request type matched with the payment request information, and the payment request information is subjected to identity verification according to the request type to obtain an identity verification result.
After receiving the encrypted ciphertext, the processing subsystem decrypts the ciphertext, matches the type corresponding to the payment request information with the existing type to obtain the request type, and may have different authentication processing modes corresponding to different request types, if the request type is an individual request, may authenticate an individual account, identity identification information, and the like, and if the request type is a unit, may authenticate information such as unit identification information, request sender's authority, and the like. Correspondingly, verification can be performed based on the data format, the device information and the like corresponding to the request type.
In a possible implementation manner of the embodiment of the present invention, the performing identity verification on the payment request information according to the request type to obtain an identity verification result includes:
performing identity information verification on the payment request information according to the request type to obtain a verification result, wherein the identity information verification at least comprises equipment information verification and data format verification; and recording the verification result, and determining the recorded information as an identity verification result.
Specifically, the processing subsystem (such as the comprehensive payment front-end system) detects corresponding payment request information, decrypts the payment request information after receiving a ciphertext matched with the payment request information, matches the decrypted data with a request type (such as a specific transaction type), enters an execution process of a corresponding type to check the identity information after matching successfully, wherein the identity information check comprises equipment information, a data format and the like, registers the analyzed data information in a background database, and submits the received message ciphertext to a subsequent processing subsystem for further processing through a network after registering successfully, which is detailed in subsequent execution steps.
S103, responding to the fact that the identity verification result is that the verification is passed, conducting safety verification on the ciphertext matched with the payment request information, and if the verification is passed, generating payment dynamic link information.
And S104, acquiring payment correlation information, and generating target payment information based on the payment dynamic link information.
S105, responding to the payment information matched with the target payment information, executing and processing the payment information based on the payment type information, and recording a processing result to obtain payment recording information.
In the embodiment of the present invention, since data transmission and processing are automatically performed, it is necessary to ensure layer security of data transmission. After the data is subjected to identity verification, security verification is also performed, wherein the security verification mainly comprises the steps of performing corresponding black-and-white list verification on a network IP address, recording relevant information of an object which is not allowed to access or be processed in a black list, and recording relevant information of an object which is not required to be verified or is allowed to be directly processed in a white list. Specifically, the black-and-white list verification can be performed on the network IP address which initiates the request, so that malicious network attacks can be avoided to ensure the network security, and after the white list verification is performed, the message is decrypted by using the appointed secret key.
And then target object access information can be acquired, timeliness information is determined, and payment dynamic link information is generated based on the target object access information and the timeliness information, wherein when the time interval corresponding to the timeliness information is exceeded, the payment dynamic link information is invalid. The target object is an object for generating payment request information, such as a user person or a unit. The access information of the target object may include an access account, access identity information, etc. of the target object. In different payment application scenes, the determined aging information can be matched with corresponding scenes.
The generated payment dynamic link information may be a link including payment related information, such as a link including a payment amount or a payment selection manner, or a link accessing a corresponding payment receiving subsystem. Correspondingly, the front-end system can generate or enter a corresponding payment interface through the link, so that the target object can process the payment information based on the related information of the payment interface.
In a possible implementation manner, the target payment information may be generated based on the payment dynamic link information, and the target payment information includes payment type information, where the payment type information refers to a payment type determined by the target object, such as cash payment, bank card payment, on-line third party payment, and the like.
When the payment information matched with the target payment information is received, namely the payment information of the target object is acquired, corresponding processing is carried out on the payment information based on different types, for example, cash payment is carried out, a processing flow for verifying whether the payment denomination is matched with the amount of money to be paid is required to be called, and if on-line payment is carried out, a corresponding third-party flow is required to be called to complete a withholding processing flow. No matter what payment method is, after the payment is completed, the associated information needs to be recorded, wherein the associated information at least includes information about whether the payment is successful or not as a processing result, latest account information such as updating the account balance of the target object, and processing flow record information such as binding with the related teller information. After the information is recorded, corresponding payment record information can be obtained, and query and tracing of payment related information are facilitated.
The invention provides a data processing method applied to payment information, which comprises the following steps: in response to receiving payment request information, encrypting the request information to obtain a ciphertext; decrypting the ciphertext to obtain a request type matched with the payment request information, and performing identity verification to obtain an identity verification result; responding to the identity verification, performing security verification on the ciphertext matched with the payment request information, and if the verification is passed, generating payment dynamic link information; acquiring payment correlation information, and generating target payment information based on the payment dynamic link information; and executing the payment information based on the payment type information, and recording a processing result to obtain payment recording information. The invention can automatically process the payment request information without manual operation of a teller, and can verify and record the information layer by layer, thereby solving the problems of high risk and human resource waste of the payment fund management of the teller in a network.
In a possible implementation manner of the embodiment of the present invention, the acquiring payment related information and generating target payment information based on the payment dynamic link information includes:
acquiring payment associated information, wherein the payment associated information at least comprises payment account information, payment numerical value information and payment mode information;
determining payment type information based on the payment correlation information;
and generating target payment information matched with the payment type information.
In this implementation, generating the target payment information refers to generating payment information matched with the current target object, and therefore, information associated with the target object needs to be acquired, such as payment account information, payment value information, and payment mode information of the target object, which may be obtained by automatic query based on a related payment request of the target object, where the payment value information may include information to be paid, current account balance information, and the like. The payment mode information may include an available payment mode matched with the current application scenario. And then generating payment type information corresponding to the associated information, and acquiring target payment information.
Further, if the payment type information is a cash payment type, generating payment amount information and acceptable cash denomination information; if the payment type information is the payment type of the bank card, generating payment amount information and bank card type information; and if the payment type information is the on-line payment type, generating a payment graphic code, wherein the target object obtains payment amount information when scanning the payment graphic code.
Correspondingly, the executing process is performed on the payment information based on the payment type information, and the processing result is recorded to obtain the payment record information, which includes:
if the payment type information is a cash payment type, verifying the payment information, if the payment information passes the verification, recording the payment information, and classifying and storing cash corresponding to the payment information according to the denomination;
if the payment type information is the payment type of the bank card, verifying the payment information, and if the verification is passed, recording the payment amount and the bank card type to obtain payment record information;
and if the payment type information is an on-line payment type, acquiring the payment information, calling a corresponding payment processing execution thread based on the graphic code type, processing and recording the payment information, and obtaining payment record information.
In the embodiment of the invention, if the cash payment is carried out, the related cash payment record information can be acquired so as to know the cash flow condition of the current self-service terminal or the payment network, and then when the cash amount recorded in the cash payment record information reaches a certain condition, if the cash amount reaches the amount of the submitted amount, a cash submitting request can be automatically generated so as to submit the cash to a target mechanism based on the cash submitting request and update the cash record information. After the cash is successfully submitted to a target mechanism, the current cash amount information, the cash transfer time information and the like can be updated, and the cash quantity of different denominations and the like can be further updated.
In another embodiment, the payment amount detail information corresponding to the processing result may be bound with the teller account to obtain payment record information. So that efficient tracing of information can be achieved. The teller account number may be the account number of the teller in the current day, or the account number of the teller with certain authority.
The embodiment of the invention can realize that a user finishes the processing of payment service on digital equipment, meets the payment requirements of different types of payment modes, can trace the source of cash collected by a network point in the whole process and realize the automatic online collection of the cash, solves the problems of high capital management risk, human resource waste, high operation and management cost and the like of the network point, and simultaneously increases the intelligent experience effect of network point customers.
The embodiment of the present invention further provides a data processing system applied to payment information, referring to fig. 2, including:
the first processing subsystem 10 is configured to encrypt request information in response to receiving payment request information, and obtain a ciphertext matched with the payment request information;
the second processing subsystem 20 is configured to decrypt the ciphertext to obtain a request type matched with the payment request information, and perform identity verification on the payment request information according to the request type to obtain an identity verification result;
the verification subsystem 30 is used for responding to the identity verification result that the verification is passed, performing security verification on the ciphertext matched with the payment request information, and generating payment dynamic link information if the verification is passed;
the information generation subsystem 40 is configured to acquire payment correlation information and generate target payment information based on the payment dynamic link information, where the target payment information includes payment type information;
and the third processing subsystem 50 is used for responding to the acquisition of the payment information matched with the target payment information, executing the payment information based on the payment type information, and recording a processing result to obtain payment recording information.
The following describes a data processing system applied to payment information in the embodiment of the present invention with an application scenario of electric charge payment.
The first processing subsystem can be an intelligent comprehensive payment machine application system, such as a self-service terminal system; the second processing subsystem can be a comprehensive payment front-end system; the verification subsystem and the third processing subsystem may be implemented by an electric charge processing background system. The corresponding electric charge front-end system may be used to display related information with a target object, and it should be noted that the specific execution systems of the above subsystems are only examples of the embodiment of the present invention, and may also be other systems to complete the processing flow of one or more corresponding subsystems, which is not limited in this embodiment of the present invention.
Taking the above as an example, the comprehensive payment front-end system mainly completes functions of transfer of payment information of the teller customer, data collection, data control, data acquisition of information of mobile phones and equipment personnel, and the like. The electric charge processing background system has the main functions of processing payment information submitted by the intelligent comprehensive payment machine application system and completing the function of checking accounts and canceling accounts of the UnionPay system correspondingly. The electric charge front-end system is mainly used as a bridge and an entrance of the intelligent comprehensive payment machine application system connected with the electric charge processing background system, and functions of payment of electric charges and payment by swiping a card at a client side of the intelligent comprehensive payment machine application system are achieved.
Referring to fig. 3, an information interaction diagram for processing electric charge payment data according to an embodiment of the present invention is provided. In fig. 3, a user generates request information for paying electric charge, the request information for paying electric charge is sent to an application background system through an intelligent comprehensive payment machine application system, the application background system authenticates a login interface to an electric charge processing background system, the electric charge processing background system returns a one-time payment URL, the request information is returned to the intelligent comprehensive payment machine application system through the application background system, the intelligent comprehensive payment machine application system calls a payment H5 framework, an H5 framework calls an interface to obtain a list interface supporting payment, then arrearage inquiry is performed, the background interface is called to obtain arrearage inquiry information returned by the electric charge processing system, then a user number payment order-placing interface is called, the user pays after order placing is successful, and after payment is completed, the unified account platform completes modification of related order information. And finishing subsequent processing operation, such as account cancellation, by the electric charge processing background system. Correspondingly, the application background system can also generate a request for calling the unified account to the unified account platform, so that the unified account platform returns the authentication related information (Token) of the unified account.
Specifically, the intelligent comprehensive payment machine application system passes through an application background system in a POST request mode, and in order to ensure data safety, data transmission is performed with SM4 encryption. The Json message assembly format is a unified format agreed with the comprehensive payment front-end system, the request type is defined, the request type is dynamically mapped and matched with different execution functions in the comprehensive payment front-end system through a network, the request type has uniqueness, and different function execution can be carried out in the front-end system according to different request types. The message is encrypted by SM4, so that the whole communication process is ciphertext transmission, and data security is guaranteed.
The comprehensive payment front-end system decrypts the message after receiving the encrypted message, requests the data type to be matched, then conducts identity information verification on the request data, and finally submits the data ciphertext passing the verification to the electric charge processing background system, and the multiple identity verification and the state secret SM4 encryption guarantee the information network security. The comprehensive payment front-end system can monitor transaction requests from the intelligent comprehensive payment machine application system all the time, data decryption can be carried out when the transaction requests are received, transaction type matching is carried out on the decrypted data, identity information verification is carried out on corresponding types after the transaction types are successfully matched, the identity information verification comprises equipment information, data formats and the like, then the analyzed data information is registered in a background database, and after the registration is successful, a message ciphertext is submitted to the electric charge processing background system through a network.
After receiving the request, the electric charge processing background system firstly checks the black and white list of the network IP address initiating the request, thereby avoiding malicious network attack and ensuring the safety of the network, and after checking the white list, uses the appointed secret key to decrypt the SM4 state secret key of the message, and then checks the merchant number and the access number. And after the verification is passed, the payment entrance page is used, and the payment entrance link address is fed back to the comprehensive payment front-end system. The electric charge processing background system firstly performs access IP address check on all network access requests to perform black-and-white list identity authority check, only a network source IP from a white list can be allowed to access, SM4 reverse decryption is performed on data after network access is allowed, the data is analyzed after decryption, then identity washing check is performed on data information, a dynamic payment page link is generated according to information such as a merchant number and an access number after the check is passed, the transaction link is used as an entrance, the effective time is 5 minutes, the payment page link is automatically disabled and closed after 5 minutes, requests which do not access are allowed to continue to access, the access authorities need to be reapplied, and the whole transaction can be executed and completed after the requests which access to the payment link are accessed. The transaction page link will respond to the integrated front-end system via the internet network.
And the front-end system receives the feedback information and then feeds the feedback information back to the application system software of the intelligent comprehensive payment machine, and the payment link is loaded through the self-development browser based on the electron cross-platform framework to enter a front-end page corresponding to the electric charge front-end system. After receiving the response data, the comprehensive front-end system judges a response result, then responds the response result (containing dynamic payment page link data or wrong information) to the intelligent comprehensive payment machine application system software through an original message of the internet network, decrypts and analyzes the response result, and loads the payment page link on the browser to enter a payment page.
The page corresponding to the front end of the electric charge receives the information of the electric charge account number input by the user, acquires the information of the electric charge arrearage, and generates a corresponding graphic code such as a two-dimensional payment code after inputting the payment amount. It should be noted that the payment modes selected by the user are different, the generated image codes are also different, and the processing terminal corresponding to the image code is a third-party payment processing system. The user can complete payment by scanning the graphic code.
Further, on the basis of the data processing system applied to the payment information shown in fig. 2, the first processing subsystem is specifically configured to:
message assembly is carried out on the request information according to a target format to obtain an assembled message, wherein the target format is a format matched with the request type;
and encrypting the assembled message to obtain a ciphertext matched with the payment request information.
Further, the second processing subsystem comprises:
the identity verification subunit is used for verifying identity information of the payment request information according to the request type to obtain a verification result, wherein the identity information verification at least comprises equipment information verification and data format verification;
and the first recording subunit is used for recording the verification result and determining the recorded information as an authentication result.
Optionally, the verification subsystem comprises:
the link generation subunit is used for acquiring access information of a target object, wherein the target object is an object for generating the payment request information;
and determining timeliness information, and generating payment dynamic link information based on the target object access information and the timeliness information, wherein the payment dynamic link information is invalid when a time interval corresponding to the timeliness information is exceeded.
Further, the information generation subsystem includes:
the system comprises a first acquisition subunit, a second acquisition subunit and a payment processing subunit, wherein the first acquisition subunit is used for acquiring payment associated information, and the payment associated information at least comprises payment account information, payment numerical value information and payment mode information;
the first determining subunit is used for determining payment type information based on the payment correlation information;
and the generating subunit is used for generating target payment information matched with the payment type information.
Optionally, the generating subunit is specifically configured to:
if the payment type information is a cash payment type, generating payment amount information and acceptable cash denomination information;
if the payment type information is the payment type of the bank card, generating payment amount information and bank card type information;
and if the payment type information is the on-line payment type, generating a payment graphic code, wherein the target object obtains payment amount information when scanning the payment graphic code.
Correspondingly, the third processing subsystem is specifically configured to:
if the payment type information is a cash payment type, verifying the payment information, if the payment information passes the verification, recording the payment information, and classifying and storing cash corresponding to the payment information according to the denomination;
if the payment type information is the payment type of the bank card, verifying the payment information, and if the verification is passed, recording the payment amount and the bank card type to obtain payment record information;
and if the payment type information is an on-line payment type, acquiring the payment information, calling a corresponding payment processing execution thread based on the graphic code type, processing and recording the payment information, and obtaining payment record information.
In one embodiment, the system further comprises:
the information submitting unit is used for acquiring the record information of cash payment; a cash submission request is generated based on the record information such that cash is submitted to a target institution based on the cash submission request and cash record information is updated.
Optionally, the third processing subsystem includes a second recording subunit, and the second recording subunit is specifically configured to:
and binding the payment amount detail information corresponding to the processing result with the teller account to obtain payment record information.
The embodiment of the invention provides a data processing system applied to payment information, which comprises: in response to receiving payment request information, encrypting the request information to obtain a ciphertext; decrypting the ciphertext to obtain a request type matched with the payment request information, and performing identity verification to obtain an identity verification result; responding to the identity verification, performing security verification on the ciphertext matched with the payment request information, and if the verification is passed, generating payment dynamic link information; acquiring payment correlation information, and generating target payment information based on the payment dynamic link information; and executing the payment information based on the payment type information, and recording a processing result to obtain payment recording information. The invention can automatically process the payment request information without manual operation of a teller, and can verify and record the information layer by layer, thereby solving the problems of high risk and human resource waste of the payment fund management of the teller in a network.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (9)
1. A data processing method applied to payment information is characterized by comprising the following steps:
in response to receiving payment request information, encrypting the request information to obtain a ciphertext matched with the payment request information;
decrypting the ciphertext to obtain a request type matched with the payment request information, and performing identity verification on the payment request information according to the request type to obtain an identity verification result;
in response to the identity verification result that the identity verification passes, performing security verification on the ciphertext matched with the payment request information, and if the verification passes, generating payment dynamic link information;
acquiring payment associated information, and generating target payment information based on the payment dynamic link information, wherein the target payment information comprises payment type information;
in response to the fact that payment information matched with the target payment information is obtained, executing processing on the payment information based on the payment type information, and recording a processing result to obtain payment recording information;
wherein, the identity authentication of the payment request information according to the request type to obtain an identity authentication result comprises:
performing identity information verification on the payment request information according to the request type to obtain a verification result, wherein the identity information verification at least comprises equipment information verification and data format verification, and different request types are executed corresponding to different functions;
and recording the verification result, and determining the recorded information as an identity verification result.
2. The method of claim 1, wherein the encrypting the request message to obtain a ciphertext matching the payment request message comprises:
message assembly is carried out on the request information according to a target format to obtain an assembled message, wherein the target format is a format matched with the request type;
and encrypting the assembled message to obtain a ciphertext matched with the payment request information.
3. The method of claim 1, wherein the generating payment dynamic link information comprises:
acquiring target object access information, wherein the target object is an object for generating the payment request information;
and determining timeliness information, and generating payment dynamic link information based on the target object access information and the timeliness information, wherein the payment dynamic link information is invalid when a time interval corresponding to the timeliness information is exceeded.
4. The method of claim 1, wherein the obtaining payment correlation information and generating target payment information based on the payment dynamic link information comprises:
acquiring payment associated information, wherein the payment associated information at least comprises payment account information, payment numerical value information and payment mode information;
determining payment type information based on the payment correlation information;
and generating target payment information matched with the payment type information.
5. The method of claim 4, wherein the generating target payment information matching the payment type information comprises:
if the payment type information is a cash payment type, generating payment amount information and acceptable cash denomination information;
if the payment type information is the payment type of the bank card, generating payment amount information and bank card type information;
and if the payment type information is the on-line payment type, generating a payment graphic code, wherein the target object obtains payment amount information when scanning the payment graphic code.
6. The method according to claim 5, wherein the processing the payment information based on the payment type information and recording the processing result to obtain payment record information comprises:
if the payment type information is a cash payment type, verifying the payment information, if the payment information passes the verification, recording the payment information, and classifying and storing cash corresponding to the payment information according to the denomination;
if the payment type information is the payment type of the bank card, verifying the payment information, and if the verification is passed, recording the payment amount and the bank card type to obtain payment record information;
and if the payment type information is an on-line payment type, acquiring the payment information, calling a corresponding payment processing execution thread based on the graphic code type, processing and recording the payment information, and obtaining payment record information.
7. The method of claim 6, further comprising:
acquiring record information of cash payment;
a cash submission request is generated based on the record information such that cash is submitted to a target institution based on the cash submission request and cash record information is updated.
8. The method according to claim 1, wherein the recording the processing result to obtain the payment record information comprises:
and binding the payment amount detail information corresponding to the processing result with the teller account to obtain payment record information.
9. A data processing system applied to payment information is characterized by comprising:
the first processing subsystem is used for responding to the received payment request information, encrypting the request information and obtaining a ciphertext matched with the payment request information;
the second processing subsystem is used for decrypting the ciphertext to obtain a request type matched with the payment request information, and performing identity verification on the payment request information according to the request type to obtain an identity verification result; wherein, the identity authentication of the payment request information according to the request type to obtain an identity authentication result comprises: performing identity information verification on the payment request information according to the request type to obtain a verification result, wherein the identity information verification at least comprises equipment information verification and data format verification, and different request types are executed corresponding to different functions; recording the verification result, and determining the recorded information as an identity verification result;
the verification subsystem is used for responding to the identity verification result that the verification is passed, performing safety verification on the ciphertext matched with the payment request information, and generating payment dynamic link information if the verification is passed;
the information generation subsystem is used for acquiring payment associated information and generating target payment information based on the payment dynamic link information, wherein the target payment information comprises payment type information;
and the third processing subsystem is used for responding to the acquisition of the payment information matched with the target payment information, executing the payment information based on the payment type information, and recording a processing result to obtain payment recording information.
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