CN106557980B - Fund financing method and device based on SDK - Google Patents
Fund financing method and device based on SDK Download PDFInfo
- Publication number
- CN106557980B CN106557980B CN201611106537.1A CN201611106537A CN106557980B CN 106557980 B CN106557980 B CN 106557980B CN 201611106537 A CN201611106537 A CN 201611106537A CN 106557980 B CN106557980 B CN 106557980B
- Authority
- CN
- China
- Prior art keywords
- application
- account
- sdk
- account password
- password
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F8/00—Arrangements for software engineering
- G06F8/30—Creation or generation of source code
- G06F8/31—Programming languages or programming paradigms
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Software Systems (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Development Economics (AREA)
- Finance (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- General Business, Economics & Management (AREA)
- Entrepreneurship & Innovation (AREA)
- Operations Research (AREA)
- Computing Systems (AREA)
- Human Resources & Organizations (AREA)
- Game Theory and Decision Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a fund financing method and a device based on SDK, wherein the method comprises the following steps: the method comprises the steps that a first application receives a transaction request through an interface provided by a second application to execute financial product transaction operation in a first application account, wherein the interface is established by the second application according to a Software Development Kit (SDK) of the first application; after the financial product transaction operation is completed, acquiring an encrypted account password corresponding to the financial product transaction operation for payment in the second application account; and sending the account password to the second application for the second application to verify the correctness of the account password, and executing fund payment operation by the second application when the second application determines that the account password is correct. The invention realizes the combination of the bank with internet financial capacity and mobile internet marketing capacity and the regional operation capacity of the medium and small commercial banks, reduces the service cost of the general finance, ensures that the medium and small commercial banks have the service capacity of the mobile internet finance, and provides higher-quality financial service.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a fund financing method and device based on an SDK.
Background
In the context of the mobile internet, more and more users are moving to mobile terminals to use financial services. Therefore, the numerous internet financial platforms have great impact on the bank which depends on the network operation regionally through no regional limitation, abundant products and higher income. Banks with strong technical strength are also built with own direct sales banks, and impact regional banks through good credit and abundant products. Therefore, how to associate the regional bank with the internet financial platform and enable the regional bank to provide low-cost and quick service capability of mobile internet finance is a problem to be solved.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The invention mainly aims to provide a fund financing method and device based on an SDK (software development kit), and aims to solve the technical problem of how to enable a commercial bank to have service capacity of mobile internet finance under the condition of low cost.
In order to achieve the above object, the present invention provides an SDK-based fund management method, which includes:
when a first application receives a transaction request through an interface provided by a second application, executing financial product transaction operation in a first application account according to the transaction request, wherein the interface is established by the second application according to a Software Development Kit (SDK) of the first application;
after the financial product transaction operation is completed, acquiring an account password for payment in a second application account, wherein the account password is an encrypted account password;
and sending the account password to the second application so that the second application can verify the correctness of the account password, and when the second application determines that the account password is correct, executing fund payment operation by the second application.
Preferably, the encrypting the account password comprises:
encrypting the account password by adopting an RSA algorithm to obtain the account password encrypted by the RSA algorithm;
and adopting a 3DES algorithm to carry out encryption conversion on the account password encrypted by the RSA algorithm to obtain the encrypted account password.
Preferably, when the first application receives a transaction request through an interface provided by the second application, the step of executing a financial product transaction operation in the first application account according to the transaction request comprises:
when a first application receives a transaction request through an interface provided by a second application, judging whether a first application account is bound with a second application account;
and if the first application account and the second application account are bound, executing financial product transaction operation in the first application account according to the transaction request.
Preferably, after the step of determining whether the first application account is bound to the second application account when the first application receives the transaction request through the interface provided by the second application, the method further includes:
if the first application account and the second application account are not bound, binding the first application account and the second application account;
and when the first application account and the second application account are successfully bound, executing financial product transaction operation in the first application account according to the transaction request.
Preferably, the sending the account password to the second application for the second application to verify the correctness of the account password, and when the second application determines that the account password is correct, after the step of executing a fund payment operation by the second application, the method further includes:
and receiving a prompt message sent by the second application to prompt a user to pay funds corresponding to the financial product transaction operation successfully, wherein the prompt message is generated when the second application completes the fund payment operation.
In addition, in order to achieve the above object, the present invention also provides an SDK-based fund management apparatus, comprising:
the system comprises an execution module, a transaction processing module and a processing module, wherein the execution module is used for executing financial product transaction operation in a first application account according to a transaction request when the transaction request is received by a first application through an interface provided by a second application, wherein the interface is established by the second application according to a Software Development Kit (SDK) of the first application;
the acquisition module is used for acquiring an account password for payment in a second application account after the financial product transaction operation is completed, wherein the account password is an encrypted account password;
and the sending module is used for sending the account password to the second application so that the second application can verify the correctness of the account password, and when the second application determines that the account password is correct, the second application executes fund payment operation.
Preferably, the SDK-based financing device further comprises:
the encryption module is used for encrypting the account password by adopting an RSA algorithm to obtain the account password encrypted by the RSA algorithm; and adopting a 3DES algorithm to carry out encryption conversion on the account password encrypted by the RSA algorithm to obtain the encrypted account password.
Preferably, the execution module includes:
the device comprises a judging unit, a processing unit and a processing unit, wherein the judging unit is used for judging whether a first application account is bound with a second application account or not when a first application receives a transaction request through an interface provided by the second application;
and the execution unit is used for executing the financial product transaction operation in the first application account according to the transaction request if the first application account and the second application account are bound.
Preferably, the execution module further comprises:
a binding unit, configured to bind the first application account and the second application account if the first application account and the second application account are not bound;
and the execution unit is also used for executing financial product transaction operation in the first application account according to the transaction request when the first application account and the second application account are successfully bound.
Preferably, the SDK-based financing device further comprises:
and the receiving module is used for receiving a prompt message sent by the second application and prompting a user that the fund corresponding to the financial product transaction operation is paid successfully, wherein the prompt message is generated when the second application completes the fund payment operation.
When a first application receives a transaction request through an interface provided by a second application, financial product transaction operation is executed in a first application account according to the transaction request, wherein the interface is established by the second application according to a Software Development Kit (SDK) of the first application. And after the financial product transaction operation is completed, acquiring an account password for payment in a second application account, wherein the account password is an encrypted account password, sending the account password to the second application for the second application to verify the correctness of the account password, and when the second application determines that the account password is correct, executing fund payment operation by the second application. The method and the system realize that banks with internet financial capacity and mobile internet marketing capacity are combined with the regional operation capacity of medium and small commercial banks through a Software-as-a-service (SaaS) mode and the technology capacity and the best internet bank practice mode, reduce the service cost of the general financial resources and enable the medium and small commercial banks to have the service capacity of the mobile internet financial resources. The system provides better financial service for regional customers, particularly for the two-three line region.
Drawings
FIG. 1 is a schematic flow chart of a preferred embodiment of the SDK-based fund management method of the present invention;
fig. 2 is a schematic flow chart illustrating a process of executing a financial product transaction operation in a first application account according to a transaction request when the transaction request is received by a first application through an interface provided by a second application according to an embodiment of the present invention;
FIG. 3 is a functional block diagram of a financial device for funds management based on SDK according to a preferred embodiment of the present invention;
fig. 4 is a functional block diagram of an execution block according to an embodiment of the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1, fig. 1 is a flow chart illustrating a method for financing funds based on SDK according to a preferred embodiment of the present invention.
In this embodiment, the method for financing funds based on SDK includes:
step S10, when a first application receives a transaction request through an interface provided by a second application, executing financial product transaction operation in a first application account according to the transaction request, wherein the interface is established by the second application according to a Software Development Kit (SDK) of the first application;
when a user logs in a second application, the second application enters the first application through the built-in interface. It is understood that the first Application and the second Application are APPs (applications) of two banks, respectively. And the first application receives a transaction request through an interface provided by the second application and executes corresponding financial product transaction operation in a first application account according to the received transaction request. It should be noted that the interface is established by the second application according to an SDK (Software Development Kit) of the first application, that is, the application program of the first application is embedded into the application program of the second application in the form of an SDK. The first application account is a class II account which can transact fund transfer, purchase investment and financing products, transact consumption of limited amount and payment in an electronic mode, and the like.
Further, in the process of carrying out financial product transaction between the first application and the second application, the first application and the second application are in network communication by adopting a dedicated line to ensure the safety between the first application and the second application, and the first application and the second application are in data transmission by adopting an HTTPS (high Text Transfer protocol Secure Socket L eye).
Further, the second application needs to register in the first application to use the SDK of the first application to obtain the service of the first application. When the second application is not registered in the first application, the second application may not use the SDK of the first application.
Step S20, after the financial product transaction operation is completed, acquiring an account password for payment in a second application account, wherein the account password is an encrypted account password;
and after the first application and the second application complete the financial product transaction operation, the first application acquires a password for a payment account in the second application account. And encrypting the account password in the process that the user inputs the account password through the SDK, namely the account password acquired by the first application is the encrypted account password. The second application account is a class I account which is a full-function bank settlement account, and a depositor can transact deposit, purchase investment and financing products, draw cash, transfer accounts, consume, pay payment and the like.
Step S30, sending the account password to the second application, so that the second application verifies the correctness of the account password, and when the second application determines that the account password is correct, the second application performs a fund payment operation.
And when the first application obtains the account password, the first application sends the account password to the second application. And after the second application receives the account password, the second application verifies the correctness of the account password. And when the second application determines that the account password is correct, the second application executes fund paying operation to pay funds corresponding to the financial product transaction operation. It can be understood that the user only needs the application program of the second application, one user and one password to carry out financial product transaction in the first application and the second application without downloading the application program of the first application and without needing an account password corresponding to the first application.
Further, the SDK-based fund financing method further comprises the following steps:
step a, encrypting the account password by adopting an RSA algorithm to obtain the account password encrypted by the RSA algorithm;
and b, encrypting the account password encrypted by the RSA algorithm by adopting a 3DES algorithm to obtain the encrypted account password.
Further, the process of encrypting the account password by the first application is as follows: and the first application encrypts the account password by adopting an RSA algorithm to obtain the account password encrypted by the RSA algorithm. And after the account password encrypted by the RSA algorithm is obtained, the first application adopts the 3DES algorithm to carry out encryption conversion on the account password encrypted by the RSA algorithm to obtain the encrypted account password. The RSA algorithm is a public key cryptosystem, which uses different encryption keys and decryption keys, and is a cryptosystem in which it is computationally infeasible to derive a decryption key from a known encryption key. The 3DES, also called Triple DES, is a mode of DES encryption algorithm, which uses 3 keys of 56 bits to encrypt data three times. Wherein the encryption key and the decryption key of the 3DES algorithm are pre-negotiated between the first application and the second application.
And when the encrypted account password is obtained by the first application, the encrypted account password is sent to the second application by the first application. And after the second application receives the encrypted account password, the second application decrypts the encrypted account password and verifies the correctness of the account password according to the decrypted account password. And when the second application determines that the account password is correct, the second application executes fund paying operation to pay funds corresponding to the financial product transaction operation.
The specific process of decrypting the encrypted account password by the second application is as follows: and the second application decrypts by adopting the 3DES algorithm to obtain the decrypted account password. When the second application decrypts the account password input by the user, the second application compares the decrypted account password with the pre-stored account password of the second application account. When the account password obtained by decryption is different from the account password of the second application account stored in advance, the second application determines that the account password is wrong, does not execute fund paying operation, and outputs prompt information to the first application so that the first application prompts a user to input a password mistake according to the prompt information; and when the account password obtained by decryption is the same as the prestored account password of the second application account, the second application determines that the account password is correct, provides a standard collection and payment interface between banks and executes fund payment operation.
Further, the SDK-based fund financing method further comprises the following steps:
and c, receiving a prompt message sent by the second application, and prompting a user that the fund corresponding to the financial product transaction operation is paid successfully, wherein the prompt message is generated when the second application completes the fund payment operation.
And when the first application receives the prompt message, the first application prompts the user that the fund corresponding to the financial product transaction operation is paid successfully according to the prompt message.
The embodiment provides an interface for the first application through the second application, so that a user performs financial product transaction operation on the first application through the second application, and the account password of the second application account is input into the first application to realize the verification of the account password by the second application. And when the account password is correct, carrying out fund paying operation in the second application account. The method and the system realize that banks with internet financial capacity and mobile internet marketing capacity are combined with the regional operation capacity of medium and small commercial banks by adopting a SaaS + (namely scientific and technological capacity + optimal internet bank practice) mode and adopting a single sign-on technology, reduce the service cost of the general financial service and enable the medium and small commercial banks to have the service capacity of the mobile internet financial service. The system provides better financial service for regional customers, particularly for the two-three line region.
Further, referring to fig. 2, fig. 2 is a schematic flow chart illustrating a financial product transaction operation performed in a first application account according to a transaction request when the first application receives the transaction request through an interface provided by a second application according to an embodiment of the present invention, and a second embodiment of the SDK-based fund financial method according to the present invention is provided based on the first embodiment.
In this embodiment, the step S10 includes:
step S11, when the first application receives the transaction request through the interface provided by the second application, judging whether the first application account is bound with the second application account;
step S12, if the first application account and the second application account are bound, executing a financial product transaction operation in the first application account according to the transaction request.
When the first application receives a transaction request through an interface provided by the second application, the first application judges whether a first application account is bound with a second application account. And when the first application account and the second application account are bound, the first application executes financial product transaction operation in the first application account according to the transaction request. It should be noted that the second application needs to register in the first application to use the SDK of the first application, so as to obtain the service of the first application. When the second application is not registered in the first application, the second application may not use the SDK of the first application.
Step S13, if the first application account and the second application account are not bound, the first application account and the second application account are bound;
and step S14, when the first application account and the second application account are successfully bound, executing financial product transaction operation in the first application account according to the transaction request.
When the first application account and the second application account are not bound, the first application binds the first application account and the second application account. And when the first application is successfully bound with the first application account and the second application account, the first application executes financial product transaction operation in the first application account according to the transaction request.
It should be noted that the first application account is not visible to the user. And in the process of transaction of the second application, funds are transferred into or out of the second application account, and the first application account is only used as a transaction channel.
Further, after the first application and the second application complete the financial product transaction operation, the first application and the second application allocate the sales revenue of the financial product transaction operation according to a preset proportion, and intermediate business revenue is increased for the second application. The allocation of the earnings for the first application and the second application may be set according to specific situations, for example, the allocation of the earnings for the first application and the second application may be set once every month, or every 50 days.
Furthermore, the first application analyzes the transaction data of the user by using a data mining and analyzing technology of the big data platform to obtain an analysis result, accurately controls the user data according to the analysis result, and pushes related information for the user according to the analysis result to meet the requirement of the user on financial services.
In this embodiment, by binding the first application account and the second application account, in the transaction process, the second application account transfers funds into or out of the second application account, and the first application account is only used as a transaction channel, thereby avoiding the phenomenon of deposit loss of the second application.
The invention further provides a fund financing device based on the SDK.
Referring to fig. 3, fig. 3 is a functional module diagram of the capital financing device based on SDK according to the preferred embodiment of the present invention.
In this embodiment, the SDK-based financial fund management apparatus includes:
an execution module 10, configured to, when a first application receives a transaction request through an interface provided by a second application, execute a financial product transaction operation in a first application account according to the transaction request, where the interface is established by the second application according to a software development kit SDK of the first application;
when a user logs in a second application, the second application enters the first application through the built-in interface. It is understood that the first Application and the second Application are APPs (applications) of two banks, respectively. And the first application receives a transaction request through an interface provided by the second application and executes corresponding financial product transaction operation in a first application account according to the received transaction request. It should be noted that the interface is established by the second application according to an SDK (Software Development Kit) of the first application, that is, the application program of the first application is embedded into the application program of the second application in the form of an SDK. The first application account is a class II account which can transact fund transfer, purchase investment and financing products, transact consumption of limited amount and payment in an electronic mode, and the like.
Further, in the process of carrying out financial product transaction between the first application and the second application, the first application and the second application are in network communication by adopting a dedicated line to ensure the safety between the first application and the second application, and the first application and the second application are in data transmission by adopting an HTTPS (high Text Transfer protocol Secure Socket L eye).
Further, the second application needs to register in the first application to use the SDK of the first application to obtain the service of the first application. When the second application is not registered in the first application, the second application may not use the SDK of the first application.
An obtaining module 20, configured to obtain an account password for payment in a second application account after the financial product transaction operation is completed, where the account password is an encrypted account password;
and after the first application and the second application complete the financial product transaction operation, the first application acquires a password for a payment account in the second application account. And encrypting the account password in the process that the user inputs the account password through the SDK, namely the account password acquired by the first application is the encrypted account password. The second application account is a class I account which is a full-function bank settlement account, and a depositor can transact deposit, purchase investment and financing products, draw cash, transfer accounts, consume, pay payment and the like.
A sending module 30, configured to send the account password to the second application, so that the second application verifies correctness of the account password, and when the second application determines that the account password is correct, the second application performs a fund payment operation.
And when the first application obtains the account password, the first application sends the account password to the second application. And after the second application receives the account password, the second application verifies the correctness of the account password. And when the second application determines that the account password is correct, the second application executes fund paying operation to pay funds corresponding to the financial product transaction operation. It can be understood that the user only needs the application program of the second application, one user and one password to carry out financial product transaction in the first application and the second application without downloading the application program of the first application and without needing an account password corresponding to the first application.
Further, the SDK-based financial fund management apparatus further comprises:
the encryption module is used for encrypting the account password by adopting an RSA algorithm to obtain the account password encrypted by the RSA algorithm; and encrypting the account password encrypted by the RSA algorithm by adopting a 3DES algorithm to obtain the encrypted account password.
Further, the process of encrypting the account password by the first application is as follows: and the first application encrypts the account password by adopting an RSA algorithm to obtain the account password encrypted by the RSA algorithm. And after the account password encrypted by the RSA algorithm is obtained, the first application adopts the 3DES algorithm to carry out encryption conversion on the account password encrypted by the RSA algorithm to obtain the encrypted account password. The RSA algorithm is a public key cryptosystem, which uses different encryption keys and decryption keys, and is a cryptosystem in which it is computationally infeasible to derive a decryption key from a known encryption key. The 3DES, also called Triple DES, is a mode of DES encryption algorithm, which uses 3 keys of 56 bits to encrypt data three times. Wherein the encryption key and the decryption key of the 3DES algorithm are pre-negotiated between the first application and the second application.
And when the encrypted account password is obtained by the first application, the encrypted account password is sent to the second application by the first application. And after the second application receives the encrypted account password, the second application decrypts the encrypted account password and verifies the correctness of the account password according to the decrypted account password. And when the second application determines that the account password is correct, the second application executes fund paying operation to pay funds corresponding to the financial product transaction operation.
The specific process of decrypting the encrypted account password by the second application is as follows: and the second application decrypts by adopting the 3DES algorithm to obtain the decrypted account password. When the second application decrypts the account password input by the user, the second application compares the decrypted account password with the pre-stored account password of the second application account. When the account password obtained by decryption is different from the account password of the second application account stored in advance, the second application determines that the account password is wrong, does not execute fund paying operation, and outputs prompt information to the first application so that the first application prompts a user to input a password mistake according to the prompt information; and when the account password obtained by decryption is the same as the prestored account password of the second application account, the second application determines that the account password is correct, provides a standard collection and payment interface between banks and executes fund payment operation.
Further, the SDK-based financial fund management apparatus further comprises:
and the receiving module is used for receiving a prompt message sent by the second application and prompting a user that the fund corresponding to the financial product transaction operation is paid successfully, wherein the prompt message is generated when the second application completes the fund payment operation.
And when the first application receives the prompt message, the first application prompts the user that the fund corresponding to the financial product transaction operation is paid successfully according to the prompt message.
The embodiment provides an interface for the first application through the second application, so that a user performs financial product transaction operation on the first application through the second application, and the account password of the second application account is input into the first application to realize the verification of the account password by the second application. And when the account password is correct, carrying out fund paying operation in the second application account. The method and the system realize that banks with internet financial capacity and mobile internet marketing capacity are combined with the regional operation capacity of medium and small commercial banks by adopting a SaaS + (namely scientific and technological capacity + optimal internet bank practice) mode and adopting a single sign-on technology, reduce the service cost of the general financial service and enable the medium and small commercial banks to have the service capacity of the mobile internet financial service. The system provides better financial service for regional customers, particularly for the two-three line region.
Referring to fig. 4, fig. 4 is a functional module diagram of an execution module in an embodiment of the present invention, and a second embodiment of the SDK-based financial device according to the present invention is provided based on the first embodiment.
In this embodiment, the execution module 10 includes:
the determining unit 11 is configured to determine whether the first application account is bound to the second application account when the first application receives a transaction request through an interface provided by the second application;
and the execution unit 12 is configured to execute a financial product transaction operation in the first application account according to the transaction request if the first application account and the second application account are bound.
When the first application receives a transaction request through an interface provided by the second application, the first application judges whether a first application account is bound with a second application account. And when the first application account and the second application account are bound, the first application executes financial product transaction operation in the first application account according to the transaction request. It should be noted that the second application needs to register in the first application to use the SDK of the first application, so as to obtain the service of the first application. When the second application is not registered in the first application, the second application may not use the SDK of the first application.
A binding unit 13, configured to bind the first application account and the second application account if the first application account and the second application account are not bound;
the execution unit 12 is further configured to, when the first application account and the second application account are successfully bound, execute a financial product transaction operation in the first application account according to the transaction request.
When the first application account and the second application account are not bound, the first application binds the first application account and the second application account. And when the first application is successfully bound with the first application account and the second application account, the first application executes financial product transaction operation in the first application account according to the transaction request.
It should be noted that the first application account is not visible to the user. And in the process of transaction of the second application, funds are transferred into or out of the second application account, and the first application account is only used as a transaction channel.
Further, after the first application and the second application complete the financial product transaction operation, the first application and the second application allocate the sales revenue of the financial product transaction operation according to a preset proportion, and intermediate business revenue is increased for the second application. The allocation of the earnings for the first application and the second application may be set according to specific situations, for example, the allocation of the earnings for the first application and the second application may be set once every month, or every 50 days.
Furthermore, the first application analyzes the transaction data of the user by using a data mining and analyzing technology of the big data platform to obtain an analysis result, accurately controls the user data according to the analysis result, and pushes related information for the user according to the analysis result to meet the requirement of the user on financial services.
In this embodiment, by binding the first application account and the second application account, in the transaction process, the second application account transfers funds into or out of the second application account, and the first application account is only used as a transaction channel, thereby avoiding the phenomenon of deposit loss of the second application.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments. Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. An SDK-based fund management method, comprising the following steps:
when a first application receives a transaction request through an interface provided by a second application, executing financial product transaction operation in a first application account according to the transaction request, wherein the interface is established by the second application according to a Software Development Kit (SDK) of the first application, the first application account is invisible to a user, the first application account is only used as a transaction channel, the second application can use the SDK of the first application only by registering in the first application to acquire service of the first application, the first application and the second application are respectively application programs of two banks, and the first application and the second application are in network communication by adopting a private line;
after the financial product transaction operation is completed, acquiring an account password for payment in a second application account, wherein the account password is an encrypted account password;
and sending the account password to the second application so that the second application can verify the correctness of the account password, and when the second application determines that the account password is correct, executing fund payment operation by the second application.
2. The SDK-based financial funds management method of claim 1, wherein encrypting the account password comprises:
encrypting the account password by adopting an RSA algorithm to obtain the account password encrypted by the RSA algorithm;
and adopting a 3DES algorithm to carry out encryption conversion on the account password encrypted by the RSA algorithm to obtain the encrypted account password.
3. The SDK-based funds management method of claim 1, wherein the step of performing a financial product transaction operation in a first application account in accordance with a transaction request when the transaction request is received by a first application through an interface provided by a second application comprises:
when a first application receives a transaction request through an interface provided by a second application, judging whether a first application account is bound with a second application account;
and if the first application account and the second application account are bound, executing financial product transaction operation in the first application account according to the transaction request.
4. The SDK-based funds management method of claim 3, wherein the step of determining whether the first application account is bound to the second application account when the first application receives a transaction request through an interface provided by the second application further comprises, after:
if the first application account and the second application account are not bound, binding the first application account and the second application account;
and when the first application account and the second application account are successfully bound, executing financial product transaction operation in the first application account according to the transaction request.
5. The SDK-based funds management method of any one of claims 1 to 4, wherein the sending the account password to the second application for the second application to verify the correctness of the account password, and when the second application determines that the account password is correct, the step of the second application performing funds payment further comprises:
and receiving a prompt message sent by the second application to prompt a user to pay funds corresponding to the financial product transaction operation successfully, wherein the prompt message is generated when the second application completes the fund payment operation.
6. An SDK-based financial device for funds, the SDK-based financial device comprising:
an execution module, configured to execute a financial product transaction operation in a first application account according to a transaction request when the first application receives the transaction request through an interface provided by a second application, where the interface is established by the second application according to a Software Development Kit (SDK) of the first application, the first application account is invisible to a user, the first application account is only used as a transaction channel, the second application needs to register in the first application to use the SDK of the first application to obtain a service of the first application, the first application and the second application are application programs of two banks, and the first application and the second application perform network communication by using a dedicated line;
the acquisition module is used for acquiring an account password for payment in a second application account after the financial product transaction operation is completed, wherein the account password is an encrypted account password;
and the sending module is used for sending the account password to the second application so that the second application can verify the correctness of the account password, and when the second application determines that the account password is correct, the second application executes fund payment operation.
7. The SDK-based financial funds management apparatus of claim 6, wherein said SDK-based financial funds management apparatus further comprises:
the encryption module is used for encrypting the account password by adopting an RSA algorithm to obtain the account password encrypted by the RSA algorithm; and adopting a 3DES algorithm to carry out encryption conversion on the account password encrypted by the RSA algorithm to obtain the encrypted account password.
8. The SDK-based financial funds management apparatus of claim 6, wherein said executing means comprises:
the device comprises a judging unit, a processing unit and a processing unit, wherein the judging unit is used for judging whether a first application account is bound with a second application account or not when a first application receives a transaction request through an interface provided by the second application;
and the execution unit is used for executing the financial product transaction operation in the first application account according to the transaction request if the first application account and the second application account are bound.
9. The SDK-based financial funds management apparatus of claim 8, wherein said execution module further comprises:
a binding unit, configured to bind the first application account and the second application account if the first application account and the second application account are not bound;
and the execution unit is also used for executing financial product transaction operation in the first application account according to the transaction request when the first application account and the second application account are successfully bound.
10. The SDK-based financing device as claimed in any one of claims 6 to 9, characterized in that the SDK-based financing device further comprises:
and the receiving module is used for receiving a prompt message sent by the second application and prompting a user that the fund corresponding to the financial product transaction operation is paid successfully, wherein the prompt message is generated when the second application completes the fund payment operation.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611106537.1A CN106557980B (en) | 2016-12-05 | 2016-12-05 | Fund financing method and device based on SDK |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611106537.1A CN106557980B (en) | 2016-12-05 | 2016-12-05 | Fund financing method and device based on SDK |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN106557980A CN106557980A (en) | 2017-04-05 |
| CN106557980B true CN106557980B (en) | 2020-08-04 |
Family
ID=58445671
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611106537.1A Active CN106557980B (en) | 2016-12-05 | 2016-12-05 | Fund financing method and device based on SDK |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106557980B (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102591705A (en) * | 2011-01-17 | 2012-07-18 | 腾讯科技（深圳）有限公司 | Open platform agent access method and open platform agent access device |
| CN104809611A (en) * | 2015-04-20 | 2015-07-29 | 王宏旭 | Mobile financial payment method and system based on Internet of Things under cloud platform |
| CN104881777A (en) * | 2015-05-04 | 2015-09-02 | 深圳市新一代信息技术研究院有限公司 | Payment method based on mobile terminal |
| CN105373923A (en) * | 2015-11-13 | 2016-03-02 | 广东网金控股股份有限公司 | Unified payment method for investment and financing platform |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015179637A1 (en) * | 2014-05-21 | 2015-11-26 | Visa International Service Association | Offline authentication |
-
2016
- 2016-12-05 CN CN201611106537.1A patent/CN106557980B/en active Active
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102591705A (en) * | 2011-01-17 | 2012-07-18 | 腾讯科技（深圳）有限公司 | Open platform agent access method and open platform agent access device |
| CN104809611A (en) * | 2015-04-20 | 2015-07-29 | 王宏旭 | Mobile financial payment method and system based on Internet of Things under cloud platform |
| CN104881777A (en) * | 2015-05-04 | 2015-09-02 | 深圳市新一代信息技术研究院有限公司 | Payment method based on mobile terminal |
| CN105373923A (en) * | 2015-11-13 | 2016-03-02 | 广东网金控股股份有限公司 | Unified payment method for investment and financing platform |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106557980A (en) | 2017-04-05 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20230281612A1 (en) | Virtual pos terminal method and apparatus | |
| CN108027926B (en) | Authentication system and method for service-based payment | |
| US20230351356A1 (en) | Systems and method for payment transaction processing with payment application driver | |
| JP6703510B2 (en) | Method and system for generating an advanced storage key without a secure element in a mobile device | |
| US11551209B2 (en) | Financial account authentication | |
| CN107609866B (en) | Electronic payment and electronic cash collection method and device based on virtual currency | |
| EP3008852B1 (en) | System and method for encryption | |
| US20140122344A1 (en) | Secure Computing Environment | |
| CN110278180B (en) | Financial information interaction method, device, equipment and storage medium | |
| CN103839157A (en) | Electronic payment method, device and system | |
| CN110740136B (en) | Network security control method for open bank and open bank platform | |
| WO2016118087A1 (en) | System and method for secure online payment using integrated circuit card | |
| WO2022001176A1 (en) | Method for applying for payment token, apparatus, system, and server | |
| CN103761644A (en) | Ordering processing method for mobile Internet online payment | |
| CN103268436A (en) | Method and system for touch-screen based graphical password authentication in mobile payment | |
| CN114219480A (en) | Multi-channel fee-control quick payment method and system | |
| CN106557980B (en) | Fund financing method and device based on SDK | |
| US20210385093A1 (en) | Digital signature terminal and secure communication method | |
| WO2018113508A1 (en) | Ciphertext-based identity verification method | |
| CN111652612B (en) | Mobile payment method and device | |
| CN104077688A (en) | Internet payment method based on IC card and relevant device | |
| CN111415148A (en) | Method and device for non-inductive payment, electronic equipment and storage medium | |
| CN110675158A (en) | Transaction payment method and device | |
| KR101361138B1 (en) | On-line non-facing payment system and method | |
| CN117649297A (en) | Transaction method, apparatus, device, medium and program product |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |