CN110796548B - Asset transaction method and device - Google Patents
Asset transaction method and device Download PDFInfo
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- CN110796548B CN110796548B CN201911044073.XA CN201911044073A CN110796548B CN 110796548 B CN110796548 B CN 110796548B CN 201911044073 A CN201911044073 A CN 201911044073A CN 110796548 B CN110796548 B CN 110796548B
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- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
Abstract
The invention provides an asset transaction method and device, comprising the following steps: receiving a first transaction information chain sent by a client; verifying the user identity in the first transaction information chain; if the user identity identification passes verification, adding the current initial position taking information and the current credit rating corresponding to the user identity identification to the first transaction information chain to obtain a second transaction information chain; verifying the target transaction mechanism identity in the second transaction information chain, and if the target transaction mechanism identity passes the verification, sending the second transaction information chain to the target transaction mechanism server; and when a third transaction information chain sent by the target transaction mechanism server is received, updating the initial position holding information according to the target position holding information in the third transaction information chain. And the second transaction information chain is sent to the target transaction mechanism corresponding to the target transaction information, so that the user can conveniently and rapidly carry out financial transaction.
Description
Technical Field
The invention relates to the field of Internet application, in particular to an asset transaction method and device.
Background
With the development of internet technology, more and more investors conduct financial transactions on the network; the trading institutions provide rich investment modes on the network, each institution develops a respective website and APP (Application), and users can perform financial transactions through the website or APP of each trading institution, for example, investors can perform financial transactions of futures, stocks, funds, trusts and the like on the website or APP of each trading institution, so that the financial market is increasingly prosperous.
The research of the inventor finds that the user information of each transaction mechanism can not be intercommunicated, and if the user needs to perform financial transaction in different transaction mechanisms, the user needs to register in the different transaction mechanisms respectively, which brings great inconvenience to the user.
Disclosure of Invention
The invention aims to solve the technical problem of providing an asset transaction method, which enables a user to conveniently carry out financial transaction by sending a second transaction information chain containing target transaction information, initial position taking information and credit rating of the user to a target transaction mechanism corresponding to the target transaction information.
The invention also provides an asset transaction device for ensuring the realization and the application of the method in practice.
An asset transaction method applied to a bank server, the method comprising:
receiving a first transaction information chain sent by a client, wherein the first transaction information chain at least comprises a user identity, a target transaction mechanism identity and target transaction information;
verifying the user identity;
if the user identity identification passes verification, adding the current initial position taking information and the credit granting grade corresponding to the user identity identification to the first transaction information chain to obtain a second transaction information chain;
verifying the identity of the target transaction mechanism;
if the target transaction mechanism identity identification passes verification, the second transaction information chain is sent to a target transaction mechanism server;
and when a third transaction information chain sent by the target transaction mechanism server is received, updating the initial position holding information according to the target position holding information in the third transaction information chain.
Optionally, the foregoing method, wherein the verifying the user identity includes:
analyzing the user identity and determining the type of the user identity;
matching a pre-stored verification identifier corresponding to the user identity identifier according to the user identity identifier type;
and comparing the user identity identification with the verification identification to obtain a verification result.
Optionally, the sending the second transaction information chain to the target transaction mechanism server includes:
calculating the transaction activity corresponding to the user identity identification based on historical transaction records;
determining a transmission priority of the second transaction information chain based on the transaction liveness;
and sending the second transaction information chain to a target transaction mechanism server according to the sending priority.
Optionally, the method for sending the second transaction information link to the target transaction mechanism server according to the sending order further includes:
determining an address of the target transaction facility server;
determining a plurality of transmission paths corresponding to the target transaction facility server;
selecting an optimal transmission path according to the transmission speed of each transmission path calculated in advance;
and sending the second transaction information chain to a target transaction mechanism server according to the optimal transmission path.
The method described above, optionally, further includes:
and if the user identity identification is not verified, the transaction failure information is fed back to the client.
The above method, optionally, further includes:
when a promotion request of the client is received, acquiring authentication information and target transaction information in the promotion request, wherein the authentication information is an image, audio, video, number or character string input by a user received by the client;
generating a two-dimensional code according to the authentication information and the target transaction information;
and sending the two-dimension code to the client.
An asset transaction device applied to a bank server, the device comprising:
the first receiving unit is used for receiving a first transaction information chain sent by a client, wherein the first transaction information chain at least comprises a user identity, a target transaction mechanism identity and target transaction information;
the first verification unit is used for verifying the user identity;
the first execution unit is used for adding the current initial position taking information and the current credit rating corresponding to the user identity authentication identifier to the first transaction information chain to obtain a second transaction information chain when the user identity authentication passes;
the second verification unit is used for verifying the identity of the target transaction mechanism;
the second execution unit is used for sending the second transaction information chain to the target transaction mechanism server when the target transaction mechanism identity identification passes verification;
and the second receiving unit is used for updating the initial position holding information according to the target position holding information in the third transaction information chain when receiving the third transaction information chain sent by the target transaction mechanism server.
An asset transaction method applied to a target transaction mechanism server, the method comprising:
when a second transaction information chain sent by a bank server is received, judging whether a user corresponding to the second transaction information chain meets transaction conditions or not according to initial position holding information, credit rating and target transaction information in the second transaction information chain;
if the user meets the trading condition, executing trading operation corresponding to the target trading information, generating target position holding information according to the target trading information, and adding the target position holding information to the second trading information chain to obtain a third trading information chain;
and sending the third transaction information chain to the bank server.
Optionally, the method for executing the transaction operation corresponding to the target transaction information further includes:
analyzing the transaction promotion flag bit of the second transaction information chain, and judging whether a promotion user exists or not;
if the promotion user exists, acquiring reward information corresponding to the promotion user;
and sending the reward information to an account corresponding to the second transaction information chain and/or an account of the promotion user.
An asset transaction device applied to a target transaction mechanism server, the device comprising:
the third receiving unit is used for judging whether a transaction condition is met or not according to the initial position holding information, the credit rating and target transaction information in the second transaction information chain when the second transaction information chain sent by the bank server is received;
the third execution unit is used for executing transaction operation corresponding to the target transaction information when the second transaction information chain meets the transaction condition, generating target position-taking information according to the target transaction information, and adding the target position-taking information to the second transaction information chain to obtain a third transaction information chain;
and the sending unit is used for sending the third transaction information chain to the bank server.
Compared with the prior art, the invention has the following advantages:
the invention provides an asset transaction method, which comprises the following steps: receiving a first transaction information chain sent by a client; verifying the user identity in the first transaction information chain; if the user identity identification passes verification, adding the current initial position taking information and the current credit rating corresponding to the user identity identification to the first transaction information chain to obtain a second transaction information chain; verifying the identity of the target transaction mechanism in the second transaction information chain, and if the identity of the target transaction mechanism passes the verification, sending the second transaction information chain to the server of the target transaction mechanism; and when a third transaction information chain sent by the target transaction mechanism server is received, updating the initial position holding information according to the target position holding information in the third transaction information chain. And sending a second transaction information chain containing target transaction information, initial position taking information and credit rating of the user to a target transaction mechanism corresponding to the target transaction information, so that the user can conveniently carry out financial transaction.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive labor.
FIG. 1 is a method flow diagram of an asset transaction method provided by the present invention;
FIG. 2 is a flow chart of yet another method of an asset transaction method provided by the present invention;
FIG. 3 is a schematic diagram of an asset transaction device according to the present invention;
FIG. 4 is a method flow diagram of yet another asset transaction method provided by the present invention;
fig. 5 is a schematic structural diagram of yet another asset transaction device provided by 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 invention is operational with numerous general purpose or special purpose computing device environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multi-processor appliances, distributed computing environments that include any of the above devices or equipment, and the like.
The embodiment of the invention provides an asset transaction method, which can be applied to various system platforms, wherein an execution main body of the method can be a computer terminal or a processor of various mobile devices, and a flow chart of the method is shown in fig. 1, and the method specifically comprises the following steps:
s101: receiving a first transaction information chain sent by a client, wherein the first transaction information chain at least comprises a user identity, a target transaction mechanism identity and target transaction information.
According to the method provided by the embodiment of the invention, the first transaction information chain comprises a use equipment position, a sender identification position, a receiver identification position, a user basic information position, a target transaction information position, a set-up time position, a use mode position, an opening mode position, a transaction promotion marker position, a check tag position and the like; at this time, the sender identification position is a client, the receiver identification position is a bank server, and the signature verification position comprises user identity identification information and target transaction institution identity identification information; the set-up time position is set-up time of the first transaction information chain; the method comprises the steps that the mode of calling the client side by a user is recorded by the opening mode position, the user can call the client side by a mode of directly accessing a website, a camera and a microphone for triggering, the user can place an order by a mode of scanning gestures, faces, figures and two-dimensional codes through the camera of the equipment, can also place an order by manually inputting target transaction information, and can also place an order by analyzing user audio information through the microphone of the equipment so as to generate a first transaction information chain.
S102: and verifying the user identity.
The method provided by the embodiment of the invention extracts the target user identity identification information of the check position in the first transaction information chain, and compares the user identity identification information with the pre-stored user identity verification identification.
S103: and if the user identity identification passes the verification, adding the current initial position taking information and the credit granting grade corresponding to the user identity identification to the first transaction information chain to obtain a second transaction information chain.
In the method provided by the embodiment of the present invention, the second transaction information chain includes information in the first transaction information chain.
S104: and verifying the identity of the target transaction mechanism.
In the method provided by the embodiment of the invention, the last updating time of the initial position holding information in the second transaction information chain, the establishment time position information and the target transaction institution identity information in the signature verification position are extracted to obtain the secret key to verify the target transaction institution identity.
S105: and if the target transaction mechanism identity identification passes verification, the second transaction information chain is sent to the target transaction mechanism server.
The method provided by the embodiment of the invention comprises the steps of comparing the target transaction mechanism identity with a signature pre-stored by a target transaction mechanism, if the similarity is greater than a preset threshold value, the target transaction mechanism identity passes verification, and when the target transaction mechanism identity passes verification, determining an IP address corresponding to a target transaction mechanism server and sending the second transaction information chain to the IP address.
S106: and when a third transaction information chain sent by the target transaction mechanism server is received, updating the initial position holding information according to the target position holding information in the third transaction information chain.
In the method provided by the embodiment of the invention, when a third transaction information chain sent by the target transaction mechanism server is received, the updating flag bit in the third transaction information chain is analyzed, whether the initial position holding information is updated or not is determined, if yes, the target position holding information is obtained, the target position holding information is the latest position holding information of a client, and the initial position holding information is updated according to the target position holding information.
In the method provided by the embodiment of the invention, when a third transaction information chain sent by the target transaction mechanism server is received, the corresponding key is obtained according to the last update time in the last update time information bit in the third transaction information chain to decrypt the target position holding information.
The asset transaction method provided by the embodiment of the invention comprises the following steps: receiving a first transaction information chain sent by a client; verifying the user identity in the first transaction information chain; if the user identity identification passes verification, adding the current initial position taking information and the current credit rating corresponding to the user identity identification to the first transaction information chain to obtain a second transaction information chain; verifying the identity of the target transaction mechanism in the second transaction information chain, and if the identity of the target transaction mechanism passes the verification, sending the second transaction information chain to a server of the target transaction mechanism; and when a third transaction information chain sent by the target transaction mechanism server is received, updating the initial position holding information according to the target position holding information in the third transaction information chain. And sending a second transaction information chain containing target transaction information, initial position taking information and credit rating of the user to a target transaction mechanism corresponding to the target transaction information, so that the user can conveniently carry out financial transaction.
In the method provided by the embodiment of the invention, the bank server can be one or more servers or a server cluster.
The asset transaction method provided by the embodiment of the invention is used for verifying the user identity, and comprises the following steps:
analyzing the user identity and determining the type of the user identity;
matching a pre-stored verification identifier corresponding to the user identity identifier according to the type of the user identity identifier;
and comparing the user identity identification with the verification identification to obtain a verification result.
According to the method provided by the embodiment of the invention, the user identity type can be one or more of images, voice, video, numbers, character strings and the like.
In the method provided by the embodiment of the present invention, when the user identity is an image, a voice, or a video, a pre-stored verification identifier corresponding to the user identity type is obtained, the user identity is compared with the verification identifier, when the similarity between the user identity and the verification identifier is greater than a preset threshold, the verification is passed, and when the similarity between the user identity and the verification identifier is less than or equal to the preset threshold, the verification is not passed.
In the method provided by the embodiment of the invention, when the user identity is a number and/or a character string, a pre-stored verification identifier corresponding to the user identity type is acquired; and comparing the user identity identification with the verification identification, when the user identity identification is consistent with the verification identification, the verification is passed, and when the user identity identification is inconsistent with the verification identification, the verification is failed.
In the method provided by the embodiment of the present invention, as shown in fig. 2, the process of sending the second transaction information chain to the target transaction institution server specifically includes:
s201: calculating the transaction activity corresponding to the user identity identification based on historical transaction records;
according to the method provided by the embodiment of the invention, the transaction activity is obtained according to the transaction times of the user in a period of time, and the transaction activity is higher if the transaction times of the user are more in a certain period of time.
S202: determining a transmission priority of the second transaction information chain based on the transaction liveness.
In the method provided by the embodiment of the present invention, when the transaction activity corresponding to the user identifier is higher, the sending priority of the second transaction information chain corresponding to the user identifier is higher.
According to the method provided by the embodiment of the invention, the second transaction information chain corresponding to the user meeting the preset liveness threshold value is stored in the internal storage position holding information server, and the second transaction information chain corresponding to the user not meeting the preset liveness threshold value is stored in the position holding information database server indexed according to the liveness.
S203: and sending the second transaction information chain to a target transaction mechanism server according to the sending priority.
The method provided by the embodiment of the present invention, wherein the sending the second transaction information chain to the target transaction mechanism server according to the sending priority further includes:
and determining an opening mode position of a second transaction information chain to be sent to a target server, determining whether a user corresponding to the second transaction information chain generates a first transaction information chain through a ordering two-dimensional code or a linking mode forwarded by other users, and if so, sending the second transaction information chain to the target transaction mechanism server through a WeChat small program server.
The method provided by the embodiment of the invention updates the sender identification of the second transaction information chain to be sent to the target server to the bank server and updates the receiver identification to the target transaction mechanism server.
The method provided by the embodiment of the present invention, wherein the sending the second transaction information link to the target transaction mechanism server according to the sending priority further includes:
determining an IP address of the target transaction facility server;
determining a plurality of transmission paths corresponding to the target transaction facility server;
selecting an optimal transmission path according to the pre-calculated transmission speed of each transmission path;
and sending the second transaction information chain to a target transaction mechanism server according to the optimal transmission path.
The method provided by the embodiment of the invention determines the area where the client is located according to GPS positioning, and determines the transmission path according to the congestion degree and the distance of each transmission line.
According to the method provided by the embodiment of the invention, if the user identity identification is not verified, the transaction failure information is fed back to the client.
The method provided by the embodiment of the invention further comprises the following steps:
when a promotion request of the client is received, acquiring authentication information and target transaction information in the promotion request, wherein the authentication information is an image, audio, video, number or character string input by a user received by the client;
generating a two-dimensional code according to the authentication information and the target transaction information;
and sending the two-dimension code to the client.
According to the method provided by the embodiment of the invention, when a client requests to forward target transaction information, authentication information is set, a promotion request is generated according to the target transaction information and the authentication information and is sent to a bank server, and a server generates a two-dimensional code according to the authentication information and the target transaction information; and sending the two-dimension code to the client, wherein the client can forward the two-dimension code to a social platform so as to scan the two-dimension code by other users for rapid ordering.
Corresponding to the method described in fig. 1, an embodiment of the present invention further provides an asset transaction apparatus, which is applied to a bank server, and is used for implementing the method in fig. 1 specifically, the asset transaction apparatus provided in the embodiment of the present invention may be applied to a computer terminal or various mobile devices, and a schematic structural diagram of the asset transaction apparatus is shown in fig. 3, and specifically includes:
a first receiving unit 301, configured to receive a first transaction information chain sent by a client;
a first verification unit 302, configured to verify the user identity;
a first executing unit 303, configured to add, when the user identity identifier passes verification, the initial position holding information and the trust level that currently correspond to the user identity identifier to the first transaction information chain to obtain a second transaction information chain;
a second verification unit 304, configured to verify the identity of the target transaction mechanism;
a second execution unit 305, configured to send the second transaction information chain to the target transaction mechanism server when the target transaction mechanism id passes verification;
the second receiving unit 306, when receiving a third transaction information chain sent by the target transaction mechanism server, updates the initial position holding information according to the target position holding information in the third transaction information chain.
In an embodiment of the present invention, based on the foregoing solution, the first verification unit 302 is configured to:
analyzing the user identity and determining the type of the user identity;
matching a pre-stored verification identifier corresponding to the user identity identifier according to the type of the user identity identifier;
and comparing the user identity identification with the verification identification to obtain a verification result.
In an embodiment of the present invention, based on the foregoing solution, the second execution unit 305 is configured to:
calculating the transaction activity corresponding to the user identity identification based on historical transaction records;
determining a transmission priority of the second transaction information chain based on the transaction liveness;
and sending the second transaction information chain to a target transaction mechanism server according to the sending priority.
In an embodiment of the present invention, based on the foregoing solution, the asset transaction device further includes a transmission unit for determining an address of the target transaction mechanism server; determining a plurality of transmission paths corresponding to the target transaction facility server; selecting an optimal transmission path according to the pre-calculated transmission speed of each transmission path; and sending the second transaction information chain to a target transaction mechanism server according to the optimal transmission path.
In an embodiment of the present invention, based on the foregoing solution, the asset transaction device further includes an information feedback unit, configured to feed back transaction failure information to the client if the user identity authentication fails.
In an embodiment of the present invention, based on the foregoing solution, the asset transaction device further includes a two-dimensional code generating unit, configured to obtain authentication information and target transaction information in the promotion request when receiving the promotion request from the client, where the authentication information is an image, audio, video, number, or character string input by the user received by the client; generating a two-dimensional code according to the authentication information and the target transaction information; and sending the two-dimension code to the client.
The asset transaction device provided by the embodiment of the invention comprises: receiving a first transaction information chain sent by a client; verifying the user identity in the first transaction information chain; if the user identity identification passes verification, adding the current initial position taking information and the current credit rating corresponding to the user identity identification to the first transaction information chain to obtain a second transaction information chain; verifying the identity of the target transaction mechanism in the second transaction information chain, and if the identity of the target transaction mechanism passes the verification, sending the second transaction information chain to a server of the target transaction mechanism; and when a third transaction information chain sent by the target transaction mechanism server is received, updating the initial position taking information according to the target position taking information in the third transaction information chain. And sending a second transaction information chain containing target transaction information, initial position-taking information and credit rating of the user to a target transaction mechanism corresponding to the target transaction information, so that the user can conveniently and rapidly carry out financial transaction.
An embodiment of the present invention further provides an asset transaction method, where the method may be applied to multiple system platforms, an execution subject of the method may be a processor of a target transaction mechanism server, and the target transaction mechanism server may be a computer terminal or various mobile devices, and a flowchart of the method is shown in fig. 4, where the method specifically includes:
s401: when a second transaction information chain sent by a bank server is received, judging whether a user corresponding to the second transaction information chain meets a transaction condition or not according to initial position holding information, credit rating and target transaction information in the second transaction information chain.
According to the method provided by the embodiment of the invention, comprehensive credit granting calculation is carried out according to the initial position taking information and the credit granting grade, and whether the transaction condition of the user meets the transaction condition is judged according to the calculation result and the target transaction information.
S402: and if the user meets the trading condition, executing trading operation corresponding to the target trading information, generating target position holding information according to the target trading information, and adding the target position holding information to the second trading information chain to obtain a third trading information chain.
S403: and sending the third transaction information chain to the bank server.
According to the asset transaction method provided by the embodiment of the invention, when a second transaction information chain sent by a bank server is received, whether a user corresponding to the second transaction information chain meets a transaction condition is judged according to initial position holding information, credit rating and target transaction information in the second transaction information chain; if the user meets the trading condition, executing trading operation corresponding to the target trading information, generating target position holding information according to the target trading information, and adding the target position holding information to the second trading information chain to obtain a third trading information chain; and sending the third transaction information chain to the bank server. Whether the user meets the trading condition is judged according to the initial position taking information, the credit granting grade and the target trading information in the second trading information chain, if the user meets the trading condition, the corresponding trading operation is executed, so that the target trading mechanism can facilitate the user to invest and control the trading risk of the user.
In the method provided by the embodiment of the present invention, the target transaction institution server may be one or more servers, or may be a server cluster.
In the method provided in the embodiment of the present invention, the executing the transaction operation corresponding to the target transaction information further includes:
analyzing the transaction promotion flag bit of the second transaction information chain, and judging whether a promotion user exists or not;
if the promotion user exists, acquiring reward information corresponding to the promotion user;
and sending the reward information to an account corresponding to the second transaction information chain and/or an account of the promotion user.
In the method provided by the embodiment of the invention, if the user explodes the warehouse, the account of the user is frozen, the information of the explosion is sent to the bank server, and when the bank server receives the information of the explosion, the bank account of the user is frozen, and the information of the explosion of the user is sent to other trading mechanism servers, so that the information circulation of each trading mechanism, the bank and the user is realized, and the information isolated island is broken.
The method provided by the embodiment of the present invention, wherein the executing of the transaction operation corresponding to the target transaction information further includes:
determining the transaction activity of the user according to the historical transaction record;
determining the transaction priority of the user according to the transaction activity;
and executing the transaction operation corresponding to the target transaction information according to the transaction priority.
According to the method provided by the embodiment of the invention, the activity degree of the user is determined according to the initial position taking information and the time corresponding to the initial position taking time, when the activity degree of the user is greater than a preset threshold value, the target transaction information of the user is placed into a memory client information server, queuing and caching are carried out based on the activity degree, and if the order placing item corresponding to the target transaction information is determined to be an empty order and/or multiple orders, the signing is carried out according to time intervals.
In the method provided by the embodiment of the present invention, if the target transaction information of the second transaction information chain includes the receipt removal information, an update flag is written into an update flag bit included in the second transaction information chain, and a preset identifier is written into any one of the target position-holding information bit and the user position-holding information bit, where the preset identifier may be a specific symbol such as "N"; if the target transaction information of the second transaction information chain comprises the target transaction information, writing an update mark into an update mark bit contained in the second transaction information chain; if the user bursts, determining target position taking information corresponding to the burst of the user, and writing a preset symbol 'B' at the tail of the target position taking information; adding target position holding information to the second transaction information chain to obtain a third transaction information chain; and sending the third transaction information chain to a bank server.
In the method provided by the embodiment of the present invention, when the third transaction information chain is sent to the bank server, the method further includes encrypting the third transaction information chain; the encryption key may be generated by an SM4 encryption algorithm; and transmitting the third transaction information chain by adopting HTTPS encryption.
In the method provided by the embodiment of the invention, the target transaction mechanism determines the transaction amount corresponding to the executed target transaction information, and updates the account balance of the user according to the transaction amount.
The above specific implementations and the derivation processes of the implementations are all within the scope of the present invention.
Corresponding to the method described in fig. 4, an embodiment of the present invention further provides an asset transaction apparatus, which is used for implementing the method in fig. 4 by a target transaction mechanism server, where the asset transaction apparatus provided in the embodiment of the present invention may be applied to a computer terminal or various mobile devices, and a schematic structural diagram of the asset transaction apparatus is shown in fig. 5, and specifically includes:
a third receiving unit 501, configured to determine whether a transaction condition is met according to the initial position information, the credit rating, and target transaction information in a second transaction information chain when receiving that the second transaction information chain is sent by a bank server;
a third executing unit 502, configured to execute, when the second transaction information chain meets the transaction condition, a transaction operation corresponding to the target transaction information, generate target position holding information according to the target transaction information, and add the target position holding information to the second transaction information chain to obtain a third transaction information chain;
a sending unit 503, configured to send the third transaction information chain to the bank server.
In an embodiment of the present invention, based on the foregoing scheme, the asset transaction device further includes a determining unit, configured to analyze a transaction promotion flag bit of the second transaction information chain, and determine whether there is a promoting user; if the promotion user exists, acquiring reward information corresponding to the promotion user; and sending the reward information to an account corresponding to the second transaction information chain and/or an account of the promotion user.
According to the asset transaction device provided by the embodiment of the invention, when a second transaction information chain sent by a bank server is received, whether a user corresponding to the second transaction information chain meets a transaction condition is judged according to initial position holding information, credit rating and target transaction information in the second transaction information chain; if the user meets the trading condition, executing trading operation corresponding to the target trading information, generating target position holding information according to the target trading information, and adding the target position holding information to the second trading information chain to obtain a third trading information chain; and sending the third transaction information chain to the bank server. Whether the user meets the trading condition is judged according to the initial position taking information, the credit granting grade and the target trading information in the second trading information chain, if the user meets the trading condition, the corresponding trading operation is executed, so that the target trading mechanism can facilitate the investment of the user and control the trading risk of the user.
The embodiment of the invention also provides a storage medium which comprises a stored instruction, wherein when the instruction runs, the equipment where the storage medium is located is controlled to execute the asset transaction method applied to the bank server.
Embodiments of the present invention also provide an electronic device, specifically including a memory, and one or more instructions, where the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the following:
receiving a first transaction information chain sent by a client;
verifying the user identity in the first transaction information chain;
if the user identity identification passes verification, adding the current initial position taking information and the current credit rating corresponding to the user identity identification to the first transaction information chain to obtain a second transaction information chain;
verifying the identity of the target transaction institution in the second transaction information chain,
if the target transaction mechanism identity identification passes verification, the second transaction information chain is sent to a target transaction mechanism server;
and when a third transaction information chain sent by the target transaction mechanism server is received, updating the initial position holding information according to the target position holding information in the third transaction information chain.
The embodiment of the invention also provides a storage medium, which comprises a stored instruction, wherein when the instruction runs, the equipment where the storage medium is located is controlled to execute the asset transaction method applied to the target transaction mechanism server.
Embodiments of the present invention further provide an electronic device, specifically including a memory, and one or more instructions, where the one or more instructions are stored in the memory and configured to be executed by the one or more processors to:
when a second transaction information chain sent by a bank server is received, judging whether a user corresponding to the second transaction information chain meets a transaction condition or not according to initial position holding information, credit rating and target transaction information in the second transaction information chain;
if the user meets the trading condition, executing trading operation corresponding to the target trading information, generating target position holding information according to the target trading information, and adding the target position holding information to the second trading information chain to obtain a third trading information chain;
and sending the third transaction information chain to the bank server.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and reference may be made to the partial description of the method embodiment for relevant points.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of software products, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and include instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The asset transaction method and device provided by the invention are described in detail, and the principle and the implementation mode of the invention are explained by applying specific examples, and the description of the examples is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. An asset transaction method, applied to a bank server, the method comprising:
receiving a first transaction information chain sent by a client, wherein the first transaction information chain at least comprises a user identity, a target transaction mechanism identity and target transaction information;
verifying the user identity;
if the user identity identification passes verification, adding the current initial position taking information and the current credit rating corresponding to the user identity identification to the first transaction information chain to obtain a second transaction information chain;
verifying the identity of the target transaction mechanism;
if the target transaction mechanism identity identification passes verification, the second transaction information chain is sent to a target transaction mechanism server;
and when a third transaction information chain sent by the target transaction mechanism server is received, updating the initial position taking information according to the target position taking information in the third transaction information chain.
2. The method of claim 1, wherein the verifying the user identity comprises:
analyzing the user identity and determining the type of the user identity;
matching a pre-stored verification identifier corresponding to the user identity identifier according to the type of the user identity identifier;
and comparing the user identity identification with the verification identification to obtain a verification result.
3. The method of claim 1, wherein sending the second transaction information chain to a target transaction facility server comprises:
calculating the transaction activity corresponding to the user identity identification based on historical transaction records;
determining a transmission priority of the second transaction information chain based on the transaction liveness;
and sending the second transaction information chain to a target transaction mechanism server according to the sending priority.
4. The method of claim 3, wherein sending the second transaction message chain to the target transaction facility server according to the sending priority further comprises:
determining an address of the target transaction facility server;
determining a plurality of transmission paths corresponding to the target transaction facility server;
selecting an optimal transmission path according to the transmission speed of each transmission path calculated in advance;
and sending the second transaction information chain to a target transaction mechanism server according to the optimal transmission path.
5. The method of claim 1, further comprising:
and if the user identity identification is not verified, the transaction failure information is fed back to the client.
6. The method of claim 1, further comprising:
when a promotion request of the client is received, acquiring authentication information and target transaction information in the promotion request, wherein the authentication information is an image, audio, video, number or character string input by a user received by the client;
generating a two-dimensional code according to the authentication information and the target transaction information;
and sending the two-dimension code to the client.
7. An asset transaction device applied to a bank server, the device comprising:
the first receiving unit is used for receiving a first transaction information chain sent by a client, wherein the first transaction information chain at least comprises a user identity, a target transaction mechanism identity and target transaction information;
the first verification unit is used for verifying the user identity;
the first execution unit is used for adding the current initial position holding information and the current credit rating corresponding to the user identity to the first transaction information chain to obtain a second transaction information chain when the user identity passes verification;
a second verification unit for verifying the identity of the target transaction institution,
the second execution unit is used for sending the second transaction information chain to the target transaction mechanism server when the target transaction mechanism identity identification passes verification;
and the second receiving unit is used for updating the initial position holding information according to the target position holding information in the third transaction information chain when receiving the third transaction information chain sent by the target transaction mechanism server.
8. An asset transaction method applied to a target transaction authority server, the method comprising:
when a second transaction information chain sent by a bank server is received, judging whether a user corresponding to the second transaction information chain meets transaction conditions or not according to initial position information, credit rating and target transaction information in the second transaction information chain;
if the user meets the transaction condition, executing transaction operation corresponding to the target transaction information, generating target position-taking information according to the target transaction information, and adding the target position-taking information to the second transaction information chain to obtain a third transaction information chain;
and sending the third transaction information chain to the bank server.
9. The method of claim 8, wherein the performing the transaction operation corresponding to the target transaction information further comprises:
analyzing the transaction promotion flag bit of the second transaction information chain, and judging whether a promotion user exists or not;
if the promotion user exists, acquiring reward information corresponding to the promotion user;
and sending the reward information to an account corresponding to the second transaction information chain and/or an account of the promotion user.
10. An asset transaction device applied to a target transaction mechanism server, the device comprising:
the third receiving unit is used for judging whether a user corresponding to a second transaction information chain meets transaction conditions or not according to the initial position holding information, the credit granting grade and the target transaction information in the second transaction information chain when the second transaction information chain sent by the bank server is received;
the third execution unit is used for executing the transaction operation corresponding to the target transaction information when the user meets the transaction condition, generating target position holding information according to the target transaction information, and adding the target position holding information to the second transaction information chain to obtain a third transaction information chain;
and the sending unit is used for sending the third transaction information chain to the bank server.
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