CN111160845B - Service processing method and device - Google Patents
Service processing method and device Download PDFInfo
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- CN111160845B CN111160845B CN201911242200.7A CN201911242200A CN111160845B CN 111160845 B CN111160845 B CN 111160845B CN 201911242200 A CN201911242200 A CN 201911242200A CN 111160845 B CN111160845 B CN 111160845B
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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
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/103—Workflow collaboration or project management
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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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0633—Workflow analysis
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The invention discloses a business processing method and device, and relates to the technical field of computers. One embodiment of the method comprises the following steps: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to the service end applet and comprises token information; according to the identity verification information of the user sent by the service end applet, carrying out security verification on the identity of the user; and after the user identity passes the security check, carrying out service processing according to the service flow corresponding to the service type. The implementation method can overcome the defect of limited user groups, only needs to realize one online resource application process for different cooperation platforms aiming at one resource, does not need to provide services for each cooperation platform respectively, saves research and development cost, completes the whole online resource application process, and avoids complex processes of repeated registration, authentication login and the like of a user on a small program.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a service processing method and apparatus.
Background
Along with the variation of customer life application scene habits, the resource application business is upgraded and changed in technology, mode and concept. The current resource application generally takes the following forms: firstly, a user applies for resources at a portal site, a mobile phone service end and the like of a resource provider, the mode depends on the technological strength of the resource provider, the reached user group is limited, and the user can apply for resources by self to a related channel of the resource provider under the condition of having resource requirements. Secondly, the resource provider authorizes to place the resource on the third party platform, the third party platform user applies for the resource according to the own resource demand, the mode depends on the science and technology strength of the resource provider and the third party platform, if the resource provider wants to expand the own resource service scene, the resource provider needs to cooperate with the third party platform one by one, and the API (application program interface) calling process is repeated, and the infrastructure and the construction cost are increased according to the cooperation quantity. Thirdly, the resource provider expands the resource service on the applet, but only after the user arrives at the applet, the user submits the resource application online, related staff contacts the user offline to carry out subsequent authentication, and the applet breaks away from a specific resource service scene, and in addition, in order to ensure the security of the applied transaction, the user needs to independently complete complicated identity recognition processes such as user registration, user authentication and the like after entering the applet.
In the process of implementing the present invention, the inventor finds that at least the following problems exist in the prior art:
in the prior art: the user group of the mode one touch is limited; the second mode resource provider needs to provide services respectively when cooperating with the third party platform, and the research and development cost is high; the applet in the third mode breaks away from a specific resource service scene, the resource application is still carried out on line, and the user needs to independently complete complicated processes such as registration, authentication login and the like after entering the applet.
Disclosure of Invention
In view of this, the embodiments of the present invention provide a service processing method and apparatus, which can overcome the defect of limited user groups, and only needs to implement one online resource application procedure for different collaboration platforms for one resource, without providing services for each collaboration platform, so as to save development cost, complete the whole online resource application procedure based on the collaboration platform and the applet, and avoid complicated procedures of repeated registration, authentication, login, etc. of the user on the applet.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a service processing method.
A business processing method, comprising: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login of the cooperation platform; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end applet, and the graphic code comprises token information for carrying out login authentication on the user by the service end applet; according to the identity verification information of the user sent by the service end applet, carrying out security verification on the identity of the user; and after the user identity passes the security check, carrying out service processing according to the service flow corresponding to the service type.
Optionally, the service request is used for requesting to calculate the available quota of the current application resource of the user; before the step of returning the graphic code to the collaboration platform, the method comprises the following steps: acquiring relevant data of the user according to the user identity information, and measuring and calculating the available limit of the current application resource of the user according to the relevant data of the user; generating a resource pre-examination and approval scheme of the user according to the measured available limit and the related constraint information of the resource; generating the token information according to the user identity information, the service type and the resource pre-approval scheme number; and generating the graphic code according to the path information of the service end applet and the token information.
Optionally, the identity verification information includes the token information and first verification information acquired by the service end applet, where the token information is obtained by the service end applet analyzing the graphic code; the step of performing security verification on the user identity according to the identity verification information of the user sent by the service end applet includes: the identity information of the user is checked according to the token information, and a first security check with a security level higher than that of the identity information is performed according to the identity information of the user and the first check information; wherein the user identity information is obtained according to the token information, and the first verification information comprises at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
Optionally, the method further comprises: receiving a user identifier of a platform to which the service end applet belongs, sent by the service end applet; after the user identity passes the security check, further comprising: binding the user identification with the user identity information.
Optionally, the performing service processing according to the service flow corresponding to the service type includes: acquiring a resource pre-examination and approval scheme of the user according to the resource pre-examination and approval scheme number in the token information; the obtained resource pre-approval scheme is sent to the service end applet; and after the service end applet returns the confirmation information of the user about the resource pre-approval scheme, processing the resource application, and returning the processing result to the service end applet.
According to another aspect of the embodiment of the present invention, a service processing apparatus is provided.
A traffic processing apparatus comprising: the service request receiving module is used for receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login of the cooperation platform; the graphic code returning module is used for returning graphic codes to the cooperation platform, wherein the graphic codes are used for jumping to the service end applet, and the graphic codes comprise token information for the service end applet to log in and authenticate the user; the identity verification module is used for carrying out safety verification on the identity of the user according to the identity verification information of the user sent by the service end applet; and the service processing module is used for carrying out service processing according to the service flow corresponding to the service type after the user identity passes the security check.
Optionally, the service request is used for requesting to calculate the available quota of the current application resource of the user; the apparatus further comprises a graphic code generation module for: acquiring relevant data of the user according to the user identity information, and measuring and calculating the available limit of the current application resource of the user according to the relevant data of the user; generating a resource pre-examination and approval scheme of the user according to the measured available limit and the related constraint information of the resource; generating the token information according to the user identity information, the service type and the resource pre-approval scheme number; and generating the graphic code according to the path information of the service end applet and the token information.
Optionally, the identity verification information includes the token information and first verification information acquired by the service end applet, where the token information is obtained by the service end applet analyzing the graphic code; the identity verification module is further configured to: the identity information of the user is checked according to the token information, and a first security check with a security level higher than that of the identity information is performed according to the identity information of the user and the first check information; wherein the user identity information is obtained according to the token information, and the first verification information comprises at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
Optionally, the apparatus further comprises a data receiving module for: receiving a user identifier of a platform to which the service end applet belongs, sent by the service end applet; the identity verification module is further configured to: binding the user identification with the user identity information.
Optionally, the service processing module is further configured to: acquiring a resource pre-examination and approval scheme of the user according to the resource pre-examination and approval scheme number in the token information; the obtained resource pre-approval scheme is sent to the service end applet; and after the service end applet returns the confirmation information of the user about the resource pre-approval scheme, processing the resource application, and returning the processing result to the service end applet.
According to yet another aspect of an embodiment of the present invention, an electronic device is provided.
An electronic device, comprising: one or more processors; and the memory is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the service processing method provided by the embodiment of the invention.
According to yet another aspect of an embodiment of the present invention, a computer-readable medium is provided.
A computer readable medium having stored thereon a computer program which when executed by a processor implements a service processing method provided by an embodiment of the present invention.
One embodiment of the above invention has the following advantages or benefits: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login cooperation platform; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to the service end applet, and the graphic code comprises token information for the service end applet to log in and authenticate a user; according to the identity verification information of the user sent by the service end applet, carrying out security verification on the identity of the user; and after the user identity passes the security check, carrying out service processing according to the service flow corresponding to the service type. The method can overcome the defect of limited user groups, only one online resource application process is needed to be realized for different cooperation platforms aiming at one resource, and each cooperation platform is not required to be provided with services respectively, so that the research and development cost is saved, the whole online resource application process can be completed based on the cooperation platform and the small program, and complicated processes of repeated registration, authentication login and the like of the user on the small program are avoided.
Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of the main steps of a business processing method according to one embodiment of the present invention;
FIG. 2 is a schematic diagram of a third party platform interaction flow with a banking terminal according to one embodiment of the present invention;
FIG. 3 is a schematic diagram of an applet end-to-bank background interaction flow according to one embodiment of the invention;
fig. 4 is a schematic diagram of main modules of a service processing apparatus according to an embodiment of the present invention;
FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;
fig. 6 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of main steps of a service processing method according to an embodiment of the present invention.
As shown in fig. 1, the service processing method according to an embodiment of the present invention mainly includes the following steps S101 to S104.
Step S101: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login cooperation platform;
step S102: returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to the service end applet, and the graphic code comprises token information for the service end applet to log in and authenticate a user;
step S103: according to the identity verification information of the user sent by the service end applet, carrying out security verification on the identity of the user;
step S104: and after the user identity passes the security check, carrying out service processing according to the service flow corresponding to the service type.
The business processing method of the embodiment of the invention can be executed by a server of a resource provider, and the resource can be financial resources such as loans and the like or other resources suitable for similar application flows. Taking loans as an example, the resource provider is a bank, for example. The collaboration platform is a third party platform that collaborates with the resource provider.
The service type indicates the resource (such as a certain loan product) and the service scene of the specific application, and the service scene is the resource application in the embodiment of the invention.
The user can be a user authenticated by real names on the cooperation platform, and the user identity information can comprise information such as the name, the identification card number and the like of the user.
The graphic code is, for example, a two-dimensional code. The two-dimensional code records data symbol information by using a certain specific geometric figure which is distributed on a plane (in a two-dimensional direction) according to a certain rule and is black-white alternate figure; the concept of "0" and "1" bit streams forming the internal logic foundation of the computer is utilized in code programming, a plurality of geometric shapes corresponding to binary are used for representing literal numerical information, and the literal numerical information is automatically read through an image input device or a photoelectric scanning device to realize automatic information processing.
An applet is an application that can be opened with an applet service platform (e.g., a WeChat) without downloading and installing, and can be used by a user directly by sweeping or nearby searches. The service side applet of the embodiment of the invention can be a WeChat applet.
In one embodiment, the service request is used to request a measurement of the available credit for the user's currently applied resources.
The service request also includes collaboration platform information indicating which collaboration platform is specifically, a collaboration platform identification or other information representing the collaboration platform.
In one embodiment, before the step of returning the graphical code to the collaboration platform, the method comprises: acquiring relevant data of a user according to the user identity information, and measuring and calculating the available limit of the current application resource of the user according to the relevant data of the user; generating a resource pre-examination batch scheme of the user according to the measured available limit and the related constraint information of the resource; generating token information according to the user identity information, the service type and the resource pre-approval scheme number; and generating a graphic code according to the path information and the token information of the service end applet.
Preferably, the data used to generate the token information may include collaboration platform information in addition to user identity information, service type, resource pre-approval scheme number.
Preferably, the data used to generate the graphic code may include valid start-stop time of the token information in addition to path information of the service applet and the token information.
In another embodiment, before the step of returning the graphical code to the collaboration platform, the method comprises: acquiring relevant data of a user according to the user identity information, and measuring and calculating the available limit of the current application resource of the user according to the relevant data of the user; generating a resource pre-examination batch scheme of the user according to the measured available limit and the related constraint information of the resource; generating token information according to the user identity information, the cooperation platform information, the service type and the resource pre-approval scheme number; and generating a graphic code according to the path information, the token information and the valid start-stop time of the token information of the service end applet.
The relevant data of the user is some data of the user, which can be used for measuring the available quota of the resource currently applied by the user, and the data resource provider can be stored in advance or can be obtained by calling a specific interface. Taking the loan application as an example, the user related data may be data reflecting the user's property.
The related constraint information of the resource refers to information constrained by the attribute of the resource itself, for example, a loan, which is constrained by the attribute of interest, term, etc., so the related constraint information of the loan may include the interest of the loan, term of the loan, etc.
In one embodiment, the return of the graphical code to the collaboration platform is based on the return in response to a specific request initiated by the user through the collaboration platform. For example, the user clicks a page button for acquiring the graphic code on the collaboration platform, and triggers the collaboration platform to initiate a request for acquiring the graphic code to the server according to the embodiment of the invention, and the server according to the embodiment of the invention returns the graphic code to the collaboration platform in response to the request.
In another embodiment, the server of the embodiment of the invention can actively send the graphic code to the cooperation platform after generating the graphic code.
The identity verification information may include token information and first verification information acquired by the service side applet, where the token information is obtained by parsing a graphic code by the service side applet. The first verification information includes at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
Biometric information such as fingerprint, iris, etc. The appointed medium, such as a medium bound with the identity of the user provided by the resource provider, takes the loan application as an example, the appointed medium can be a bank card, a U shield and the like, and correspondingly, the appointed medium verification information can be bank card verification information, U shield verification information and the like.
In one embodiment, the security verification for the user identity according to the identity verification information of the user sent by the service side applet includes: the identity information of the user is checked according to the token information, and a first security check with a security level higher than that of the identity information is performed according to the identity information of the user and the first check information; wherein the user identity information is derived from the token information.
In one embodiment, further comprising: and receiving the user identification of the platform to which the service end applet belongs, wherein the user identification is sent by the service end applet. And, after the user identity passes the security check, further comprising: binding the user identification with the user identity information.
The platform to which the service side applet belongs, i.e. the applet service platform, for example, the WeChat platform, and correspondingly, the user identifier may be a WeChat ID (identifier) of the user. Under the condition that verification is passed, the user identification is bound with the user identity information, so that the identity contact and the safety of the user are ensured, and the complicated processes of re-registering and identity authentication when the user crosses the platform are avoided.
In one embodiment, performing service processing according to a service flow corresponding to a service type includes: acquiring a resource pre-examination and approval scheme of a user according to the resource pre-examination and approval scheme number in the token information; the obtained resource pre-approval scheme is sent to a service end applet; after the service end applet returns the confirmation information of the user about the resource pre-examination and approval scheme, the resource application is processed, and a processing result is returned to the service end applet.
The business processing flow of the embodiment of the invention is described in detail below by taking the resource as a loan, the resource provider as a bank, and the business processing as a process for applying for the loan.
In the prior art, the development of banking loan products in the applet is that after a user arrives at the applet, the user submits a loan application online, and related staff and loan users are contacted offline to perform subsequent authentication matters. The loan applet usually breaks away from a specific loan scene, and in addition, in order to ensure the security of the applied transaction, the user generally needs to independently complete complicated identity recognition processes such as user registration, user authentication and the like after entering the applet.
The embodiment of the invention is firstly connected with a loan scene of a specific third party platform, a user obtains the bank pre-credit limit in the loan scene by calling a bank open API (application program interface), and then the bank pre-credit limit is guided into an applet of a bank class by a two-dimensional code. The credit line refers to a flexible, convenient and recyclable credit product provided by a bank to a client, and short-term credit can be provided for the client quickly no matter how much the accumulated issuing amount and the issuing times are, as long as the credit balance does not exceed the corresponding business variety index.
The two-dimensional code of the embodiment of the invention consists of a specific applet path and a parameter token, a user can be directly guided to a loan application page, meanwhile, the user can be directly identified user identity information in the applet to carry out subsequent operation of the loan application, the user is prevented from logging in by reusing a user name and a password, the user is enabled to be connected in a seamless manner on different platforms, and meanwhile, the safety of the user operation is ensured by checking the token. The embodiment of the invention ensures that the bank loan is more closely related to the business scene, and is obviously promoted in convenience and high efficiency.
In addition, the business process of the general loan application on the applet is completed by the bank, and the business process is cooperated with the third party platform, the credit measurement and calculation is completed by the third party platform, for the user obtaining the pre-credit, the user is guided to jump to the applet of the general loan application in a two-dimensional code jump mode, the identity information of the user is checked according to the token parameter information in the two-dimensional code, then the face recognition is carried out on the applet, the subsequent step of the loan application can be continued after the recognition, and the step of registering and logging of the user is omitted.
The embodiment of the invention ensures that the bank only needs to realize one online loan process aiming at a specific loan product, and does not need to provide services for each third party partner respectively. The applet service platforms such as WeChat and the like are already applied to most mobile terminal operating systems, so that the application range of the applet is wide, and the same applet can be associated with different third party platforms. Therefore, the bank can pay more attention to business scene connection and customer drainage, and the research and development cost of the same loan product on different platforms is saved. In addition, the transmission of the user identity information is also taken into consideration in the interaction process of all the parties, the user identity information can be obtained through the token information of the two-dimensional code, and the process that the user repeatedly registers and logs in on a small program of a bank is avoided.
Fig. 2 is a schematic diagram of a third party platform interaction flow with a bank end according to an embodiment of the present invention.
As shown in fig. 2, the user is a user authenticated by a real name on the third party platform, and in a certain scenario, a loan requirement is triggered, for example, the user clicks the credit calculation on the third party platform, then the third party platform sends a credit calculation request to the bank end in a manner of calling the bank open API (S201), and the credit calculation request includes user identity information, service type and information of the third party platform. The bank open API acquires credit information from a bank background by inquiring credit information service (S202, S203), wherein the credit information is a bank credit pre-credit loan amount (the available amount of a user) returned by the bank background according to the condition of the client property, the amount information is obtained by the bank according to the condition of the client property, through scoring by a scoring card and measuring and calculating by an approval business rule, and a loan pre-approval scheme based on the user identity is generated based on the available amount, the loan interest rate, the loan period and the like. The bank open API returns the credit information to the third party platform (S204), where the credit information is returned in real time with the loan pre-approval scheme. The third party platform sends a request for acquiring the two-dimension code to the bank end (S205), the bank open API acquires the token from the bank background (S206), the bank background generates the token based on the user identity information, the third party platform information, the service type and the credit authorization number (namely the credit pre-approval scheme number), the user information and the credit authorization information (credit information) are stored (S207), the bank background returns the generated token (S208), and when the token is returned, the valid start time and the valid end time of the token are also returned. The bank open API combines the applet path URL (uniform resource locator system), token, valid start time, valid end time into a dynamic two-dimensional code to return to the third party platform (S209). When the user checks the loan pre-approval scheme on the third party platform, the third party platform page also displays the dynamic two-dimension code returned by the bank open API.
FIG. 3 is a schematic diagram of an applet end-to-bank background interaction flow according to one embodiment of the invention.
As shown in fig. 3, the user scans the two-dimensional code on the third party platform according to the page prompt of the third party platform by using the WeChat, opens the face recognition page of the specific applet according to the parsed applet URL, and the applet end obtains the WeChat ID of the user, and also parses and obtains the parameter token (S301). The user records a section of face video according to the prompt, and the applet transmits the WeChat ID, token information and the face video to the bank background through the bank open API (S302). The bank background performs user identity information verification according to the token, performs face recognition verification with higher security level again according to the user identity information and the user face video, and binds the WeChat ID with the user identity information after the face recognition is passed (S303). The bank background returns the verification result of step S303 to the bank open API, and returns the result to the applet front end from the API, and the returned information includes the face recognition result and loan scheme information (S304). The loan scheme information is the loan pre-approval scheme of the user obtained according to the loan pre-approval scheme number in the token information. The user checks the face recognition to pass through on the applet and directly enters the subsequent loan application signing flow of the user, specifically, the user confirms detailed loan scheme information on the applet according to a loan pre-approval scheme, authorizes a bank background to perform credit inquiry and confirm signature, the applet end sends the confirmation information of the user on the loan pre-approval scheme to the bank background (S305), and the bank background acquires the confirmation information and then performs loan signing account opening and returns a loan signing result (S306), wherein the detailed loan signing account opening information is included.
The embodiment of the invention skips to the applet based on the two-dimension code, meanwhile, the identity information of the customer and the pre-credit loan scheme information of the customer can be obtained according to the token, the user transmits the WeChat ID, the token and the face recorded video at the applet side, the user information is automatically obtained by the background of the bank, the face recognition verification is carried out, the WeChat ID and the user identity information are bound under the condition of passing the verification, the identity contact and the safety of the user are ensured, and the complicated processes of re-registering and carrying out identity authentication when the user normally crosses the platform are avoided. The user directly confirms the loan application on the applet, and the background of the bank returns the successful subscription information of the loan.
The user arrives at a loan application page through a specific loan scene on a third party cooperation platform, a loan pre-credit limit scheme is returned by a bank background, and the bank background returns a token for identity verification. The open bank API provides a two-dimensional code with a valid period according to the applet URL and token. The method and the system jump to a banking applet from an external third party platform, can acquire user information according to a token, avoid user registration and identity information input, and ensure the safety of user loan information through face recognition. Besides the safety verification of the user identity through face recognition, the embodiment of the invention can also carry out the safety verification of the user identity through the reservation of a mobile phone number by a user-entered bank or through short message verification code verification, bank card verification, U shield verification or other biological recognition modes (fingerprint, iris and the like).
Fig. 4 is a schematic diagram of main modules of a service processing apparatus according to an embodiment of the present invention.
As shown in fig. 4, a service processing apparatus 400 according to an embodiment of the present invention mainly includes: a service request receiving module 401, a graphic code returning module 402, an identity checking module 403 and a service processing module 404.
The service request receiving module 401 is configured to receive a service request sent by the collaboration platform, where the service request includes a service type and user identity information of a current login collaboration platform;
a graphic code returning module 402, configured to return a graphic code to the collaboration platform, where the graphic code is used to jump to the service applet, and the graphic code includes token information for the service applet to log in and authenticate the user;
the identity verification module 403 is configured to perform security verification on the identity of the user according to the identity verification information of the user sent by the service end applet;
and the service processing module 404 is configured to perform service processing according to a service flow corresponding to the service type after the user identity passes the security check.
In one embodiment, the service request may be used to request a measurement of the available credit of the user's currently applied resources, and the service request may also include collaboration platform information.
The service processing device may further comprise a graphics code generation module, which in one embodiment is configured to: acquiring relevant data of a user according to the user identity information, and measuring and calculating the available limit of the current application resource of the user according to the relevant data of the user; generating a resource pre-examination batch scheme of the user according to the measured available limit and the related constraint information of the resource; generating token information according to the user identity information, the cooperation platform information, the service type and the resource pre-approval scheme number; and generating a graphic code according to the path information, the token information and the valid start-stop time of the token information of the service end applet.
In another embodiment, the graphic code generation module is for: acquiring relevant data of a user according to the user identity information, and measuring and calculating the available limit of the current application resource of the user according to the relevant data of the user; generating a resource pre-examination batch scheme of the user according to the measured available limit and the related constraint information of the resource; generating token information according to the user identity information, the service type and the resource pre-approval scheme number; and generating a graphic code according to the path information and the token information of the service end applet.
The identity verification information may include token information and first verification information acquired by the service side applet, where the token information is obtained by parsing a graphic code by the service side applet.
Identity verification module 403 may be specifically configured to: the identity information of the user is checked according to the token information, and a first security check with a security level higher than that of the identity information is performed according to the identity information of the user and the first check information; the user identity information is obtained according to the token information, and the first check information comprises at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
The service processing apparatus 400 may further include a data receiving module for: and receiving the user identification of the platform to which the service end applet belongs, wherein the user identification is sent by the service end applet.
Identity verification module 403 may also be used to: binding the user identification of the platform to which the user belongs in the service end applet with the user identity information.
In one embodiment, the service processing module 404 may be specifically configured to: acquiring a resource pre-examination and approval scheme of a user according to the resource pre-examination and approval scheme number in the token information; the obtained resource pre-approval scheme is sent to a service end applet; after the service end applet returns the confirmation information of the user about the resource pre-examination and approval scheme, the resource application is processed, and a processing result is returned to the service end applet.
In addition, the specific implementation of the service processing device in the embodiment of the present invention is already described in detail in the service processing method described above, so the description is not repeated here.
Fig. 5 illustrates an exemplary system architecture 500 to which a business processing method or business processing apparatus of embodiments of the present invention may be applied.
As shown in fig. 5, the system architecture 500 may include terminal devices 501, 502, 503, a network 504, and a server 505. The network 504 is used as a medium to provide communication links between the terminal devices 501, 502, 503 and the server 505. The network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
A user may interact with the server 505 via the network 504 using the terminal devices 501, 502, 503 to receive or send messages or the like. Various communication client applications may be installed on the terminal devices 501, 502, 503, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 501, 502, 503 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.
The server 505 may be a server providing various services, such as a background management server (by way of example only) providing support for shopping-type websites browsed by users using the terminal devices 501, 502, 503. The background management server may analyze and process the received data such as the product information query request, and feedback the processing result (e.g., the target push information, the product information—only an example) to the terminal device.
It should be noted that, the service processing method provided in the embodiment of the present application is generally executed by the server 505, and accordingly, the service processing apparatus is generally disposed in the server 505.
It should be understood that the number of terminal devices, networks and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 6, there is illustrated a schematic diagram of a computer system 600 suitable for use in implementing a terminal device or server in accordance with an embodiment of the present application. The terminal device or server shown in fig. 6 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present application.
As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other through a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, mouse, etc.; an output portion 607 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The drive 610 is also connected to the I/O interface 605 as needed. Removable media 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on drive 610 so that a computer program read therefrom is installed as needed into storage section 608.
In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the present application are performed when the computer program is executed by a Central Processing Unit (CPU) 601.
The computer readable medium shown in the present application may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present application, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules involved in the embodiments of the present application may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor comprises a service request receiving module, a graphic code returning module, an identity checking module and a service processing module. The names of these modules do not in any way constitute a limitation on the module itself, and for example, the service request receiving module may also be described as "a module for receiving a service request sent by the collaboration platform".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login of the cooperation platform; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end applet, and the graphic code comprises token information for carrying out login authentication on the user by the service end applet; according to the identity verification information of the user sent by the service end applet, carrying out security verification on the identity of the user; and after the user identity passes the security check, carrying out service processing according to the service flow corresponding to the service type.
According to the technical scheme of the embodiment of the invention, a service request sent by a cooperation platform is received, wherein the service request comprises a service type and user identity information of a current login cooperation platform; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to the service end applet, and the graphic code comprises token information for the service end applet to log in and authenticate a user; according to the identity verification information of the user sent by the service end applet, carrying out security verification on the identity of the user; and after the user identity passes the security check, carrying out service processing according to the service flow corresponding to the service type. The method can overcome the defect of limited user groups when touching, and only needs to realize one online resource application process for different cooperation platforms aiming at one resource, and each cooperation platform is not required to be provided with services respectively, so that the research and development cost is saved, the whole online resource application process can be completed based on the cooperation platform and the small program, and complicated processes of repeated registration, authentication login and the like of the user on the small program are avoided.
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.
Claims (10)
1. A service processing method, wherein the service processing method is executed by a server, and comprises:
receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login of the cooperation platform;
returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end applet, and the graphic code comprises token information for carrying out login authentication on the user by the service end applet;
according to the identity verification information of the user sent by the service end applet, carrying out security verification on the identity of the user;
after the user identity passes the security check, carrying out service processing according to a service flow corresponding to the service type;
The data used for generating the token information comprises the user identity information, the service type and a resource pre-approval scheme number; the identity verification information comprises token information obtained by analyzing the graphic code by the service end applet; the step of performing security verification on the user identity according to the identity verification information of the user sent by the service end applet includes: and verifying the token information sent by the service end applet according to the token information.
2. The method of claim 1, wherein the service request is used for requesting to measure and calculate an available credit of the user's current application resource;
before the step of returning the graphic code to the collaboration platform, the method comprises the following steps:
acquiring relevant data of the user according to the user identity information, and measuring and calculating the available limit of the current application resource of the user according to the relevant data of the user;
generating a resource pre-examination and approval scheme of the user according to the measured available limit and the related constraint information of the resource;
generating the token information according to the user identity information, the service type and the resource pre-approval scheme number;
And generating the graphic code according to the path information of the service end applet and the token information.
3. The method of claim 2, wherein the identity verification information further comprises first verification information obtained by the service applet;
the step of carrying out security verification on the user identity according to the identity verification information of the user sent by the service end applet, and the step of further comprises:
according to the user identity information and the first verification information, performing first security verification with a security level higher than that of the identity information verification; wherein the first verification information includes at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
4. A method according to claim 3, further comprising:
receiving a user identifier of a platform to which the service end applet belongs, sent by the service end applet;
after the user identity passes the security check, further comprising:
binding the user identification with the user identity information.
5. The method of claim 2, wherein performing the service according to the service flow corresponding to the service type comprises:
Acquiring a resource pre-examination and approval scheme of the user according to the resource pre-examination and approval scheme number in the token information;
the obtained resource pre-approval scheme is sent to the service end applet;
and after the service end applet returns the confirmation information of the user about the resource pre-approval scheme, processing the resource application, and returning the processing result to the service end applet.
6. A service processing apparatus, wherein the service processing apparatus is provided in a server, and comprises:
the service request receiving module is used for receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login of the cooperation platform;
the graphic code returning module is used for returning graphic codes to the cooperation platform, wherein the graphic codes are used for jumping to the service end applet, and the graphic codes comprise token information for the service end applet to log in and authenticate the user;
the identity verification module is used for carrying out safety verification on the identity of the user according to the identity verification information of the user sent by the service end applet;
The service processing module is used for carrying out service processing according to the service flow corresponding to the service type after the user identity passes the security check;
the data used for generating the token information comprises the user identity information, the service type and a resource pre-approval scheme number; the identity verification information comprises token information obtained by analyzing the graphic code by the service end applet; the identity verification module is further configured to: and verifying the token information sent by the service end applet according to the token information.
7. The apparatus of claim 6, wherein the service request is for requesting to measure and calculate an available credit for the user's currently applied resources;
the apparatus further comprises a graphic code generation module for:
acquiring relevant data of the user according to the user identity information, and measuring and calculating the available limit of the current application resource of the user according to the relevant data of the user;
generating a resource pre-examination and approval scheme of the user according to the measured available limit and the related constraint information of the resource;
generating the token information according to the user identity information, the service type and the resource pre-approval scheme number;
And generating the graphic code according to the path information of the service end applet and the token information.
8. The apparatus of claim 7, wherein the identity verification information further comprises first verification information obtained by the service applet;
the identity verification module is further configured to:
according to the user identity information and the first verification information, performing first security verification with a security level higher than that of the identity information verification; wherein the first verification information includes at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
9. An electronic device, comprising:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-5.
10. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-5.
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| CN111695986B (en) * | 2020-05-29 | 2023-09-26 | 中国建设银行股份有限公司 | Method and device for controlling accumulated gold image |
| CN111698312B (en) * | 2020-06-08 | 2022-10-21 | 中国建设银行股份有限公司 | Service processing method, device, equipment and storage medium based on open platform |
| CN111768204A (en) * | 2020-06-17 | 2020-10-13 | 中国建设银行股份有限公司 | Service processing method and device |
| CN111770184B (en) * | 2020-06-30 | 2021-03-30 | 浙江口碑网络技术有限公司 | Method and device for realizing service based on small program |
| CN112215592B (en) * | 2020-09-21 | 2023-06-30 | 建信金融科技有限责任公司 | Data processing method and system |
| CN112464194A (en) * | 2020-11-25 | 2021-03-09 | 数字广东网络建设有限公司 | Resource acquisition method and device, computer equipment and storage medium |
| CN112598497A (en) * | 2020-12-15 | 2021-04-02 | 中国建设银行股份有限公司 | Resource service processing system and method |
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