CN111340503A - Transaction method, device, equipment and storage medium - Google Patents
Transaction method, device, equipment and storage medium Download PDFInfo
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- CN111340503A CN111340503A CN202010129530.1A CN202010129530A CN111340503A CN 111340503 A CN111340503 A CN 111340503A CN 202010129530 A CN202010129530 A CN 202010129530A CN 111340503 A CN111340503 A CN 111340503A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- 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
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Abstract
The application discloses a transaction method, a device, equipment and a storage medium, wherein the method comprises the following steps: acquiring transaction identification information of a user; acquiring real-name identity information of a user according to the transaction identification information; outputting corresponding transaction options according to the real-name identity information of the user; and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information. According to the method, the user real-name identity information can be acquired at the background only by the user needing to fill in the transaction identification information, and then transaction options are provided for the user based on the user real-name identity information, so that the transaction operation of the user is realized, the complexity of the transaction process of the user is relatively reduced, and the efficiency and the success rate of the user in executing the transaction operation are relatively ensured. In addition, the application also provides a transaction device, equipment and a storage medium, and the beneficial effects are as described above.
Description
Technical Field
The present application relates to the field of internet of things, and in particular, to a transaction method, apparatus, device, and storage medium.
Background
With the rapid development of computers, electronic keys, satellite positioning systems, and mobile communication technologies, the application of various transaction platforms is becoming widespread in society. The user can carry out the transaction operation of the product through the transaction platform and pay corresponding fees.
The current process of the user trading on the trading platform generally requires the user to register and provide a series of real-name information, the trading can be carried out in the trading platform only if the steps are passed, and the steps are relatively complicated, so that the efficiency of the user in executing the trading operation and the success rate of the trading are difficult to ensure.
It can be seen that providing a transaction method to relatively ensure the efficiency of the transaction operation performed by the user and the success rate of the transaction is a problem to be solved by those skilled in the art.
Disclosure of Invention
The application aims to provide a transaction method, a transaction device and a transaction storage medium, so as to relatively ensure the efficiency of transaction operation executed by a user and the success rate of transaction.
In order to solve the above technical problem, the present application provides a transaction method, including:
acquiring transaction identification information of a user;
acquiring real-name identity information of a user according to the transaction identification information;
outputting corresponding transaction options according to the real-name identity information of the user;
and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information.
Preferably, the transaction identification information includes account information for which real-name authentication has been completed; acquiring real-name identity information of a user according to the transaction identification information, which specifically comprises the following steps:
acquiring associated real-name identity information corresponding to the account information;
outputting the associated real-name identity information to enable a user to confirm whether the associated real-name identity information is the user real-name identity information;
and determining the real-name identity information as the user real-name identity information after the user confirmation is obtained.
Preferably, before outputting the corresponding transaction option according to the user real-name identity information, the method further comprises:
judging whether the real-name identity information of the user is the identity information associated with the registered account of the transaction platform;
if yes, executing a step of outputting a corresponding transaction option according to the real-name identity information;
if not, registering a transaction account in the transaction platform according to the user real-name identity information and the account information, and then executing the step of outputting corresponding transaction options according to the user real-name identity information.
Preferably, after determining that the real-name identity information of the user is not identity information associated with a registered account of the transaction platform, the method further includes:
judging whether a historical trading account consistent with the account information exists in the trading platform;
if yes, updating the real-name identity information of the historical transaction account into the real-name identity information of the user, determining the updated historical transaction account as the transaction account of the user, and then executing the step of outputting the corresponding transaction option according to the real-name identity information;
and if the user identity information does not exist, the step of registering the transaction account in the transaction platform according to the user real-name identity information and the account information is executed.
Preferably, registering a transaction account in the transaction platform according to the real-name identity information and the account information of the user specifically includes:
acquiring qualification card information corresponding to the user real-name identity information;
registering a transaction account in the transaction platform based on the user real-name identity information, the credential information, and the account information.
Preferably, before obtaining the credential information corresponding to the user real-name identity information, the method further includes:
judging whether the qualification certificate information corresponding to the user real-name identity information exists or not;
if yes, executing the step of obtaining the qualification card information corresponding to the user real-name identity information;
if not, generating an abnormal prompt.
In addition, the present application also provides a transaction apparatus comprising:
the identification information acquisition module is used for acquiring the transaction identification information of the user;
the real-name information acquisition module is used for acquiring the real-name identity information of the user according to the transaction identification information;
the transaction option output module is used for outputting a corresponding transaction option according to the real-name identity information of the user;
and the transaction execution module is used for determining target transaction information according to the selection of the user and executing the target transaction according to the target transaction information.
Preferably, the transaction identification information includes account information for which real-name authentication has been completed;
real name information acquisition module includes:
the association module is used for acquiring the associated real-name identity information corresponding to the account information;
the output confirmation module is used for outputting the associated real-name identity information so as to ensure that a user confirms whether the associated real-name identity information is the user real-name identity information;
and the real-name information determining module is used for determining the real-name identity information as the user real-name identity information after the user is confirmed.
In addition, the present application also provides a transaction device comprising:
a memory for storing a computer program;
a processor for implementing the steps of the transaction method as described above when executing the computer program.
Furthermore, the present application also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the transaction method as described above.
The transaction method provided by the application acquires the transaction identification information of a user; acquiring real-name identity information of a user according to the transaction identification information; outputting corresponding transaction options according to the real-name identity information of the user; and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information. According to the method, the user real-name identity information can be acquired at the background only by the user needing to fill in the transaction identification information, and then transaction options are provided for the user based on the user real-name identity information, so that the transaction operation of the user is realized, the complexity of the transaction process of the user is relatively reduced, and the efficiency and the success rate of the user in executing the transaction operation are relatively ensured. In addition, the application also provides a transaction device, equipment and a storage medium, and the beneficial effects are as described above.
Drawings
In order to more clearly illustrate the embodiments of the present application, the drawings needed for the embodiments will be briefly described below, and those skilled in the art will be able to derive other drawings without inventive effort.
FIG. 1 is a flow chart of a transaction method disclosed herein;
FIG. 2 is a flow chart of a transaction method disclosed herein;
FIG. 3 is a schematic diagram of a transaction device according to the present disclosure;
fig. 4 is a schematic structural diagram of a transaction device disclosed in the present application.
Detailed Description
The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present application without any creative effort belong to the protection scope of the present application.
The current process of the user trading on the trading platform generally requires the user to register and provide a series of real-name information, the trading can be carried out in the trading platform only if the steps are passed, and the steps are relatively complicated, so that the efficiency of the user in executing the trading operation and the success rate of the trading are difficult to ensure.
The core of the application is to provide a trading method to relatively ensure the efficiency of the user in executing the trading operation and the success rate of the trading. At the other core of the application, a transaction device, equipment and a storage medium are provided.
In order that those skilled in the art will better understand the disclosure, the following detailed description will be given with reference to the accompanying drawings.
Referring to fig. 1, an embodiment of the present application discloses a transaction method, including:
step S10: transaction identification information of a user is acquired.
The transaction identification information in this step refers to an identification capable of uniquely representing the identity of the user, including but not limited to the mobile phone number, the application account number, the identity document information, the account identity identification code, and the like of the user.
Step S11: and acquiring the real-name identity information of the user according to the transaction identification information.
It should be noted that, in this embodiment, a corresponding relationship between the transaction identification information and the user real-name identity information is stored in advance, and then the user real-name identity information associated with the transaction identification information can be directly obtained in this step.
Step S12: and outputting corresponding transaction options according to the real-name identity information of the user.
After the user real-name identity information is acquired, the step further outputs a transaction option matched with the user real-name identity information according to the user real-name identity information, so that the user can execute corresponding transaction operation in a targeted manner according to the transaction option, the transaction option refers to a parameter which can be selected by the user and is related to the transaction, and the essence of the transaction operation executed by the user is that the user inputs transaction information according to the transaction option.
Step S13: and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information.
After the user performs the selection operation with pertinence according to the transaction option, the step further determines the target transaction information according to the selection of the user, and executes the target transaction according to the target transaction information.
The transaction method provided by the application acquires the transaction identification information of a user; acquiring real-name identity information of a user according to the transaction identification information; outputting corresponding transaction options according to the real-name identity information of the user; and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information. According to the method, the user real-name identity information can be acquired at the background only by the user needing to fill in the transaction identification information, and then transaction options are provided for the user based on the user real-name identity information, so that the transaction operation of the user is realized, the complexity of the transaction process of the user is relatively reduced, and the efficiency and the success rate of the user in executing the transaction operation are relatively ensured.
Referring to fig. 2, an embodiment of the present application discloses a transaction method, including:
step S20: and acquiring the transaction identification information of the user, wherein the transaction identification information comprises account information which is subjected to real-name authentication.
It should be noted that the account information in this embodiment may specifically be mobile communication account information including a mobile phone number, payment account information, account information including driver license information and the like that has completed real-name authentication.
Step S21: and acquiring the associated real-name identity information corresponding to the account information.
Step S22: and outputting the associated real-name identity information to ensure that the user confirms whether the associated real-name identity information is the user real-name identity information.
Step S23: and determining the real-name identity information as the user real-name identity information after the user confirmation is obtained.
It should be noted that, after the associated real-name identity information is output to enable the user to confirm whether the associated real-name identity information is the user real-name identity information, if the user does not confirm, the user is prompted to modify the associated real-name identity information, and the real-name identity information modified by the user is determined as the user real-name identity information.
Step S24: and outputting corresponding transaction options according to the real-name identity information of the user.
Step S25: and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information.
In the embodiment, the corresponding associated real-name identity information is obtained based on the account information which has completed the real-name authentication, and then the associated real-name identity information is output, so that the user can confirm whether the user real-name identity information is the user real-name identity information, the accuracy of the user real-name identity information is relatively ensured, and the overall reliability of the transaction process is further ensured.
On the basis of the above embodiment, as a preferred implementation manner, before outputting the corresponding transaction option according to the real-name identity information of the user, the method further includes:
judging whether the real-name identity information of the user is the identity information associated with the registered account of the transaction platform;
if yes, executing a step of outputting a corresponding transaction option according to the real-name identity information;
if not, registering a transaction account in the transaction platform according to the user real-name identity information and the account information, and then executing the step of outputting corresponding transaction options according to the user real-name identity information.
It should be noted that the key point of this embodiment is to first determine whether the user real-name identity information is the identity information associated with the registered account of the transaction platform before outputting the corresponding transaction option according to the user real-name identity information, and if so, it indicates that the user real-name identity information is already used as the user identity information corresponding to the existing account of the transaction platform, so in this case, this embodiment directly executes the step of outputting the corresponding transaction option according to the real-name identity information; on the contrary, if the real-name identity information of the user is not the identity information of the registered account in the transaction platform, it indicates that the real-name identity information of the user does not belong to the identity information associated with the existing account in the transaction platform, and therefore, the user does not have the authority to perform the transaction in the transaction platform based on the real-name identity information of the user. The embodiment relatively ensures the overall reliability of the transaction of the user in the transaction platform.
In addition, as a preferred embodiment, after determining that the real-name identity information of the user is not identity information associated with a registered account of the transaction platform, the method further includes:
judging whether a historical trading account consistent with the account information exists in the trading platform;
if yes, updating the real-name identity information of the historical transaction account into the real-name identity information of the user, determining the updated historical transaction account as the transaction account of the user, and then executing the step of outputting the corresponding transaction option according to the real-name identity information;
and if the user identity information does not exist, the step of registering the transaction account in the transaction platform according to the user real-name identity information and the account information is executed.
It should be noted that the key point of this embodiment is to determine whether the transaction platform has a historical transaction account consistent with the account information after determining that the user real-name identity information is not identity information associated with a registered account of the transaction platform, if so, update the real-name identity information of the historical transaction account to the user real-name identity information, determine the updated historical transaction account as the transaction account of the user, and then execute a step of outputting a corresponding transaction option according to the real-name identity information, which is equivalent to multiplexing the historical transaction account, thereby relatively improving the acquisition efficiency of the transaction account; if the transaction platform does not have a historical transaction account consistent with the account information, the step of registering the transaction account in the transaction platform according to the real-name identity information and the account information of the user is further executed. The embodiment further ensures the overall efficiency of the transaction operation.
On the basis of the above embodiment, as a preferred embodiment, registering a transaction account in a transaction platform according to user real-name identity information and account information specifically includes:
acquiring qualification card information corresponding to the user real-name identity information;
registering a transaction account in the transaction platform based on the user real-name identity information, the credential information, and the account information.
It should be noted that, in consideration of the fact that in an actual scenario, a user needs to have a usage qualification for a transaction object on the premise that the user completes a transaction on a transaction platform, in this embodiment, a transaction account is registered in the transaction platform according to user real-name identity information and account information, and specifically, first, qualification certificate information corresponding to the user real-name identity information is obtained, and then, a transaction account is registered in the transaction platform based on the user real-name identity information, qualification certificate information, and account information, so that integrity and comprehensiveness of information associated with the transaction account in the transaction platform can be relatively ensured, and further, overall reliability of the transaction is ensured.
On the basis of the foregoing embodiment, as a preferred embodiment, before acquiring the credential information corresponding to the user real-name identity information, the method further includes:
judging whether the qualification certificate information corresponding to the user real-name identity information exists or not;
if yes, executing the step of obtaining the qualification card information corresponding to the user real-name identity information;
if not, generating an abnormal prompt.
It should be noted that, in the embodiment, before acquiring the qualification information corresponding to the user real-name identity information, it is first determined whether the qualification information corresponding to the user real-name identity information exists, if so, the qualification information corresponding to the user real-name identity information is acquired, otherwise, the user is considered not to satisfy the basic conditions for performing the transaction, so that an exception prompt is generated, and the embodiment relatively ensures the overall reliability of the transaction.
In order to enhance the understanding of the above embodiments, a specific embodiment of the trading platform in a practical application scenario is provided below.
In this embodiment, the transaction platform is specifically a shared vehicle platform, and the transaction performed by the user in the shared vehicle platform is specifically a shared vehicle renting transaction.
1. The user firstly authorizes to log in the shared vehicle platform through the third party platform, obtains the mobile phone number associated with the third party platform, and prompts the user to fill in the owned real-name mobile phone number if the associated mobile phone number is not inquired. And acquiring user real-name identity information associated with the mobile phone number from a communication operator according to the mobile phone number, and performing living body detection authentication if the mobile phone number is not real-name. If the name is true, the next step is carried out.
2. And the shared vehicle platform displays the identity card information acquired by the mobile phone number to the user to confirm whether the identity card information is consistent or not, if the identity card information is inconsistent, the identity card information is manually modified, if the identity card information is consistent, a popup window prompts the user to ensure that the identity card information is owned by the user, otherwise, corresponding legal risks can be borne. And clicking to confirm that the identity authentication is passed, and entering the next step.
3. And checking whether the corresponding shared vehicle account exists or not by the shared vehicle platform according to the acquired mobile phone number, if so, comparing whether the user real-name identity information associated with the mobile phone is the same as the user real-name identity information of the shared vehicle account stored by the shared vehicle platform, and if not, updating the user real-name identity information of the shared vehicle account in the shared vehicle platform to ensure the consistency of the user real-name identity information associated with the mobile phone number and the user real-name identity information of the shared vehicle account stored by the shared vehicle platform. If the real-name identity information of the user is the same, transaction options are provided for the user, and then the user can select a vehicle to place an order in the transaction options. If the shared vehicle account is not stored, the shared vehicle account is directly registered in the background according to the mobile phone number and the real-name identity information of the associated user, and the driving license information is inquired according to the real-name identity information of the user. And if the driving license information does not exist, prompting that the vehicle cannot be hired without the driving license. And if the driving license exists, the user and the real-name identity information of the user are considered to meet the vehicle renting condition, the driving license information of the user is stored or updated, and the next step is carried out.
4. And the user selects the vehicle to place an order according to the transaction option, the transaction option only shows the vehicle meeting the user renting requirement, for example, the user driving license is C2, and the list does not show the manual transmission vehicle. And if the driving license of the user is C1, the automatic-gear and manual-gear vehicles are displayed, and the user selects one vehicle and can rent the vehicle by selecting the renting time.
In order to further understand the above embodiments, another specific embodiment of the trading platform in a practical application scenario is provided below.
In this embodiment, the transaction platform is specifically an e-commerce platform, and the transaction performed by the user in the e-commerce platform is specifically a commodity purchase transaction.
1. The user firstly authorizes the third party platform to log in the e-commerce platform, obtains a bank card account number associated with the third party platform, and prompts the user to fill in the owned bank card account number with the real name if the associated bank card account number is not inquired. And acquiring real-name identity information of the user associated with the bank card account according to the bank card account, and if the bank card account is not real-name, performing living body detection authentication. If the name is true, the next step is carried out.
2. The E-commerce platform displays the identity card information acquired through the bank card account number to a user to confirm whether the identity card information is consistent or not, if the identity card information is consistent, a popup window prompts the user to ensure that the identity card information is owned by the user, and otherwise, corresponding legal risks can be borne. And clicking to confirm that the identity authentication is passed, and entering the next step.
3. And checking whether the corresponding e-commerce account exists in the obtained bank card account number e-commerce platform, if so, comparing whether the user real-name identity information associated with the bank card account number is the same as the user real-name identity information of the e-commerce account number stored in the e-commerce platform, and if not, updating the user real-name identity information of the e-commerce account number in the e-commerce platform so as to ensure the consistency between the user real-name identity information associated with the bank card account number and the user real-name identity information of the transaction account stored in the e-commerce platform. And if the real-name identity information of the user is the same, providing transaction options for the user, and further enabling the user to select commodities to place orders in the transaction options. If the bank card account is not stored, the account is directly registered in the background according to the bank card account and the associated user real-name identity information, and transaction options are provided for the user.
4. And the user selects the commodity to place an order according to the transaction option.
Referring to fig. 3, an embodiment of the present application discloses a transaction apparatus, including:
an identification information obtaining module 10, configured to obtain transaction identification information of a user;
the real-name information acquisition module 11 is used for acquiring the real-name identity information of the user according to the transaction identification information;
the transaction option output module 12 is used for outputting a corresponding transaction option according to the real-name identity information of the user;
and the transaction execution module 13 is used for determining target transaction information according to the selection of the user and executing the target transaction according to the target transaction information.
The transaction device provided by the application acquires the transaction identification information of a user; acquiring real-name identity information of a user according to the transaction identification information; outputting corresponding transaction options according to the real-name identity information of the user; and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information. The device can acquire the real-name identity information of the user at the background only by the user needing to fill in the transaction identification information, and further provides transaction options for the user based on the real-name identity information of the user, so that the transaction operation of the user is realized, the complexity of the transaction process of the user is relatively reduced, and the efficiency and the success rate of the user in executing the transaction operation are relatively ensured.
Further, as a preferred embodiment, the transaction identification information includes account information for which real-name authentication has been completed;
real name information acquisition module includes:
the association module is used for acquiring the associated real-name identity information corresponding to the account information;
the output confirmation module is used for outputting the associated real-name identity information so as to ensure that a user confirms whether the associated real-name identity information is the user real-name identity information;
and the real-name information determining module is used for determining the real-name identity information as the user real-name identity information after the user is confirmed.
Further, as a preferred embodiment, the apparatus further comprises:
the registration judgment module is used for judging whether the real-name identity information of the user is the identity information associated with the registered account of the transaction platform, if so, the transaction option output module 12 is called, and otherwise, the registration module and the transaction option output module 12 are called;
and the registration module is used for registering a transaction account in the transaction platform according to the real-name identity information and the account information of the user.
Further, as a preferred embodiment, the apparatus further comprises:
and the consistency judging module is used for judging whether the transaction platform has a historical transaction account consistent with the account information, if so, the updating module and the transaction option output module 12 are called, and otherwise, the registering module is called.
In addition, as a preferred embodiment, the registration module includes:
the qualification acquiring module is used for acquiring qualification card information corresponding to the real-name identity information of the user;
and the transaction account registration module is used for registering a transaction account in the transaction platform based on the user real-name identity information, the qualification certificate information and the account information.
Further, as a preferred embodiment, the apparatus further comprises:
the qualification judging module is used for judging whether qualification certificate information corresponding to the user real-name identity information exists or not, if so, the qualification acquiring module is called, and otherwise, the abnormal module is called;
and the exception module is used for generating exception prompts.
Referring to fig. 4, an embodiment of the present application discloses a transaction device, including:
a memory 20 for storing a computer program;
a processor 21 for acquiring transaction identification information of a user when executing a computer program; acquiring real-name identity information of a user according to the transaction identification information; outputting corresponding transaction options according to the real-name identity information of the user; and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information.
The transaction equipment provided by the application acquires the transaction identification information of a user; acquiring real-name identity information of a user according to the transaction identification information; outputting corresponding transaction options according to the real-name identity information of the user; and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information. According to the equipment, the user real-name identity information can be acquired at the background only by the user needing to fill in the transaction identification information, and then transaction options are provided for the user based on the user real-name identity information, so that the transaction operation of the user is realized, the complexity of the transaction process of the user is relatively reduced, and the efficiency and the success rate of the user in executing the transaction operation are relatively ensured.
As a preferred embodiment, the transaction identification information includes account information that has completed real-name authentication, and the processor obtains the user real-name identity information according to the transaction identification information, specifically including: acquiring associated real-name identity information corresponding to the account information; outputting the associated real-name identity information to enable a user to confirm whether the associated real-name identity information is the user real-name identity information; and determining the real-name identity information as the user real-name identity information after the user confirmation is obtained.
As a preferred embodiment, before the processor outputs the corresponding transaction option according to the real-name identity information of the user, the method further includes: judging whether the real-name identity information of the user is the identity information associated with the registered account of the transaction platform; if yes, executing a step of outputting a corresponding transaction option according to the real-name identity information; if not, registering a transaction account in the transaction platform according to the user real-name identity information and the account information, and then executing the step of outputting corresponding transaction options according to the user real-name identity information.
As a preferred embodiment, after determining that the real-name identity information of the user is not identity information associated with a registered account of the transaction platform, the processor further includes: judging whether a historical trading account consistent with the account information exists in the trading platform; if yes, updating the real-name identity information of the historical transaction account into the real-name identity information of the user, determining the updated historical transaction account as the transaction account of the user, and then executing the step of outputting the corresponding transaction option according to the real-name identity information; and if the user identity information does not exist, the step of registering the transaction account in the transaction platform according to the user real-name identity information and the account information is executed.
As a preferred embodiment, the registering, by the processor, the transaction account in the transaction platform according to the real-name identity information and the account information of the user specifically includes: acquiring qualification card information corresponding to the user real-name identity information; registering a transaction account in the transaction platform based on the user real-name identity information, the credential information, and the account information.
As a preferred embodiment, before obtaining the credential information corresponding to the user real-name identity information, the method further includes: judging whether the qualification certificate information corresponding to the user real-name identity information exists or not; if yes, executing the step of obtaining the qualification card information corresponding to the user real-name identity information; if not, generating an abnormal prompt.
Furthermore, the present application also discloses a computer readable storage medium having a computer program stored thereon, which when executed by a processor implements the steps of the transaction method as described above.
The computer-readable storage medium provided by the application acquires transaction identification information of a user; acquiring real-name identity information of a user according to the transaction identification information; outputting corresponding transaction options according to the real-name identity information of the user; and determining target transaction information according to the selection of the user, and executing the target transaction according to the target transaction information. The computer-readable storage medium can acquire the real-name identity information of the user at the background only by the user needing to fill in the transaction identification information, and further provides transaction options for the user based on the real-name identity information of the user, so that the transaction operation of the user is realized, the complexity of the transaction process of the user is relatively reduced, and the efficiency and the success rate of the user in executing the transaction operation are relatively ensured.
A transaction method, a transaction device, a transaction apparatus, and a transaction storage medium provided by the present application are described in detail above. The embodiments are described in a progressive manner in the specification, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description. It should be noted that, for those skilled in the art, it is possible to make several improvements and modifications to the present application without departing from the principle of the present application, and such improvements and modifications also fall within the scope of the claims of the present application.
It is further noted that, in the present specification, relational terms such as first and second, and the like are 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. The term "comprising", without further limitation, means that the element so defined is not excluded from the group consisting of additional identical elements in the process, method, article, or apparatus that comprises the element.
Claims (10)
1. A method of trading, comprising:
acquiring transaction identification information of a user;
acquiring real-name identity information of the user according to the transaction identification information;
outputting corresponding transaction options according to the user real-name identity information;
and determining target transaction information according to the selection of the user, and executing target transaction according to the target transaction information.
2. The transaction method according to claim 1, wherein the transaction identification information includes account information for which real name authentication has been completed; the acquiring of the real-name identity information of the user according to the transaction identification information specifically includes:
acquiring associated real-name identity information corresponding to the account information;
outputting the associated real-name identity information to enable a user to confirm whether the associated real-name identity information is the user real-name identity information;
and determining the real-name identity information as the user real-name identity information after the user confirmation is obtained.
3. The transaction method according to claim 2, wherein before the outputting the corresponding transaction option according to the user real-name identity information, the method further comprises:
judging whether the user real-name identity information is the identity information associated with the registered account of the transaction platform;
if yes, executing the step of outputting the corresponding transaction option according to the real-name identity information;
if not, registering a transaction account in the transaction platform according to the user real-name identity information and the account information, and then executing the step of outputting a corresponding transaction option according to the user real-name identity information.
4. The transaction method according to claim 3, wherein after determining that the user real-name identity information is not identity information associated with a registered account of the transaction platform, the method further comprises:
judging whether the transaction platform has a historical transaction account consistent with the account information;
if yes, updating the real-name identity information of the historical transaction account into the user real-name identity information, determining the updated historical transaction account as the transaction account of the user, and then executing the step of outputting the corresponding transaction option according to the real-name identity information;
and if the user real name identity information does not exist, the step of registering the transaction account in the transaction platform according to the user real name identity information and the account information is executed.
5. The transaction method according to claim 4, wherein registering a transaction account in the transaction platform according to the user real-name identity information and the account information specifically includes:
acquiring qualification card information corresponding to the user real-name identity information;
registering a transaction account in the transaction platform based on the user real-name identity information, the credential information, and the account information.
6. The transaction method according to claim 5, wherein before the obtaining of the qualification information corresponding to the real-name identity information of the user, the method further comprises:
judging whether the qualification card information corresponding to the user real-name identity information exists or not;
if yes, executing the step of acquiring the qualification card information corresponding to the user real-name identity information;
if not, generating an abnormal prompt.
7. A transaction apparatus, comprising:
the identification information acquisition module is used for acquiring the transaction identification information of the user;
the real-name information acquisition module is used for acquiring the real-name identity information of the user according to the transaction identification information;
the transaction option output module is used for outputting a corresponding transaction option according to the user real-name identity information;
and the transaction execution module is used for determining target transaction information according to the selection of the user and executing the target transaction according to the target transaction information.
8. The transaction arrangement according to claim 7, wherein the transaction identification information includes account information that has completed real name authentication;
the real name information acquisition module comprises:
the association module is used for acquiring the associated real-name identity information corresponding to the account information;
the output confirmation module is used for outputting the associated real-name identity information so as to ensure that a user confirms whether the associated real-name identity information is the user real-name identity information;
and the real-name information determining module is used for determining the real-name identity information as the user real-name identity information after the user is confirmed.
9. A transaction device, comprising:
a memory for storing a computer program;
a processor for implementing the steps of the transaction method according to any one of claims 1 to 6 when executing the computer program.
10. A computer-readable storage medium, characterized in that a computer program is stored on the computer-readable storage medium, which computer program, when being executed by a processor, carries out the steps of the transaction method according to any one of claims 1 to 6.
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| CN202010129530.1A CN111340503A (en) | 2020-02-28 | 2020-02-28 | Transaction method, device, equipment and storage medium |
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| CN202010129530.1A CN111340503A (en) | 2020-02-28 | 2020-02-28 | Transaction method, device, equipment and storage medium |
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Application publication date: 20200626 |