CN111681010A - Transaction verification method and device - Google Patents
Transaction verification method and device Download PDFInfo
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- CN111681010A CN111681010A CN202010529091.3A CN202010529091A CN111681010A CN 111681010 A CN111681010 A CN 111681010A CN 202010529091 A CN202010529091 A CN 202010529091A CN 111681010 A CN111681010 A CN 111681010A
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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
- 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
Abstract
The application discloses a transaction verification method. In practical application, when a legal user uses a target account to perform a transaction, the position difference of two adjacent transactions and the time difference of two adjacent transactions have a certain rule. Therefore, before the transaction is conducted by using the target account, the transaction can be verified by using the position difference of the two adjacent transactions and the time difference of the two adjacent transactions. Further, the server denies the transaction request when the transaction request is not validated. This is because the failure of the transaction request to be authenticated indicates that the transaction to which the transaction request corresponds may be triggered by an unauthorized user. Therefore, by the scheme, the property safety of the user can be effectively guaranteed.
Description
Technical Field
The present application relates to the field of computers, and in particular, to a transaction verification method and apparatus.
Background
At present, a user may use a transaction card to conduct a transaction, and the transaction card mentioned herein may be a physical card such as a bank card, a credit card, and the like, and may also be an electronic card. The electronic card is a general term for the transaction card corresponding to online payment, and for example, the electronic card may be an electronic payment card provided in a mobile banking payment or other payment-enabled application program. Once the transaction card is lost or copied, a certain property loss is brought to the user.
Therefore, a solution to solve the above problems is urgently needed.
Disclosure of Invention
The technical problem to be solved by the application is how to reduce property loss brought to a user by losing or copying a transaction card, and the transaction verification method and the transaction verification device are provided.
In a first aspect, an embodiment of the present application provides a transaction verification method, where the method includes:
receiving a transaction request from a transaction terminal, wherein the transaction request is used for requesting to perform transaction by using a target account;
acquiring a first position, a second position, a first moment and a second moment, wherein the first position is a position where the transaction terminal is located when the server receives the transaction request, the second position is a position where the transaction terminal corresponding to the last transaction of the target account is located, the first moment is a moment when the server receives the transaction request, and the second moment is a moment when the target account is transacted last;
verifying the transaction request according to a first difference value and a second difference value, wherein the first difference value is a position difference between the first position and the second position, and the second difference value is a time difference between the first time and the second time;
denying the transaction request when the transaction request is not validated.
Optionally, the verifying the transaction request according to the first difference and the second difference includes:
and inputting the first difference and the second difference into a verification model to obtain a verification result, wherein the verification model is used for outputting the verification result of the transaction request according to the first difference and the second difference.
Optionally, the verification model is obtained by training in the following manner:
acquiring N groups of training data, wherein one group of training data comprises a position difference and a time difference, the position difference is the position difference of a trading terminal corresponding to two adjacent trades of the target account, and the time difference is the time difference of the two adjacent trades of the target account;
training the verification model using the N sets of training data.
Optionally, the transaction terminal includes:
a smart terminal, or a point of sale POS machine, or an automated teller machine ATM.
Optionally, the method further includes:
and if the transaction request passes the verification, sending a first indication message to the transaction terminal, wherein the first indication message is used for indicating a user to input verification information.
Optionally, the method further includes:
and sending a second indication message to the transaction terminal, wherein the second indication message is used for indicating that the transaction fails.
Optionally, the method further includes:
and if the transaction request passes the verification, receiving verification information input by a user, and executing the transaction corresponding to the transaction request under the condition that the verification information passes the verification.
Optionally, the method further includes:
saving the first location and the first time.
In a second aspect, an embodiment of the present application provides a transaction verification apparatus, including:
the system comprises a first receiving unit, a second receiving unit and a processing unit, wherein the first receiving unit is used for receiving a transaction request from a transaction terminal, and the transaction request is used for requesting to use a target account to perform transaction;
the acquisition unit is used for acquiring a first position, a second position, a first moment and a second moment, wherein the first position is a position where the transaction terminal is located when the server receives the transaction request, the second position is a position where the transaction terminal corresponding to the last transaction of the target account is located, the first moment is a moment when the server receives the transaction request, and the second moment is a moment when the target account is transacted last time;
the verification unit is used for verifying the transaction request according to a first difference value and a second difference value, wherein the first difference value is a position difference between the first position and the second position, and the second difference value is a time difference between the first time and the second time;
a rejection unit for rejecting the transaction request when the transaction request is not verified.
Optionally, the verification unit is specifically configured to:
and inputting the first difference and the second difference into a verification model to obtain a verification result, wherein the verification model is used for outputting the verification result of the transaction request according to the first difference and the second difference.
Optionally, the verification model is obtained by training in the following manner:
acquiring N groups of training data, wherein one group of training data comprises a position difference and a time difference, the position difference is the position difference of a trading terminal corresponding to two adjacent trades of the target account, and the time difference is the time difference of the two adjacent trades of the target account;
training the verification model using the N sets of training data.
Optionally, the transaction terminal includes:
a smart terminal, or a point of sale POS machine, or an automated teller machine ATM.
Optionally, the apparatus further comprises:
and the first sending unit is used for sending a first indication message to the transaction terminal if the transaction request passes the verification, wherein the first indication message is used for indicating a user to input verification information.
Optionally, the apparatus further comprises:
and the second sending unit is used for sending a second indication message to the transaction terminal, wherein the second indication message is used for indicating transaction failure.
Optionally, the apparatus further comprises:
the second receiving unit is used for receiving the verification information input by the user if the transaction request passes the verification;
and the execution unit is used for executing the transaction corresponding to the transaction request under the condition that the verification information passes the verification.
Optionally, the apparatus further comprises:
and the storage unit is used for storing the first position and the first time.
Compared with the prior art, the embodiment of the application has the following advantages:
the embodiment of the application provides a transaction verification method which can be executed by a server. In practical application, when a legal user uses a target account to perform a transaction, the position difference of two adjacent transactions and the time difference of two adjacent transactions have a certain rule. Therefore, before the transaction is conducted by using the target account, the transaction can be verified by using the position difference of the two adjacent transactions and the time difference of the two adjacent transactions. Specifically, the server may receive a transaction request from a transaction terminal requesting a transaction with the target account. Then, the server can obtain the position difference and the time difference of two adjacent transactions, and verify the transaction request according to the position difference and the time difference. Specifically, the server may obtain a first location, a second location, a first time and a second time, where the first location is a location where the transaction terminal is located when the server receives the transaction request, the second location is a location where the transaction terminal corresponding to the last transaction of the target account is located, the first time is a time when the server receives the transaction request, and the second time is a time when the target account last transacts. After obtaining the first location, the second location, the first time, and the second time, the transaction request may be verified according to a first difference value and a second difference value, where the first difference value is a location difference between the first location and the second location, and the second difference value is a time difference between the first time and the second time. Further, the server denies the transaction request when the transaction request is not validated. This is because the failure of the transaction request to be authenticated indicates that the transaction to which the transaction request corresponds may be triggered by an unauthorized user. Therefore, by the scheme, the property safety of the user can be effectively guaranteed.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a schematic flow chart illustrating a transaction verification method according to an embodiment of the present disclosure;
fig. 2 is a schematic structural diagram of a transaction verification apparatus according to an embodiment of the present disclosure.
Detailed Description
In order to make the technical solutions of the present application better understood, 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, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The inventor of the application finds that once the transaction card is lost or copied, certain property loss is brought to the user.
In order to solve the above problem, embodiments of the present application provide a transaction verification method, which can effectively ensure the property security of a user even if a transaction card is lost or copied.
Various non-limiting embodiments of the present application are described in detail below with reference to the accompanying drawings.
Exemplary method
Referring to fig. 1, the figure is a schematic flow chart of a transaction verification method according to an embodiment of the present application.
The method shown in fig. 1 may be performed by a server. The server may be a server of the payment platform. For example, the server may be a bank server. The method shown in fig. 1 may be implemented, for example, by the following steps S101-S104.
S101: and receiving a transaction request from a transaction terminal, wherein the transaction request is used for requesting to utilize the target account to carry out transaction.
The transaction terminal, as referred to herein, refers to the terminal that initiates the transaction. The embodiment of the present application is not particularly limited to the transaction terminal, and the transaction terminal may be any one of a smart phone, an Automatic Teller Machine (ATM), or a point of sale (POS). For example, when a user triggers a transaction with a physical card, then the transaction terminal may be a POS or ATM. When the user triggers a transaction with the electronic card, then the transaction terminal may be, for example, a smart terminal. The smart terminal mentioned herein includes, but is not limited to, a smart phone and a tablet computer.
The target account mentioned here may be used for indicating a physical card, and may also be an account for managing a transaction card. For example, the target account may be used to indicate a physical card with a card number. For another example: the target account may be an account for managing a physical card with a card number, and for example, the target account may be an account for managing an electronic card with an account name.
In the embodiments of the present application, the transaction includes, but is not limited to, money transfer, payment, and the like.
S102: and acquiring a first position, a second position, a first moment and a second moment, wherein the first position is the position of the transaction terminal when the server receives the transaction request, the second position is the position of the transaction terminal corresponding to the last transaction of the target account, the first moment is the moment when the server receives the transaction request, and the second moment is the moment when the target account carries out the last transaction.
S103: the transaction request is validated against a first difference value and a second difference value, the first difference value being a difference in position between the first location and the second location, and the second difference value being a difference in time between the first time and the second time.
In S102 and S103, it should be noted that, when a legitimate user performs a transaction using a target account, the position difference between two adjacent transactions and the time difference between two adjacent transactions have a certain rule. And after obtaining the use right of the target account, an illegal user often wants to cash out or trade in a short time. Therefore, when an illegal user uses a target account to perform a transaction, the position difference between two adjacent transactions and the time difference between two adjacent transactions often do not have the corresponding rule when the legal user uses the target account to perform the transaction. Therefore, after the transaction request is received, the position difference of two adjacent transactions and the time difference of two adjacent transactions can be obtained according to the position and the time corresponding to the current transaction and the position and the time corresponding to the last transaction, and the transaction request is verified according to the position difference of two adjacent transactions and the time difference of two adjacent transactions.
In this embodiment of the application, the second position refers to a position where a transaction terminal corresponding to a last transaction of the target account is located, and the second time refers to a time of the last transaction of the target account. The server may store the second location and the second time.
In an implementation manner of the embodiment of the application, a positioning device may be installed on the transaction terminal, and the server may obtain the first position through the positioning device. In addition, the server acquires the first time through the network.
In specific implementation, for example, the historical transaction record of the target account may be analyzed, and the relationship between the position difference and the time difference between two adjacent transactions of the target account may be determined according to the historical transaction record. If the first difference and the second difference satisfy the relationship, the transaction corresponding to the current transaction request is triggered by a legal user, and the transaction request is determined to pass the verification. If the first difference and the second difference do not satisfy the relationship, it indicates that the transaction corresponding to the current transaction request is not triggered by a legal user, so that the transaction request is determined not to pass the verification.
In one implementation, a historical transaction record of the target account may be obtained in advance, a verification model may be trained according to the historical transaction record, and the transaction request may be verified by using the verification model.
Specifically, N sets of training data may be obtained according to a historical transaction record of a target account, where a set of training data includes a position difference and a time difference, the position difference is a position difference of a transaction terminal corresponding to two adjacent transactions of the target account, and the time difference is a time difference of two adjacent transactions of the target account. The validation model is then trained using the N sets of training data. When the verification model is trained according to the N sets of training data, the verification model may be trained according to the N sets of training data and labels corresponding to the N sets of training data, respectively. The label corresponding to the training data is used for indicating whether the relation between the training data conforms to the trading habit of the legal user. It is understood that after the verification model is obtained by training, the first difference and the second difference may be input into the training model, and the training model may output a verification result indicating whether the first difference and the second difference conform to the transaction habits of the legitimate user. If the verification result indicates that the first difference value and the second difference value accord with the transaction habit of the legal user, the transaction request passes the verification; and if the verification result indicates that the first difference value and the second difference value do not accord with the transaction habit of the legal user, the transaction request is not verified.
S104: denying the transaction request when the transaction request is not validated.
It is understood that the transaction request is not verified, which means that the transaction corresponding to the transaction request is triggered by an illegal user, and for this case, the server may reject the transaction request in order to secure the property of the legal user.
Through the above description, with the scheme provided by the embodiment of the application, even if the transaction card is lost or copied, the property security of the legal user can be effectively ensured.
In some embodiments, if the transaction request is verified, the server may send a first indication message to the transaction terminal, the first indication message being used to prompt the user to input verification information. After the transaction terminal receives the first indication message, the first indication message may be output to prompt the user to input the authentication information. Authentication information as referred to herein includes, but is not limited to, transaction passwords, and biometric features (e.g., fingerprints, facial images) in place of transaction passwords. The outputting of the first indication message mentioned here may be displaying the first indication message, or controlling a speaker to play the first indication message, which is not specifically limited in the embodiment of the present application.
Accordingly, after the user inputs the authentication information, the transaction terminal may transmit the authentication information to the server. The server further verifies the verification information, e.g., whether the transaction password is correct. Further, the transaction corresponding to the transaction request is executed under the condition that the verification information is verified.
After the transaction corresponding to the transaction request is executed, the server may further store the first location and the first time, so as to verify a next received transaction request for requesting a transaction with the target account by using the first location and the first time.
In some embodiments, if the transaction request is not verified, in addition to performing S104, a second indication message may be sent to the transaction terminal, where the second indication message is used to indicate that the transaction has failed. It will be appreciated that after the transaction terminal receives the second indication message, the second indication message may be output to alert the user operating the transaction terminal that the transaction has failed. The outputting of the second indication message mentioned here may be displaying the second indication message, or controlling a speaker to play the second indication message, which is not specifically limited in the embodiment of the present application.
Exemplary device
Based on the method provided by the above embodiment, the embodiment of the present application further provides an apparatus, which is described below with reference to the accompanying drawings.
Referring to fig. 2, the figure is a schematic structural diagram of a transaction verification apparatus according to an embodiment of the present application. The apparatus 200 may specifically include, for example: a first receiving unit 201, an obtaining unit 202, a verifying unit 203 and a rejecting unit 204.
The first receiving unit 201 is configured to receive a transaction request from a transaction terminal, where the transaction request is used to request a transaction with a target account;
the obtaining unit 202 is configured to obtain a first location, a second location, a first time and a second time, where the first location is a location where the transaction terminal is located when the server receives the transaction request, the second location is a location where the transaction terminal corresponding to the last transaction of the target account is located, the first time is a time when the server receives the transaction request, and the second time is a time when the target account has last transaction;
the verification unit 203 is configured to verify the transaction request according to a first difference value and a second difference value, where the first difference value is a difference between the first location and the second location, and the second difference value is a time difference between the first time and the second time;
the rejecting unit 204 is configured to reject the transaction request when the transaction request is not verified.
Optionally, the verification unit 203 is specifically configured to:
and inputting the first difference and the second difference into a verification model to obtain a verification result, wherein the verification model is used for outputting the verification result of the transaction request according to the first difference and the second difference.
Optionally, the verification model is obtained by training in the following manner:
acquiring N groups of training data, wherein one group of training data comprises a position difference and a time difference, the position difference is the position difference of a trading terminal corresponding to two adjacent trades of the target account, and the time difference is the time difference of the two adjacent trades of the target account;
training the verification model using the N sets of training data.
Optionally, the transaction terminal is:
a smart terminal, or a point of sale POS machine, or an automated teller machine ATM.
Optionally, the apparatus 200 further includes:
and the first sending unit is used for sending a first indication message to the transaction terminal if the transaction request passes the verification, wherein the first indication message is used for indicating a user to input verification information.
Optionally, the apparatus 200 further includes:
and the second sending unit is used for sending a second indication message to the transaction terminal, wherein the second indication message is used for indicating transaction failure.
Optionally, the apparatus 200 further includes:
the second receiving unit is used for receiving the verification information input by the user if the transaction request passes the verification;
and the execution unit is used for executing the transaction corresponding to the transaction request under the condition that the verification information passes the verification.
Optionally, the apparatus 200 further includes:
and the storage unit is used for storing the first position and the first time.
Since the apparatus 200 is an apparatus corresponding to the method provided in the above method embodiment, and the specific implementation of each unit of the apparatus 200 is the same as that of the above method embodiment, for the specific implementation of each unit of the apparatus 200, reference may be made to the description part of the above method embodiment, and details are not repeated here.
Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice in the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.
It will be understood that the present application is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the attached claims
The above description is only exemplary of the present application and should not be taken as limiting the present application, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the protection scope of the present application.
Claims (16)
1. A transaction verification method, the method comprising:
receiving a transaction request from a transaction terminal, wherein the transaction request is used for requesting to perform transaction by using a target account;
acquiring a first position, a second position, a first moment and a second moment, wherein the first position is a position where the transaction terminal is located when the server receives the transaction request, the second position is a position where the transaction terminal corresponding to the last transaction of the target account is located, the first moment is a moment when the server receives the transaction request, and the second moment is a moment when the target account is transacted last;
verifying the transaction request according to a first difference value and a second difference value, wherein the first difference value is a position difference between the first position and the second position, and the second difference value is a time difference between the first time and the second time;
denying the transaction request when the transaction request is not validated.
2. The method of claim 1, wherein verifying the transaction request based on the first difference and the second difference comprises:
and inputting the first difference and the second difference into a verification model to obtain a verification result, wherein the verification model is used for outputting the verification result of the transaction request according to the first difference and the second difference.
3. The method of claim 2, wherein the verification model is trained by:
acquiring N groups of training data, wherein one group of training data comprises a position difference and a time difference, the position difference is the position difference of a trading terminal corresponding to two adjacent trades of the target account, and the time difference is the time difference of the two adjacent trades of the target account;
training the verification model using the N sets of training data.
4. A method according to any of claims 1-3, wherein the transaction terminal comprises:
a smart terminal, or a point of sale POS machine, or an automated teller machine ATM.
5. The method according to any one of claims 1-4, further comprising:
and if the transaction request passes the verification, sending a first indication message to the transaction terminal, wherein the first indication message is used for indicating a user to input verification information.
6. The method according to any one of claims 1-4, further comprising:
and sending a second indication message to the transaction terminal, wherein the second indication message is used for indicating that the transaction fails.
7. The method according to any one of claims 1-5, further comprising:
and if the transaction request passes the verification, receiving verification information input by a user, and executing the transaction corresponding to the transaction request under the condition that the verification information passes the verification.
8. The method of claim 7, further comprising:
saving the first location and the first time.
9. A transaction verification device, the device comprising:
the system comprises a first receiving unit, a second receiving unit and a processing unit, wherein the first receiving unit is used for receiving a transaction request from a transaction terminal, and the transaction request is used for requesting to use a target account to perform transaction;
the acquisition unit is used for acquiring a first position, a second position, a first moment and a second moment, wherein the first position is a position where the transaction terminal is located when the server receives the transaction request, the second position is a position where the transaction terminal corresponding to the last transaction of the target account is located, the first moment is a moment when the server receives the transaction request, and the second moment is a moment when the target account is transacted last time;
the verification unit is used for verifying the transaction request according to a first difference value and a second difference value, wherein the first difference value is a position difference between the first position and the second position, and the second difference value is a time difference between the first time and the second time;
a rejection unit for rejecting the transaction request when the transaction request is not verified.
10. The apparatus according to claim 9, wherein the verification unit is specifically configured to:
and inputting the first difference and the second difference into a verification model to obtain a verification result, wherein the verification model is used for outputting the verification result of the transaction request according to the first difference and the second difference.
11. The apparatus of claim 10, wherein the verification model is trained by:
acquiring N groups of training data, wherein one group of training data comprises a position difference and a time difference, the position difference is the position difference of a trading terminal corresponding to two adjacent trades of the target account, and the time difference is the time difference of the two adjacent trades of the target account;
training the verification model using the N sets of training data.
12. The apparatus according to any one of claims 9-11, wherein the transaction terminal comprises:
a smart terminal, or a point of sale POS machine, or an automated teller machine ATM.
13. The apparatus of any one of claims 9-12, further comprising:
and the first sending unit is used for sending a first indication message to the transaction terminal if the transaction request passes the verification, wherein the first indication message is used for indicating a user to input verification information.
14. The apparatus of any one of claims 9-12, further comprising:
and the second sending unit is used for sending a second indication message to the transaction terminal, wherein the second indication message is used for indicating transaction failure.
15. The apparatus of any one of claims 9-13, further comprising:
the second receiving unit is used for receiving the verification information input by the user if the transaction request passes the verification;
and the execution unit is used for executing the transaction corresponding to the transaction request under the condition that the verification information passes the verification.
16. The apparatus of claim 15, further comprising:
and the storage unit is used for storing the first position and the first time.
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| CN113256913A (en) * | 2021-04-21 | 2021-08-13 | 深圳市怡化时代科技有限公司 | Financial terminal business processing method and device, computer storage medium and equipment |
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