CN111784342A - Centralized payment dynamic monitoring management system based on big data - Google Patents
Centralized payment dynamic monitoring management system based on big data Download PDFInfo
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- CN111784342A CN111784342A CN202010609392.7A CN202010609392A CN111784342A CN 111784342 A CN111784342 A CN 111784342A CN 202010609392 A CN202010609392 A CN 202010609392A CN 111784342 A CN111784342 A CN 111784342A
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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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
- G06Q20/4014—Identity check for transactions
Abstract
The invention provides a centralized payment dynamic monitoring management system based on big data, which comprises a dynamic monitoring device, a memory for processor communication, a program instruction, a deviation rectifying device, a safety disposal device and a processor, wherein the processor and the program instruction execute the steps of receiving a request for payment credentials, carrying out an account for transaction payment from the payment credentials, searching a payment token corresponding to the account, generating dynamic expiration data and a dynamic token verification code, and responding to the request; the program instructions are configured to respond to the deviation rectification device and the treatment device. The invention provides an indication whether the received read data is encoded through data bus inversion by a part of code space provided by the code of the write error detection correction editor, thereby reducing the dependence of the whole system on the hardware to the maximum extent and reducing the time consumption for correcting errors to the maximum extent.
Description
Technical Field
The invention relates to the technical field of financial payment, in particular to a centralized payment dynamic monitoring and management system based on big data.
Background
The electronic payment system is the core of electronic commerce transactions, is composed of an intermediary organization providing payment services, a regulation for managing money transfer and a technical means for realizing payment, and is one of important social infrastructures.
As the CN109447598A prior art discloses a payment data processing method, the traditional aggregate payment generally mainly provides transaction inquiry and financial analysis, but cannot provide detailed transaction status distribution and transaction result analysis. Another typical management process for establishing a subscription to a service deployed in a managed SOA, as disclosed in the prior art of US20120066663a1, is basically not independently deployed, each subsystem is directly called by a local API, modification of a configuration file is distributed over various aspects of the system, and is basically a large and uniform system model, service deployment is limited, when a service is restarted, during a dynamic link process, dynamic access cannot be adapted, and when high concurrent access is performed, the same service cannot be deployed in multiple nodes, resulting in low system throughput. Referring to the transaction method of the electronic signature device disclosed in the prior art of WO2017162164a1, the existing electronic transaction depends on the bank server, and the electronic transaction performed by the user needs to be synchronized with the bank server in real time, so that multiple offline transactions cannot be independently completed without networking, that is, the security monitoring or the payment monitoring cannot be dynamically completed.
The invention aims to solve the problems that the transaction result cannot be provided, the monitoring cannot be carried out dynamically, the dynamic security protection cannot be realized, the access cannot be carried out dynamically and the like in the field.
Disclosure of Invention
The invention aims to provide a centralized payment dynamic monitoring and management system based on big data aiming at the defects of the current financial payment.
In order to overcome the defects of the prior art, the invention adopts the following technical scheme:
a centralized payment dynamic monitoring management system based on big data comprises a dynamic supervision device, a memory used for processor communication, a program instruction, a deviation rectification device, a safety disposal device and a processor, wherein the processor and the program instruction execute the steps of receiving a request for payment credentials, carrying out transaction payment from the account, searching a payment token corresponding to the account, generating dynamic expiration data and a dynamic token verification code, and responding to the request; the program instructions are configured to be responsive to the deviation rectification device and the treatment device.
Optionally, the dynamic policing apparatus comprises a computing platform operatively coupled to a processor of the storage device, wherein the processor executes the computer readable program code to: receiving an image financial file; obtaining a threshold confidence score; extracting financial data from an image of a financial document using optical character recognition; storing the financial data in a database; elements within the stored financial data are identified.
Optionally, the error correction device includes a multi-bit data interface, a receiving mechanism, and a sending mechanism, the multi-bit data interface is respectively connected to the receiving mechanism and the sending mechanism, and the receiving circuit is configured to receive a write data bit from the memory controller via the multi-bit data interface, and the write data bit is selectively inverted by the memory controller according to a data bus inversion encoding scheme; the memory stores selectively inverted write data bits; the transmit circuit is configured to respond to a read command and transmit the selectively inverted write data bits through the plurality of data pins to the memory controller as read data that is not accompanied by control signals from the memory device to indicate whether the read data is data bus inversion encoded.
Optionally, the safety handling device is configured to protect transmission of data between the dynamic light device and the deviation rectification device, and the safety handling device includes a storage instruction and a data controller, where the storage instruction is executed by the processor to: receiving, by a data controller and via a front-end interface associated with an application server, a request to access data stored in a database; the data controller is configured to request a payment token comprising a network token and to validate the request; providing, by the data controller and through the front-end interface, access to data stored in the database; the data controller generates a data access event indicating that data stored in the database has been accessed; the data controller records data access events on a blockchain platform according to the blockchain, and the blockchain platform is in remote communication with the data controller.
Optionally, the data stored in the database on the data controller comprises a data object having an identifier, wherein the blockchain of data access events comprises the identifier, and wherein the identifier is configured to link the data object to the object.
Optionally, the application server comprises an application key, and wherein the network payment token is generated by the data controller after verifying that the application key matches a stored application key stored on the data controller.
The beneficial effects obtained by the invention are as follows:
1. the processor is respectively in control connection with the dynamic supervision device, the memory, the deviation correcting device and the safety disposal device, so that the whole device is ensured to be efficiently matched, and the effects of wide-spread distribution and centralized control are achieved, and the whole system can be efficiently carried out;
2. the violation behaviors or the abnormal behaviors are subjected to targeted processing, so that the whole system is ensured to run in a safe and efficient environment;
3. by using a part of code space provided by the code of the write error detection and correction editor to provide an indication whether the received read data is reversely coded through a data bus, the dependence of the whole system on the hardware is reduced to the maximum extent, and the time consumption for correcting errors is reduced to the maximum extent;
4. by providing the set of payment credentials to the server for inclusion in the authorization request and downstream verification of the dynamic expiration data and dynamic token verification code, the desired security objective is met, i.e., the transaction-specific token is effectively submitted, which can be verified during payment system processing and cannot be reused if intercepted by a lawbreaker;
5. by using a dynamic token authentication code that changes between each transaction, while connecting the payment token with transaction data for a plurality of digital items, the resulting digital string can then be digitally signed with a secret cryptographic key, the resulting digital signature being a second digital string from which dynamic expiration data and the dynamic token authentication code are derived.
Drawings
The invention will be further understood from the following description in conjunction with the accompanying drawings. The components in the figures are not necessarily to scale, emphasis instead being placed upon illustrating the principles of the embodiments. Like reference numerals designate corresponding parts throughout the different views.
Fig. 1 is a schematic view of an application scenario of the present invention.
Fig. 2 is a schematic control flow diagram of the program instruction in the dynamic supervision device.
Fig. 3 is a schematic control flow diagram of the dynamic monitoring apparatus.
Fig. 4 is a schematic control flow diagram of the deviation rectifying device.
Fig. 5 is a control flow diagram of the safety disposal device.
Fig. 6 is a schematic control flow diagram of the application server and the application key.
Detailed Description
In order to make the objects and advantages of the present invention more apparent, the present invention will be further described in detail with reference to the following embodiments; it should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. Other systems, methods, and/or features of the present embodiments will become apparent to those skilled in the art upon review of the following detailed description. It is intended that all such additional systems, methods, features and advantages be included within this description, be within the scope of the invention, and be protected by the accompanying claims. Additional features of the disclosed embodiments are described in, and will be apparent from, the detailed description that follows.
The same or similar reference numerals in the drawings of the embodiments of the present invention correspond to the same or similar components; in the description of the present invention, it should be understood that if there is an orientation or positional relationship indicated by the terms "upper" and "lower" and "left" and "right" etc., it is only for convenience of description and simplification of the description based on the orientation or positional relationship shown in the drawings, but it is not indicated or implied that the device or assembly referred to must have a specific orientation.
The first embodiment is as follows: a centralized payment dynamic monitoring management system based on big data comprises a dynamic supervision device, a memory used for processor communication, a program instruction, a deviation rectification device, a safety disposal device and a processor, wherein the processor and the program instruction execute the steps of receiving a request for payment credentials, carrying out transaction payment from the account, searching a payment token corresponding to the account, generating dynamic expiration data and a dynamic token verification code, and responding to the request; the program instructions are configured to be responsive to the deviation rectification device and the treatment device; the dynamic supervision apparatus comprises a computing platform operatively coupled to a processor of a storage device, wherein the processor executes computer readable program code to: receiving an image financial file; obtaining a threshold confidence score; extracting financial data from an image of a financial document using optical character recognition; storing the financial data in a database; identifying an element within the stored financial data; the error correction device comprises a multi-bit data interface, a receiving mechanism and a sending mechanism, wherein the multi-bit data interface is respectively connected with the receiving mechanism and the sending mechanism, and the receiving circuit is constructed to receive write data bits from a storage controller through the multi-bit data interface, and the write data bits are selectively inverted by the storage controller according to a data bus inversion coding scheme; the memory stores selectively inverted write data bits; the transmit circuit is configured to respond to a read command and transmit the selectively inverted write data bits as read data to the memory controller through the plurality of data pins, the read data being not accompanied by control signals from the memory device to indicate whether the read data is data bus inversion encoded; the safety disposal device is configured to protect transmission of data between a dynamic light device and the rectification device, the safety disposal device comprising a storage instruction and a data controller, the storage instruction to perform the following by the processor: receiving, by a data controller and via a front-end interface associated with an application server, a request to access data stored in a database; the data controller is configured to request a payment token comprising a network token and to validate the request; providing, by the data controller and through the front-end interface, access to data stored in the database; the data controller generates a data access event indicating that data stored in the database has been accessed; the data controller records a data access event on a block chain platform according to a block chain, and the block chain platform is in remote communication with the data controller; data stored in a database on the data controller comprises a data object having an identifier, wherein the blockchain of data access events comprises the identifier, and wherein the identifier is configured to link the data object to the object; the application server includes an application key, and wherein the network payment token is generated by the data controller upon verifying that the application key matches a stored application key stored on the data controller.
Example two: the present embodiment should be understood to include at least all the features of any one of the foregoing embodiments and further improve on the same, and in particular, provide a big data set based dynamic payment monitoring and management system, which includes a dynamic supervision apparatus, a memory for processor communication, a program instruction, a rectification apparatus, a security disposal apparatus, and a processor, wherein the processor executes, with the program instruction, receiving a request for payment credentials, an account from which transaction payment is made, finding a payment token corresponding to the account, generating dynamic expiration data and a dynamic token verification code, and responding to the request; the program instructions are configured to be responsive to the deviation rectification device and the treatment device; in particular, the dynamic supervision means are configured to monitor the payment status to ensure dynamic monitoring of the payment status; in this embodiment, the monitoring device is respectively used in cooperation with the memory, the program instruction and the deviation correcting device, so as to ensure that the whole system not only ensures efficient operation but also ensures safe operation in the payment process; in addition, in this embodiment, the processor is respectively in control connection with the dynamic supervision device, the memory, the deviation correcting device and the safety disposal device, so that the whole device is ensured to be efficiently matched, and the effects of wide distribution and centralized control are achieved, so that the whole system can be efficiently operated; in this embodiment, an automatic decision-making method for abnormal behavior in a payment state is provided, which effectively ensures the safety of the whole payment process, and specifically, in this embodiment, a decision-making method for abnormal pork liver is provided, where the method includes: the system may receive images of financial documents from one or more sources; financial documents may be received from within an entity, from other financial institutions, and the like; in some embodiments, the image comprises an image of a check or other financial document captured by an account holder or other entity; from the received financial document or payment instrument, the system may detect data from the financial record image; this information may be any written or printed information on the front or back of the payment instrument; documents or payment instruments may include a myriad of financial documents including, but not limited to, checks, rental documents, mortgage documents, deposit slips, payment coupons, receipts, general ledger sheets, and the like; once the financial document is received, entering the process of extracting and processing the document or the image of the document; the program instructions extract data from the text document in the form of metadata; documents, which may be checks or the like, may be used to extract and/or collect information associated with the document into metadata rather than image or text data; the invention may then utilize the data to further process the received document; the data includes information such as account data, date, payee, payer, address, path number, amount, document background, or other information that may be necessary to process the document; the system may then store the data collected from the document; processing data collected from the document and storing it as data associated with the document; in this way, an image of the document is captured and the data is reprocessed into textual or non-image data for storage; in this way, numbers, letters, etc. on a document may be captured as part of the document image, but stored as text data; in the embodiment, the extraction of each document image is used for collecting metadata, and in this example, the collection of the metadata can also be understood as storage and recording of the storage document;
the extracted data is used to allow automatic decision-making for exception handling to systematically resolve an exception; in some embodiments, exception handling to resolve an exception is done manually by a single user or resource; the abnormality may include one or more violations, and the dynamic supervision apparatus is configured to adaptively monitor the violations, so as to ensure that the entire apparatus can be handled according to the abnormal condition in the operation process; in this embodiment, the whole system performs targeted processing on each violation or abnormal behavior, so as to ensure that the whole system operates in a safe and efficient environment;
the dynamic supervision apparatus comprises a computing platform operatively coupled to a processor of a storage device, wherein the processor executes readable program code to: receiving an image financial file; obtaining a threshold confidence score; extracting financial data from an image of a financial document using optical character recognition; storing the financial data in a database; identifying an element within the stored financial data; in particular, the computing platform is configured as a processor operably coupled to a storage device and further executing readable program code to, in addition to: receiving an image financial file; obtaining a threshold confidence score; extracting financial data from an image of a financial document using optical character recognition; storing the financial data in a database; in addition to identifying elements within the stored financial data, the computing platform is further used to receive an indication of a user transaction, wherein receiving an indication of a user transaction comprises: receiving a copy of the associated financial file; processing the user transaction, wherein the financial document related to the user transaction is a check; identifying data from the financial document, wherein the data in the financial document is extracted from the financial document using optical character recognition and stored; processing the financial document: identifying and classifying exceptions in the financial document being processed; monitoring a workflow of resources for exception handling, wherein the monitoring of the workflow identifies bottlenecks and under-utilizations of the resources for exception handling; determining a resource experience and an error rate for each of one or more different anomaly types; matching appropriate resources with the identified and classified anomalies based on the resource experience of the anomaly category, resource scarcity and resource error rate; after correcting the anomalous resources, replacing the anomalous state and allowing the processing of the financial document containing the anomaly; in this embodiment, the processing for the exception state includes identifying an exception and encoding it for exception handling; in addition, the system may utilize metadata to automatically match checks to a particular account; continuing the batch exception for processing and quieting it for resource review, the elevated data can be used to provide automated decision-making to correct the exception for exception processing without having the individual manually override the exception and identify the account of the document associated with the exception; an automatic decision for exception handling may be generated to handle the exception behavior; in this embodiment, the confidence level scoring is also performed on each operation of the computing platform, the acceptance of the confidence level includes the scoring of the process element of each payment or data operation, and the operation is performed according to the height of the confidence level, and meanwhile, in this embodiment, the dynamic supervision device also performs actual and real-time monitoring according to the supervision state of the whole system; in this embodiment, the rule for triggering the confidence is consistent with the triggering rule of the priority, and in this embodiment, description is omitted;
the error correction device comprises a multi-bit data interface, a receiving mechanism and a sending mechanism, wherein the multi-bit data interface is respectively connected with the receiving mechanism and the sending mechanism, and the receiving circuit is constructed to receive write data bits from a storage controller through the multi-bit data interface, and the write data bits are selectively inverted by the storage controller according to a data bus inversion coding scheme; the memory stores selectively inverted write data bits; the transmit circuit is configured to respond to a read command and transmit the selectively inverted write data bits as read data to the memory controller through the plurality of data pins, the read data being not accompanied by control signals from the memory device to indicate whether the read data is data bus inversion encoded; specifically, in this embodiment, the multi-bit data interface is used for acquiring the data, and meanwhile, in this embodiment, the multi-bit data interface is connected to the receiving circuit and is used for acquiring the data, and in addition, during the process of data reading, a write-in signal of the storage controller is controlled, and the control signal is determined by the signal elements of the sufox structure mechanism and the sending mechanism, after the sending mechanism finishes sending, by sending one data bit, after the processor receives the data bit, by comparing with another data bit of the receiving mechanism, if a set rule is met, the data is completely received; in this embodiment, the worker further processes the abnormal data, and the processing operation includes: the write data bits are selectively inverted by the memory controller according to a data bus inversion encoding scheme; the memory stores selectively inverted write data bits; the transmit circuit is configured to respond to a read command and transmit the selectively inverted write data bits as read data to the memory controller through the plurality of data pins, the read data being not accompanied by control signals from the memory device to indicate whether the read data is data bus inversion encoded; in the present embodiment, in the process of data transmission, the cooperative use among the control bus, the data bus and the address bus is provided, that is: the cooperation of the control bus, the data bus and the address bus is a means well known to those skilled in the art, and those skilled in the art can query the relevant technical manual to perform error finding or error correction operation on the data; in this embodiment, a corrective action is provided, specifically, a portion of the code space provided by the error detection correction code is used to provide an indication of whether read data received by the memory controller is reverse encoded by the data bus; the memory controller includes a write circuit that transmits write data to the memory device, the write circuit including a write error detection correction encoder to generate first error information associated with the write data; a data bus inversion circuit conditionally inverts the data bits associated with each write data word according to a threshold condition; the read circuit receives read data from the memory device; the read circuit includes a read write error detection and correction code generator to generate second error information associated with the received read data; logic evaluates the first and second error information and conditionally inverts at least a portion of the read data based on the decoding; by utilizing a part of code space provided by the code of the write error detection and correction editor to provide an indication whether the received read data is reversely coded through a data bus, the dependence of the whole system on the hardware is reduced to the maximum extent, and the time consumption for correcting errors is reduced to the maximum extent;
the safety disposal device is configured to protect transmission of data between a dynamic light device and the rectification device, the safety disposal device comprising a storage instruction and a data controller, the storage instruction to perform the following by the processor: receiving, by a data controller and via a front-end interface associated with an application server, a request to access data stored in a database; the data controller is configured to request a payment token comprising a network token and to validate the request; providing, by the data controller and through the front-end interface, access to data stored in the database; the data controller generates a data access event indicating that data stored in the database has been accessed; the data controller records a data access event on a block chain platform according to a block chain, and the block chain platform is in remote communication with the data controller; in particular, the dynamic light device is configured to extract the metadata, namely: the invoices or bills in other forms can be converted into the language of the machine through the action of the dynamic optical device, and the metadata can be loaded and replaced efficiently; in this embodiment, the data security is ensured to the greatest extent in cooperation with the setting of the deviation rectifying device, and in addition, in this embodiment, the security device is configured to trigger the storage instruction and execute the command in the storage instruction, and the executing includes: receiving, by a data controller and via a front-end interface associated with an application server, a request to access data stored in a database; the data controller is configured to request a payment token comprising a network token and to validate the request; providing, by the data controller and through the front-end interface, access to data stored in the database; the data controller generates a data access event indicating that data stored in the database has been accessed; the data controller records a data access event on a block chain platform according to a block chain, and the block chain platform is in remote communication with the data controller;
data stored in a database on the data controller comprises a data object having an identifier, wherein the blockchain of data access events comprises the identifier, and wherein the identifier is configured to link the data object to the object; in particular, the application server comprises an application key, and wherein the network payment token is generated by the data controller upon verifying that the application key matches a stored application key stored on the data controller; in particular, the data controller also participates in one or more encryption processes to generate dynamic expiration data and a dynamic token validation code; the data controller may send the payment token, the dynamic expiration data, and the dynamic token validation code to the user or user as a set of transaction-specific payment credentials; the user or user may then provide the set of payment credentials to the server for inclusion in the authorization request and downstream verification of the dynamic expiration data and dynamic token verification code; by this arrangement, the desired security objective is met, namely the efficient submission of transaction-specific tokens that can be verified during processing by the payment system and cannot be reused if intercepted by a lawbreaker; in the embodiment, through the arrangement, the dynamic monitoring of the whole device in the using process is effectively ensured, and the reliable monitoring can be effectively prevented in the whole payment process; in this embodiment, the data controller is used to access and transmit on the blockchain by using the blockchain technology, and in addition, during the transmission, the identifier is passed through, that is: the identifier is configured to link the data object to the object overall system further comprises a data controller; in this embodiment, via intra-application or internet communication, the application server interacts with the payment service provider to obtain a set of payment credentials, linking the data controller to the payment network, performing the following operations: the data controller is co-operable with the payment network; the data controller is in close association, frequent communication with the computing resources used in operating the payment network; the application server may interact with the data controller through operation of the payment application to send a request for payment credentials to the data controller; receiving a request for payment credentials at a data controller; the request for payment credentials may include an indication that the user is at the selected account; the data controller querying a previously created payment token previously associated with the selected account, accessing its stored token database or communicating with the token service provider to retrieve mapping results between the selected account, and a previously assigned payment token representing the selected account; the data controller generating dynamic expiration data to be associated with the current transaction, the dynamic expiration data being associated with the payment token looked up in the blockchain; the expiration date data is "dynamic" in that it varies between transactions, rather than being fixed as in the conventional expiration dates typically associated with PANs or payment tokens; the data controller generating a dynamic token validation code that associates the current transaction with the payment token looked up in the blockchain; the dynamic token authentication code will replace the "fixed" code, which will change between transactions, rather than being fixed for a fixed time period and thus "dynamic" as with the authentication code of a conventional credit card; the data controller may concatenate the payment token with transaction data for a plurality of digital items, and may then digitally sign the resulting digital string with a secret cryptographic key; the obtained digital signature is a second digital character string, and dynamic validity date data and a dynamic token verification code are obtained from the second digital character string; for example: the first three digits of the second numeric string may be used as a dynamic token authentication code; the next four or more digits of the second numeric string may be converted to produce a four digit number that satisfies the constraints required to simulate a valid card expiration date; the resulting four-digit number may be used as dynamic expiration data; based on the above description, those skilled in the art will recognize that other cryptographic processes may be used as inputs, instead of generating dynamic expiration data and a dynamic token authentication code, using a payment token and one or more transaction data; the data controller may send the payment token queried at, the dynamic expiration data generated at, and the dynamic token validation code generated at to the application server as the requested set of payment credentials; it may be assumed that the result of the step is that the payment application in the application server receives the set of payment credentials; the payment application may pass the payment credentials to a mobile browser in the application server; in this embodiment, the mobile browser may control the application server to send the payment credentials to the e-commerce server; assume that the e-commerce server is receiving payment credentials sent to it.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
In summary, according to the centralized payment dynamic monitoring management system based on big data, the processor is respectively in control connection with the dynamic supervision device, the memory, the deviation correction device and the safety disposal device, so that the whole device is ensured to be efficiently matched, and the system has the effects of wide distribution and centralized control, so that the whole system can be efficiently operated; the violation behaviors or the abnormal behaviors are subjected to targeted processing, so that the whole system is ensured to run in a safe and efficient environment; by using a part of code space provided by the code of the write error detection and correction editor to provide an indication whether the received read data is reversely coded through a data bus, the dependence of the whole system on the hardware is reduced to the maximum extent, and the time consumption for correcting errors is reduced to the maximum extent; by providing the set of payment credentials to the server for inclusion in the authorization request and downstream verification of the dynamic expiration data and dynamic token verification code, the desired security objective is met, i.e., the transaction-specific token is effectively submitted, which can be verified during payment system processing and cannot be reused if intercepted by a lawbreaker; by using a dynamic token authentication code that changes between each transaction, while connecting the payment token with transaction data for a plurality of digital items, the resulting digital string can then be digitally signed with a secret cryptographic key, the resulting digital signature being a second digital string from which dynamic expiration data and the dynamic token authentication code are derived.
Although the invention has been described above with reference to various embodiments, it should be understood that many changes and modifications may be made without departing from the scope of the invention. That is, the methods, systems, and devices discussed above are examples. Various configurations may omit, substitute, or add various procedures or components as appropriate. For example, in alternative configurations, the methods may be performed in an order different than that described, and/or various components may be added, omitted, and/or combined. Moreover, features described with respect to certain configurations may be combined in various other configurations, as different aspects and elements of the configurations may be combined in a similar manner. Further, elements therein may be updated as technology evolves, i.e., many elements are examples and do not limit the scope of the disclosure or claims.
Specific details are given in the description to provide a thorough understanding of the exemplary configurations including implementations. However, configurations may be practiced without these specific details, for example, well-known circuits, processes, algorithms, structures, and techniques have been shown without unnecessary detail in order to avoid obscuring the configurations. This description provides example configurations only, and does not limit the scope, applicability, or configuration of the claims. Rather, the foregoing description of the configurations will provide those skilled in the art with an enabling description for implementing the described techniques. Various changes may be made in the function and arrangement of elements without departing from the spirit or scope of the disclosure.
In conclusion, it is intended that the foregoing detailed description be regarded as illustrative rather than limiting, and that it be understood that these examples are illustrative only and are not intended to limit the scope of the invention. After reading the description of the invention, the skilled person can make various changes or modifications to the invention, and these equivalent changes and modifications also fall into the scope of the invention defined by the claims.
Claims (6)
1. A centralized payment dynamic monitoring management system based on big data is characterized by comprising a dynamic supervision device, a memory for processor communication, a program instruction, a deviation rectifying device, a safety disposal device and a processor, wherein the processor and the program instruction execute the steps of receiving a request for payment credentials, carrying out an account from which transaction payment is carried out, searching a payment token corresponding to the account, generating dynamic expiration data and a dynamic token verification code, and responding to the request; the program instructions are configured to be responsive to the deviation rectification device and the treatment device.
2. The big-data-set-based payment dynamic monitoring management system of claim 1, wherein the dynamic policing apparatus comprises a computing platform operatively coupled to a processor of a storage device, wherein the processor executes computer-readable program code to: receiving an image financial file; obtaining a threshold confidence score; extracting financial data from an image of a financial document using optical character recognition; storing the financial data in a database; elements within the stored financial data are identified.
3. The big-data-set-based dynamic payment monitor management system as recited in any of the preceding claims, wherein the error correction device comprises a multi-bit data interface, a receiving mechanism, and a transmitting mechanism, wherein the multi-bit data interface is respectively interconnected with the receiving mechanism and the transmitting mechanism, and wherein the receiving circuit is configured to receive write data bits from the memory controller via the multi-bit data interface, wherein the write data bits are selectively inverted by the memory controller according to a data bus inversion encoding scheme; the memory stores selectively inverted write data bits; the transmit circuit is configured to respond to a read command and transmit the selectively inverted write data bits through the plurality of data pins to the memory controller as read data that is not accompanied by control signals from the memory device to indicate whether the read data is data bus inversion encoded.
4. A big data set payment dynamic monitoring and management based system as claimed in one of the preceding claims, wherein the security handling device is configured to protect the transmission of data between the dynamic light device and the deviation rectification device, the security handling device comprises a storage instruction and a data controller, the storage instruction is executed by the processor to: receiving, by a data controller and via a front-end interface associated with an application server, a request to access data stored in a database; the data controller is configured to request a payment token comprising a network token and to validate the request; providing, by the data controller and through the front-end interface, access to data stored in the database; the data controller generates a data access event indicating that data stored in the database has been accessed; the data controller records data access events on a blockchain platform according to the blockchain, and the blockchain platform is in remote communication with the data controller.
5. A big-data-set-based payment dynamic monitoring management system as recited in any of the preceding claims, wherein the data stored in the database on the data controller comprises a data object having an identifier, wherein the blockchain of data access events comprises the identifier, and wherein the identifier is configured to link the data object to the object.
6. A big-data-set-based payment dynamic monitoring management system as claimed in one of the preceding claims, wherein the application server comprises an application key, and wherein the network payment token is generated by the data controller after verifying that the application key matches a stored application key stored on the data controller.
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