CN111833063B - Information processing method, computer device, and computer-readable storage medium - Google Patents
Information processing method, computer device, and computer-readable storage medium Download PDFInfo
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
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- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
- G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
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- G—PHYSICS
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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Abstract
The embodiment of the disclosure provides an information processing method, a computer device and a computer readable storage medium, and relates to the technical field of mobile payment, wherein the information processing method comprises the following steps: the method comprises the steps of sending user basic information of a current login account to a server of a target asset management mechanism, so that the server can execute identity authentication operation and three-party agreement signing operation on the current login account, and corresponding subscription information is generated; receiving subscription information fed back by a server; and associating the current login account number with account number information of the target asset management mechanism according to the subscription information. According to the method, the server of the target asset management mechanism grasping the asset and the privacy information executes the identity authentication operation and the three-party protocol signing operation, so that the touch and the preservation of the privacy information by a payment company can be isolated, the safety of user privacy is ensured on one hand, the operation pressure of the payment application program server can be reduced, and the operation efficiency of the payment application program server is improved on the other hand.
Description
Technical Field
The embodiment of the disclosure relates to the technical field of mobile payment, in particular to an information processing method, computer equipment and a computer readable storage medium.
Background
The payment company has the function in most business scenes to assist users in participating in transactions and completing funds receipt and payment. In order to ensure the safety of the user in the payment link, the payment company needs to identify the real identity information of the user. For the true identity of the user, the authentication mode adopted by the system, such as checking the privacy information of the bank card of the user, checking the biological information of the user, and the like, is called identity authentication. In order to improve the convenience of the user in the payment link, the payment company needs to grasp the asset information of the user, such as asset account information, bank card information, and the like. In order to protect the legitimacy of the user in the payment link, the payment company needs to sign a three-party agreement with the user and an asset management party, such as a bank, to grant the payment company the right to govern the user's asset within a certain amount.
Currently, the industry has some current ways to complete the acquisition and verification of identity information and asset information, such as four-element filling authentication and signing, requiring users to fill in user real information in the product interface of the payment company, and common four elements include: the name, the identity card, the bank card number and the bank reserved mobile phone number are transmitted to the bank or other institutions through the private line after the payment company encrypts the information, and the institutions check and check based on the user privacy information mastered by the institutions and inform the payment company of the identity and asset information checking results. Meanwhile, the function of signing a three-party protocol can be attached, a short message is sent to a user, and the protocol takes effect after the user confirms. The authentication mode is the most original, from the perspective of user experience, the user needs to remember all privacy information or needs to carry related certificates, and needs to provide privacy information for a payment company, and a confirmation short message of a follow-up signing three-party protocol is also issued to the user through a short message or other forms, so that the risk of hijacking exists, and therefore, the user experience and the security are poor. From the system operation perspective, the payment company has large information quantity of product input and transmission, is easily influenced by network environment, can cause heavy operation load, and reduces the system operation efficiency.
Disclosure of Invention
Embodiments of the present disclosure aim to solve at least one of the technical problems existing in the prior art or related arts.
To this end, a first aspect of the embodiments of the present disclosure is to propose an information processing method.
A second aspect of the disclosed embodiments is to propose a computer device.
A third aspect of the disclosed embodiments is to propose a computer readable storage medium.
In view of this, according to a first aspect of an embodiment of the present disclosure, there is provided an information processing method including: the method comprises the steps of sending user basic information of a current login account to a server of a target asset management mechanism, so that the server can execute identity authentication operation and three-party agreement signing operation on the current login account, and corresponding subscription information is generated; receiving subscription information fed back by a server; and associating the current login account number with account number information of the target asset management mechanism according to the subscription information.
The information processing method provided by the embodiment of the disclosure is particularly used for a third party payment application program, when the user needs to be subjected to identity authentication and sign a three-party agreement for payment, the user basic information of the current login account is sent to a server of a target asset management mechanism grasping user asset and privacy information, the server executes the identity authentication operation and the three-party agreement signing operation, the touch and the storage of the privacy information by a payment company can be isolated, and the verification and the agreement signing are completed by an application grasping the asset and the privacy information (namely, the server of the target asset management mechanism), so that the safety of the user privacy is ensured, and the operating pressure of the payment application program server can be reduced, and the operating efficiency of the payment application program server is improved. And the payment application program completes the association of the payment application program and the account number of the target asset management mechanism according to the subscription information fed back by the server, and can perform the domination of the user in a certain amount on funds in the target asset management mechanism in the subsequent payment process.
In addition, according to the information processing method in the above technical solution provided by the embodiments of the present disclosure, the following additional technical features may be further provided:
in the above technical solution, preferably, the user basic information includes a name and an identification card number.
In the technical scheme, the user basic information comprises the name and the identity card number, which are enough to reflect the identity of the user, so that the target asset management mechanism can execute subsequent operations according to the user basic information, the transmission information quantity can be reduced, and the privacy of the user can be protected.
In any of the above technical solutions, preferably, the subscription information includes user basic information, account information associated with the user basic information stored in the server, and a protocol number.
In the technical scheme, the subscription information contains user basic information, so that the payment application program can conveniently check whether the information is consistent; the account information is information registered by the user in the target asset management mechanism, so that fund receipt and payment operations can be conveniently executed according to the information, and the relationship between basic information of the associated user and account information of a plurality of application programs is facilitated; the protocol number reflects the successful signing of the three-party protocol, thereby being convenient for executing the fund receipt and payment operation according to the protocol number, and not only being unnecessary to transmit the whole three-party protocol, but also reducing the information transmission quantity and the operation pressure.
In any of the foregoing solutions, preferably, before the operation of sending the user basic information of the current login account to the server of the target asset management mechanism, the information processing method further includes: and outputting prompt information to prompt the user to input the user basic information.
In the technical scheme, the user can be reminded to input the user basic information in time by outputting the prompt information, so that smooth subscription progress is ensured. The output prompt message can be specifically realized by displaying a text input box, and specific information names, namely names and identification numbers, are marked beside the text input box so that a user can input the names and the identification numbers in the corresponding text input box.
In any of the above embodiments, preferably, before the operation of outputting the prompt information, the information processing method further includes: judging whether the user basic information is stored, and if not, executing the operation of outputting the prompt information.
In the technical scheme, whether the user basic information is stored is judged first, and if the user basic information is stored, the user basic information is not required to be input again, so that the user operation is further simplified, and the information processing burden is reduced.
In any of the above embodiments, preferably, after the operation of outputting the prompt information, the information processing method further includes: and checking whether the name in the user basic information corresponds to the identity card number, and if so, executing the operation of sending the user basic information of the current login account to a server of the target asset management mechanism.
In the technical scheme, the payment application program firstly performs real-name verification on the basic information of the user, and the real-name verification is used as basic identity verification, so that the identity authentication flow of the server of the target asset management mechanism can be simplified. Specifically, real-name verification is performed on the first acquired user basic information, and for the non-first acquired and stored user basic information, as real-name verification is performed when the first acquisition is performed, verification is not needed when the first acquisition is performed subsequently, so that one real-name verification on a payment application program can replace the real-name verification of a server of each of a plurality of subsequent target asset management mechanisms, the same basic identity verification result can be ensured to be used among a plurality of application programs, the fact that the assets of different application programs on the same terminal belong to the same person is determined, repeated verification is reduced, and the operation efficiency of the server of each target asset management mechanism is facilitated to be optimized.
In any of the foregoing technical solutions, preferably, after the step of receiving the subscription information fed back by the server, the information processing method further includes: outputting the subscription information and the confirmation reminding information to remind the user of confirming the subscription information; and storing subscription information according to the received feedback information.
In the technical scheme, after receiving the subscription information fed back by the server, the subscription information is not directly stored, but is transmitted to the user for secondary confirmation, so that the reliability of information processing can be improved. In addition, the subscription information is not sent by short messages, so that the user privacy is prevented from being hijacked, and the occupation of the short messages on the terminal data storage space can be reduced.
In any of the foregoing solutions, preferably, before the operation of sending the user basic information of the current login account to the server of the target asset management mechanism, the information processing method further includes: outputting an asset management mechanism list, wherein the asset management mechanism list comprises at least one asset management mechanism for selection by a user; the selected asset management institution is acquired and recorded as a target asset management institution.
In the technical scheme, the user can directly select from the list by outputting the list of the asset management mechanism, so that the input operation of the user is simplified, and the problem that the name input by the user is not standard is avoided.
In any of the foregoing solutions, preferably, after the step of acquiring the selected asset management entity, denoted as the target asset management entity, before the operation of sending the user basic information of the current login account to the server of the target asset management entity, the information processing method further includes: detecting whether an application program of a target asset management mechanism is installed on a terminal logging in a current login account; based on the condition that the detection result is yes, executing the operation of sending the user basic information of the current login account to a server of the target asset management mechanism; and outputting a download link for the terminal to install the application program based on the condition that the detection result is negative, and executing the operation of sending the user basic information of the current login account to the server of the target asset management mechanism after the installation is completed.
In the technical scheme, when the application program of the target asset management mechanism is not installed on the terminal, the user can be guided to directly operate and download through the output download link, so that the follow-up authentication and signing operation are ensured to be smoothly carried out, and the user operation is facilitated.
According to a second aspect of the embodiments of the present disclosure, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and capable of running on the processor, where the processor implements the steps of the information processing method according to any one of the above technical solutions when executing the computer program, so that all the beneficial technical effects of the information processing method are provided, and are not repeated herein.
According to a third aspect of the embodiments of the present disclosure, there is provided a computer readable storage medium, on which a computer program is stored, which when executed by a processor, implements the steps of the information processing method according to any one of the above-mentioned technical aspects, so that all the advantageous technical effects of the information processing method are provided, and are not described herein again.
Additional aspects and advantages of embodiments of the disclosure will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of embodiments of the disclosure.
Drawings
The foregoing and/or additional aspects and advantages of embodiments of the present disclosure will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings, wherein:
fig. 1 shows a schematic flowchart of an information processing method according to a first embodiment of the present disclosure;
fig. 2 shows a schematic flowchart of an information processing method according to a second embodiment of the present disclosure;
fig. 3 shows a schematic flowchart of an information processing method according to a third embodiment of the present disclosure;
fig. 4 shows a schematic flowchart of an information processing method according to a fourth embodiment of the present disclosure;
fig. 5 shows a schematic flowchart of an information processing method according to a fifth embodiment of the present disclosure;
FIG. 6 illustrates a logical schematic diagram of an information processing method according to one specific embodiment of the present disclosure;
fig. 7 shows a schematic structural diagram of a computer device according to an embodiment of the present disclosure.
Detailed Description
In order that the above-recited objects, features and advantages of embodiments of the present disclosure may be more clearly understood, a more particular description of embodiments of the present disclosure will be rendered by reference to the appended drawings and appended drawings. It should be noted that, in the case of no conflict, the embodiments of the present application and the features in the embodiments may be combined with each other.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the disclosed embodiments, however, the disclosed embodiments may be practiced in other ways than as described herein, and therefore the scope of the disclosed embodiments is not limited by the specific embodiments disclosed below.
Embodiments of the first aspect of the present disclosure provide an information processing method.
Fig. 1 shows a schematic flowchart of an information processing method according to a first embodiment of the present disclosure.
As shown in fig. 1, the information processing method of the first embodiment of the present disclosure includes:
s102, transmitting user basic information of a current login account to a server of a target asset management mechanism so that the server can execute identity authentication operation and three-party protocol signing operation on the current login account and generate corresponding subscription information;
s104, receiving subscription information fed back by a server;
s106, associating the current login account number with account number information of the target asset management mechanism according to the subscription information.
The information processing method provided by the embodiment of the disclosure is particularly used for a third party payment application program, when the user needs to be subjected to identity authentication and sign a three-party agreement for payment, the user basic information of the current login account is sent to a server of a target asset management mechanism grasping user asset and privacy information, the server executes the identity authentication operation and the three-party agreement signing operation, the touch and the storage of the privacy information by a payment company can be isolated, and the verification and the agreement signing are completed by an application grasping the asset and the privacy information (namely, the server of the target asset management mechanism), so that the safety of the user privacy is ensured, and the operating pressure of the payment application program server can be reduced, and the operating efficiency of the payment application program server is improved. And the payment application program completes the association of the payment application program and the account number of the target asset management mechanism according to the subscription information fed back by the server, and can perform the domination of the user in a certain amount on funds in the target asset management mechanism in the subsequent payment process. Specifically, the method can be used for a terminal carrying a payment application program and a server of the payment application program.
In some embodiments, the user basic information includes a name and an identification card number.
In this embodiment, the user base information includes a name and an identification number sufficient to reflect the user's identity for subsequent operations by the target asset management entity, which can both reduce the amount of transmitted information and help to preserve user privacy.
In some embodiments, the subscription information includes user basic information, account information associated with the user basic information stored in the server, and a protocol number.
In this embodiment, the subscription information includes user basic information, which can facilitate the payment application to check whether the information is consistent; the account information is information registered by the user in the target asset management mechanism, so that fund receipt and payment operations can be conveniently executed according to the information, and the relationship between basic information of the associated user and account information of a plurality of application programs is facilitated; the protocol number reflects the successful signing of the three-party protocol, thereby being convenient for executing the fund receipt and payment operation according to the protocol number, and not only being unnecessary to transmit the whole three-party protocol, but also reducing the information transmission quantity and the operation pressure.
Fig. 2 shows a schematic flowchart of an information processing method according to a second embodiment of the present disclosure.
As shown in fig. 2, the information processing method of the second embodiment of the present disclosure includes:
s202, judging whether user basic information corresponding to the current login account is stored or not, wherein the user basic information comprises a name and an identity card number, if yes, turning to S208, and if not, turning to S204;
s204, outputting prompt information to prompt a user to input basic information of the user;
s206, checking whether the name in the user basic information corresponds to the identity card number, if so, turning to S208, and if not, turning to S214;
s208, the user basic information is sent to a server of a target asset management mechanism, so that the server executes identity authentication operation and three-party agreement signing operation on the current login account, and corresponding subscription information is generated;
s210, receiving subscription information fed back by a server;
s212, associating the current login account number with account number information of a target asset management mechanism according to subscription information;
s214, outputting error reporting information to prompt that the name is not consistent with the ID card number.
In this embodiment, it is first determined in S202 whether the user basic information is stored, and if the user basic information is stored, the process goes directly to S208 without inputting again, so that the user operation is further simplified, and the information processing load is reduced. If it is determined in S202 that the user basic information is not stored, the process goes to S204 to prompt the user to input the user basic information in time by outputting the prompt information, so as to ensure smooth progress of the signing process. The output prompt message can be specifically realized by displaying a text input box, and specific information names, namely names and identification numbers, are marked beside the text input box so that a user can input the names and the identification numbers in the corresponding text input box.
In addition, in S206, the payment application program performs real-name verification on the user basic information first, and uses the real-name verification as basic identity verification, so that the identity authentication procedure of the server of the target asset management institution can be simplified. Specifically, the real-name verification is performed on the user basic information acquired for the first time in S204, and for the stored and non-first-time-acquired user basic information already confirmed in S202, since the real-name verification is performed when the user basic information is acquired for the first time, the verification is not needed to be performed again when the user basic information is used for the subsequent time, so that the real-name verification on the payment application program can replace the real-name verification of the server of each of the plurality of target asset management mechanisms, the same basic identity verification result can be ensured to be used among the plurality of application programs, the fact that the assets of different application programs on the same terminal belong to the same person is determined, repeated verification is reduced, and the operation efficiency of the server of each target asset management mechanism is facilitated to be optimized.
Fig. 3 shows a schematic flowchart of an information processing method according to a third embodiment of the present disclosure.
As shown in fig. 3, the information processing method of the third embodiment of the present disclosure includes:
s302, user basic information of a current login account is sent to a server of a target asset management mechanism, so that the server executes identity authentication operation and three-party protocol signing operation on the current login account, and corresponding subscription information is generated;
s304, receiving subscription information fed back by a server;
s306, outputting the subscription information and the confirmation reminding information to remind the user of confirming the subscription information;
s308, storing subscription information according to the received feedback information;
s310, associating the current login account number with account number information of the target asset management mechanism according to the subscription information.
In this embodiment, after receiving the subscription information fed back by the server, the subscription information is not directly stored, but is submitted to the user for secondary confirmation, so that the reliability of information processing can be improved. In addition, the subscription information is not sent by short messages, so that the user privacy is prevented from being hijacked, and the occupation of the short messages on the terminal data storage space can be reduced.
Fig. 4 shows a schematic flowchart of an information processing method according to a fourth embodiment of the present disclosure.
As shown in fig. 4, the information processing method of the fourth embodiment of the present disclosure includes:
s402, outputting an asset management mechanism list, wherein the asset management mechanism list comprises at least one asset management mechanism for selection by a user;
s404, acquiring the selected asset management mechanism and recording the selected asset management mechanism as a target asset management mechanism;
s406, outputting prompt information to prompt a user corresponding to the current login account to input user basic information, wherein the user basic information comprises a name and an identity card number;
s408, checking whether the name in the user basic information corresponds to the identity card number, if so, turning to S410, and if not, turning to S416;
s410, user basic information is sent to a server of a target asset management mechanism, so that the server executes identity authentication operation and three-party agreement signing operation on a current login account, and corresponding subscription information is generated;
s412, receiving subscription information fed back by the server;
s414, associating the current login account number with account number information of the target asset management mechanism according to the subscription information;
s416, outputting error reporting information to prompt that the name is not consistent with the ID card number.
In the embodiment, the user can directly select from the list by outputting the list of the asset management mechanism, so that the input operation of the user is simplified, and the problem that the name input by the user is not standard is avoided.
Fig. 5 shows a schematic flowchart of an information processing method according to a fifth embodiment of the present disclosure.
As shown in fig. 5, the information processing method of the fifth embodiment of the present disclosure includes:
s502, outputting an asset management mechanism list, wherein the asset management mechanism list comprises at least one asset management mechanism for selection by a user;
s504, acquiring the selected asset management mechanism and recording the selected asset management mechanism as a target asset management mechanism;
s506, outputting prompt information to prompt a user corresponding to the current login account to input user basic information, wherein the user basic information comprises a name and an identity card number;
s508, checking whether the name in the user basic information corresponds to the identity card number, if so, turning to S510, and if not, turning to S522;
s510, detecting whether an application program of a target asset management mechanism is installed on a terminal for logging in a current login account, if so, turning to S512, and if not, turning to S514;
s512, the user basic information is sent to a server of the target asset management mechanism so that the server can execute identity authentication operation and three-party agreement signing operation on the current login account and generate corresponding subscription information;
s514, outputting a download link for the terminal to install the application program;
s516, judging whether the application program is installed, if yes, turning to S512, and if not, returning to S516;
s518, receiving subscription information fed back by a server;
s520, associating the current login account number with account number information of a target asset management mechanism according to the subscription information;
s522, outputting error reporting information to prompt that the name is not consistent with the ID card number.
In this embodiment, when the application program of the target asset management mechanism is not installed on the terminal, the user can be guided to directly operate and download through the output download link, so that the subsequent authentication and signing operation can be ensured to be smoothly performed, and the user operation is facilitated.
The information processing method provided by the embodiment of the present disclosure is described in a specific embodiment with reference to fig. 6:
firstly, entering a payment application program, displaying a bank list, selecting a banking for a user, and requiring the user to input user basic information including a name and an identity card number (if the user is an old user, no input is required) by the payment application program to complete basic verification.
And then, calling the palm living application program of the sponsor bank (if necessary, downloading can be guided), simultaneously transmitting the user basic information to the background of the palm living application program of the sponsor bank by the background, requiring the user to log in by the palm living, checking whether the logged-in user is consistent with the user basic information acquired by the background, and determining the form and means of checking the user by the palm living application program of the sponsor bank, wherein the safety and the flexibility are controlled by the palm living application program of the sponsor bank. The user confirms the three-party agreement content of the subscription, and checks and agrees to the subscription.
And finally, the hand-held life application program of the tenderer bank transmits the user basic information of the user, the hand-held life account information of the tenderer bank and the contracted protocol number back to the payment application program. The foreground also jumps back to the payment application, and the user confirms the account binding relation of the user again in the payment application. The flow ends.
As shown in fig. 7, the embodiment of the second aspect of the embodiments of the present disclosure provides a computer device 1, including a memory 12, a processor 14, and a computer program stored in the memory 12 and capable of running on the processor 14, where the processor 14 implements the steps of the information processing method described in any of the foregoing embodiments when executing the computer program, so that all the advantageous technical effects of the information processing method are provided and are not described herein.
In particular, the memory 12 may include mass storage for data or instructions. By way of example, and not limitation, memory 12 may comprise a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, magnetic tape, or universal serial bus (Universal Serial Bus, USB) Drive, or a combination of two or more of the foregoing. The memory 12 may include removable or non-removable (or fixed) media, where appropriate. Memory 12 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 12 is a non-volatile solid-state memory. In particular embodiments, memory 12 includes Read Only Memory (ROM). The ROM may be mask programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically Erasable PROM (EEPROM), electrically rewritable ROM (EAROM), or flash memory, or a combination of two or more of these, where appropriate.
The processor 14 may include a Central Processing Unit (CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured as one or more integrated circuits that implement embodiments of the present disclosure.
An embodiment of the third aspect of the disclosed embodiments provides a computer readable storage medium, on which a computer program is stored, where the computer program when executed by a processor implements the steps of the information processing method according to any one of the above embodiments, so that all the beneficial technical effects of the information processing method are provided, and are not described herein.
Computer-readable storage media may include any medium that can store or transfer information. Examples of a computer readable storage medium include an electronic circuit, a semiconductor memory device, a ROM, a flash memory, an Erasable ROM (EROM), a floppy disk, a CD-ROM, an optical disk, a hard disk, a fiber optic medium, a Radio Frequency (RF) link, and the like. The code segments may be downloaded via computer networks such as the internet, intranets, etc.
The technical scheme of the embodiment of the disclosure is described in detail by combining the drawings, the embodiment of the disclosure provides an information processing scheme in the payment signing process, and the user account payment three-way protocol is signed by confirming the user basic information of the user and associating account information, so that the payment is completed by using the protocol number in the subsequent payment process, the user experience is improved, and the user privacy information safety is ensured. Specifically, a user selects a bank (or other asset management mechanism) needing authentication and signing at a product entrance of a payment company, a payment application program verifies user basic information to complete real-name verification, the user basic information is transmitted to the bank application program (or other asset management mechanism application program, the bank application program is taken as an example below) through a background interface, the bank application program completes user login, identity verification and privacy verification (identity verification and privacy verification are identity authentication), signing of a three-party protocol for payment is completed, and then signing information is returned to an initiated payment application program through the background interface.
The foregoing description is only a preferred embodiment of the disclosed embodiments and is not intended to limit the disclosed embodiments, as various modifications and changes may be made to the disclosed embodiments by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the embodiments of the present disclosure should be included in the protection scope of the embodiments of the present disclosure.
Claims (10)
1. An information processing method, characterized in that a terminal for carrying a third party payment application or a server of the third party payment application, comprises:
the method comprises the steps of sending user basic information of a current login account to a server of a target asset management mechanism, so that the server can execute identity authentication operation and three-party protocol signing operation on the current login account, and corresponding subscription information is generated;
receiving the subscription information fed back by the server;
associating the current login account number with account number information of the target asset management mechanism according to the subscription information;
the subscription information comprises the user basic information, the account information associated with the user basic information and the protocol number stored in the server;
the account information is information registered by the user in the target asset management mechanism;
the protocol number is used for reflecting the successful signing of the three-party protocol.
2. The information processing method according to claim 1, wherein,
the user basic information comprises a name and an identity card number.
3. The information processing method according to claim 1, characterized in that before the operation of transmitting the user basic information of the current login account to the server of the target asset management institution, the information processing method further comprises:
and outputting prompt information to prompt a user to input the user basic information.
4. The information processing method according to claim 3, characterized in that before the operation of outputting the hint information, the information processing method further comprises:
judging whether the user basic information is stored or not, and if not, executing the operation of outputting the prompt information.
5. The information processing method according to claim 3, characterized in that after the operation of outputting the hint information, the information processing method further comprises:
and checking whether the name in the user basic information corresponds to the identification card number, and if so, executing the operation of sending the user basic information of the current login account to a server of a target asset management mechanism.
6. The information processing method according to any one of claims 1 to 5, characterized in that after the step of receiving the subscription information fed back by the server, the information processing method further comprises:
outputting the subscription information and confirmation reminding information to remind a user to confirm the subscription information;
and storing the subscription information according to the received feedback information.
7. The information processing method according to any one of claims 1 to 5, characterized in that before the operation of transmitting the user basic information of the current login account to the server of the target asset management institution, the information processing method further comprises:
outputting an asset management mechanism list, wherein the asset management mechanism list comprises at least one asset management mechanism for selection by a user;
and acquiring the selected asset management mechanism and recording the selected asset management mechanism as the target asset management mechanism.
8. The information processing method according to claim 7, wherein after the step of acquiring the selected asset management entity, denoted as the target asset management entity, before the operation of transmitting the user basic information of the current login account to the server of the target asset management entity, the information processing method further comprises:
detecting whether an application program of the target asset management mechanism is installed on a terminal logging in the current login account;
based on the condition that the detection result is yes, executing the operation of sending the user basic information of the current login account to a server of the target asset management mechanism;
and outputting a download link for the terminal to install the application program based on the condition that the detection result is negative, and executing the operation of sending the user basic information of the current login account to the server of the target asset management mechanism after the installation is completed.
9. Computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the information processing method according to any of claims 1 to 8 when the computer program is executed.
10. A computer-readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the information processing method according to any one of claims 1 to 8.
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| CN112396409A (en) * | 2020-11-27 | 2021-02-23 | 中国银联股份有限公司 | Digital resource account binding method, device, equipment and medium |
| CN113411349B (en) * | 2021-07-22 | 2022-09-02 | 用友汽车信息科技（上海）股份有限公司 | Authentication method, authentication system, computer device and storage medium |
| CN113641494A (en) * | 2021-08-11 | 2021-11-12 | 京东科技控股股份有限公司 | Server and control method and device thereof |
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