CN112396424B - Transaction method and system integrating instant messaging system - Google Patents
Transaction method and system integrating instant messaging system Download PDFInfo
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- CN112396424B CN112396424B CN201910751783.XA CN201910751783A CN112396424B CN 112396424 B CN112396424 B CN 112396424B CN 201910751783 A CN201910751783 A CN 201910751783A CN 112396424 B CN112396424 B CN 112396424B
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- 238000000034 method Methods 0.000 title claims abstract description 69
- 238000012790 confirmation Methods 0.000 claims abstract description 84
- 238000012795 verification Methods 0.000 claims abstract description 24
- 238000012545 processing Methods 0.000 claims description 18
- 230000003993 interaction Effects 0.000 claims description 14
- 238000004891 communication Methods 0.000 claims description 6
- 238000010200 validation analysis Methods 0.000 claims description 4
- 238000004590 computer program Methods 0.000 claims description 3
- 238000012544 monitoring process Methods 0.000 claims description 2
- 230000008569 process Effects 0.000 abstract description 38
- 238000010586 diagram Methods 0.000 description 5
- 238000002955 isolation Methods 0.000 description 3
- 230000005540 biological transmission Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000005516 engineering process Methods 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 230000004927 fusion Effects 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000001960 triggered effect Effects 0.000 description 1
Classifications
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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 discloses a transaction method and a transaction system integrating an instant messaging system, wherein after the transaction system in the embodiment of the invention receives a transaction intention sent by a first transaction party, a confirmation password is set for the transaction intention, and then the confirmation password and the transaction intention are sent to a second transaction party through the instant messaging system; the transaction system receives transaction reply content and verification password contained in the transaction reply content sent by the second transaction party through the instant messaging system, and processes related transaction information according to the verification result. Therefore, the instant messaging system can be integrated in the transaction process, so that the whole transaction process is monitored by the transaction system between the second transaction party and the first transaction party through the instant messaging system, and the safety and timeliness of the transaction are ensured.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a transaction method and a transaction system integrating an instant messaging system.
Background
With the development of computer technology, various transaction processes can be completed through a transaction system built by a computer architecture. When the transaction is carried out, logging into a set transaction system to finish the transaction. Since the transaction system involves the financial field, it is important to ensure security in the transaction process. In order to ensure the security, the transaction system generally does not open an access interface, so that the isolation of the transaction system from other types of computer systems is realized, and when the transaction is realized, the transaction can only be realized by logging in the transaction system. In this case, when the first transaction party of the transaction system is to complete the transaction, the first transaction party and the second transaction party cannot directly complete the transaction confirmation in the transaction system through the instant messaging system, and when the first transaction party and the second transaction party conduct the transaction negotiation in private, the instant messaging system is generally adopted for negotiation, which increases the complexity of the transaction process and deteriorates the timeliness of the transaction process.
Disclosure of Invention
Therefore, the embodiment of the invention provides a transaction method integrating an instant messaging system, which can reduce the complexity of the transaction process and improve the timeliness of the transaction process.
The embodiment of the invention also provides a transaction system integrating the instant messaging system, which can reduce the complexity of the transaction process and improve the timeliness of the transaction process.
The embodiment of the invention is realized as follows:
a transaction method integrating an instant messaging system, comprising:
receiving a transaction intention sent by a first transaction party, and setting a confirmation password for the transaction intention;
transmitting the confirmation password and the transaction intention to a second transaction party through the instant messaging system;
and receiving the transaction reply content sent by the second transaction party through the instant messaging system, verifying the confirmation password contained in the transaction reply content, and processing the related transaction information according to the verification result.
The processing related transaction information according to the verification result comprises the following steps:
if the verification is successful, the transaction corresponding to the transaction intention is confirmed to be successful.
The method further comprises the steps of:
and sending the successful message of the transaction to the first transaction party and sending the successful message of the transaction to the second transaction party through the instant messaging system.
The method further comprises the steps of: the transaction system transmits a confirmation password contained in the transaction reply content to the first transaction party.
Before setting the confirmation password for the transaction intent, the method further comprises:
recording the received transaction intent;
performing risk monitoring on the recorded transaction intention to determine that the transaction risk does not exceed a set index;
the validity verification of the second party to the transaction intent is passed.
The confirmation password includes: the identification and the unique identification code are confirmed, and the unique identification code comprises: system identification, time identification, and/or multi-factor signature digest.
Verifying the confirmation password contained in the transaction reply content includes:
identifying that the transaction reply content has a matched confirmation identifier;
matching the system identifier and the time identifier in the transaction reply content;
matching the multi-factor signature digest in the transaction reply content;
the matching is terminated, and a confirmation password is assembled from transaction reply contents;
and checking the assembled confirmation password.
The verifying of the assembled confirmation password comprises the following steps:
determining that the confirmation password is valid;
confirm that the unique identification code in the password has been associated with the intent-to-transact;
confirming that the transaction responsibility and authority are confirmed;
the first transaction party and the second transaction party are parties for buying and selling associated transaction intent;
and checking success, and executing the step of confirming that the transaction corresponding to the transaction intention is successful.
A transaction system incorporating an instant messaging system, comprising: the device comprises a first interaction unit, a second interaction unit and a processing unit, wherein,
the first interaction unit is used for receiving the transaction intention sent by the first transaction party and setting a confirmation password for the transaction intention;
the second interaction unit is used for sending the confirmation password and the transaction intention to a second transaction party through the instant communication system;
the processing unit is used for receiving the transaction reply content sent by the second transaction party through the instant messaging system, verifying the confirmation password contained in the transaction reply content and processing the related transaction information according to the verification result.
A transaction device incorporating an instant messaging system, comprising:
a memory; and a processor coupled to the memory, the processor configured to execute the transaction method of the converged instant messaging system of any one of the preceding claims based on instructions stored in the memory.
A computer readable storage medium having stored thereon a computer program which when executed by a processor implements the transaction method of any of the above described converged instant messaging systems.
As can be seen from the above, after the transaction system in the embodiment of the present invention receives the transaction intention sent by the first transaction party, a confirmation password is set for the transaction intention, and then the confirmation password and the transaction intention are sent to the second transaction party through the instant messaging system; the transaction system receives transaction reply content and verification password contained in the transaction reply content sent by the second transaction party through the instant messaging system, and processes related transaction information according to the verification result. Therefore, the instant messaging system can be integrated in the transaction process, so that the whole transaction process is monitored by the transaction system between the second transaction party and the first transaction party through the instant messaging system, and the safety and timeliness of the transaction are ensured.
Drawings
FIG. 1 is a flow chart of a transaction method integrating instant messaging systems according to an embodiment of the present invention;
FIG. 2 is a flowchart of a method for sending a confirmation password to a second transaction party according to an embodiment of the present invention;
FIG. 3 is a flow chart illustrating a transaction system according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of an information structure of a confirmation password according to an embodiment of the present invention;
FIG. 5 is a flow chart of communication interactions between a first transaction part and a second transaction part provided by an embodiment of the present invention;
FIG. 6 is a flow chart of a transaction verification process provided by an embodiment of the present invention;
FIG. 7 is a flow chart of a transaction system for verifying a validation password according to an embodiment of the invention;
FIG. 8 is a schematic diagram of a password identification module of a transaction system according to an embodiment of the present invention for verifying a confirmation password;
fig. 9 is a schematic diagram of a transaction system integrated with an instant messaging system according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention will be further described in detail below by referring to the accompanying drawings and examples.
It can be seen that the reasons for the complexity of the transaction process and the poor timeliness of the transaction process in the background art are mainly: the transaction system is isolated from other various types of computer systems. To overcome this problem, the transaction system may also enable the second transaction part to be accessed into the transaction system, in which the transaction process of the first transaction part and the second transaction part is implemented. However, as the second transaction parties are numerous, the transaction system opens a plurality of interfaces to realize the access of the second transaction parties one by one, which is complicated, the security is not high, and the timeliness still cannot be improved; furthermore, in private, the first transaction party also communicates with the second transaction party through the instant messaging system, and the transaction system cannot monitor the process, so that the security is further reduced.
Therefore, in order to overcome the above problems, the embodiment of the present invention opens the isolation state between the transaction system and other various types of computer systems, enhances the participation degree of other various types of computer systems in the transaction process implemented by the transaction system, ensures the security of the transaction system, promotes the wind control capability of other various types of computer systems in the transaction process, ensures the mark remaining in the whole transaction process, and adopts the following modes: after receiving the transaction intention sent by the first transaction party, the transaction system in the embodiment of the invention sets a confirmation password for the transaction intention, and then sends the confirmation password and the transaction intention to the second transaction party through the instant messaging system; the transaction system receives transaction reply content and verification password contained in the transaction reply content sent by the second transaction party through the instant messaging system, and processes related transaction information according to the verification result.
Therefore, the instant messaging system can be integrated in the transaction process, so that the whole transaction process is monitored by the transaction system between the second transaction party and the first transaction party through the instant messaging system, and the safety and timeliness of the transaction are ensured.
In the embodiment of the invention, the first transaction party and the second transaction party are respectively terminal devices, the terminal device of the first transaction party can be directly connected to a transaction system, the terminal device of the second transaction party adopts an instant messaging system, and the terminal device of the second transaction party cannot be directly connected to the transaction system generally.
In the embodiment of the present invention, the second transaction party refers to a transferee and a transferee existing in one transaction, and if the side of the first transaction party is the transferee, the second transaction party is the transferee.
Fig. 1 is a flow chart of a transaction method of a converged instant messaging system according to an embodiment of the present invention, which specifically includes the following steps:
step 101, receiving a transaction intention sent by a first transaction party, and setting a confirmation password for the transaction intention;
step 102, transmitting the confirmation password and the transaction intention to a second transaction party through an instant messaging system;
step 103, receiving the transaction reply content sent by the second transaction party through the instant messaging system, verifying the confirmation password contained in the transaction reply content, and processing the related transaction information according to the verification result.
In the method, the processing the related transaction information according to the verification result includes:
if the verification is successful, the transaction corresponding to the transaction intention is confirmed to be successful.
In the method, further comprising:
and sending the successful message of the transaction to the first transaction party and sending the successful message of the transaction to the second transaction party through the instant messaging system.
Thus, after the transaction system adopts the method shown in fig. 1, the isolation between the transaction system and the instant messaging system can be effectively solved, the transaction process can be effectively recorded, and the transaction process can be archived.
Specifically, steps 101 and 102 of fig. 1 are implemented by using a procedure shown in fig. 2, and fig. 2 is a flowchart of a method for sending a confirmation password to a second transaction party according to an embodiment of the present invention, where the specific steps are as follows:
step 201, a first transaction party sends transaction intent to a transaction system;
step 202, after receiving the transaction intention, the transaction system sets a confirmation password for the transaction intention;
step 203, the transaction system opens an access interface of the instant messaging system, so that the instant messaging system used by the second transaction party is accessed into the transaction system;
step 204, the transaction system sends the confirmation password and the transaction intention to the second transaction party through the instant messaging system.
In order to implement the process described in fig. 2, the transaction system needs to perform a series of processing and determining after receiving the transaction intention, as shown in fig. 3, fig. 3 is a flowchart of processing the transaction intention by the transaction system according to an embodiment of the present invention, which specifically includes the following steps:
step 301, a recording module in the transaction system records the received transaction intent;
step 302, the wind control module in the transaction system interacts with the recording module to monitor the risk of the recorded transaction intention, and if the risk is higher, the transaction system is reminded not to process the transaction intention;
step 303, a judging module in the transaction system receives the transaction intention sent by the recording module, judges whether a second transaction party related to the transaction intention is a legal user, and if so, executes step 304; if not, reminding the transaction system not to process the transaction intention;
here, the judgment as to whether the second transaction party involved in the transaction intention is legal is: judging whether the second transaction party is a user in a non-transaction system, namely, not storing the account number of the second transaction party in the transaction system, if so, confirming the second transaction party as a legal user, and if not, confirming the second transaction party as an illegal user;
step 304, a password generating module in the transaction system generates a confirmation password;
step 305, a notification module in the transaction system notifies the confirmation password.
Here, the information of the password generating module for generating the confirmation password is shown in fig. 4, and fig. 4 is a schematic diagram of the information structure of the confirmation password according to the embodiment of the present invention. As shown, the confirmation password generated by the password generation module includes:
1. a validation identifier, i.e. a text content representing a transaction validation recognizable by human natural language, such as "done" in the financial transaction process;
2. a unique identification code, i.e., a system identification, a time identification, and/or a multi-factor signature digest.
The confirmation password is provided with a text with unified rules, so that the password generation module can conveniently scan and identify the password. The confirmation password is used for designating the confirmation transaction intention, wherein the unique identification code is the key for connecting the transaction intention with the confirmation password in the subsequent process, and the multi-factor signature digest is determined by calculating according to the transaction intention, the server identification of the transaction system and the timestamp through a hash digest algorithm and intercepting part of the content according to the setting.
Step 103 of fig. 1 is implemented by adopting the process of fig. 5, and fig. 5 is a communication interaction flow chart between a first transaction party and a second transaction party provided by an embodiment of the present invention, where specific steps are as follows:
step 501, when receiving the transaction intention and the confirmation password sent by the transaction system, the second transaction party confirms that the transaction intention is correct;
step 502, the second transaction party sends transaction reply content to the transaction system through the instant messaging system, wherein the transaction reply content comprises a confirmation password;
step 503, the transaction system identifies and obtains a confirmation password from the transaction reply content, and steps 504 and 505 are executed;
step 504, the transaction system verifies whether the confirmation password is correct, and if so, the transaction is confirmed to be successful;
step 505, the transaction system transparently transmits the confirmation password to the first transaction party.
In this process, the instant messaging system is connected to the transaction system, so that the receiving module of the transaction system also receives the confirmation password, on one hand, the confirmation password is transmitted to the first transaction party, on the other hand, the password identification module in the transaction system is called to check the confirmation password, and if successful, the process shown in fig. 6 is triggered again.
Fig. 6 is a flowchart of a transaction confirmation process according to an embodiment of the present invention, which specifically includes the following steps:
step 601, a transaction system sends a message of successful transaction to a first transaction party;
step 602, the transaction system sends a message of successful transaction to the second transaction party through the instant messaging system.
FIG. 7 is a flowchart of a transaction system for verifying a confirmation password according to an embodiment of the present invention, which specifically includes the following steps:
step 701, a receiving module of the transaction system receives the transaction reply content through the instant messaging system, and steps 702 and 703 are executed;
step 702, the transaction system transparently transmits a confirmation password in the transaction reply content to the first transaction party;
in the step, the transaction reply content can also be directly transmitted in a transparent way;
step 703, the receiving module of the transaction system sends the received confirmation password to the password identification module of the transaction system;
step 704, the password identification module of the transaction system identifies and verifies the confirmation password based on the record called from the record module, and if the identification and verification pass, step 705 is executed; otherwise, ending the flow;
step 705, the transaction system determines that the transaction is completed, and performs the message transmission process of successful subsequent transactions.
In step 704 of fig. 7, as shown in fig. 8, fig. 8 is a process flow chart of identifying and verifying a confirmation password by a password identification module of a transaction system according to an embodiment of the present invention, including:
step 801, identifying that the transaction reply content has a matched confirmation identifier;
step 802, matching a system identifier and a time identifier in transaction reply content;
step 803, matching the multi-factor signature digest in the transaction reply content;
step 804, matching is terminated, and a confirmation password is assembled from transaction reply contents;
step 805, obtaining a unique identification code in the confirmation password;
step 806, checking the assembled confirmation password.
During verification, the method can intensively judge: 1. determining whether the confirmation password is valid; 2. confirming whether the unique identification code in the password is related to the transaction intention in the recording module, if so, continuing to judge; 3. whether the transaction system has the function of confirming the transaction responsibility and authority; 4. and if the first transaction party and the second transaction party are the buyers and sellers related to the transaction intention, the verification is successful, the recording module is called, and the transaction achievement corresponding to the transaction intention of the confirmation password is carried out.
In the embodiment of the invention, when the same second transaction party has a plurality of transaction intents to be confirmed at the same time, the transaction system needs to generate different confirmation passwords for each transaction intents so as not to confuse the transaction intents in the subsequent execution process.
Fig. 9 is a schematic diagram of a transaction system structure of a converged instant messaging system according to an embodiment of the present invention, including: the device comprises a first interaction unit, a second interaction unit and a processing unit, wherein,
the first interaction unit is used for receiving the transaction intention sent by the first transaction party and setting a confirmation password for the transaction intention;
the second interaction unit is used for sending the confirmation password and the transaction intention to a second transaction party through the instant communication system;
the processing unit is used for receiving the transaction reply content sent by the second transaction party through the instant messaging system, verifying the confirmation password contained in the transaction reply content and processing the related transaction information according to the verification result.
In the system, the first transaction party and the second transaction party are respectively terminal equipment, the terminal equipment of the first transaction party can be directly connected into a transaction system, and the terminal equipment of the second transaction party adopts an instant messaging system.
The embodiment of the invention also provides a transaction device integrating the instant messaging system, which comprises:
a memory; and a processor coupled to the memory, the processor configured to execute the transaction method of the converged instant messaging system based on the instructions stored in the memory.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, which when executed by a processor, implements the transaction method of the fusion instant messaging system.
According to the embodiment of the invention, the second transaction party can directly confirm the transaction achievement by replying the confirmation password through the instant messaging system, especially under the trend of transferring the transaction system to the instant messaging system. Users on enterprise-level instant messaging systems all need to be authenticated, i.e., the second party to the transaction needs to be set, enough to satisfy the knowledgeable customer (KYC) principle in the transaction system. Meanwhile, the enterprise-level instant communication system is also used for encrypting and transmitting when transmitting data, so that the security of the data, namely the security of a confirmation password, is ensured.
The foregoing description of the preferred embodiments of the invention is not intended to be limiting, but rather to enable any modification, equivalent replacement, improvement or the like to be made within the spirit and principles of the invention.
Claims (9)
1. A transaction method integrating an instant messaging system, comprising:
receiving a transaction intention sent by a first transaction party, and setting a confirmation password for the transaction intention;
transmitting the confirmation password and the transaction intention to a second transaction party through the instant messaging system;
receiving transaction reply content sent by a second transaction party through an instant messaging system, verifying a confirmation password contained in the transaction reply content, and processing related transaction information according to a verification result;
wherein verifying the confirmation password contained in the transaction reply content comprises:
identifying that the transaction reply content has a matched confirmation identifier;
matching the system identifier and the time identifier in the transaction reply content;
matching the multi-factor signature digest in the transaction reply content;
the matching is terminated, and a confirmation password is assembled from transaction reply contents;
and checking the assembled confirmation password.
2. The method of claim 1, wherein processing the related transaction information based on the verification result comprises:
if the verification is successful, confirming that the transaction corresponding to the transaction intention is successful;
the method further comprises the steps of:
and sending the successful message of the transaction to the first transaction party and sending the successful message of the transaction to the second transaction party through the instant messaging system.
3. The method of claim 1 or 2, further comprising: the transaction system transmits a confirmation password contained in the transaction reply content to the first transaction party.
4. The method of claim 1, further comprising, prior to setting a confirmation password for the transaction intent:
recording the received transaction intent;
performing risk monitoring on the recorded transaction intention to determine that the transaction risk does not exceed a set index;
the validity verification of the second party to the transaction intent is passed.
5. The method of claim 1 or 2, wherein the confirmation password comprises: the identification and the unique identification code are confirmed, and the unique identification code comprises: system identification, time identification, and/or multi-factor signature digest.
6. The method of claim 1, wherein verifying the assembled validation password comprises:
determining that the confirmation password is valid;
confirm that the unique identification code in the password has been associated with the intent-to-transact;
confirming that the transaction responsibility and authority are confirmed;
the first transaction party and the second transaction party are parties for buying and selling associated transaction intent;
and checking success, and executing the step of confirming that the transaction corresponding to the transaction intention is successful.
7. A transaction system incorporating an instant messaging system, comprising: the device comprises a first interaction unit, a second interaction unit and a processing unit, wherein,
the first interaction unit is used for receiving the transaction intention sent by the first transaction party and setting a confirmation password for the transaction intention;
the second interaction unit is used for sending the confirmation password and the transaction intention to a second transaction party through the instant communication system;
the processing unit is used for receiving the transaction reply content sent by the second transaction party through the instant messaging system, verifying the confirmation password contained in the transaction reply content and processing related transaction information according to the verification result;
the processing unit is specifically configured to verify a confirmation password included in the transaction reply content, and includes: identifying that the transaction reply content has a matched confirmation identifier; matching the system identifier and the time identifier in the transaction reply content; matching the multi-factor signature digest in the transaction reply content; the matching is terminated, and a confirmation password is assembled from transaction reply contents; and checking the assembled confirmation password.
8. A transaction device incorporating an instant messaging system, comprising:
a memory; and a processor coupled to the memory, the processor configured to execute the transaction method of the converged instant messaging system of any one of claims 1 to 6 based on instructions stored in the memory.
9. A computer readable storage medium having stored thereon a computer program, which when executed by a processor, implements the transaction method of the converged instant messaging system of any one of claims 1 to 6.
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| CN108596619A (en) * | 2018-04-26 | 2018-09-28 | 深圳怡化电脑股份有限公司 | For the method for commerce of block catenary system, device, Centroid and system |
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| US10339525B2 (en) * | 2011-10-27 | 2019-07-02 | Boom! Payments, Inc. | Confirming local marketplace transaction consummation for online payment consummation |
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| AU2005203599A1 (en) * | 2000-02-14 | 2005-09-01 | Yong Kin Ong (Michael) | Electronic funds transfer |
| CN101000673A (en) * | 2006-01-13 | 2007-07-18 | 蒋利 | Confirmation system and method for user transaction password |
| CN102073801A (en) * | 2009-11-23 | 2011-05-25 | 邵通 | Method for confirming data in CPU (Central Processing Unit) card |
| WO2017074281A1 (en) * | 2015-10-27 | 2017-05-04 | DOGAN, Mustafa Cemal | Multi-dimensional authentication system and method for cardless banking transactions and other transactions involving high-level security |
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Address after: Room 221, 2 / F, block C, 18 Kechuang 11th Street, Daxing District, Beijing, 100176 Applicant after: Jingdong Technology Holding Co.,Ltd. Address before: Room 221, 2 / F, block C, 18 Kechuang 11th Street, Beijing Economic and Technological Development Zone, 100176 Applicant before: JINGDONG DIGITAL TECHNOLOGY HOLDINGS Co.,Ltd. |
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