CN114693302A - Transaction service processing method, device, equipment and storage medium - Google Patents

Transaction service processing method, device, equipment and storage medium Download PDF

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Publication number
CN114693302A
CN114693302A CN202011617303.XA CN202011617303A CN114693302A CN 114693302 A CN114693302 A CN 114693302A CN 202011617303 A CN202011617303 A CN 202011617303A CN 114693302 A CN114693302 A CN 114693302A
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service system
transaction
user
binding
processing
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朱冬雪
王汝东
孔威
杨红栋
牛树鹏
武林
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Chinabank Payments Beijing Technology Co Ltd
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Chinabank Payments Beijing Technology Co Ltd
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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
    • 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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/3674—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 involving authentication
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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Abstract

The application provides a processing method, a device, equipment and a storage medium of transaction business, wherein the method comprises the following steps: the method comprises the steps that a first business system obtains a transaction business processing request sent by a second business system, wherein the processing request comprises a user identifier and a transaction amount; checking the user identification to determine whether the user identification is a legal user in the first service system; and under the condition that the user identification is a legal user in the first service system, carrying out deduction processing on the user identification in an associated account of the first service system according to the transaction amount. According to the scheme of the application, the requirement of expanding external transaction scenes for the service system can be met, and the payment function is improved.

Description

Transaction service processing method, device, equipment and storage medium
Technical Field
The present application relates to the field of payment technologies, and in particular, to a method, an apparatus, a device, and a storage medium for processing a transaction service.
Background
Electronic payment is the act of sending payment information electronically to a monetary payment effected by a processing agency. With the development of internet technology, electronic payment has become a common way to handle transaction traffic.
At present, when transaction service is processed through a service system, the service system depends on the existing transaction scene, the payment function is single, and a scheme capable of meeting the requirement of expanding the external transaction scene for the service system is needed.
Disclosure of Invention
The present application is directed to solving, at least to some extent, one of the technical problems in the related art.
Therefore, the application provides a transaction service processing method, a transaction service processing device, transaction service processing equipment and a transaction service processing storage medium, which can meet the requirement of expanding external transaction scenes for a service system and improve the payment function.
An embodiment of a first aspect of the present application provides a method for processing a transaction service, including:
a first service system acquires a transaction service processing request sent by a second service system, wherein the processing request comprises a user identifier and a transaction amount;
checking the user identification to determine whether the user identification is a legal user in the first service system;
and under the condition that the user identification is a legal user in the first service system, carrying out deduction processing on the associated account of the user identification in the first service system according to the transaction amount.
In a second aspect of the present application, an embodiment provides a processing apparatus for transaction service, including:
the system comprises an acquisition module, a transaction processing module and a processing module, wherein the acquisition module is used for a first service system to acquire a transaction processing request sent by a second service system, and the processing request comprises a user identifier and a transaction amount;
the checking module is used for checking the user identification so as to determine whether the user identification is a legal user in the first service system;
and the transaction module is used for deducting the money of the user identification in the associated account of the first service system according to the transaction amount under the condition that the user identification is a legal user in the first service system.
The embodiment of the third aspect of the present application provides an electronic device, which includes at least one processor, and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor to enable the at least one processor to perform a method of processing a transaction service as described in an embodiment of the first aspect.
A fourth aspect of the present application is directed to a non-transitory computer-readable storage medium storing computer instructions for causing a computer to execute the method for processing a transaction service according to the first aspect.
One embodiment in the above application has the following advantages or benefits: the transaction service processing request sent by the second service system is obtained through the first service system, the user identification in the processing request is verified to determine whether the user identification is a legal user in the first service system, and under the condition that the user identification is the legal user in the first service system, the payment processing is carried out on the account associated with the user identification in the first service system according to the transaction amount in the processing request, so that the requirement of expanding an external transaction scene of the service system can be met, and the payment function is perfected.
It should be understood that the statements in this section do not necessarily identify key or critical features of the embodiments of the present application, nor do they limit the scope of the present application. Other features of the present application will become apparent from the following description.
Drawings
The drawings are included to provide a better understanding of the present solution and are not intended to limit the present application. Wherein:
fig. 1 is a schematic flowchart of a transaction service processing method according to an embodiment of the present disclosure;
fig. 2 is a schematic flowchart of another transaction service processing method according to an embodiment of the present application;
fig. 3 is a schematic flowchart of another transaction service processing method according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of a transaction processing device according to an embodiment of the present application;
FIG. 5 illustrates a block diagram of an exemplary electronic device suitable for use in implementing embodiments of the present application.
Detailed Description
The following description of the exemplary embodiments of the present application, taken in conjunction with the accompanying drawings, includes various details of the embodiments of the application for the understanding of the same, which are to be considered exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present application. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic flowchart of a processing method of a transaction service according to an embodiment of the present application, and as shown in fig. 1, the method includes:
step 101, a first service system acquires a transaction service processing request sent by a second service system, wherein the processing request comprises a user identifier and a transaction amount.
The method of the embodiment of the application can be applied to transaction service processing under the condition of expanding external transaction scenes aiming at the first service system.
In this embodiment of the application, the second service system sends a transaction service processing request to the first service system, for example, when a user initiates a transaction, the acquirer of the merchant sends transaction information to the second service system, and the second service system generates the transaction service processing request and sends the transaction service processing request to the first service system.
The first business system may be a system supporting transaction business, for example, the first business system may process transaction business through a mobile wallet.
And the second business system is used for amplifying the external transaction scene mode for the first business system. Optionally, the first service system is used for amplifying an external transaction scene, binding the first service system which is activated by the user to the second service system, and displaying the bound first service system as a shortcut card form so as to support the transaction service for accepting the payment scene of the second service system. The second business system may be, for example, a unionpay payment.
The user identifier is used to indicate the identity of the user, and may include an account name of the user (e.g., the account name of the user at the first business system), and characters assigned to the user.
Step 102, the user identifier is checked to determine whether the user identifier is a valid user in the first service system.
In this embodiment, a corresponding relationship between the user identifier and the user category may be determined, where the user category includes a legal user and an illegal user, the first service system analyzes the transaction service processing request to obtain the user identifier carried in the processing request, and determines whether the user identifier is a legal user in the first service system according to the user identifier and the corresponding relationship obtained through analysis.
As an example, the first service system may perform a check according to the user identifier to determine a state of an account corresponding to the user identifier in the first service system, where the state of the account may include whether the account is available, whether authentication information is complete, and the like, and determine whether the user identifier is a valid user in the first service system according to the state of the account.
As another example, the first service system may further determine whether the type corresponding to the processing request is a transaction service type associated with the second service system, and in a case that it is determined that the corresponding type is the transaction service type associated with the second service system, determine that the user identifier is a valid user in the first service system.
In this embodiment, the first service system may determine whether to execute the transaction service processing request when receiving the transaction service processing request sent by the second service system, where a user identifier in the processing request is checked to determine whether the user identifier is a valid user in the first service system, and the transaction service processing request sent by the second service system is not executed when determining that the user identifier is not a valid user in the first service system.
And 103, under the condition that the user identification is a legal user in the first service system, carrying out deduction processing on the associated account of the user identification in the first service system according to the transaction amount.
In this embodiment, the first service system includes associated accounts corresponding to the user identifiers, where each user identifier may correspond to one or more associated accounts, and the associated accounts are used for performing deduction processing, for example, the associated accounts may be bank cards, credit cards, and the like. And under the condition that the user identification is a legal user in the first service system, the first service system analyzes and processes the request to obtain the transaction amount, and can deduct the amount which is the same as the transaction amount from the associated account.
In an embodiment of the application, the user identifier may correspond to multiple associated accounts in the first service system, and when performing the deduction process, one associated account of the multiple associated accounts may be selected to perform the deduction process. In this embodiment, the processing of deducting the money from the associated account of the user identifier in the first service system according to the transaction amount includes: acquiring priority information of each associated account and among the associated accounts of the user identification in the first service system, determining a target associated account to be deducted according to the priority information, and deducting the target associated account.
The user identification has priority information among all the associated accounts in the first service system, a target associated account with the highest priority in all the associated accounts can be determined according to the priority information, and deduction processing is carried out on the target associated account. Optionally, after the target associated account with the highest priority is determined, if the amount of the associated account with the highest priority is insufficient, the target associated accounts may be determined from the remaining associated accounts in the order of the priority from high to low, so as to perform the deduction process according to the target associated accounts.
According to the transaction service processing method, the transaction service processing request sent by the second service system is obtained through the first service system, the user identification in the processing request is verified to determine whether the user identification is a legal user in the first service system, and under the condition that the user identification is the legal user in the first service system, the payment processing is carried out on the associated account of the user identification in the first service system according to the transaction amount in the processing request. According to the scheme of the application, the first service system can deduct money from the associated account according to the transaction service processing request sent by the second service system, the requirement of expanding external transaction scenes of the service system is met, and the payment function is improved.
Based on the foregoing embodiment, in this embodiment of the present application, in order to implement external transaction scenario augmentation for the first service system, before the first service system obtains a transaction service processing request sent by the second service system, the user identifier and the second service system may be bound, and a service system binding process is described below. Fig. 2 is a schematic flowchart of a processing method of a transaction service according to an embodiment of the present application, and as shown in fig. 2, the method further includes:
step 201, the first service system sends a binding request to the second service system, where the binding request includes four-factor information of a user in the first service system.
In this embodiment, the user may trigger the first service system to send the binding request to the second service system through the first service system. The four-element information can be used for verifying and verifying the authenticity of user data, and comprises a card number, a name, an identification card number and a telephone number.
As an example, a binding button is arranged on the display interface of the first service system, and the user can click the binding button and check the protocol, and in response to the click operation of the binding button by the user, the display page shows an authentication prompt message which can be used for prompting the user to input a payment password, for example. And after the identity authentication is passed, the first service system sends the four-element information of the user to the second service system through the interface.
Step 202, a sequence number returned by the second service system is obtained.
In this embodiment, the second service system receives the four-factor information and generates a serial number, and the second service system sends the serial number to the first service system, so that the first service system obtains the page according to the serial number.
Step 203, acquiring the binding page in the second service system based on the sequence number.
The binding page may be a page in the second service system, and is used to display the four-factor information of the user in the first service system.
And step 204, responding to the acquired binding check instruction, and sending binding check information to the second service system.
Optionally, a binding button may be set in the binding page, and the binding process is triggered by the binding button. The binding check instruction includes, for example, a check code entered by the user in the binding page, and the check code may be transmitted to the mobile terminal of the user or the first service system by the second service system. And the user inputs the check code in the binding page, and the first service system responds to the acquired check code and sends the check code to the second service system so that the second service system receives the check code and verifies whether the check code is legal or not.
Step 205, obtaining the binding result returned by the second service system, and determining the binding state of the user identifier and the second service system.
In this embodiment, the second service system receives the check code and verifies whether the check code is legal, if the check code verifies the rule, the binding is determined to be successful, otherwise, the binding is determined to be failed. And the second service system generates a binding result and sends the binding result to the first service system, and the first service system determines and displays the binding state of the user identifier corresponding to the user and the second service system according to the binding result.
In an embodiment of the present application, before the first service system sends the binding request to the second service system, the method further includes: and determining that the user is a preset user in the first service system.
The users can be classified into multiple types of users in the service system, for example, the multiple types of users can include a deposit card, a credit card, a virtual card, and the like, and the preset user belongs to one or more of the multiple types of users.
In this embodiment, when it is determined that the user is the preset user, it is determined that the condition for binding the execution user identifier with the second service system is satisfied, and when it is determined that the user is not the preset user, it is determined that the condition for binding the execution user identifier with the second service system is not satisfied, so that it is possible to prevent the user who does not satisfy the condition from binding the second service system.
In an embodiment of the present application, before the first service system sends the binding request to the second service system, the method further includes: and determining that the equipment where the first service system is located is legal equipment and the network type currently used by the equipment is a specified type.
And determining that the condition for executing the binding of the user identifier and the second service system is met under the condition that the current equipment is legal and the network type used by the equipment is specified. Otherwise, refusing to execute the binding of the user identification and the second service system.
Optionally, it may be determined whether the device where the first service system is currently located is a device commonly used by the user, and when it is determined that the device is the device commonly used, it is determined that the device currently located is legal, and optionally, it may be determined whether the device currently located is the device commonly used by the user according to the unique device identifier and the ip address. The network types include, for example, personal mobile networks, home wireless networks, etc., with the specified type belonging to one or more of a plurality of network types.
For example, the second business system including the application is taken as an example for description,
in the first service system, the key used for binding the user identification and the second service system is displayed after determining that interception is not executed, determining that the user is a preset user in the first service system, determining that the equipment where the first service system is located is legal equipment and the network type used by the equipment currently is an appointed type and determining that the certificate type authenticated by the user real name is an identity card through the wind control information. The method comprises the steps that a payment password prompt layer is verified through key triggering, after verification is passed, a first business system sends four-element information to an application program of a second business system through an interface, the application program of the second business system returns a serial number, the first business system jumps a binding page of the application program according to the serial number, the binding interface displays the four-element information, binding verification is triggered through the binding interface, binding is carried out if the verification is passed, an external transaction scene can be expanded for the first business system, an account number of a user in the first business system is bound into the application program and is displayed in a form of a quick card, and transaction of the payment scene of the application program is accepted.
In the embodiment of the application, the first service system sends a binding request to the second service system, obtains a serial number returned by the second service system, obtains a binding page in the second service system based on the serial number, sends binding check information to the second service system, obtains a binding result returned by the second service system, and determines the binding state of the user identifier and the second service system, so that the binding of the user identifier and the second service system can be realized, for example, an external transaction scene is expanded for the first service system bound with a mobile wallet, and the requirement of expanding the external transaction scene for the service system is met.
In practical applications, there are usually multiple transaction types such as online payment and entity store payment, and based on the above embodiments, in this embodiment, the deduction processing may be performed on the associated accounts according to the associated accounts associated with the transaction types and the priority information between the associated accounts. Fig. 3 is a schematic flowchart of a processing method of a transaction service according to an embodiment of the present application, and as shown in fig. 3, in the method, the processing of deducting a money from an associated account of a first service system according to a transaction amount includes:
step 301, acquiring each associated account associated with the transaction type in the first service system by the user identifier and priority information among the associated accounts.
In this embodiment, the processing request further includes a transaction type, the transaction type is used for indicating different transaction scenarios, the transaction type may include online payment, entity store payment, or payment through a certain platform, and for different transaction types, the user may set and select different accounts for payment.
In the first business system, for a user identification, an associated account for each transaction type can be set for the transaction type, and there can be one or more associated accounts for each transaction type.
And priority information among all the associated accounts can be determined according to the payment frequency and the account balance of the accounts.
Step 302, determining a target associated account to be deducted according to the priority information.
And step 303, deducting the payment of the target associated account.
And determining a target associated account with the highest priority from all associated accounts associated with the transaction types, and deducting the target associated account. Optionally, after the target associated account with the highest priority is determined, if the amount of the associated account with the highest priority is insufficient, the target associated accounts may be determined from the remaining associated accounts in the order of the priority from high to low, so as to perform the deduction process according to the target associated accounts.
In the embodiment of the application, the transaction type-associated accounts and the priority information among the associated accounts are obtained, and the deduction processing is carried out according to the priority information, so that the requirements of users on payment by using different accounts under different transaction types can be met, and the payment function is improved.
In order to implement the above embodiments, the present application further provides a processing device for transaction service.
Fig. 4 is a schematic structural diagram of a transaction service processing apparatus according to an embodiment of the present application, and as shown in fig. 4, the apparatus includes: the system comprises an acquisition module 10, a verification module 20 and a transaction module 30.
The obtaining module 10 is configured to obtain, by a first service system, a transaction service processing request sent by a second service system, where the processing request includes a user identifier and a transaction amount.
A checking module 20, configured to check the user identifier to determine whether the user identifier is a valid user in the first service system.
And the transaction module 30 is configured to, when the user identifier is a valid user in the first service system, deduct a payment from an account associated with the user identifier in the first service system according to the transaction amount.
In one embodiment of the present application, the transaction module 30 is specifically configured to: acquiring each associated account of the user identification in the first service system and priority information among the associated accounts; determining a target associated account to be deducted according to the priority information; and carrying out deduction processing on the target associated account.
In an embodiment of the present application, the processing request further includes a transaction type, and the transaction module 30 is specifically configured to: acquiring each associated account associated with the transaction type in the first service system by the user identification and priority information among the associated accounts; determining a target associated account to be deducted according to the priority information; and carrying out deduction processing on the target associated account.
In one embodiment of the present application, the apparatus further comprises: a binding module, configured to send, by the first service system, a binding request to the second service system, where the binding request includes four-factor information of the user in the first service system; acquiring a serial number returned by the second service system; acquiring a binding page in the second service system based on the serial number, wherein the binding page is used for displaying four-element information of the user in the first service system; sending binding verification information to the second service system in response to the obtained binding verification instruction; and acquiring a binding result returned by the second service system, and determining the binding state of the user identifier and the second service system.
In one embodiment of the present application, the apparatus further comprises: and the first determining module is used for determining that the user is a preset user in the first service system.
In one embodiment of the present application, the apparatus further comprises: and the second determining module is used for determining that the equipment where the first service system is currently located is legal equipment and the network type currently used by the equipment is a specified type.
The explanation of the transaction service processing method in the foregoing embodiment is also applicable to the transaction service processing apparatus in this embodiment, and is not repeated here.
The transaction service processing device in the embodiment of the application acquires the transaction service processing request sent by the second service system through the first service system, verifies the user identifier in the processing request to determine whether the user identifier is a legal user in the first service system, and performs payment deduction processing on an account associated with the user identifier in the first service system according to the transaction amount in the processing request under the condition that the user identifier is the legal user in the first service system. According to the scheme of the application, the first service system can deduct money from the associated account according to the transaction service processing request sent by the second service system, the requirement of expanding external transaction scenes for the service system is met, and the payment function is improved.
In order to implement the foregoing embodiment, the present application further provides an electronic device, including: the system comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein when the processor executes the program, the processing method of the transaction service is realized as the embodiment provided by the application.
In order to implement the foregoing embodiments, the present application also proposes a non-transitory computer-readable storage medium storing a computer program, which when executed by a processor implements the processing method of the transaction service as proposed by the foregoing embodiments of the present application.
In order to implement the foregoing embodiments, the present application also proposes a computer program product, which when executed by an instruction processor in the computer program product, executes the processing method of the transaction service proposed by the foregoing embodiments of the present application.
In order to implement the above embodiments, the present application further provides an electronic device.
Fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
As shown in fig. 5, the electronic device 200 includes:
a memory 210 and a processor 220, a bus 230 connecting different components (including the memory 210 and the processor 220), wherein the memory 210 stores a computer program, and when the processor 220 executes the program, the method for processing the transaction service according to the embodiment of the present application is implemented.
Bus 230 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, or a local bus using any of a variety of bus architectures. By way of example, such architectures include, but are not limited to, Industry Standard Architecture (ISA) bus, micro-channel architecture (MAC) bus, enhanced ISA bus, Video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.
Electronic device 200 typically includes a variety of electronic device readable media. Such media may be any available media that is accessible by electronic device 200 and includes both volatile and nonvolatile media, removable and non-removable media.
Memory 210 may also include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)240 and/or cache memory 250. The electronic device 200 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 260 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 5, commonly referred to as a "hard drive"). Although not shown in FIG. 5, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 230 by one or more data media interfaces. Memory 210 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of embodiments of the application.
A program/utility 280 having a set (at least one) of program modules 270, including but not limited to an operating system, one or more application programs, other program modules, and program data, each of which or some combination thereof may comprise an implementation of a network environment, may be stored in, for example, the memory 210. The program modules 270 generally perform the functions and/or methodologies of the embodiments described herein.
Electronic device 200 may also communicate with one or more external devices 290 (e.g., keyboard, pointing device, display 291, etc.), with one or more devices that enable a user to interact with electronic device 200, and/or with any devices (e.g., network card, modem, etc.) that enable electronic device 200 to communicate with one or more other computing devices. Such communication may occur via input/output (I/O) interfaces 292. Also, the electronic device 200 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via the network adapter 293. As shown, the network adapter 293 communicates with the other modules of the electronic device 200 via the bus 230. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device 200, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
The processor 220 executes various functional applications and data processing by executing programs stored in the memory 210.
It should be noted that, for the implementation process and the technical principle of the electronic device of this embodiment, reference is made to the foregoing explanation of the transaction service processing method of this embodiment, and details are not described here again.
The electronic device provided by the embodiment of the application can execute the processing method of the transaction service.
In order to implement the above embodiments, the present application also proposes a computer-readable storage medium.
The computer readable storage medium stores thereon a computer program, and the computer program is executed by a processor to implement the method for processing transaction service according to the embodiment of the present application.
In order to implement the foregoing embodiments, an embodiment of a further aspect of the present application provides a computer program, which when executed by a processor, implements the method for processing transaction service according to the embodiment of the present application.
In an alternative implementation, the embodiments may be implemented in any combination of one or more computer-readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Computer program code for carrying out operations for aspects of the present application may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the consumer electronic device, partly on the consumer electronic device, as a stand-alone software package, partly on the consumer electronic device and partly on a remote electronic device, or entirely on the remote electronic device or server. In the case of remote electronic devices, the remote electronic devices may be connected to the consumer electronic device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external electronic device (e.g., through the internet using an internet service provider).
Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.
It will be understood that the present application is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims (14)

1. A method for processing transaction traffic, comprising:
a first service system acquires a transaction service processing request sent by a second service system, wherein the processing request comprises a user identifier and a transaction amount;
checking the user identification to determine whether the user identification is a legal user in the first service system;
and under the condition that the user identification is a legal user in the first service system, carrying out deduction processing on the associated account of the user identification in the first service system according to the transaction amount.
2. The method of claim 1, wherein said debiting an account associated with said subscriber identity at said first transaction system based on said transaction amount comprises:
acquiring each associated account of the user identification in the first service system and priority information among the associated accounts;
determining a target associated account to be deducted according to the priority information;
and carrying out deduction processing on the target associated account.
3. The method of claim 1, wherein the processing request further includes a transaction type, and wherein the deducting the user identifier from the account associated with the first business system according to the transaction amount comprises:
acquiring each associated account associated with the transaction type in the first service system by the user identifier and priority information among the associated accounts;
determining a target associated account to be deducted according to the priority information;
and carrying out deduction processing on the target associated account.
4. The method according to any one of claims 1-3, wherein before the first business system obtains the transaction business processing request sent by the second business system, further comprising:
the first service system sends a binding request to the second service system, wherein the binding request comprises four-element information of the user in the first service system;
acquiring a serial number returned by the second service system;
acquiring a binding page in the second service system based on the serial number, wherein the binding page is used for displaying four-element information of the user in the first service system;
sending binding verification information to the second service system in response to the obtained binding verification instruction;
and acquiring a binding result returned by the second service system, and determining the binding state of the user identifier and the second service system.
5. The method of claim 4, prior to the first business system sending a binding request to the second business system, further comprising:
and determining that the user is a preset user in the first service system.
6. The method of claim 4, wherein prior to the first business system sending a binding request to the second business system, further comprising:
and determining that the equipment where the first service system is currently located is legal equipment and the type of the network currently used by the equipment is a specified type.
7. A transaction device, comprising:
the system comprises an acquisition module, a transaction processing module and a processing module, wherein the acquisition module is used for a first service system to acquire a transaction processing request sent by a second service system, and the processing request comprises a user identifier and a transaction amount;
the checking module is used for checking the user identification so as to determine whether the user identification is a legal user in the first service system;
and the transaction module is used for deducting the money of the user identification in the associated account of the first service system according to the transaction amount under the condition that the user identification is a legal user in the first service system.
8. The apparatus of claim 7, wherein the transaction module is specifically configured to:
acquiring each associated account of the user identification in the first service system and priority information among the associated accounts;
determining a target associated account to be deducted according to the priority information;
and carrying out deduction processing on the target associated account.
9. The apparatus of claim 7, wherein the processing request further includes a transaction type, and wherein the transaction module is specifically configured to:
acquiring each associated account associated with the transaction type in the first service system by the user identifier and priority information among the associated accounts;
determining a target associated account to be deducted according to the priority information;
and carrying out deduction processing on the target associated account.
10. The apparatus of any of claims 7-9, further comprising:
a binding module, configured to send, by the first service system, a binding request to the second service system, where the binding request includes four-factor information of the user in the first service system;
acquiring a serial number returned by the second service system;
acquiring a binding page in the second service system based on the serial number, wherein the binding page is used for displaying four-element information of the user in the first service system;
sending binding verification information to the second service system in response to the obtained binding verification instruction;
and acquiring a binding result returned by the second service system, and determining the binding state of the user identifier and the second service system.
11. The apparatus of claim 10, further comprising:
and the first determining module is used for determining that the user is a preset user in the first service system.
12. The apparatus of claim 10, further comprising:
and the second determining module is used for determining that the equipment where the first service system is currently located is legal equipment and the network type currently used by the equipment is a specified type.
13. An electronic device, comprising:
at least one processor; and
a memory communicatively coupled to the at least one processor; wherein,
the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method of processing a transaction service of any of claims 1-6.
14. A non-transitory computer-readable storage medium storing computer instructions for causing the computer to execute the processing method of a transaction service of any one of claims 1 to 6.
CN202011617303.XA 2020-12-31 2020-12-31 Transaction service processing method, device, equipment and storage medium Pending CN114693302A (en)

Priority Applications (1)

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Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202011617303.XA CN114693302A (en) 2020-12-31 2020-12-31 Transaction service processing method, device, equipment and storage medium

Publications (1)

Publication Number Publication Date
CN114693302A true CN114693302A (en) 2022-07-01

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Country Status (1)

Country Link
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