CN114723459A - Transaction processing method, device and system based on visual verification - Google Patents

Transaction processing method, device and system based on visual verification Download PDF

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Publication number
CN114723459A
CN114723459A CN202210420771.0A CN202210420771A CN114723459A CN 114723459 A CN114723459 A CN 114723459A CN 202210420771 A CN202210420771 A CN 202210420771A CN 114723459 A CN114723459 A CN 114723459A
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Prior art keywords
transaction
verification
information
payment system
transaction information
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Chinese (zh)
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赵亮
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202210420771.0A priority Critical patent/CN114723459A/en
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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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the invention provides a transaction processing method, a transaction processing device and a transaction processing system based on visual verification, which can be used in the technical field of artificial intelligence, wherein the method comprises the following steps: verifying the transaction information sent by the payment system; if the verification is passed, performing visual display on the transaction information; the transaction processing is carried out according to the transaction information in response to the confirmation operation input by the user, the transaction information can be visually checked, and the safety and the authenticity of the transaction are ensured.

Description

Transaction processing method, device and system based on visual verification
Technical Field
The invention relates to the technical field of computers, in particular to the technical field of artificial intelligence, and particularly relates to a transaction processing method, device and system based on visual verification.
Background
Currently financial services are being delivered to various areas of life, and more third party systems need to interface with payment systems to complete transactions. Security issues are of central importance during transactions. In the current transaction process, a user cannot know whether the transaction executed by the third-party system is really willing, if the third-party systems are not trustable, the transaction is almost not guaranteed, and the related technology can only prove that the user participates in the transaction, so that the safety and the authenticity of the transaction cannot be guaranteed.
Disclosure of Invention
The invention aims to provide a transaction processing method based on visual verification, which can visually check transaction information and ensure the safety and the authenticity of transactions. Another object of the present invention is to provide a transaction processing device based on visual verification. It is a further object of this invention to provide a transaction processing system based on visual verification. It is a further object of this invention to provide a computer readable medium. It is a further object of this invention to provide a computer apparatus.
In order to achieve the above object, the present invention discloses a transaction processing method based on visual verification, which includes:
verifying the transaction information sent by the payment system;
if the verification is passed, performing visual display on the transaction information;
and responding to the confirmation operation input by the user, and performing transaction processing according to the transaction information.
Preferably, the verification of the transaction information sent by the payment system includes:
judging whether the set white list comprises a payment system;
if yes, the verification is passed, and the step of performing visual display on the transaction information is continuously executed;
if not, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
Preferably, the verification of the transaction information sent by the payment system includes:
checking the transaction data in the transaction information;
if the verification is passed, and the step of visually displaying the transaction information is continuously executed;
and if the signature verification fails, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
Preferably, the verification of the transaction information sent by the payment system includes:
performing identity authentication on the payment system through a key authentication protocol;
if the authentication is passed, the verification is passed, and the step of visually displaying the transaction information is continuously executed;
and if the authentication fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
Preferably, the transaction information includes payment account information, collection account information, transaction amount, transaction currency and transaction time;
the transaction information is visually displayed, and the method comprises the following steps:
and visually displaying the payment account information, the collection account information, the transaction amount, the transaction currency and the transaction time so as to ensure that the user confirms the transaction information.
Preferably, the transaction processing according to the transaction information in response to the confirmation operation input by the user includes:
responding to the confirmation operation input by the user, and visually displaying the set security authentication mode so that the user can select the designated security authentication mode and input authentication information;
generating information to be transacted according to the authentication information and the transaction information;
and sending the information to be transacted to a payment system so that the payment system can verify the information to be transacted, and if the verification is passed, transacting according to the information to be transacted and generating a transaction result.
Preferably, the security authentication mode includes one or any combination of a verification code mode, a fingerprint authentication mode and a face authentication mode.
Preferably, after the transaction processing is performed according to the transaction information in response to the confirmation operation input by the user, the method further includes:
and receiving a transaction result sent by the payment system, and carrying out visual display on the transaction result.
The invention also discloses a transaction processing device based on visual verification, which comprises:
the verification unit is used for verifying the transaction information sent by the payment system;
the display unit is used for visually displaying the transaction information if the transaction information passes the verification;
and the transaction unit is used for responding to the confirmation operation input by the user and carrying out transaction processing according to the transaction information.
Preferably, the verification unit is specifically configured to determine whether the set white list includes a payment system; if yes, the verification is passed, and the display unit is triggered to continue to perform the step of visually displaying the transaction information; if not, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
Preferably, the verification unit is specifically configured to verify the transaction data in the transaction information; if the verification passes, and the display unit is triggered to continue to perform the step of visually displaying the transaction information; and if the signature verification fails, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
Preferably, the verification unit is specifically configured to perform identity authentication on the payment system through a key authentication protocol; if the authentication is passed, the verification is passed, and the display unit is triggered to continue to perform the step of visually displaying the transaction information; and if the authentication fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
Preferably, the transaction information includes payment account information, collection account information, transaction amount, transaction currency and transaction time;
and the display unit is specifically used for visually displaying the payment account information, the collection account information, the transaction amount, the transaction currency and the transaction time so as to ensure that the user confirms the transaction information.
Preferably, the transaction unit is specifically configured to visually display the set security authentication manner in response to a confirmation operation input by the user, so that the user selects the designated security authentication manner and inputs authentication information; generating information to be transacted according to the authentication information and the transaction information; and sending the information to be transacted to a payment system so that the payment system can verify the information to be transacted, and if the verification is passed, transacting according to the information to be transacted and generating a transaction result.
Preferably, the apparatus further comprises:
and the receiving unit is used for receiving the transaction result sent by the payment system and visually displaying the transaction result.
The invention also discloses a transaction processing system based on visual verification, which comprises: a user terminal and a payment system;
the payment system is used for sending transaction information to the user terminal;
the user terminal is used for verifying the transaction information; if the verification is passed, performing visual display on the transaction information; and the transaction processing module is used for responding to the confirmation operation input by the user and processing the transaction according to the transaction information.
The invention also discloses a computer-readable medium, on which a computer program is stored which, when executed by a processor, implements a method as described above.
The invention also discloses a computer device comprising a memory for storing information comprising program instructions and a processor for controlling the execution of the program instructions, the processor implementing the method as described above when executing the program.
The invention also discloses a computer program product comprising computer programs/instructions which, when executed by a processor, implement the method as described above.
The invention verifies the transaction information sent by the payment system; if the transaction information passes the verification, performing visual display on the transaction information; the transaction processing is carried out according to the transaction information in response to the confirmation operation input by the user, the transaction information can be visually checked, and the safety and the authenticity of the transaction are ensured.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a transaction processing system based on visual verification according to an embodiment of the present invention;
fig. 2 is a flowchart of a transaction processing method based on visual verification according to an embodiment of the present invention;
fig. 3 is a flowchart of a further transaction processing method based on visual verification according to an embodiment of the present invention;
FIG. 4 is a flow diagram of a transaction process provided by an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a transaction processing apparatus based on visual verification according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the transaction processing method and apparatus based on visual verification disclosed in the present application may be used in the field of artificial intelligence technology, and may also be used in any field other than the field of artificial intelligence technology.
In order to facilitate understanding of the technical solutions provided in the present application, the following first describes relevant contents of the technical solutions in the present application. For the payment system, all external systems are untrusted systems to ensure the security of the transaction. For payment transactions, security authentication is required to avoid payment loss. When the range of the associated third-party system is wider and wider, the system structure is more and more complex, and the traditional token authentication cannot meet the increasing transaction security requirement. Therefore, the invention provides a transaction visual token, which has two forms of a physical token and a virtual token, and if the token is the virtual token, the virtual token can be integrated in a user terminal. The token is provided with a transaction display area and a security authentication area, and the security authentication area can support various security authentication modes, including but not limited to verification code authentication, fingerprint authentication, face authentication, password authentication and other various authentications, and can be configured by a user. The token is used for automatically responding and displaying transaction information when a payment system performs a transaction, the transaction information is confirmed and authenticated by a user, the middle is completely independent, and no third-party system is involved.
Fig. 1 is a schematic structural diagram of a transaction processing system based on visual verification according to an embodiment of the present invention, as shown in fig. 1, a user terminal 100, a payment system 200, and a third-party system 300, where the user terminal 100 is connected to the payment system 200 and the third-party system 300, respectively, and the payment system 200 is connected to the third-party system 300.
A user sends a transaction request to the third-party system 300 through the user terminal 100, wherein the transaction request comprises transaction data information; the third party system 300 generates transaction information according to the transaction data information in response to the transaction request, and transmits the transaction information to the payment system 200.
The payment system 200 serves to transmit transaction information to the user terminal 100.
Taking the example that the user terminal 100 is internally integrated with a virtual token, the virtual token in the user terminal 100 is used for verifying the transaction information; if the verification is passed, performing visual display on the transaction information; and the transaction processing module is used for responding to the confirmation operation input by the user and processing the transaction according to the transaction information.
If the token is an entity token, the payment system 200 sends transaction information to the entity token, and the entity token verifies the transaction information; if the verification is passed, performing visual display on the transaction information; and the transaction processing module is used for responding to the confirmation operation input by the user and processing the transaction according to the transaction information.
In the technical scheme provided by the embodiment of the invention, the transaction information sent by the payment system is verified; if the verification is passed, performing visual display on the transaction information; the transaction processing is carried out according to the transaction information in response to the confirmation operation input by the user, the transaction information can be visually checked, and the safety and the authenticity of the transaction are ensured.
It should be noted that the transaction processing system based on visual verification shown in fig. 1 is also applicable to the transaction processing method based on visual verification shown in fig. 2 or fig. 3, and will not be described herein again.
It should be noted that, the tokens in the transaction processing method based on the visual verification in fig. 2 or fig. 3 are all described in the form of virtual tokens, and if the tokens are entity tokens, the transaction processing method is consistent with the transaction processing method of the virtual tokens, and is not repeated.
The following describes an implementation process of the transaction processing method based on visual verification according to an embodiment of the present invention, taking a transaction processing apparatus based on visual verification as an execution subject. It can be understood that the executing subject of the transaction processing method based on visual verification provided by the embodiment of the invention includes, but is not limited to, a transaction processing device based on visual verification.
Fig. 2 is a flowchart of a transaction processing method based on visual verification according to an embodiment of the present invention, as shown in fig. 2, the method includes:
step 101, verifying the transaction information sent by the payment system.
And 102, visually displaying the transaction information if the verification is passed.
And 103, responding to the confirmation operation input by the user, and performing transaction processing according to the transaction information.
In the technical scheme provided by the embodiment of the invention, the transaction information sent by the payment system is verified; if the verification is passed, performing visual display on the transaction information; the transaction processing is carried out according to the transaction information in response to the confirmation operation input by the user, the transaction information can be visually checked, and the safety and the authenticity of the transaction are ensured.
Fig. 3 is a flowchart of another transaction processing method based on visual verification according to an embodiment of the present invention, as shown in fig. 3, the method includes:
step 201, verifying the transaction information sent by the payment system, and if the transaction information passes the verification, executing step 203; if the verification fails, go to step 202.
In an embodiment of the invention, the steps are performed by a transaction processing device based on visual verification.
In the embodiment of the present invention, step 201 specifically includes:
step 2011, judging whether the set white list comprises a payment system, if yes, executing step 2012; if not, go to step 2013.
In the embodiment of the invention, a white list is preset, the white list comprises a plurality of Internet Protocol (IP) addresses, and a system corresponding to each IP address in the white list is the IP address of a token-trusted payment system.
Specifically, if the systems in the white list include a payment system, indicating that the sender of the transaction information is a token-trusted payment system, go to step 2012; if the white-listed systems do not include a payment system, indicating that the sender of the transaction message is a payment system for which the token is not trusted, proceed to step 2013.
Step 2012, the verification is passed, and the step 203 is continued.
In the embodiment of the present invention, if the sender of the transaction information is the payment system trusted by the token, it indicates that the verification is passed, and step 203 is continuously executed.
Step 2013, if the verification fails, continue to execute step 202.
In the embodiment of the present invention, if the sender of the transaction information is a payment system whose token is not trusted, indicating that the verification fails, the step 202 is continuously executed.
In the embodiment of the invention, the white list is arranged in the token, so that the received transaction information is sent by a trusted payment system, the counterfeit information of other systems is prevented from being received, and the transaction safety is improved.
Further, step 201 further specifically includes:
3011, checking the transaction data in the transaction information, and if the check passes, executing step 3012; if the signature verification fails, go to step 3013.
In the embodiment of the invention, the transaction data is signed encrypted data, and the token can verify the signature of the transaction data. Specifically, if the transaction data passes the verification, which indicates that the transaction data is not tampered, the step 3012 is continued; if the verification of the transaction data fails, indicating that the transaction data is tampered, go to step 3013.
In step 3012, the authentication is passed, and the process proceeds to step 203.
In this embodiment of the present invention, if the transaction data is not tampered with, indicating that the verification is passed, the step 203 is continuously executed.
In step 3013, if the authentication fails, the process proceeds to step 202.
In the embodiment of the present invention, if the transaction data is tampered with, indicating that the verification fails, step 202 is continuously executed.
In the embodiment of the invention, the data is ensured not to be illegally tampered by a mode of adding and checking the interactive data among the systems. Encryption can guarantee data privacy, and signing is to make a signature to encrypted data, promptly: the encrypted data is labeled through the security certificate, and whether the encrypted data is tampered or not can be verified by verifying the signature, so that the security of the transaction data is guaranteed.
Further, step 201 further specifically includes:
step 4011, performing identity authentication on the payment system through a key authentication protocol; if the authentication is passed, continue to execute step 4012; if the authentication fails, proceed to step 4013.
In the embodiment of the invention, the key authentication Protocol is various and is a hypertext Transfer Protocol over secure Layer (HTTPS) or an OAUTH Protocol as an alternative. The embodiment of the present invention is not limited thereto.
Specifically, if the identity authentication of the payment system passes, the payment system is true and credible at the system level, and step 4012 is continuously executed; if the identity authentication of the payment system fails, it indicates that the payment system is not trusted in the system level, and step 4013 is continuously performed.
Step 4012, if the verification is passed, go to step 203.
In the embodiment of the present invention, if the payment system is authentic and authentic at the system level, the verification is passed, and step 203 is continuously executed.
If the verification fails, step 4013 continues to execute step 202.
In the embodiment of the present invention, if the payment system is not trusted at the system level, it indicates that the verification fails, and step 202 is continuously executed.
In the embodiment of the invention, mutual authentication of the token and the identity of the payment system can be realized at a system level through a key authentication protocol, thereby further avoiding counterfeiting of a false system and further improving the safety of transaction.
Step 202, generating a verification failure message, and sending the verification failure message to the payment system, and ending the process.
In the embodiment of the present invention, the verification failure message includes a specific verification item that fails to be verified, for example: the specific verification item is that the payment system is an untrusted system not in the white list. And sending a verification failure message to the payment system to inform the payment system of verification failure.
And step 203, visually displaying the transaction information.
In embodiments of the present invention, the transaction information includes, but is not limited to, payment account information, collection account information, transaction amount, transaction currency, and transaction time.
Specifically, the payment account information, the collection account information, the transaction amount, the transaction currency and the transaction time are visually displayed so that the user can confirm the transaction information. The user checks the transaction information through the transaction display area on the token, and if the transaction information is confirmed to be correct, confirmation operation can be input; if the transaction information is wrong, inputting an abort operation to abort the proceeding of the transaction.
In the embodiment of the invention, the transaction information is visually displayed, so that a user can conveniently confirm the transaction information, the user can clearly confirm the transaction information of the current transaction, and meanwhile, whether a third-party system falsifies the transaction data is confirmed, and the reliability of the transaction data is ensured.
And step 204, responding to the confirmation operation input by the user, and performing transaction processing according to the transaction information.
Fig. 4 is a flowchart of a transaction processing according to an embodiment of the present invention, and as shown in fig. 4, step 204 specifically includes:
step 2041, in response to the confirmation operation input by the user, visually displaying the set security authentication mode for the user to select the designated security authentication mode and input authentication information.
In the embodiment of the invention, the security authentication mode comprises one or any combination of a verification code mode, a fingerprint authentication mode, a face authentication mode, password authentication and password authentication. The verification code mode includes, but is not limited to, a short message verification code or an application verification code.
In the embodiment of the invention, the safety authentication mode is preset, and a user can select the designated safety authentication mode to perform safety authentication according to actual requirements.
And step 2042, generating information to be transacted according to the authentication information and the transaction information.
In the embodiment of the invention, the authentication information and the transaction information input by the user are combined to generate the information to be transacted.
Step 2043, sending the information to be transacted to a payment system for the payment system to verify the information to be transacted, and if the verification is passed, performing transaction processing according to the information to be transacted and generating a transaction result; and if the verification fails, generating and returning verification failure information.
In the embodiment of the invention, the payment system stores the check standard information, the payment system checks the check standard information and the authentication information in the system to be paid, if the check standard information is the same as the authentication information, the check is passed, and the transaction processing is carried out according to the information to be transacted to generate a transaction result; if the verification fails, verification failure information is generated, and the verification failure information is returned to the user terminal to inform the user of the verification failure and the transaction failure.
In embodiments of the present invention, transaction processing includes, but is not limited to, transaction deduction.
Further, the user can set the transaction range of the token response by setting the token transaction limit, the verification-free limit and the like in the payment system, and the small-amount secret-free payment can be supported, so that convenience is brought to the small-amount transaction of the user.
And step 205, receiving the transaction result sent by the payment system, and performing visual display on the transaction result.
In embodiments of the present invention, the transaction results include, but are not limited to, transaction amount, transaction time, payment account information, and collection account information.
In the technical scheme of the transaction processing method based on visual verification provided by the embodiment of the invention, the transaction information sent by a payment system is verified; if the verification is passed, performing visual display on the transaction information; the transaction processing is carried out according to the transaction information in response to the confirmation operation input by the user, the transaction information can be visually checked, and the safety and the authenticity of the transaction are ensured.
Fig. 5 is a schematic structural diagram of a transaction processing apparatus based on visual verification according to an embodiment of the present invention, the apparatus is configured to execute the transaction processing method based on visual verification, as shown in fig. 5, the apparatus includes: a verification unit 11, a presentation unit 12 and a transaction unit 13.
The verification unit 11 is used for verifying the transaction information sent by the payment system.
The display unit 12 is used for visually displaying the transaction information if the verification is passed.
The transaction unit 13 is used for responding to the confirmation operation input by the user and performing transaction processing according to the transaction information.
In the embodiment of the present invention, the verification unit 11 is specifically configured to determine whether a set white list includes a payment system; if yes, the verification is passed, and the display unit 12 is triggered to continue to perform the step of visually displaying the transaction information; if not, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
In the embodiment of the present invention, the verification unit 11 is specifically configured to verify the transaction data in the transaction information; if the verification passes, and the display unit 12 is triggered to continue to perform the step of visually displaying the transaction information; and if the signature verification fails, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
In the embodiment of the present invention, the verification unit 11 is specifically configured to perform identity authentication on the payment system through a key authentication protocol; if the authentication is passed, the verification is passed, and the display unit 12 is triggered to continue to perform the step of visually displaying the transaction information; and if the authentication fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
In the embodiment of the invention, the transaction information comprises payment account information, collection account information, transaction amount, transaction currency and transaction time;
the display unit 12 is specifically configured to perform visual display on the payment account information, the collection account information, the transaction amount, the transaction currency and the transaction time, so that the user can confirm the transaction information.
In the embodiment of the present invention, the transaction unit 13 is specifically configured to visually display the set security authentication manner in response to a confirmation operation input by a user, so that the user selects an appointed security authentication manner and inputs authentication information; generating information to be transacted according to the authentication information and the transaction information; and sending the information to be transacted to a payment system so that the payment system can verify the information to be transacted, and if the verification is passed, transacting according to the information to be transacted and generating a transaction result.
In the embodiment of the present invention, the apparatus further includes: a receiving unit 14.
The receiving unit 14 is configured to receive a transaction result sent by the payment system, and visually display the transaction result.
In the scheme of the embodiment of the invention, the transaction information sent by the payment system is verified; if the verification is passed, performing visual display on the transaction information; the transaction processing is carried out according to the transaction information in response to the confirmation operation input by the user, the transaction information can be visually checked, and the safety and the authenticity of the transaction are ensured.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer device, which may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
Embodiments of the present invention provide a computer device, including a memory and a processor, where the memory is configured to store information including program instructions, and the processor is configured to control execution of the program instructions, and the program instructions are loaded and executed by the processor to implement the steps of the above-mentioned embodiment of the transaction processing method based on visual verification, and for specific description, reference may be made to the above-mentioned embodiment of the transaction processing method based on visual verification.
Referring now to FIG. 6, shown is a schematic diagram of a computer device 600 suitable for use in implementing embodiments of the present application.
As shown in fig. 6, the computer apparatus 600 includes a Central Processing Unit (CPU)601 which can perform various appropriate works and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM)) 603. In the RAM603, various programs and data necessary for the operation of the computer apparatus 600 are also stored. The CPU601, ROM602, and RAM603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output section 607 including a Cathode Ray Tube (CRT), a liquid crystal feedback (LCD), and the like, and a speaker and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted as necessary on the storage section 608.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program tangibly embodied on a machine-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims (19)

1. A transaction processing method based on visual verification, the method comprising:
verifying the transaction information sent by the payment system;
if the verification is passed, carrying out visual display on the transaction information;
and responding to the confirmation operation input by the user, and carrying out transaction processing according to the transaction information.
2. The transaction processing method based on visual verification according to claim 1, wherein the verifying the transaction information sent by the payment system comprises:
judging whether the set white list comprises the payment system;
if yes, the step of visually displaying the transaction information is continuously executed after the verification is passed;
if not, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
3. The transaction processing method based on visual verification according to claim 1, wherein the verifying the transaction information sent by the payment system comprises:
checking the transaction data in the transaction information;
if the verification passes, and the step of visually displaying the transaction information is continuously executed;
and if the signature verification fails, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
4. The transaction processing method based on visual verification according to claim 1, wherein the verifying the transaction information sent by the payment system comprises:
performing identity authentication on the payment system through a key authentication protocol;
if the authentication is passed, the verification is passed, and the step of visually displaying the transaction information is continuously executed;
and if the authentication fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
5. The transaction processing method based on visual verification of claim 1, wherein the transaction information includes payment account information, collection account information, transaction amount, transaction currency, and transaction time;
the visually displaying the transaction information comprises:
and visually displaying the payment account information, the collection account information, the transaction amount, the transaction currency and the transaction time so as to ensure that the user confirms the transaction information.
6. The transaction processing method based on visual verification according to claim 1, wherein the transaction processing according to the transaction information in response to the confirmation operation input by the user comprises:
responding to the confirmation operation input by the user, and visually displaying the set security authentication mode so that the user can select the designated security authentication mode and input authentication information;
generating information to be transacted according to the authentication information and the transaction information;
and sending the information to be transacted to a payment system so that the payment system can verify the information to be transacted, and if the verification is passed, transacting according to the information to be transacted and generating a transaction result.
7. The transaction processing method based on visual verification according to claim 6, wherein the security authentication manner includes one or any combination of a verification code manner, a fingerprint authentication manner and a face authentication manner.
8. The transaction processing method based on visual verification according to claim 1, further comprising, after the transaction processing is performed according to the transaction information in response to the confirmation operation input by the user:
and receiving a transaction result sent by the payment system, and carrying out visual display on the transaction result.
9. A transaction processing apparatus based on visual verification, the apparatus comprising:
the verification unit is used for verifying the transaction information sent by the payment system;
the display unit is used for visually displaying the transaction information if the verification is passed;
and the transaction unit is used for responding to the confirmation operation input by the user and carrying out transaction processing according to the transaction information.
10. A transaction processing device based on visual verification according to claim 9, wherein the verification unit is specifically configured to determine whether the payment system is included in a set white list; if yes, the verification is passed, and a display unit is triggered to continue to perform the step of visually displaying the transaction information; if not, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
11. The transaction processing device based on visual verification according to claim 9, wherein the verification unit is specifically configured to verify the transaction data in the transaction information; if the verification passes, and a display unit is triggered to continue to perform the step of visually displaying the transaction information; and if the signature verification fails, the verification fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
12. A transaction processing device based on visual verification according to claim 9, wherein the verification unit is specifically configured to authenticate the payment system by means of a key authentication protocol; if the authentication is passed, the verification is passed, and a display unit is triggered to continue to perform the step of visually displaying the transaction information; and if the authentication fails, a verification failure message is generated, and the verification failure message is sent to the payment system.
13. The visual verification-based transaction processing apparatus of claim 9, wherein the transaction information includes payment account information, receipt account information, transaction amount, transaction currency, and transaction time;
the display unit is specifically used for visually displaying the payment account information, the collection account information, the transaction amount, the transaction currency and the transaction time so as to enable a user to confirm the transaction information.
14. The transaction processing device based on visual verification according to claim 9, wherein the transaction unit is specifically configured to visually display the set security authentication manner in response to a confirmation operation input by a user, so that the user can select a designated security authentication manner and input authentication information; generating information to be transacted according to the authentication information and the transaction information; and sending the information to be transacted to a payment system so that the payment system can verify the information to be transacted, and if the verification is passed, transacting according to the information to be transacted and generating a transaction result.
15. The visual verification-based transaction processing arrangement of claim 9, further comprising:
and the receiving unit is used for receiving the transaction result sent by the payment system and visually displaying the transaction result.
16. A transaction processing system based on visual verification, the system comprising: a user terminal and a payment system;
the payment system is used for sending transaction information to the user terminal;
the user terminal is used for verifying the transaction information; if the verification is passed, carrying out visual display on the transaction information; and the transaction processing module is used for responding to the confirmation operation input by the user and processing the transaction according to the transaction information.
17. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, carries out a visual verification-based transaction processing method according to any one of claims 1 to 8.
18. A computer device comprising a memory for storing information comprising program instructions and a processor for controlling the execution of the program instructions, wherein the program instructions are loaded and executed by the processor to implement the visual verification-based transaction processing method of any one of claims 1 to 8.
19. A computer program product comprising computer programs/instructions, characterized in that the computer programs/instructions, when executed by a processor, implement the visual verification-based transaction processing method of any of claims 1 to 8.
CN202210420771.0A 2022-04-21 2022-04-21 Transaction processing method, device and system based on visual verification Pending CN114723459A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210420771.0A CN114723459A (en) 2022-04-21 2022-04-21 Transaction processing method, device and system based on visual verification

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210420771.0A CN114723459A (en) 2022-04-21 2022-04-21 Transaction processing method, device and system based on visual verification

Publications (1)

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CN114723459A true CN114723459A (en) 2022-07-08

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Country Link
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