CN115204879A - Transaction processing system and method - Google Patents

Transaction processing system and method Download PDF

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Publication number
CN115204879A
CN115204879A CN202210895214.4A CN202210895214A CN115204879A CN 115204879 A CN115204879 A CN 115204879A CN 202210895214 A CN202210895214 A CN 202210895214A CN 115204879 A CN115204879 A CN 115204879A
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China
Prior art keywords
transaction
client
customer
short message
parameters
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Pending
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CN202210895214.4A
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Chinese (zh)
Inventor
贾哲
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Bank of China Ltd
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Bank of China Ltd
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Publication date
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Priority to CN202210895214.4A priority Critical patent/CN115204879A/en
Publication of CN115204879A publication Critical patent/CN115204879A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

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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 invention provides a transaction processing system and a method, which can be used in the technical field of finance, and the system comprises: the client is used for sending a confirmation short message to the transaction processing end after receiving the transaction short message; the client side is used for acquiring the client transaction parameters after the client signs the automatic transaction protocol; generating transaction data based on the customer transaction parameters; the transaction processing terminal is used for checking the stored customer transaction parameters based on the customer transaction parameters in the transaction data after receiving the transaction data; after the verification is successful, sending a transaction short message to the client; and processing the transaction data after receiving the confirmation short message sent by the client. The invention can realize timely transaction aiming at the customers unfamiliar with transaction flow or the condition of poor network signals.

Description

Transaction processing system and method
Technical Field
The invention relates to the technical field of finance, in particular to a transaction processing system and a transaction processing method.
Background
The existing transaction flow is not friendly to people who rarely surf the internet by using a mobile phone, and meanwhile, under some transaction scenes with poor network coverage conditions, a client needs to wait for a long time, and even the transaction fails. Therefore, a transaction processing method for the above situation is lacking at present.
Disclosure of Invention
The embodiment of the invention provides a transaction processing system, which is used for realizing timely transaction aiming at a client unfamiliar with transaction flow or a poor network signal condition, and comprises:
the client is used for sending a confirmation short message to the transaction processing end after receiving the transaction short message;
the client side is used for acquiring the client transaction parameters after the client signs the automatic transaction protocol; generating transaction data based on the customer transaction parameters;
the transaction processing end is used for checking the stored customer transaction parameters based on the customer transaction parameters in the transaction data after receiving the transaction data; after the verification is successful, sending a transaction short message to the client; and processing the transaction data after receiving the confirmation short message sent by the client.
The embodiment of the invention provides a transaction processing method, which is used for realizing timely transaction aiming at a client unfamiliar with transaction flow or a poor network signal condition, and comprises the following steps:
after the transaction data is received, checking the stored customer transaction parameters based on the customer transaction parameters in the transaction data; wherein the transaction data is generated by the merchant based on the customer transaction parameters; the client transaction parameters are requested by the client after the merchant terminal confirms that the client signs the automatic transaction protocol;
after the verification is successful, sending a transaction short message to the client;
and processing the transaction data after receiving the confirmation short message sent by the client.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the transaction processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the transaction processing method is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the computer program implements the above transaction processing method.
In the embodiment of the invention, the client is used for sending a confirmation short message to the transaction processing terminal after receiving the transaction short message; the client side is used for acquiring the client transaction parameters after the client signs the automatic transaction protocol; generating transaction data based on the customer transaction parameters; the transaction processing terminal is used for checking the stored customer transaction parameters based on the customer transaction parameters in the transaction data after receiving the transaction data; after the verification is successful, sending a transaction short message to the client; and processing the transaction data after receiving the confirmation short message sent by the client. In the process, when a customer purchases a commodity at a merchant terminal under the condition of unfamiliarity with a transaction flow or poor network coverage condition, the customer shows the customer transaction parameters to the merchant terminal; and then the merchant terminal can generate transaction data based on the transaction parameters of the client and sends the transaction data to the transaction processing terminal for processing, the transaction processing terminal only needs to send transaction short messages to the client and process the transaction data after receiving confirmation short messages sent by the client, and the client does not need to perform other complex processing, so that the transaction processing under the scene is completed.
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. In the drawings:
FIG. 1 is a schematic diagram of a transaction processing system in accordance with an embodiment of the present invention;
FIG. 2 is a detailed flow chart of transaction processing performed by the transaction processing system according to an embodiment of the present invention;
FIG. 3 is a first flowchart of a transaction processing method according to an embodiment of the invention;
FIG. 4 is a flow chart of a transaction processing method according to an embodiment of the invention;
FIG. 5 is a flow chart of a transaction processing method according to an embodiment of the invention;
FIG. 6 is a flow chart of a transaction processing method according to an embodiment of the invention;
FIG. 7 is a schematic diagram of a computer device in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the various embodiments is provided to illustrate the practice of the present application, and the sequence of steps is not limited thereto and can be adjusted as needed.
Fig. 1 is a schematic diagram of a transaction processing system according to an embodiment of the present invention, as shown in fig. 1, the system includes:
the client 101 is used for sending a confirmation short message to the transaction processing end after receiving the transaction short message;
the merchant terminal 102 is used for acquiring the transaction parameters of the customer after the customer is confirmed to sign the automatic transaction agreement; generating transaction data based on the customer transaction parameters;
the transaction processing terminal 103 is used for checking the stored customer transaction parameters based on the customer transaction parameters in the transaction data after receiving the transaction data; after the verification is successful, sending a transaction short message to the client; and processing the transaction data after receiving the confirmation short message sent by the client.
Specifically, the client may be a client mobile phone, and the transaction processing end may be a bank system.
In one embodiment, the customer transaction parameters include a customer's phone number and a dynamic transaction code.
In one embodiment, the transaction processing terminal is further configured to:
and when the account related to the transaction data is opened, sending an automatic transaction agreement signing request to the client, receiving the automatic transaction agreement confirmation information, generating a dynamic transaction code, and sending the dynamic transaction code to the client.
Specifically, the transaction processing end, that is, the bank system, may ask the client whether to handle the automatic transaction protocol when opening an account for the client, and if the client allows, generate the automatic transaction protocol, and perform digital signature through a private key, so as to ensure the benefits of both parties of the transaction and the security of the transaction. The automatic transaction protocol, the dynamic transaction code, the client information and the account can be uploaded to the block chain, and the automatic transaction protocol requires that the client and the merchant transmit and confirm the transaction under the condition of weak network signals, wherein the transaction is irrevocable, irrevocable and unforgeable.
In one embodiment, the transaction processing terminal is further configured to: and updating the dynamic transaction code of the client periodically and sending the dynamic transaction code to the client.
Specifically, the frequency of updating the dynamic transaction code of the client needs to be judged according to the historical transaction information of the client, and if the dynamic transaction code is updated too fast, the transaction is unsuccessful, and if the dynamic transaction code is updated too slowly, the security cannot be guaranteed.
In one embodiment, the transaction processing terminal is further configured to: after the verification is successful, verifying the identity of the client; and after the verification is successful, sending a transaction short message to the client.
Specifically, the transaction processing end checks the stored customer transaction parameters based on the customer transaction parameters in the transaction data, mainly checking the customer mobile phone number and the dynamic transaction code. After the verification is successful, the identity of the customer needs to be verified based on other information in the transaction data, including the accuracy of the mobile phone number and the payment account of the customer, so that the transaction safety is ensured.
In one embodiment, the transaction data includes transaction time, merchant number, amount, collection account, payment account, customer's mobile phone number, and dynamic transaction code;
the transaction short message comprises transaction date, transaction time, merchant name and transaction amount.
FIG. 2 is a detailed flowchart of the transaction processing performed by the transaction processing system according to the embodiment of the present invention, wherein when the client is unfamiliar with the transaction process or the client (e.g. mobile phone) network signal of the client is very poor, the transaction processing can be performed according to the following steps:
1. the merchant terminal asks the customer for the mobile phone number and the dynamic transaction code;
2. the customer provides a mobile phone number and a dynamic payment code to the merchant end;
3. the merchant side sends transaction data to a transaction processing side (bank);
4. after checking the client transaction parameters and the client identity, the transaction processing end sends a transaction short message to the client;
5. and after receiving the transaction short message, the client sends a confirmation short message to the transaction processing end, and finally the transaction processing end carries out transaction processing, including inquiring account information of the client and the merchant and carrying out account operation.
The embodiment of the invention also provides a transaction processing method, the principle of which is similar to that of a transaction processing system, and the description is omitted here.
Fig. 3 is a first flowchart of a transaction processing method according to an embodiment of the present invention, including:
step 301, after receiving transaction data, checking the stored customer transaction parameters based on the customer transaction parameters in the transaction data; wherein the transaction data is generated by the merchant based on the customer transaction parameters; the client transaction parameters are requested by the client after the merchant terminal confirms that the client signs the automatic transaction protocol;
step 302, after the verification is successful, a transaction short message is sent to the client;
step 303, after receiving the confirmation short message sent by the client, processing the transaction data.
In one embodiment, the customer transaction parameters include a customer's phone number and a dynamic transaction code.
Fig. 4 is a flowchart of a transaction processing method according to an embodiment of the present invention, and in an embodiment, the method further includes:
step 401, when an account related to the transaction data is opened, sending an automatic transaction agreement signing request to the client, and after receiving the automatic transaction agreement confirmation information, generating a dynamic transaction code and sending the dynamic transaction code to the client.
Fig. 5 is a flow chart of a transaction processing method according to an embodiment of the present invention, in an embodiment, the method further includes:
step 501, updating the dynamic transaction code of the client periodically and sending the dynamic transaction code to the client.
Fig. 6 is a flowchart of a transaction processing method according to an embodiment of the present invention, in an embodiment, the method further includes:
601, after the verification is successful, verifying the identity of the client;
step 302 may be changed to send a transaction message to the client after the verification is successful.
In one embodiment, the transaction data includes transaction time, merchant number, amount, collection account, payment account, customer's mobile phone number, and dynamic transaction code;
the transaction short message comprises transaction date, transaction time, merchant name and transaction amount.
In summary, the system and the method provided by the embodiment of the invention have the following beneficial effects:
the method comprises the steps that when a customer purchases a commodity at a merchant terminal under the condition that the customer is unfamiliar with a transaction flow or the network coverage condition is poor, the customer shows customer transaction parameters to the merchant terminal; and then the merchant terminal can generate transaction data based on the transaction parameters of the client and sends the transaction data to the transaction processing terminal for processing, the transaction processing terminal only needs to send transaction short messages to the client and process the transaction data after receiving confirmation short messages sent by the client, and the client does not need to perform other complex processing, so that the transaction processing under the scene is completed.
In addition, the system and the method avoid that most of transaction information is stored in a local mobile phone card of a client under the condition of weak network signals and is processed in a centralized manner after the mobile phone is online. The method also avoids the limitation of the storage size of the local memory card on the client method under the weak condition of the existing network signal, and the loss of the transaction information, the failure of timely account checking and the error account occurrence under the weak condition of the network signal for a long time.
Fig. 7 is a schematic diagram of a computer device according to an embodiment of the present invention, where the computer device 700 includes a memory 710, a processor 720, and a computer program 730 stored in the memory 710 and executable on the processor 720, and the processor 720 implements the transaction processing method when executing the computer program 730.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the transaction processing method is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when the computer program is executed by a processor, the computer program implements the transaction processing method described above.
It will be appreciated by one skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program service system 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 present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program business systems according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (10)

1. A transaction processing system, comprising:
the client is used for sending a confirmation short message to the transaction processing end after receiving the transaction short message;
the client side is used for acquiring the client transaction parameters after the client signs the automatic transaction protocol; generating transaction data based on the customer transaction parameters;
the transaction processing terminal is used for checking the stored customer transaction parameters based on the customer transaction parameters in the transaction data after receiving the transaction data; after the verification is successful, sending a transaction short message to the client; and processing the transaction data after receiving the confirmation short message sent by the client.
2. The system of claim 1, wherein the customer transaction parameters include a customer's mobile phone number and dynamic transaction code.
3. The system of claim 2, wherein the transaction processing end is further configured to:
and when the account related to the transaction data is opened, sending an automatic transaction agreement signing request to the client, receiving the automatic transaction agreement confirmation information, generating a dynamic transaction code, and sending the dynamic transaction code to the client.
4. The system of claim 3, wherein the transaction processing end is further configured to: and updating the dynamic transaction code of the client periodically and sending the dynamic transaction code to the client.
5. The system of claim 1, wherein the transaction processing end is further configured to: after the verification is successful, verifying the identity of the client; and after the verification is successful, sending a transaction short message to the client.
6. The system of claim 1, wherein the transaction data includes transaction time, merchant number, amount, collection account, payment account, customer's mobile phone number, and dynamic transaction code;
the transaction short message comprises transaction date, transaction time, merchant name and transaction amount.
7. A transaction processing method, comprising:
after receiving the transaction data, checking the stored customer transaction parameters based on the customer transaction parameters in the transaction data; wherein the transaction data is generated by the merchant based on the customer transaction parameters; the client transaction parameters are requested by the client after the merchant terminal confirms that the client signs the automatic transaction protocol;
after the verification is successful, sending a transaction short message to the client;
and processing the transaction data after receiving the confirmation short message sent by the client.
8. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of claim 7 when executing the computer program.
9. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of claim 7.
10. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of claim 7.
CN202210895214.4A 2022-07-26 2022-07-26 Transaction processing system and method Pending CN115204879A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202210895214.4A CN115204879A (en) 2022-07-26 2022-07-26 Transaction processing system and method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202210895214.4A CN115204879A (en) 2022-07-26 2022-07-26 Transaction processing system and method

Publications (1)

Publication Number Publication Date
CN115204879A true CN115204879A (en) 2022-10-18

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Family Applications (1)

Application Number Title Priority Date Filing Date
CN202210895214.4A Pending CN115204879A (en) 2022-07-26 2022-07-26 Transaction processing system and method

Country Status (1)

Country Link
CN (1) CN115204879A (en)

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