CN115393102A - Method and device for processing structured deposit transfer transaction - Google Patents
Method and device for processing structured deposit transfer transaction Download PDFInfo
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- CN115393102A CN115393102A CN202211065624.2A CN202211065624A CN115393102A CN 115393102 A CN115393102 A CN 115393102A CN 202211065624 A CN202211065624 A CN 202211065624A CN 115393102 A CN115393102 A CN 115393102A
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Abstract
The invention provides a method and a device for processing a structured deposit transfer transaction, relates to the technical field of data processing, and can be used in the financial field or other technical fields. The method comprises the following steps: receiving a structural deposit transfer request sent by a seller terminal; carrying out validity verification on the identity information of the seller, and carrying out position taking verification on the structural deposit information if the validity verification is confirmed to pass; if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and indicates that the right is confirmed is received, buying information is sent to the buyer terminal according to the buyer mobile phone number; and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information. The device performs the above method. The method and the device provided by the embodiment of the invention can conveniently and safely realize the structural deposit transfer.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a method and a device for processing a structured deposit transfer transaction.
Background
Structured deposits are a warranty type of product that is pushed out by banks that place legally held funds into them, which hook the investors' returns to interest rates, exchange rates, stock prices, commodity prices, credits, indices and other financial or non-financial objects by embedding financial derivative instruments (including but not limited to forward, swap, options or futures, etc.) on the basis of ordinary deposits. The method is different from common deposit and financial products, the constitutive deposit can ensure the principal to be kept, but the liquidity is poor, and the client cannot draw the principal in advance during the constitutive deposit. Therefore, in the bank, the customer is allowed to transfer the structural deposit, but the business and the buyer have to transact the structured deposit by the counter, so that the liquidity of the structural deposit is greatly hindered, the structural deposit transfer transaction is inconvenient, and the customer experience is extremely poor.
Disclosure of Invention
In view of the problems in the prior art, embodiments of the present invention provide a method and an apparatus for processing a structured deposit transfer transaction, which can at least partially solve the problems in the prior art.
In one aspect, the invention provides a method for processing a structured deposit transfer transaction, comprising:
receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
carrying out validity verification on the seller identity information, and carrying out position holding verification on the structural deposit information if the structural deposit information passes the validity verification;
if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number;
and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
Wherein, the verifying the validity of the seller identity information includes:
and carrying out validity verification on the seller identity information according to the prestored seller account information.
Wherein the method for processing a structured deposit transfer transaction further comprises:
and if the legality verification is determined not to pass, sending a first prompt message that the legality verification does not pass to the seller terminal.
Wherein the structured deposit transfer transaction processing method further comprises:
and if the position taking verification is determined not to be passed, sending a second prompt message that the position taking verification is not passed to the seller terminal.
In one aspect, the present invention provides a device for processing a structured deposit transfer transaction, including:
the receiving unit is used for receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
the verification unit is used for carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification;
a sending unit, configured to send assignment information to the seller terminal if it is determined that the taken position verification passes, and send purchase information to the buyer terminal according to the buyer mobile phone number if a first feedback message indicating that the confirmation is correct is received, where the first feedback message is fed back by the seller terminal;
and the transaction unit is used for executing the structural deposit transfer transaction according to the buyer account information and pre-stored seller account information if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received and fed back by the buyer terminal.
Wherein the verification unit is specifically configured to:
and carrying out validity verification on the seller identity information according to the prestored seller account information.
Wherein the structured deposit transfer transaction processing arrangement is further configured to:
and if the legality verification is determined not to pass, sending a first prompt message that the legality verification does not pass to the seller terminal.
Wherein the structured deposit transfer transaction processing arrangement is further configured to:
and if the position taking verification is determined not to be passed, sending a second prompt message that the position taking verification is not passed to the seller terminal.
In another aspect, an embodiment of the present invention provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the following method when executing the computer program:
receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification;
if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number;
and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
An embodiment of the present invention provides a computer-readable storage medium, including:
the computer-readable storage medium stores a computer program which, when executed by a processor, implements a method comprising:
receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
carrying out validity verification on the seller identity information, and carrying out position holding verification on the structural deposit information if the structural deposit information passes the validity verification;
if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number;
and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
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 following method:
receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification;
if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number;
and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
The method and the device for processing the structural deposit transfer transaction provided by the embodiment of the invention receive a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number; carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification; if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number; and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed and is fed back by the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information, and conveniently and safely realizing the structural deposit transfer transaction of both buyers and sellers.
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 embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
fig. 1 is a flow chart illustrating a method for processing a structured deposit transfer transaction according to an embodiment of the present invention.
Fig. 2 is a schematic flow chart of a method for processing a structured deposit transfer transaction according to another embodiment of the present invention.
Fig. 3 is a schematic structural diagram of a modular structural credit transfer transaction processing method according to an embodiment of the invention.
Fig. 4 is a schematic diagram of the structure of a structure credit transfer transaction processing device according to an embodiment of the present invention.
Fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present 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. It should be noted that the embodiments and features of the embodiments in the present application may be arbitrarily combined with each other without conflict.
Fig. 1 is a schematic flow chart of a method for processing a structured deposit transfer transaction according to an embodiment of the present invention, and as shown in fig. 1, the method for processing a structured deposit transfer transaction according to an embodiment of the present invention includes:
step S1: receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and buyer mobile phone number.
Step S2: and carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification.
And step S3: and if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and indicates that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number.
And step S4: and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
In the above step S1, the apparatus receives a structured deposit assignment request transmitted from the seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and buyer mobile phone number. The apparatus may be a computer device or the like, e.g. a server, performing the method. According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations. The data transmission and reception related to the method of the embodiment of the present invention may be implemented by transmitting and receiving a 5G message, and is not particularly limited.
5G message: on the basis of the short message, the length limit is broken through based on the IP technology, information transmission of various formats such as characters, pictures, audio and video positions is realized, and enterprises and merchants are helped to send accurate information.
The transfer of the structural deposit is a matching transaction, when a client needs to transfer the own structural deposit, the client needs to find a buyer, and the buyer and the seller sign agreement transfer contents and complete the transfer transaction through a counter. After the 5G message is introduced, the buyer and the seller do not need to go to the counter any more, but the transfer is completed through the interaction between the 5G message and the counter.
The seller identity information may include the name of the seller, an identification number, and the like. The structural deposit information may include a deposit position proportion, a deposit amount, and the like.
In the step S2, the device performs validity verification on the seller identity information, and if it is determined that the validity verification passes, performs position taking verification on the structural deposit information. The verifying the legality of the seller identity information comprises the following steps:
and carrying out validity verification on the seller identity information according to the prestored seller account information. The seller account information may be account information that is reserved by the seller when the seller opens an account in advance at a bank, and when the seller wants to sell a structural deposit, the reserved account information may be used as pre-stored seller account information. Namely, whether the reserved identity information in the pre-stored seller account information is consistent with the seller identity information is verified, and if so, the validity verification is determined to be passed.
If the validity verification is not passed, a first prompt message that the validity verification is not passed is sent to the seller terminal.
Holding the position: the investor can voluntarily decide to buy or sell the futures contract according to market conditions and personal wishes before the physical delivery or cash delivery expires. The investor (making more or making empty) does not make reverse operations (selling or buying) for delivery of equal months and quantities, and holds the futures contract, which is called "taken position". In the operation of gold and other commodity futures, the warehouse is built whenever a new position is built no matter buying or selling. The operator holds the position in the hand after the position is built, which is called holding the position.
The method for verifying the position taken by the structural deposit information can be understood as verifying that a seller holds the position taken by the structural deposit, wherein the verification is completed, namely the position taken verification is determined to pass, the verification is not completed, namely the position taken verification is determined not to pass, and if the position taken verification is determined not to pass, a second prompt message for not passing the position taken verification is sent to the seller terminal.
In the step S3, if the device determines that the taken position verification is passed, the device sends assignment information to the seller terminal, and if a first feedback message which is fed back by the seller terminal and indicates that the verification is correct is received, sends purchase information to the buyer terminal according to the buyer mobile phone number. The seller can confirm the correctness by clicking the confirmation key to feed back.
In step S4, if the device receives a second feedback message including the buyer account information and indicating that the confirmation is correct, which is fed back by the buyer terminal, the device executes the structural deposit transfer transaction according to the buyer account information and the pre-stored seller account information. The buyer can indicate the confirmation by clicking the confirmation key to feed back. The buyer account information may include a bank card number of the buyer as the issuer.
Deducting corresponding payment amount from the account information of the buyer and adding structural deposit; and deducting the structural deposit from the seller account information, and adding the payment amount, thereby realizing the structural deposit transfer transaction of the buyer and the seller.
As shown in fig. 2, the method of the embodiment of the present invention is explained as follows:
the seller client sends a 5G message to a corresponding bank to send an assignment request of the structural deposit, wherein the request comprises own identity information, structural deposit information, a mobile phone number of the buyer client and other information;
after receiving a 5G message request of a client, a bank operator verifies the legality of the client of the seller, including verifying the identity of the client, verifying the position of a structural deposit held by the client and the like, and confirming transfer information to the seller;
the seller client confirms the transfer information of the own structural deposit and sends confirmation information to the bank end;
after receiving the confirmation information of the seller client, the bank end sends a 5G message for confirming to buy the structural deposit to the buyer;
the buyer confirms the buying information and sends the account information of the buyer to the bank;
and the bank end executes the transfer transaction of the structural deposit after receiving the confirmation messages of the two parties.
As shown in fig. 3, the method according to the embodiment of the present invention may be implemented based on modularization, and specifically includes:
5G message receiving module 1: the bank side is used for receiving 5G messages sent by the clients for applying for structural deposit transfer, confirmation and the like.
Customer transfer rights checking module 2: after receiving the 5G message, the bank end analyzes the message sent by the client, and verifies the identity of the client and the held structural deposit to ensure the legality of the transfer transaction.
The message sending module 3: the bank side is used for sending confirmation messages of the structural deposit transfer transaction, including confirmation of the structural deposit transfer transaction of the seller and confirmation of the buyer to the purchase information.
Structural deposit transfer transaction module 4: after confirming the information of the buyer and the seller, executing the transfer transaction of the structural deposit to finish the transfer.
The structural deposit transfer transaction processing method provided by the embodiment of the invention receives a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number; carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification; if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number; and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed and is fed back by the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information, and conveniently and safely realizing the structural deposit transfer transaction of both buyers and sellers.
Further, the verifying the validity of the seller identity information includes:
and carrying out validity verification on the seller identity information according to the prestored seller account information. Reference is made to the above description and no further description is given.
Further, the structural deposit transfer transaction processing method further includes:
and if the legality verification is determined not to pass, sending a first prompt message of not passing the legality verification to the seller terminal. Reference is made to the above description and no further description is made.
Further, the structural deposit transfer transaction processing method further includes:
and if the position taking verification is determined not to be passed, sending a second prompt message that the position taking verification is not passed to the seller terminal. Reference is made to the above description and no further description is given.
It should be noted that the structural deposit transfer transaction processing method provided by the embodiment of the present invention may be used in the financial field, and may also be used in any technical field other than the financial field.
Fig. 4 is a schematic structural diagram of a structural deposit transfer transaction processing device according to an embodiment of the present invention, and as shown in fig. 4, the structural deposit transfer transaction processing device according to the embodiment of the present invention includes a receiving unit 401, an authentication unit 402, a sending unit 403, and a transaction unit 404, where:
the receiving unit 401 is configured to receive a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number; the verification unit 402 is configured to perform validity verification on the seller identity information, and if it is determined that the validity verification passes, perform position taking verification on the structural deposit information; the sending unit 403 is configured to send assignment information to the seller terminal if it is determined that the taken position verification passes, and send purchase information to the buyer terminal according to the buyer mobile phone number if a first feedback message indicating that the confirmation is correct and fed back by the seller terminal is received; the transaction unit 404 is configured to, if the second feedback message including the buyer account information and indicating that the correct second feedback message is confirmed is received, execute a structural deposit transfer transaction according to the buyer account information and pre-stored seller account information.
Specifically, the receiving unit 401 in the device is used for receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number; the verification unit 402 is configured to perform validity verification on the seller identity information, and if it is determined that the validity verification passes, perform position taking verification on the structural deposit information; the sending unit 403 is configured to send assignment information to the seller terminal if it is determined that the taken position verification passes, and send purchase information to the buyer terminal according to the buyer mobile phone number if a first feedback message indicating that the confirmation is correct and fed back by the seller terminal is received; the transaction unit 404 is configured to, if the second feedback message including the buyer account information and indicating that the correct second feedback message is confirmed is received, execute a structural deposit transfer transaction according to the buyer account information and pre-stored seller account information.
The device for processing the structural deposit transfer transaction provided by the embodiment of the invention receives a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number; carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification; if the position holding verification is confirmed to pass, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and indicates that the correctness is confirmed is received, buying information is sent to the buyer terminal according to the buyer mobile phone number; and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed and is fed back by the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information, and conveniently and safely realizing the structural deposit transfer transaction of the buyer and the seller.
Further, the verification unit 402 is specifically configured to:
and carrying out validity verification on the seller identity information according to the prestored seller account information.
Further, the structural deposit transfer transaction processing arrangement is further configured to:
and if the legality verification is determined not to pass, sending a first prompt message that the legality verification does not pass to the seller terminal.
Further, the structural deposit transfer transaction processing arrangement is further configured to:
and if the position taking verification is determined not to be passed, sending a second prompt message that the position taking verification is not passed to the seller terminal.
The embodiment of the apparatus for processing a structural deposit transfer transaction according to the embodiment of the present invention may be specifically configured to execute the processing procedures of the above method embodiments, and the functions thereof are not described herein again, and reference may be made to the detailed description of the above method embodiments.
Fig. 5 is a schematic structural diagram of a computer device provided in an embodiment of the present invention, and as shown in fig. 5, the computer device includes: a memory 501, a processor 502 and a computer program stored on the memory 501 and executable on the processor 502, the processor 502 implementing the following method when executing the computer program:
receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
carrying out validity verification on the seller identity information, and carrying out position holding verification on the structural deposit information if the structural deposit information passes the validity verification;
if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number;
and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
The present embodiments disclose a computer program product comprising a computer program which, when executed by a processor, implements a method of:
receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification;
if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number;
and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
The present embodiments provide a computer-readable storage medium storing a computer program which, when executed by a processor, implements a method of:
receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification;
if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number;
and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
Compared with the technical scheme in the prior art, the embodiment of the invention receives the structural deposit transfer request sent by the seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number; carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification; if the position holding verification is confirmed to pass, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and indicates that the correctness is confirmed is received, buying information is sent to the buyer terminal according to the buyer mobile phone number; and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed and is fed back by the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information, and conveniently and safely realizing the structural deposit transfer transaction of both buyers and sellers.
As will be appreciated by one skilled in the art, 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 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 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.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," "an example," "a particular example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. 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, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
The above-mentioned embodiments are provided to further explain the objects, technical solutions and advantages of the present invention in detail, and it should be understood that the above-mentioned embodiments are only examples of the present invention and should not be used to limit the scope of the present invention, and any modifications, equivalents, 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 (11)
1. A method of processing a structured deposit transfer transaction, comprising:
receiving a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
carrying out validity verification on the seller identity information, and carrying out position holding verification on the structural deposit information if the structural deposit information passes the validity verification;
if the verification of the taken position is confirmed to be passed, transferring information is sent to the seller terminal, and if a first feedback message which is fed back by the seller terminal and represents that the verification is correct is received, buying information is sent to the buyer terminal according to the buyer mobile phone number;
and if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received, and the feedback of the buyer terminal is received, executing the structural deposit transfer transaction according to the buyer account information and the prestored seller account information.
2. The method of processing a structured deposit transfer transaction of claim 1 wherein said legality verifying said seller identity information comprises:
and carrying out validity verification on the seller identity information according to the prestored seller account information.
3. The structured deposit transfer transaction processing method of claim 1, further comprising:
and if the legality verification is determined not to pass, sending a first prompt message of not passing the legality verification to the seller terminal.
4. The structured deposit transfer transaction processing method of claim 1, further comprising:
and if the position taking verification is determined not to be passed, sending a second prompt message that the position taking verification is not passed to the seller terminal.
5. A structured deposit transfer transaction processing apparatus comprising:
a receiving unit, configured to receive a structural deposit transfer request sent by a seller terminal; the structural deposit transfer request comprises seller identity information, structural deposit information and a buyer mobile phone number;
the verification unit is used for carrying out validity verification on the seller identity information, and carrying out position taking verification on the structural deposit information if the structural deposit information is confirmed to pass the validity verification;
a sending unit, configured to send assignment information to the seller terminal if it is determined that the taken position verification passes, and send purchase information to the buyer terminal according to the buyer mobile phone number if a first feedback message indicating that the confirmation is correct is received, where the first feedback message is fed back by the seller terminal;
and the transaction unit is used for executing the structural deposit transfer transaction according to the buyer account information and pre-stored seller account information if the second feedback message which contains the buyer account information and indicates that the correctness is confirmed is received and fed back by the buyer terminal.
6. The structured deposit transfer transaction processing apparatus of claim 5, wherein the validation unit is specifically configured to:
and carrying out validity verification on the seller identity information according to the prestored seller account information.
7. A structured deposit transfer transaction processing apparatus according to claim 5 wherein said structured deposit transfer transaction processing apparatus is further operative to:
and if the legality verification is determined not to pass, sending a first prompt message that the legality verification does not pass to the seller terminal.
8. A structured deposit transfer transaction processing apparatus according to claim 5 wherein said structured deposit transfer transaction processing apparatus is further operative to:
and if the position taking verification is determined not to be passed, sending a second prompt message that the position taking verification is not passed to the seller terminal.
9. 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 any one of claims 1 to 4 when executing the computer program.
10. 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 any of claims 1 to 4.
11. 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 any one of claims 1 to 4.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211065624.2A CN115393102A (en) | 2022-09-01 | 2022-09-01 | Method and device for processing structured deposit transfer transaction |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211065624.2A CN115393102A (en) | 2022-09-01 | 2022-09-01 | Method and device for processing structured deposit transfer transaction |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115393102A true CN115393102A (en) | 2022-11-25 |
Family
ID=84125667
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211065624.2A Pending CN115393102A (en) | 2022-09-01 | 2022-09-01 | Method and device for processing structured deposit transfer transaction |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN115393102A (en) |
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2022
- 2022-09-01 CN CN202211065624.2A patent/CN115393102A/en active Pending
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