CN116915439A

CN116915439A - Information processing method, apparatus, computer device, and storage medium

Info

Publication number: CN116915439A
Application number: CN202310667615.9A
Authority: CN
Inventors: 刘凯
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2023-06-07
Filing date: 2023-06-07
Publication date: 2023-10-20

Abstract

The application relates to an information processing method, an information processing device and computer equipment. The method comprises the following steps: receiving a client registration request sent by a merchant terminal, wherein the client registration request comprises a registered client identifier and a merchant identifier; when detecting that no association relation exists between the merchant identifier and the registered client identifier, generating registration verification information based on a client registration request, and sending the registration verification information to a client registering the client identifier; receiving client verification information sent by a merchant terminal, acquiring prestored client information of a registered client identifier when the client verification information is detected to be consistent with the registered verification information, and generating registration confirmation information based on the prestored client information; and sending the registration confirmation information to the client, acquiring target client information which is returned by the client and is determined from the registration confirmation information, and sending the target client information to the merchant terminal so that the merchant terminal performs client registration based on the target client information. By adopting the method, the user information safety can be improved.

Description

Information processing method, apparatus, computer device, and storage medium

Technical Field

The present application relates to the field of big data technology, and in particular, to an information processing method, an apparatus, a computer device, a storage medium, and a computer program product.

Background

In recent years, electronic commerce has become a major trend in the development of internet economy, and online payment has become a more widespread means of payment. Each merchant typically uses a paymate to provide online payment services to users and to provide member offers to thereby entice users to register members. However, the steps of the user in registering members are complicated, and many user information needs to be filled in, which easily causes information security problems of user information leakage.

Disclosure of Invention

In view of the foregoing, it is desirable to provide an information processing method, apparatus, computer device, computer-readable storage medium, and computer program product that can improve user information security.

In a first aspect, the present application provides an information processing method. The method comprises the following steps:

receiving a client registration request sent by a merchant terminal, wherein the client registration request comprises a registered client identifier and a merchant identifier;

when detecting that no association relation exists between the merchant identifier and the registered client identifier, generating registration verification information based on a client registration request, and sending the registration verification information to a client corresponding to the registered client identifier;

receiving client verification information sent by a merchant terminal, when the client verification information is detected to be consistent with registration verification information, acquiring prestored client information corresponding to a registration client identifier, and generating registration confirmation information based on the prestored client information;

The registration confirmation information is sent to the client, target client information which is returned by the client and determined from the registration confirmation information is obtained, and the target client information is sent to the merchant terminal, so that the merchant terminal performs client registration based on the target client information;

and when the client registration completion information returned by the merchant terminal is detected, associating the registration client identifier with the merchant identifier.

In a second aspect, the present application also provides an information processing apparatus. The device comprises:

the receiving module is used for receiving a client registration request sent by a merchant terminal, wherein the client registration request comprises a registered client identifier and a merchant identifier;

the registration verification information module is used for generating registration verification information based on a client registration request when detecting that no association relation exists between the merchant identifier and the registered client identifier, and sending the registration verification information to the client corresponding to the registered client identifier;

the registration confirmation information module is used for receiving the client verification information sent by the merchant terminal, acquiring prestored client information corresponding to the registration client identifier when the client verification information is detected to be consistent with the registration verification information, and generating registration confirmation information based on the prestored client information;

the sending module is used for sending the registration confirmation information to the client, acquiring target client information which is returned by the client and is determined from the registration confirmation information, and sending the target client information to the merchant terminal so that the merchant terminal performs client registration based on the target client information;

And the association module is used for associating the registered client identification with the merchant identification when the client registration completion information returned by the merchant terminal is detected.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:

In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:

In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:

According to the information processing method, the information processing device, the computer equipment, the storage medium and the computer program product, when the fact that the association relation between the merchant identification and the registered client identification does not exist is detected, registration verification information is generated according to the client registration request and is sent to the client, when the fact that the client verification information sent by the merchant is consistent with the registration verification information is detected, the registration verification information is generated according to prestored client information corresponding to the registered client identification, accuracy of the merchant and the client is guaranteed through consistency detection of the client verification information and the registration verification information, the registration verification information is accurately sent to the client, target client information which is returned by the client and is determined from the registration verification information is acquired, and the target client information is sent to the merchant.

Drawings

FIG. 1 is a diagram of an application environment for a method of information processing in one embodiment;

FIG. 2 is a flow chart of a method of processing information in one embodiment;

FIG. 3 is a flow chart illustrating resource pre-storing in one embodiment;

FIG. 4 is a schematic diagram of a cloud platform payment process in one embodiment;

FIG. 5 is a schematic diagram of a funds management system in one embodiment;

FIG. 6 is a schematic diagram of a merchant access platform in one embodiment;

FIG. 7 is a schematic diagram of a user information management system in one embodiment;

FIG. 8 is a schematic diagram of a marketing system in one embodiment;

FIG. 9 is a block diagram showing the structure of an information processing apparatus in one embodiment;

FIG. 10 is an internal block diagram of a computer device in one embodiment;

FIG. 11 is an internal block diagram of a computer device in one embodiment.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

The information processing method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein merchant terminal 102 and client 106 communicate with server 104 over a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server. The server 104 receives a client registration request sent by the merchant terminal 102, wherein the client registration request comprises a registered client identifier and a merchant identifier; when the server 104 detects that no association exists between the merchant identifier and the registered client identifier, generating registration verification information based on the client registration request, and sending the registration verification information to the client 106 corresponding to the registered client identifier; the server 104 receives client verification information sent by the merchant terminal 102, and when detecting that the client verification information is consistent with the registration verification information, obtains prestored client information corresponding to the registration client identifier, and generates registration confirmation information based on the prestored client information; the server 104 sends the registration confirmation information to the client 106, acquires target client information which is returned by the client 106 and is determined from the registration confirmation information, and sends the target client information to the merchant 102, so that the merchant 102 performs client registration based on the target client information; when the server 104 detects the client registration completion information returned by the merchant terminal 102, the registered client identifier is associated with the merchant identifier. The merchant terminal 102 and the client 106 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices and portable wearable devices, and the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart vehicle devices, etc. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers.

In one embodiment, as shown in fig. 2, an information processing method is provided, and the method is applied to the server in fig. 1 for illustration, and includes the following steps:

step 202, receiving a customer registration request sent by a merchant terminal, wherein the customer registration request comprises a registered customer identifier and a merchant identifier.

And 204, when detecting that the association relationship does not exist between the merchant identifier and the registered client identifier, generating registration verification information based on the client registration request, and sending the registration verification information to the client corresponding to the registered client identifier.

The merchant terminal refers to a user terminal with commercial attribute of a merchant. The client registration request refers to a request that the merchant terminal applies client information to the server for client registration. Registering the customer identity refers to the identity of the customer that needs to register with the merchant. The merchant identification refers to the identification of the merchant terminal which needs to acquire the client information for client registration. The registration verification information is information for merchant side verification. Registration refers to a process that a merchant terminal marks a specified client terminal as a specific identity, and may be that the client terminal performs identity registration, for example, member registration, etc. with the merchant terminal.

Specifically, the server receives a client registration request sent by the merchant terminal, wherein the client registration request comprises a registered client identifier and a merchant identifier. The server stores association relations between the merchant identifications and the client identifications in advance, and the association relations indicate that the merchant identifications finish client registration by using client information corresponding to the client identifications in advance. The server traverses each client identifier associated with the merchant identifier, and when detecting that no association relationship exists between the merchant identifier and the registered client identifier, the server generates registration verification information according to the client registration request, wherein the registration verification information can be generated by calculating the registered client identifier by using a preset verification information generation algorithm, or can be generated randomly. And the server sends the registration verification information to the client corresponding to the registration client identifier. When the server detects that the association relation exists between the merchant identification and the registered client identification, repeated registration abnormal information is generated according to the registered client identification, and the repeated registration abnormal information is sent to the merchant terminal.

And 206, receiving client verification information sent by a merchant terminal, acquiring prestored client information corresponding to the registered client identification when the client verification information is detected to be consistent with the registered verification information, and generating registration confirmation information based on the prestored client information.

The client authentication information is information for performing consistency authentication with the registration authentication information. The pre-stored client information refers to client information stored in advance by a user. The registration confirmation information is a candidate information set for information selection by the client.

Specifically, the server acquires client verification information sent by the merchant terminal. The client verification information may be obtained by the client receiving the registration verification information sent by the server and then sending the registration verification information to the merchant terminal, where the merchant terminal uses the received registration verification information as the client verification information. The server compares the client verification information with the registration verification information, and when the client verification information is detected to be consistent with the registration verification information, prestored client information corresponding to the registration client identification is obtained. The pre-stored client information may be necessary client information that the server obtains when registering the client. The server generates registration confirmation information according to the pre-stored client information, specifically, may generate a client information list according to the pre-stored client information, convert the client information list into a client information list in a to-be-selected state, where the client information list includes all client information lists, and the server generates registration confirmation information according to the client information list in the to-be-selected state.

And step 208, the registration confirmation information is sent to the client, the target client information which is returned by the client and is determined from the registration confirmation information is obtained, and the target client information is sent to the merchant terminal, so that the merchant terminal performs client registration based on the target client information.

The target client information refers to client information used when the client allows the merchant to register the client in the pre-stored client information.

Specifically, the server sends the registration confirmation information to the client corresponding to the registration client identifier, so that the client displays each piece of client information to be selected in the registration confirmation information on the visual interface, the client responds to the selection operation of the user on the target client information in each piece of client information to be selected on the visual interface, and the client returns the target client information to the server. And the server sends the target client information to the merchant terminal so that the merchant terminal uses the target client information to register the client.

And 210, when the client registration completion information returned by the merchant terminal is detected, associating the registration client identifier with the merchant identifier.

Specifically, when the server detects the client registration completion information returned by the merchant terminal, an association relationship between the registered client identifier and the merchant identifier is established. When the server receives the client registration request sent by the merchant terminal, whether the registered client identifier and the merchant identifier are registered repeatedly is judged according to the association relation.

In the information processing method, when the association relation between the merchant identification and the registered client identification is not detected, the registration verification information is generated according to the client registration request and is sent to the client, when the fact that the client verification information sent by the merchant is consistent with the registration verification information is detected, the registration verification information is generated according to the prestored client information corresponding to the registered client identification, the accuracy of the merchant and the client is ensured through the consistency detection of the client verification information and the registration verification information, the registration verification information is accurately sent to the client, the target client information which is returned by the client and is determined from the registration verification information is acquired, and the target client information is sent to the merchant.

In one embodiment, as shown in fig. 3, a flow diagram of resource pre-storage is provided. In step 202, before receiving the user registration request sent by the merchant terminal, the method further includes:

Step 302, responding to a platform user registration request sent by a client, and acquiring user registration information to perform user registration;

step 304, after the completion of user registration is detected, pre-stored client information in the user registration information is acquired and stored, and a pre-stored resource acquisition request is generated;

step 306, a pre-stored resource obtaining request is sent to the client, so that the client sends a pre-stored resource transferring instruction to the resource management end based on the pre-stored resource obtaining request;

step 308, the resource management terminal receives the pre-stored resources transferred by the resource management terminal based on the pre-stored resource transfer instruction.

The platform user registration request refers to a request of the client for identity registration with the server. The pre-stored resource acquisition request refers to a request that a server applies for temporary storage resources to a client. The pre-stored resource transfer instruction refers to an instruction that the client instructs the resource management end to transfer the resource. The pre-stored resource refers to a temporary storage resource applied by the server to the client, and can be a currency resource and the like.

Specifically, the server responds to a platform user registration request sent by the client, sends an information acquisition request to the client, and acquires user registration information returned by the client based on the information acquisition request. The server performs user registration using the user registration information. After the server detects that the user registration is completed, the server stores prestored client information in the user registration information and generates a prestored resource acquisition request, wherein the prestored resource acquisition request comprises prestored resource acquisition requests of various values.

The server sends the pre-stored resource acquisition request to the client, and the client generates a pre-stored resource transfer instruction corresponding to the pre-stored resource acquisition request of the target data through the determining operation of the client responding to the pre-stored resource acquisition request of the target value in the pre-stored resource acquisition requests of the various values. And the pre-stored resource transfer instruction is sent to the resource management end through the client end, so that the resource management end responds to the pre-stored resource transfer instruction to transfer the pre-stored resource of the target value to the server.

In this embodiment, after detecting that the user registration is completed, a pre-stored resource acquisition request is sent to the client, a pre-stored resource transfer instruction is generated by the client, and the pre-stored resource transferred by the resource management end is received, so that after a subsequent server receives the resource acquisition request sent by the merchant end, a target resource can be directly selected from the pre-stored resource to perform resource transfer, thereby improving the resource transfer efficiency.

In one embodiment, step 302, obtaining user registration information for user registration includes:

acquiring a registration account identifier and a registration account password based on user registration information, and acquiring each preset time point;

respectively splicing each preset time point and the registered account password to obtain registered encryption parameters corresponding to each preset time point;

Encrypting and calculating the registered account passwords by using the registered encryption parameters corresponding to each preset time point to obtain the registered encryption passwords corresponding to each preset time point;

and associating the registration account identifier with the registration encryption passwords corresponding to each preset time point, and determining that the user registration is completed.

The registered account identification refers to account identification information required to be subjected to identity registration. The registered account password refers to account password information for authentication. The preset time point refers to a time point preset for generating the encryption parameter. The registration encryption parameter is a parameter for encrypting a registration password.

Specifically, the server acquires a registered account identifier and a registered account password according to the user registration information, and acquires each preset time point. For example, each preset time point may be a time point of a preset time period interval in 0 to 24 hours, and the preset time period may be 60 minutes, and each preset time point is 0000, 0100, 0200, … …,2400; the preset time period may be 30 minutes, and each preset time point is 0000, 0030, 0100, 0130, … …,2400. The server performs data splicing on the registered account passwords and each preset time point respectively, and can be front-back splicing or interval splicing to obtain the registered encryption parameters corresponding to each preset time point. And the server performs encryption calculation on the registration account passwords respectively according to the registration encryption parameters corresponding to each preset time point to obtain the registration encryption passwords corresponding to each preset time point.

The server establishes and stores the association relation between the registration account identification and the registration encryption passwords corresponding to all preset time points, then the server generates a registration success message, and the registration success message is sent to the client corresponding to the platform user registration request.

In this embodiment, each preset time point and the registration account password are respectively spliced to obtain registration encryption parameters corresponding to each preset time point, and the registration encryption parameters are used for carrying out encryption calculation on the registration account passwords to obtain registration encryption passwords corresponding to each preset time point, so that the subsequent user can carry out identity verification by using the registration encryption passwords corresponding to each preset time point when logging in, dynamic verification is realized, and therefore the safety of client information is ensured.

In one embodiment, after associating the registration account identifier with the registration encryption password corresponding to each preset time point, determining that the user registration is completed, the method further includes:

responding to a platform user login request sent by a client to acquire a login account identifier, a login account password and a current time point;

performing standardization processing based on the current time point to obtain a current standard time point, and splicing the current standard time point and the login account to obtain login encryption parameters corresponding to the current standard time point;

Encrypting and calculating the login encryption parameters to obtain login encryption passwords corresponding to the current standard time points;

searching the associated registration encryption passwords corresponding to each preset time point based on the login account identification;

and when the target time point in each preset time point is detected to be consistent with the current standard time point, and the registration encryption password corresponding to the target time point is detected to be consistent with the registration encryption password, determining that the client login is successful.

The current time point refers to a time point when the client initiates a platform user login request.

Specifically, the server responds to a platform user login request sent by the client to acquire a login account identifier, a login account password and a current time point. The server performs standardization processing on the current time point, namely performing point-setting processing on the current time point, specifically acquiring each preset time range, dividing each preset time range according to a preset time period, detecting a target time range where the current time point is located in each preset time range, and taking a target time point corresponding to the target time range as a current standard time point corresponding to the current time point. For example, when the current time point is 1420 and the preset time period is 60 minutes, the target time range where the current time point is located is 1400-1500, and the target time point corresponding to the target time range is 1400; when the preset time period is 30 minutes, the target time range where the current time point is located is 1400-1430, and the target time point corresponding to the target time range is 1430.

The server splices the current standard time point and the login account to obtain login encryption parameters corresponding to the current standard time point, then the server carries out encryption calculation on the login encryption parameters to obtain login encryption passwords corresponding to the current standard time point, and the service searches each associated preset time point and corresponding login encryption passwords according to the login account identification. The server traverses each preset time point and the corresponding registration encryption password, and when the fact that the target time point in each preset time point is consistent with the current standard time point and the registration encryption password corresponding to the target time point is consistent with the registration encryption password is detected, the successful registration of the client is determined. The server generates login success information, and sends the login success information to the client corresponding to the login request of the platform user, so that the client manages pre-stored resources in the server after the login is successful.

In this embodiment, the current standard time point is obtained by performing standardization processing on the current time point, and the current standard time point and the login account are spliced to obtain login encryption parameters corresponding to the current standard time point; and carrying out encryption calculation on the login encryption parameters by using the login encryption parameters to obtain login encryption passwords corresponding to the current standard time point, and carrying out identity verification on the login encryption passwords corresponding to the current standard time point by using the login encryption passwords corresponding to the preset time points, thereby realizing dynamic verification and further ensuring the safety of client information.

In one embodiment, the information processing method further includes:

acquiring a resource acquisition request sent by a merchant terminal, wherein the resource acquisition request carries a client identifier, a merchant identifier and resource transfer information;

generating resource transfer confirmation information based on the merchant identification and the resource transfer information, and sending the resource transfer confirmation information to the client corresponding to the client identification;

when a resource transfer confirmation instruction returned by the client is detected, determining a target resource in pre-stored resources based on the resource transfer information, and transferring the target resource to a resource receiving account corresponding to the merchant identification;

and updating the pre-stored resources based on the target resources to obtain updated pre-stored resources.

The resource obtaining request refers to a request that the merchant applies for resource transfer to the client. The resource transfer information refers to numerical information of resources to be transferred. The resource transfer confirmation information refers to information to be confirmed by the client side, which needs to be subjected to resource transfer. The resource transfer confirmation instruction refers to an instruction for confirming that the client confirms to transfer the resource. The target resource refers to a resource to be transferred corresponding to the resource transfer information in the pre-stored resource. Updating the pre-stored resource refers to the pre-stored resource left after the target resource is transferred.

Specifically, the server acquires a resource acquisition request sent by the merchant terminal, wherein the resource acquisition request carries a client identifier, a merchant identifier and resource transfer information. And the server generates resource transfer confirmation information according to the merchant identification and the resource transfer information, and sends the resource transfer confirmation information to the client corresponding to the client identification. When the server detects a resource transfer confirmation instruction returned by the client, determining a target resource in the pre-stored resources based on the resource transfer information, transferring the target resource to a resource receiving account corresponding to the merchant identification, and then updating the pre-stored resources by the server to obtain updated pre-stored resources. The method specifically may be to update the value information of the pre-stored resource by using the value information of the target resource according to the resource transfer direction, for example, when the resource transfer direction of the target resource is from the server to the outside, calculate the difference between the value information of the pre-stored resource and the value information of the target resource, and update the value information of the pre-stored resource according to the difference to obtain the updated pre-stored resource. When the resource transfer direction of the target resource is from the outside to the server, calculating the sum value of the numerical value information of the pre-stored resource and the numerical value information of the target resource, and updating the numerical value information of the pre-stored resource according to the sum value to obtain the updated pre-stored resource.

In a specific embodiment, the server may also search each client identifier associated with the merchant identifier according to the merchant identifier, detect whether there is a client identifier carried by the resource acquisition request in each client identifier, and if so, generate resource transfer confirmation information according to the merchant identifier and the resource transfer information, and send the resource transfer confirmation information to the client corresponding to the client identifier.

If the information does not exist, generating resource transfer confirmation failure information, and sending the resource transfer confirmation failure information to a client corresponding to the client identifier carried by the resource acquisition request and a merchant corresponding to the merchant identifier. And the merchant generates a client registration confirmation request according to the resource transfer confirmation failure information, and sends the client registration confirmation request to the client. And when the merchant terminal detects the confirmation registration information returned by the client terminal based on the client registration confirmation request, the merchant terminal sends the client registration request to the server. When the server detects the client registration completion information returned by the merchant terminal, the client identifier and the merchant identifier are associated, and the resource transfer confirmation information is sent to the client terminal corresponding to the client identifier.

In this embodiment, when the resource transfer confirmation instruction returned by the client is detected, the target resource is determined in the pre-stored resource in the resource transfer information, and the target resource is transferred to the resource receiving account corresponding to the merchant identifier, so that the resource transfer flow is simplified, and the resource transfer efficiency is improved.

In one embodiment, in step 208, after sending the target customer information to the merchant terminal, so that the merchant terminal performs customer registration based on the target customer information, the method further includes:

acquiring an information notification request sent by a merchant terminal, wherein the information notification request carries a merchant identifier and target notification information;

and searching each client identifier associated with the merchant identifier, and notifying the client corresponding to each client identifier of the target notification information.

The information notification request refers to a request that the merchant terminal carries out message notification to the associated client terminal. The target notification information refers to information content to be notified.

Specifically, the server acquires an information notification request sent by the merchant terminal, wherein the information notification request carries a merchant identifier and target notification information. The server searches each associated client identifier according to the merchant identifier, acquires information notification parameters corresponding to each client identifier, establishes a communication channel between the server and the client corresponding to each client identifier according to the information notification parameters, and sends target notification information to the client corresponding to each client identifier through the communication channel. For example, according to the mobile phone number corresponding to the client identifier, the target notification information is sent to the mobile phone terminal corresponding to each client identifier in the form of a short message.

In a specific embodiment, as shown in fig. 4, a cloud platform payment flow schematic is provided. The cloud platform represents a payment system for making consumer payments. And the merchant terminal sends a payment order, namely a resource acquisition request, to the cloud platform. The cloud platform sends the payment order to the client for order confirmation, after receiving order confirmation information returned by the client, the cloud platform initiates a deduction account-moving request to the bank according to the payment order, the bank deducts money according to the deduction account-moving request, and returns deduction success information to the cloud platform, and the cloud platform sends the deduction success information to the merchant and the client for notification.

In one particular embodiment, the payment system includes a funds management system, a merchant access system, a user information management system, and a marketing system. Wherein:

funds management system: managing user funds, recharging, presenting, binding cards and other functions, and providing a payment platform;

barbershop access system: is responsible for docking each barbershop, including a payment platform;

user information management system: various registration information of the user is managed, and membership card service is provided;

marketing system: and marketing promotion service is provided for each barbershop.

In one embodiment, as shown in FIG. 5, a schematic diagram of a funds management system is provided. The fund management system comprises a subdivision system, a cloud platform membership card fund module, a reconciliation report module, a fund supervision module, a bank front-end module and a payment platform. The fund management system is in butt joint with the banking system through a banking front-end module of the platform, and comprises a deduction account moving request initiated by the platform, account checking service and the like, and background messages are initiated and received through the module. The membership card fund module is responsible for managing cloud platform membership card accounts of users, the payment platform provides services such as a cash desk, the users can recharge to the platform membership card through a bank card, after the users consume in stores, the users initiate payment, the cash desk is opened, and the balance in the membership card is directly deducted for payment. Because the membership card contains the balance funds of the user, the cloud platform needs to carry out safety supervision on the membership card account of the user through the supervision module, so that the actions of preventing the funds from being stolen, being stolen and the like are prevented, and the safety of the funds of the user is ensured.

In one embodiment, as shown in FIG. 6, a schematic diagram of a merchant access platform is provided. The merchant access platform can be connected with different third-party merchant background systems, so that the third-party merchants can develop partial personalized services, payment and other basic services by themselves conveniently, the cloud platform can be accessed in a background interface calling mode, if the merchants do not have the background systems, the merchants can only need to enter the residence process through simple merchants, and the merchants enter the residence management end through the merchants to manage the merchants, so that all basic services can be provided by the cloud platform. The merchant is, for example, a barbershop.

Because part of third-party merchants can develop and meet the personalized service requirements of the third-party merchants, basic services such as payment and the like are accessed to the cloud platform through a background interface calling mode, and encryption and signing operations are needed to be carried out on messages in the interaction process of the cloud platform and a merchant background server. The access platform has a key signature management function, and is convenient for interfacing with different three-party merchant background systems (namely, merchant member systems own background systems). The merchant can manage the merchant information of the merchant through the merchant residence management end of the cloud platform.

In one embodiment, as shown in FIG. 7, a schematic diagram of a user information management system is provided. The user information management system comprises a binding card management module, a user information verification module, a user information registration module, a real-name authentication module, a point module and a balance management module. The user information management end comprises user information maintenance, login user and authority management. The user logs in the user information management end to update and verify the authority of the user information, and the user carries out user registration, user information verification and real-name authentication through the user information management system. The user binds the bank card through the user information management system, carries out recharging balance management through the balance management module, and carries out point management through the point management module.

In one embodiment, as shown in FIG. 8, a schematic diagram of a marketing system is provided. The marketing system manages marketing campaign management terminals, including key signature verification and rights management. And the merchant logs in the marketing activity management end through the marketing system to carry out banking activity management, and sends marketing information to each client through an Internet entry and a user end docking entry in the marketing system.

In a specific embodiment, the user registers information in the information management system first, and can register by using a mobile phone number, can also perform user real-name authentication, and can also register by using other third-party services. And registering the business access system by each business, and accessing the cloud platform through the business access system if services such as deduction, marketing activity information release and the like are required to be initiated. If the merchant does not have a background system, registering the merchant with the cloud platform, and using services provided by the cloud platform after registering the merchant, if the merchant has the background system and the merchant needs to do some customized services, the merchant background system can use the services of the cloud platform through an interface calling mode through the access platform.

After the customer consumes, the merchant initiates a payment order request to the cloud platform, the cloud platform returns a two-dimensional code for payment of the merchant, the user scans the code to determine order information, payment is confirmed, the cloud platform initiates a deduction account-moving request to a bank needing to be deducted through a banking system, and after the deduction is successful, the cloud platform pushes the payment to the merchant and the user.

After the consumer consumes the commercial tenant, the consumer can register the commercial tenant with the short message verification code and other modes, and the registering process is as follows: after the merchant inputs the mobile phone number of the user, the cloud platform judges whether the user is a new user, the new user sends registration short message verification, and the merchant inputs a short message verification code to finish the registration process. The merchant can access the information management system of the platform through the merchant access system, and the information management system of the user can uniformly manage the information

The user can bind the operation such as bank at the fund management system, and the binding bank card can be that the cloud platform is accessed to the quick payment flow provided by the current bank side to bind the bank card, so that the membership card recharging and presenting flow is completed. After the consumer finishes the consumption, the barbershop finishes the processes of deduction, account checking and the like through the access system to the fund management system, and meanwhile, the fund management system is in butt joint with the bank, so that the balance of the user can be automatically transferred into financial accounting, and interest is returned to the user account.

The merchant can inform each client terminal of the target notification message through the cloud platform marketing system.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides an information processing device for realizing the above-mentioned related information processing method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation of one or more embodiments of the information processing device provided below may refer to the limitation of the information processing method hereinabove, and will not be repeated herein.

In one embodiment, as shown in fig. 9, there is provided an information processing apparatus 900 including: a receiving module 902, a registration verification information module 904, a registration confirmation information module 906, a sending module 908, and an association module 910, wherein:

a receiving module 902, configured to receive a customer registration request sent by a merchant terminal, where the customer registration request includes a registered customer identifier and a merchant identifier;

the registration verification information module 904 is configured to generate registration verification information based on a client registration request when detecting that no association exists between the merchant identifier and the registered client identifier, and send the registration verification information to a client corresponding to the registered client identifier;

a registration confirmation information module 906, configured to receive the client verification information sent by the merchant terminal, and when detecting that the client verification information is consistent with the registration verification information, obtain pre-stored client information corresponding to the registered client identifier, and generate registration confirmation information based on the pre-stored client information;

The sending module 908 is configured to send registration confirmation information to the client, obtain target client information returned by the client and determined from the registration confirmation information, and send the target client information to the merchant terminal, so that the merchant terminal performs client registration based on the target client information;

and the association module 910 is configured to associate the registered customer identifier with the merchant identifier when the customer registration completion information returned by the merchant terminal is detected.

In one embodiment, the information processing apparatus 900 further includes:

the platform registration unit is used for responding to a platform user registration request sent by the client to acquire user registration information for user registration; after the completion of user registration is detected, pre-stored client information in the user registration information is acquired and stored, and a pre-stored resource acquisition request is generated; the method comprises the steps of sending a pre-stored resource acquisition request to a client so that the client sends a pre-stored resource transfer instruction to a resource management end based on the pre-stored resource acquisition request; and receiving the pre-stored resources transferred by the resource management terminal based on the pre-stored resource transfer instruction.

In one embodiment, the information processing apparatus 900 further includes:

the registration encryption unit is used for acquiring a registration account identifier and a registration account password based on the user registration information and acquiring each preset time point; respectively splicing each preset time point and the registered account password to obtain registered encryption parameters corresponding to each preset time point; encrypting and calculating the registered account passwords by using the registered encryption parameters corresponding to each preset time point to obtain the registered encryption passwords corresponding to each preset time point; and associating the registration account identifier with the registration encryption passwords corresponding to each preset time point, and determining that the user registration is completed.

In one embodiment, the information processing apparatus 900 further includes:

the login verification unit is used for responding to a platform user login request sent by the client and obtaining a login account identifier, a login account password and a current time point; performing standardization processing based on the current time point to obtain a current standard time point, and splicing the current standard time point and the login account to obtain login encryption parameters corresponding to the current standard time point; encrypting and calculating the login account password by using the login encryption parameter to obtain a login encryption password corresponding to the current standard time point; searching the associated registration encryption passwords corresponding to each preset time point based on the login account identification; and when the target time point in each preset time point is detected to be consistent with the current standard time point, and the registration encryption password corresponding to the target time point is detected to be consistent with the registration encryption password, determining that the client login is successful.

In one embodiment, the information processing apparatus 900 further includes:

the resource transfer unit is used for acquiring a resource acquisition request sent by the merchant terminal, wherein the resource acquisition request carries a client identifier, a merchant identifier and resource transfer information; generating resource transfer confirmation information based on the merchant identification and the resource transfer information, and sending the resource transfer confirmation information to the client corresponding to the client identification; when a resource transfer confirmation instruction returned by the client is detected, determining a target resource in pre-stored resources based on the resource transfer information, and transferring the target resource to a resource receiving account corresponding to the merchant identification; and updating the pre-stored resources based on the target resources to obtain updated pre-stored resources.

In one embodiment, the information processing apparatus 900 further includes:

the notification unit is used for acquiring an information notification request sent by the merchant terminal, wherein the information notification request carries a merchant identifier and target notification information; and searching each client identifier associated with the merchant identifier, and notifying the client corresponding to each client identifier of the target notification information.

Each of the modules in the above-described information processing apparatus may be implemented in whole or in part by software, hardware, and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, and the internal structure of which may be as shown in fig. 10. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing data such as client registration requests. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement an information processing method.

In one embodiment, a computer device is provided, which may be a terminal, and the internal structure thereof may be as shown in fig. 11. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement an information processing method. The display unit of the computer equipment is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device, wherein the display screen can be a liquid crystal display screen or an electronic ink display screen, the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on a shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by persons skilled in the art that the structures shown in FIGS. 10-11 are block diagrams of only some of the structures associated with the present inventive arrangements and are not limiting of the computer device to which the present inventive arrangements may be implemented, and that a particular computer device may include more or fewer components than shown, or may be combined with certain components, or have a different arrangement of components.

In an embodiment, there is also provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.

In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of the application should be assessed as that of the appended claims.

Claims

1. An information processing method, characterized in that the method comprises:

when detecting that no association relation exists between the merchant identifier and the registered client identifier, generating registration verification information based on the client registration request, and sending the registration verification information to a client corresponding to the registered client identifier;

Receiving client verification information sent by the merchant terminal, when the client verification information is detected to be consistent with the registration verification information, acquiring prestored client information corresponding to the registration client identifier, and generating registration confirmation information based on the prestored client information;

the registration confirmation information is sent to the client, target client information which is returned by the client and determined from the registration confirmation information is obtained, and the target client information is sent to the merchant terminal, so that the merchant terminal carries out client registration based on the target client information;

2. The method of claim 1, further comprising, prior to receiving the user registration request sent by the merchant terminal:

responding to a platform user registration request sent by a client, acquiring user registration information and carrying out user registration;

after the completion of user registration is detected, pre-stored client information in the user registration information is acquired and stored, and a pre-stored resource acquisition request is generated;

the pre-stored resource acquisition request is sent to the client so that the client sends a pre-stored resource transfer instruction to a resource management end based on the pre-stored resource acquisition request;

And receiving the pre-stored resources transferred by the resource management terminal based on the pre-stored resource transfer instruction.

3. The method according to claim 2, wherein the obtaining user registration information for user registration includes:

splicing the preset time points and the registered account passwords respectively to obtain registered encryption parameters corresponding to the preset time points;

encrypting and calculating the registration account passwords by using the registration encryption parameters corresponding to each preset time point to obtain the registration encryption passwords corresponding to each preset time point;

and associating the registration account identifier with the registration encryption passwords corresponding to the preset time points, and determining that the user registration is completed.

4. The method of claim 3, wherein after the associating the registered account identification with the registered encryption password corresponding to the respective preset time points, determining that user registration is completed, further comprises:

responding to a platform user login request sent by the client, and acquiring a login account identifier, a login account password and a current time point;

encrypting the login encryption parameter to the login account password to obtain a login encryption password corresponding to the current standard time point;

searching the associated registration encryption passwords corresponding to each preset time point based on the login account identifier;

and when detecting that the target time point in each preset time point is consistent with the current standard time point and the registration encryption password corresponding to the target time point is consistent with the registration encryption password, determining that the client login is successful.

5. The method according to claim 1, characterized in that the method further comprises:

acquiring a resource acquisition request sent by the merchant terminal, wherein the resource acquisition request carries a client identifier, a merchant identifier and resource transfer information;

generating resource transfer confirmation information based on the merchant identifier and the resource transfer information, and sending the resource transfer confirmation information to a client corresponding to the client identifier;

When a resource transfer confirmation instruction returned by the client is detected, determining a target resource in pre-stored resources based on the resource transfer information, and transferring the target resource to a resource receiving account corresponding to the merchant identifier;

updating the pre-stored resources based on the target resources to obtain updated pre-stored resources.

6. The method of claim 1, further comprising, after said sending said target customer information to said merchant side to cause said merchant side to perform customer registration based on said target customer information:

acquiring an information notification request sent by the merchant terminal, wherein the information notification request carries a merchant identifier and target notification information;

and searching each client identifier associated with the merchant identifier, and notifying the target notification information to the client corresponding to each client identifier.

7. An information processing apparatus, characterized in that the apparatus comprises:

the registration verification information module is used for generating registration verification information based on the client registration request when detecting that no association relation exists between the merchant identifier and the registration client identifier, and sending the registration verification information to a client corresponding to the registration client identifier;

the sending module is used for sending the registration confirmation information to the client, acquiring target client information which is returned by the client and is determined from the registration confirmation information, and sending the target client information to the merchant terminal so that the merchant terminal carries out client registration based on the target client information;

8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.

9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.

10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.