CN117437012A - Financial business processing method, device, computer equipment and storage medium - Google Patents

Financial business processing method, device, computer equipment and storage medium Download PDF

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Publication number
CN117437012A
CN117437012A CN202311255897.8A CN202311255897A CN117437012A CN 117437012 A CN117437012 A CN 117437012A CN 202311255897 A CN202311255897 A CN 202311255897A CN 117437012 A CN117437012 A CN 117437012A
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service
service processing
equipment
information
user
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张鹏
赵思琦
郝雄斌
王瑶
李科强
张瑾
王伟
幸兰欣
张洁慧
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F18/00—Pattern recognition
    • G06F18/20—Analysing
    • G06F18/22—Matching criteria, e.g. proximity measures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02D—CLIMATE CHANGE MITIGATION TECHNOLOGIES IN INFORMATION AND COMMUNICATION TECHNOLOGIES [ICT], I.E. INFORMATION AND COMMUNICATION TECHNOLOGIES AIMING AT THE REDUCTION OF THEIR OWN ENERGY USE
    • Y02D10/00—Energy efficient computing, e.g. low power processors, power management or thermal management

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Abstract

The application relates to a financial business processing method, a financial business processing device and computer equipment. The method comprises the following steps: acquiring terminal position information, service equipment identification and service identification to be processed carried by a service processing request sent by a terminal; determining target service equipment position information and corresponding pre-stored service equipment identifiers in the position information of each service equipment based on the terminal position information; when the service equipment identifier is detected to be consistent with the pre-stored service equipment identifier, a user information acquisition instruction is sent to service processing equipment corresponding to the service equipment identifier, and user identity information returned by the service processing equipment based on the user information acquisition instruction is obtained; and after the identity verification is successful, sending a service processing instruction to the service processing equipment based on the service identifier to be processed, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal. By adopting the method, the safety of financial business processing can be improved.

Description

Financial business processing method, device, computer equipment and storage medium
Technical Field
The present invention relates to the field of internet technologies, and in particular, to a financial service processing method, apparatus, computer device, storage medium, and computer program product.
Background
In the existing financial deposit business processing process, for example, the processing of deposit and withdrawal business, a user is required to use entity resources such as a bank card or an identity card to conduct business handling at a counter. However, when a user uses entity resources such as a bank card or an identity card to transact business, the situation of user information leakage caused by losing the entity resources such as the bank card or the identity card is easy to occur, and the problem of low safety of the user in processing financial business is further caused.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a financial transaction processing method, apparatus, computer device, computer readable storage medium, and computer program product that can avoid using physical resources to perform financial transaction processing and improve the security of financial transaction processing.
In a first aspect, the present application provides a financial transaction processing method. The method comprises the following steps:
acquiring a service processing request sent by a terminal, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed;
Acquiring position information of each service device, determining position information of target service devices in the position information of each service device based on the position information of the terminal, and acquiring a pre-stored service device identifier corresponding to the position information of the target service devices;
when the service equipment identifier is detected to be consistent with the pre-stored service equipment identifier, a user information acquisition instruction is sent to service processing equipment corresponding to the service equipment identifier, and user identity information returned by the service processing equipment based on the user information acquisition instruction is obtained;
and after the identity verification is successful, sending a service processing instruction to the service processing equipment based on the service identifier to be processed, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal.
In a second aspect, the present application further provides a financial service processing apparatus. The device comprises:
the request acquisition module is used for acquiring a service processing request sent by the terminal, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed;
the position determining module is used for acquiring the position information of each service device, determining the position information of the target service device in the position information of each service device based on the terminal position information, and acquiring a pre-stored service device identifier corresponding to the position information of the target service device;
The detection module is used for sending a user information acquisition instruction to service processing equipment corresponding to the service equipment identifier when detecting that the service equipment identifier is consistent with the pre-stored service equipment identifier, and acquiring user identity information returned by the service processing equipment based on the user information acquisition instruction;
and the service processing module is used for carrying out identity verification on the user identity information, sending a service processing instruction to the service processing equipment based on the service identifier to be processed after the identity verification is successful, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal.
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:
acquiring a service processing request sent by a terminal, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed;
acquiring position information of each service device, determining position information of target service devices in the position information of each service device based on the position information of the terminal, and acquiring a pre-stored service device identifier corresponding to the position information of the target service devices;
When the service equipment identifier is detected to be consistent with the pre-stored service equipment identifier, a user information acquisition instruction is sent to service processing equipment corresponding to the service equipment identifier, and user identity information returned by the service processing equipment based on the user information acquisition instruction is obtained;
and after the identity verification is successful, sending a service processing instruction to the service processing equipment based on the service identifier to be processed, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal.
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:
acquiring a service processing request sent by a terminal, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed;
acquiring position information of each service device, determining position information of target service devices in the position information of each service device based on the position information of the terminal, and acquiring a pre-stored service device identifier corresponding to the position information of the target service devices;
When the service equipment identifier is detected to be consistent with the pre-stored service equipment identifier, a user information acquisition instruction is sent to service processing equipment corresponding to the service equipment identifier, and user identity information returned by the service processing equipment based on the user information acquisition instruction is obtained;
and after the identity verification is successful, sending a service processing instruction to the service processing equipment based on the service identifier to be processed, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal.
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:
acquiring a service processing request sent by a terminal, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed;
acquiring position information of each service device, determining position information of target service devices in the position information of each service device based on the position information of the terminal, and acquiring a pre-stored service device identifier corresponding to the position information of the target service devices;
when the service equipment identifier is detected to be consistent with the pre-stored service equipment identifier, a user information acquisition instruction is sent to service processing equipment corresponding to the service equipment identifier, and user identity information returned by the service processing equipment based on the user information acquisition instruction is obtained;
And after the identity verification is successful, sending a service processing instruction to the service processing equipment based on the service identifier to be processed, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal.
According to the financial service processing method, the financial service processing device, the financial service processing computer device, the financial service processing storage medium and the financial service processing computer program product, the consistency of the terminal position and the target service position information can be ensured by determining the target service position information in the position information of each service device according to the terminal position information. And then, when the service equipment identifier is detected to be consistent with the prestored service equipment identifier corresponding to the target service equipment position information, the accuracy of equipment for carrying out service processing is ensured, and then, the service processing equipment accurately collects the user identity information, so that the authenticity of the user identity information is ensured. And then, carrying out identity verification on the user identity information, and informing the service processing equipment to carry out financial service processing after the identity verification is successful, so that the problem of user information leakage caused by using entity resources to carry out financial service processing can be avoided, and the safety of financial service processing is improved.
Drawings
FIG. 1 is a diagram of an application environment of a financial transaction processing method in one embodiment;
FIG. 2 is a flow chart of a financial transaction processing method according to one embodiment;
FIG. 3 is a flowchart illustrating steps of a method for processing financial transactions according to one embodiment;
FIG. 4 is a block diagram of a financial transaction processing device in one embodiment;
FIG. 5 is an internal block diagram of a computer device in one embodiment;
fig. 6 is an internal structural view of a computer device in another embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
The financial service processing method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via 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 acquires a service processing request sent by the terminal 102, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed; the server 104 obtains the position information of each service device, determines the position information of the target service device in the position information of each service device based on the position information of the terminal, and obtains the pre-stored service device identification corresponding to the position information of the target service device; when the server 104 detects that the service equipment identifier is consistent with the pre-stored service equipment identifier, a user information acquisition instruction is sent to the service processing equipment 106 corresponding to the service equipment identifier, and user identity information returned by the service processing equipment 106 based on the user information acquisition instruction is obtained; the server 104 performs identity verification on the user identity information, and after the identity verification is successful, sends a service processing instruction to the service processing device 106 based on the service identifier to be processed, acquires a service processing result returned by the service processing device 106 based on the service processing instruction, and sends the service processing result to the terminal 102. The terminal 102 may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers. The server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers. The server 104 communicates with the transaction processing device 106 via a network, and the transaction processing device 106 may be a device that performs financial transaction processing, such as a depositing and withdrawing device, a financial transaction device, and the like.
In one embodiment, as shown in fig. 2, a financial service processing method is provided, and the method is applied to the server in fig. 1 for illustration, and includes the following steps:
step 202, a service processing request sent by a terminal is obtained, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed.
The terminal position information refers to geographical position information of the terminal at present. The service equipment identifier refers to the identifier of equipment which can perform service processing and is input by a user. The service identification to be processed refers to the service identification that the user needs to process.
Specifically, the user may trigger the service processing device within a preset contact range by using the terminal, for example, the terminal triggers the service processing device through near field communication, or the terminal scans a two-dimensional code on the service processing device to trigger the service processing device, and so on. After triggering the service processing equipment, the terminal receives a service processing preparation page sent to the terminal by the server, and the terminal acquires the service equipment identifier and the service identifier to be processed which are input by the user through the service processing preparation page.
The terminal can also identify the service equipment identifier corresponding to the service processing equipment after triggering the service processing equipment, and receive each candidate service identifier sent by the server, and the terminal obtains the service identifier to be processed determined by the user in each candidate service identifier. The terminal obtains the terminal position information through a built-in positioning system, and generates a service processing request according to the terminal position information, the service equipment identifier and the service identifier to be processed. The server acquires a service processing request sent by the terminal.
Step 204, obtaining the position information of each service device, determining the position information of the target service device in the position information of each service device based on the position information of the terminal, and obtaining the pre-stored service device identifier corresponding to the position information of the target service device.
The service equipment position information refers to pre-stored geographic position information of each service processing equipment. The target service device location information refers to location information of a service processing device being used by the user. The pre-stored service equipment identification refers to a pre-stored identification corresponding to the service processing equipment.
Specifically, the server receives a service processing request sent by the terminal, acquires preset position information of each service device, matches the position information of the terminal with the position information of each service device, takes the position information of the service device with the highest matching degree as position information of the target service device, and represents that the position information of the target service device is closest to the position information of the terminal. The server can also calculate a terminal position range corresponding to the terminal position information, determine the service equipment position information in the terminal position range as target service equipment position information, and acquire a pre-stored service equipment identifier corresponding to the target service equipment position information.
And 206, when the service equipment identifier is detected to be consistent with the pre-stored service equipment identifier, sending a user information acquisition instruction to service processing equipment corresponding to the service equipment identifier, and acquiring user identity information returned by the service processing equipment based on the user information acquisition instruction.
Specifically, the server compares the service equipment identifier with a pre-stored service equipment identifier, generates a user information acquisition instruction when detecting that the service equipment identifier is consistent with the pre-stored service equipment identifier, and sends the user information acquisition instruction to service processing equipment corresponding to the service equipment identifier. The service processing equipment responds to the user information acquisition instruction and invokes the sensor equipment to acquire user identity information, wherein the user identity information refers to information containing the biological characteristics of the user, such as user images, user fingerprint information and the like. And the server acquires the user identity information returned by the service processing equipment.
And step 208, carrying out identity verification on the user identity information, and after the identity verification is successful, sending a service processing instruction to the service processing equipment based on the service identifier to be processed, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal.
Specifically, the service area performs identity verification on the user identity information, which may be that the user identity information is input into an identity recognition model to obtain a user identity verification result. Or the user identity information is matched with the user identity information in the pre-stored information database, and the user identity verification result is determined according to the matching result. And after the user authentication is successful, generating a service processing instruction according to the service identifier to be processed, and sending the service processing instruction to service processing equipment, wherein the service processing equipment responds to the service processing instruction to perform service processing, so as to obtain a service processing result. The server obtains a service processing result returned by the service processing equipment and sends the service processing result to the terminal for display.
In the financial service processing method, the consistency of the terminal position and the target device position information can be ensured by determining the target service device position information in the position information of each service device according to the terminal position information. And then, when the service equipment identifier is detected to be consistent with the prestored service equipment identifier corresponding to the target service equipment position information, the accuracy of equipment for carrying out service processing is ensured, and then, the service processing equipment accurately collects the user identity information, so that the authenticity of the user identity information is ensured. And then, carrying out identity verification on the user identity information, and informing the service processing equipment to carry out financial service processing after the identity verification is successful, so that the problem of user information leakage caused by using entity resources to carry out financial service processing can be avoided, and the safety of financial service processing is improved.
In one embodiment, the service processing request further includes a user identification; step 208, the step of performing identity verification on the user identity information includes:
acquiring associated pre-stored user identity information based on the user identification, extracting pre-stored user identity characteristics corresponding to the pre-stored user identity information, and extracting user identity characteristics based on the user identity information;
and comparing the user identity characteristics with the pre-stored user identity characteristics, and determining that the identity verification is successful after the user identity characteristics are successfully compared.
Specifically, a user information database is preset in the server and is used for storing user identification and associated user identity information. The server obtains the user identification in the service processing request, and searches the associated pre-stored user identity information in the user information database according to the user identification. The pre-stored user identity information refers to pre-stored information which can characterize the user identity. The user identification is, for example, a mobile phone number, a user name, etc.
And then the server extracts the pre-stored user identity characteristics in the pre-stored user identity information and extracts the user identity characteristics in the user identity information. And then the server compares the pre-stored user identity characteristics with the user identity characteristics, and after the comparison is successful, the authentication is determined to be successful. The server can input the pre-stored user identity information and the user identity information into the identity verification model, and the identity verification model is used for extracting pre-stored user identity characteristics and user identity characteristics to carry out identity verification, so that an identity verification result is obtained.
In a specific embodiment, the pre-stored user identity information may be a user face image, user fingerprint information, user voiceprint information, and the like. The server is preset with authentication levels corresponding to the service categories, for example, the authentication level corresponding to the service category to which the financial service identifier belongs, the authentication level corresponding to the service category to which the deposit and withdrawal service identifier belongs, and the authentication level corresponding to the service category to which the transfer service identifier belongs. Different authentication levels use different user identity information to perform authentication, for example, the authentication level corresponding to the service class to which the deposit and withdrawal service identifier belongs needs to use a user face image and user fingerprint information to perform authentication. The identity verification level corresponding to the service category to which the financial service identifier belongs needs to be used for identity verification by using the face image of the user and voiceprint information of the user.
The server determines the corresponding identity verification level according to the category of the service identifier to be processed in the service processing request, generates a corresponding user information acquisition instruction according to the identity verification level, and sends the user information acquisition instruction to the service processing equipment to acquire the user identity information returned by the service processing equipment.
In this embodiment, the pre-stored user identity feature corresponding to the pre-stored user identity information and the user identity feature corresponding to the user identity information are extracted, the user identity feature and the pre-stored user identity feature are compared, and the user identity verification result is confirmed according to the comparison result, so that the safety of user service processing is ensured.
In one embodiment, as shown in fig. 3, step 208, sending a service processing instruction to a service processing device based on the service identifier to be processed, and obtaining a service processing result returned by the service processing device based on the service processing instruction includes:
step 302, acquiring historical service information corresponding to a user identity based on a service identity to be processed, generating a service processing page based on the historical service information, and sending the service processing page to a terminal;
step 304, acquiring service processing information returned by the terminal based on the service processing page, generating a service processing instruction based on the service processing information, and sending the service processing instruction to service processing equipment for service processing;
and 306, acquiring a service processing result returned by the service processing equipment, and updating the historical service information based on the service processing result to obtain updated service information.
The historical service information refers to service information after the user performs service processing in historical time. The service processing page refers to a page for acquiring user service processing requirement information. The service processing information refers to service processing requirement information input by a user.
Specifically, the server obtains historical service information corresponding to the user identifier according to the service identifier to be processed, generates a service processing page according to the historical service information, and sends the service processing page to the terminal. The terminal acquires the business processing information input by the user through the business processing page, and returns the business processing information to the server. And the server generates service processing confirmation information according to the service processing information, sends the service processing confirmation information to the terminal, and acquires a service processing confirmation result returned by the terminal.
And then the server generates a service processing instruction according to the service processing information, the service processing instruction is sent to the service processing equipment, and the service processing equipment responds to the service processing instruction to process the historical service information so as to obtain a service processing result. The server receives a service processing result returned by the service processing device, and updates the historical service information according to the service processing result to obtain updated service information.
In one particular embodiment, the service identification to be processed is, for example, a withdrawal service identification. The server obtains historical service information corresponding to the user identifier according to the withdrawal service identifier, wherein the historical service information can be deposit balance information of the user. The server generates a withdrawal page according to the balance information stored by the user, sends the withdrawal page to the terminal, and the terminal acquires withdrawal processing information input by the user through the withdrawal page, including withdrawal amount.
The server obtains the withdrawal processing information sent by the terminal, generates a withdrawal processing instruction according to the withdrawal amount in the withdrawal processing information, and sends the withdrawal processing instruction to the service processing equipment, wherein the service processing equipment can be a cash dispenser. The cash dispenser is used for placing cash corresponding to the withdrawal amount in response to the withdrawal processing instruction. When the money withdrawing processing information further comprises currency information, the cash dispenser calculates the withdrawal amount according to the currency information to obtain target withdrawal amount, the cash dispenser places cash of the target withdrawal amount corresponding to the currency information, generates a withdrawal processing result and sends the withdrawal processing result to the server. And the server sends the withdrawal processing result to the terminal to carry out withdrawal prompt so as to enable the user to take out cash, and meanwhile, the server updates the balance information of the user according to the withdrawal amount to obtain updated balance information of the user.
In the embodiment, the service processing page is generated according to the historical service information, and the service processing instruction is generated according to the service processing information returned by the terminal, so that the service execution equipment responds to the service processing instruction to perform service processing, and the accuracy of service processing is ensured.
In one embodiment, step 204, determining the target service device location information in the respective service device location information based on the terminal location information includes:
respectively calculating the position distance between the position information of the terminal and the position information of each service device to obtain the position distance corresponding to the position information of each service device;
and determining the position information of the target service equipment corresponding to the target position distance in the position distances corresponding to the position information of the service equipment.
Specifically, the server acquires position information of each service device, calculates position distances between the position information of the terminal and the position information of each service device, obtains position distances corresponding to the position information of each service device, and determines the position information of the service device with the shortest position distance as position information of the target service device.
In this embodiment, by calculating the position distance between the terminal position information and the position information of each service device, the target service processing device with the shortest position distance is determined, so that the unification of the device to be used for service processing and the device being used by the user is ensured, and the security of service processing by the user using the device is protected.
In one embodiment, step 206, sending a user information acquisition instruction to a service processing device corresponding to the service device identifier includes:
sending a target area image acquisition instruction to service processing equipment corresponding to the service equipment identifier so that the service processing equipment acquires images of the target area through the image acquisition equipment;
and acquiring a target area image returned by the service processing equipment, detecting a user object based on the target area image, and sending a user information acquisition instruction to the service processing equipment corresponding to the service equipment identifier when the user object exists in the target area image.
Specifically, when the server detects that the service equipment identifier is consistent with the pre-stored service equipment identifier, a target area image acquisition instruction is sent to service processing equipment corresponding to the service equipment identifier, the service processing equipment responds to the target area image acquisition instruction to call the image acquisition equipment, the image acquisition equipment is used for acquiring an image of a target area, and the target area is an area in front of the service processing equipment, for example, an area where a user is appointed to perform service processing.
The server acquires a target area image returned by the service processing equipment, and detects a user object on the target area image. When the user object exists in the target area image, the user is characterized to be using the service processing equipment corresponding to the service equipment identifier, and the server sends a user information acquisition instruction to the service processing equipment corresponding to the service equipment identifier. When the fact that the user object does not exist in the target area image is detected, the fact that the user does not use the service processing equipment corresponding to the service equipment identifier is indicated, and the server generates equipment confirmation information. The server sends the equipment confirmation information to the terminal so as to prompt the user to search the service processing equipment corresponding to the service identifier for use and user identity information acquisition.
In this embodiment, by collecting the target area image of the service processing device, user object detection is performed on the target area image, so that unification of the device to be subjected to service processing and the device being used by the user is ensured, and thus the security of service processing performed by the user using the device is protected.
In one embodiment, the pre-stored service device identification includes at least two; the financial business processing method further comprises the following steps:
when detecting that the service equipment identifier is inconsistent with at least two pre-stored service equipment identifiers, generating error information of the service equipment identifiers;
acquiring equipment operation states of service processing equipment corresponding to at least two pre-stored service equipment identifiers, determining target service processing equipment corresponding to equipment idle states in the equipment operation states, and acquiring target service equipment identifiers corresponding to the target service processing equipment;
and generating idle equipment notification information based on the equipment identification error information and the target service equipment identification, and sending the idle equipment notification information to the terminal.
Specifically, when the server detects that the predicted service equipment identifiers comprise at least two service equipment identifiers and the service equipment identifiers are inconsistent with at least two pre-stored service equipment identifiers, the server indicates that at least two service processing equipment exist near the terminal and inputs the wrong service equipment identifiers, and then the server generates service identifier error information.
And then the server acquires the equipment running states of the service processing equipment corresponding to the at least two pre-stored service equipment identifiers, searches the idle-state target service processing equipment in the equipment running states of the service processing equipment, and acquires the target service equipment identifier corresponding to the target service processing equipment. The server generates idle equipment notification information according to the equipment identification error information and the target service equipment identification, and sends the idle equipment notification information to the terminal so as to prompt a user to input the wrong service identification equipment and suggest the user to search idle service processing equipment according to the target service equipment identification for use.
In this embodiment, when it is detected that the service device identifier is inconsistent with at least two pre-stored service device identifiers, error information of the service device identifier is generated, and an idle state target service processing device is determined according to the device running states of the service processing devices corresponding to the pre-stored service device identifiers, and idle device notification information is generated according to the error information of the device identifier and the target service device identifier and sent to the terminal, so that a user determines that the service device can be used, thereby improving financial service processing efficiency.
In a specific embodiment, the financial service processing method can be applied to a money withdrawing service scene based on 5G (fifth generation mobile communication technology) information, and is implemented through a 5G financial service processing system, and the 5G financial service processing system is deployed on a server. The 5G financial business processing system comprises an identity verification module, a 5G message module, a banking system and business processing equipment.
The identity verification module is used for carrying out user identity verification. The 5G message module is used for processing information and packaging the information sent to the terminal into a 5G message. The banking system is used for storing the service information and managing the service processing device. The service processing equipment is used for carrying out service processing according to the service information. In this embodiment, the service processing device is a cash dispenser, and the service processing is cash withdrawal service processing.
The user terminal sends a withdrawal request to the identity verification module, wherein the withdrawal request comprises terminal position information, a cash dispenser identifier and a withdrawal service identifier. The identity verification module acquires the position information of each cash dispenser, determines the position information of a target cash dispenser in the position information of each cash dispenser according to the position information of the terminal, and acquires a prestored cash dispenser identification corresponding to the position information of the target cash dispenser. When the identity verification module detects that the ATM identification is consistent with the pre-stored ATM identification, a user information acquisition instruction is sent to the ATM corresponding to the ATM identification, and user identity information returned by the ATM is obtained. The identity verification module performs identity verification on the user identity information, acquires user account information corresponding to the user identifier after the success of the identity verification is detected, acquires user deposit balance information corresponding to the user identifier from the banking system according to the account information, and sends the user storage balance information to the 5G message module.
The 5G message module edits the 5G form withdrawal page according to the user stored balance information, sends the 5G form withdrawal page to the user terminal, and receives the user withdrawal information and withdrawal requirement information returned by the user terminal. And the 5G message module edits the withdrawal confirmation information in a 5G form according to the withdrawal information and the withdrawal request information of the user, sends the withdrawal confirmation information in the 5G form to the user terminal for confirmation, and acquires a withdrawal confirmation result returned by the user terminal. And the 5G message module sends the user withdrawal information, the withdrawal request information and the withdrawal confirmation result to the bank system so that the bank system manages the cash dispenser to execute the withdrawal service according to the user withdrawal information and the withdrawal request information, and the user withdraws on the cash dispenser. And the cash dispenser detects that the user withdraws and generates a withdrawal result, and sends the withdrawal result to the banking system.
The bank system updates the balance information stored by the user according to the withdrawal result to obtain an updated user balance, the updated user balance is sent to the 5G message module, the 5G message module edits the updated user balance into a 5G-type updated user balance, and the 5G-type updated user balance is sent to the user terminal for display.
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 a financial service processing device for realizing the above related financial service 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 financial service processing device provided below may refer to the limitation of the financial service processing method hereinabove, and will not be repeated herein.
In one embodiment, as shown in fig. 4, there is provided a financial transaction processing apparatus 400 comprising: a request acquisition module 402, a location determination module 404, a detection module 406, and a traffic processing module 408, wherein:
a request acquisition module 402, configured to acquire a service processing request sent by a terminal, where the service processing request carries terminal location information, a service device identifier, and a service identifier to be processed;
the location determining module 404 is configured to obtain location information of each service device, determine location information of a target service device in the location information of each service device based on the location information of the terminal, and obtain a pre-stored service device identifier corresponding to the location information of the target service device;
the detection module 406 is configured to send a user information acquisition instruction to a service processing device corresponding to the service device identifier when detecting that the service device identifier is consistent with the pre-stored service device identifier, and obtain user identity information returned by the service processing device based on the user information acquisition instruction;
the service processing module 408 is configured to perform identity verification on the user identity information, and after the identity verification is successful, send a service processing instruction to the service processing device based on the to-be-processed service identifier, obtain a service processing result returned by the service processing device based on the service processing instruction, and send the service processing result to the terminal.
In one embodiment, the business processing module 408 comprises:
the identity verification unit is used for acquiring the associated pre-stored user identity information based on the user identification, extracting pre-stored user identity characteristics corresponding to the pre-stored user identity information, and extracting user identity characteristics based on the user identity information; and comparing the user identity characteristics with the pre-stored user identity characteristics, and determining that the identity verification is successful after the user identity characteristics are successfully compared.
In one embodiment, the business processing module 408 comprises:
the page generation unit is used for acquiring historical service information corresponding to the user identity based on the service identity to be processed, generating a service processing page based on the historical service information and sending the service processing page to the terminal; acquiring service processing information returned by a terminal based on a service processing page, generating a service processing instruction based on the service processing information, and sending the service processing instruction to service processing equipment for service processing; and acquiring a service processing result returned by the service processing equipment, and updating the historical service information based on the service processing result to obtain updated service information.
In one embodiment, the location determination module 404 includes:
the position calculating unit is used for calculating the position distance between the position information of the terminal and the position information of each service device respectively to obtain the position distance corresponding to the position information of each service device; and determining the position information of the target service equipment corresponding to the target position distance in the position distances corresponding to the position information of the service equipment.
In one embodiment, the detection module 406 includes:
the information acquisition unit is used for sending a target area image acquisition instruction to the service processing equipment corresponding to the service equipment identifier so that the service processing equipment can acquire images of the target area through the image acquisition equipment; and acquiring a target area image returned by the service processing equipment, detecting a user object based on the target area image, and sending a user information acquisition instruction to the service processing equipment corresponding to the service equipment identifier when the user object exists in the target area image.
In one embodiment, the financial transaction processing apparatus 400 further comprises:
the state detection unit is used for generating service equipment identification error information when detecting that the service equipment identification is inconsistent with at least two pre-stored service equipment identifications; acquiring equipment operation states of service processing equipment corresponding to at least two pre-stored service equipment identifiers, determining target service processing equipment corresponding to equipment idle states in the equipment operation states, and acquiring target service equipment identifiers corresponding to the target service processing equipment; and generating idle equipment notification information based on the equipment identification error information and the target service equipment identification, and sending the idle equipment notification information to the terminal.
The above-described respective modules in the financial service processing apparatus may be implemented in whole or in part by software, hardware, or 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, the internal structure of which may be as shown in fig. 5. 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 business equipment position information and the like. 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 when executed by a processor implements a financial transaction processing method.
In one embodiment, a computer device is provided, which may be a terminal, and the internal structure of which may be as shown in fig. 6. 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 when executed by a processor implements a financial transaction 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 those skilled in the art that the structures shown in fig. 5-6 are block diagrams of only some of the structures associated with the present application and are not intended to limit the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine 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.) referred to in 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 are required to comply with the related laws and regulations and standards of the related countries and regions.
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 the various 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 various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being 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 above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims (10)

1. A method of financial transaction processing, the method comprising:
acquiring a service processing request sent by a terminal, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed;
acquiring position information of each service device, determining position information of a target service device in the position information of each service device based on the position information of the terminal, and acquiring a pre-stored service device identifier corresponding to the position information of the target service device;
When the service equipment identifier is detected to be consistent with the pre-stored service equipment identifier, a user information acquisition instruction is sent to service processing equipment corresponding to the service equipment identifier, and user identity information returned by the service processing equipment based on the user information acquisition instruction is obtained;
and after the identity verification is successful, sending a service processing instruction to the service processing equipment based on the service identifier to be processed, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal.
2. The method of claim 1, wherein the service processing request further comprises a user identification; the step of performing identity verification on the user identity information comprises the following steps:
acquiring associated pre-stored user identity information based on the user identification, extracting pre-stored user identity characteristics corresponding to the pre-stored user identity information, and extracting user identity characteristics based on the user identity information;
and comparing the user identity characteristics with the pre-stored user identity characteristics, and determining that the identity verification is successful after the user identity characteristics are successfully compared.
3. The method according to claim 1, wherein the sending a service processing instruction to the service processing device based on the service identifier to be processed, and obtaining a service processing result returned by the service processing device based on the service processing instruction, includes:
acquiring historical service information corresponding to the user identity based on the service identity to be processed, generating a service processing page based on the historical service information, and sending the service processing page to the terminal;
acquiring service processing information returned by the terminal based on the service processing page, generating a service processing instruction based on the service processing information, and sending the service processing instruction to the service processing equipment for service processing;
and acquiring a service processing result returned by the service processing equipment, and updating the historical service information based on the service processing result to obtain updated service information.
4. The method of claim 1, wherein said determining target service device location information among the respective service device location information based on the terminal location information comprises:
respectively calculating the position distance between the terminal position information and the position information of each service device to obtain the position distance corresponding to the position information of each service device;
And determining the position information of the target service equipment corresponding to the target position distance in the position distances corresponding to the position information of the service equipment.
5. The method of claim 1, wherein the sending the user information collection instruction to the service processing device corresponding to the service device identifier includes:
sending a target area image acquisition instruction to service processing equipment corresponding to the service equipment identifier so that the service processing equipment acquires images of a target area through the image acquisition equipment;
and acquiring a target area image returned by the service processing equipment, detecting a user object based on the target area image, and sending a user information acquisition instruction to the service processing equipment corresponding to the service equipment identifier when the user object exists in the target area image.
6. The method of claim 1, wherein the pre-stored service device identification comprises at least two; the method further comprises the steps of:
generating service equipment identification error information when the service equipment identification is detected to be inconsistent with the at least two pre-stored service equipment identifications;
acquiring equipment operation states of the service processing equipment corresponding to the at least two pre-stored service equipment identifiers, determining target service processing equipment corresponding to the equipment idle state in the equipment operation states, and acquiring target service equipment identifiers corresponding to the target service processing equipment;
And generating idle equipment notification information based on the equipment identification error information and the target service equipment identification, and sending the idle equipment notification information to the terminal.
7. A financial transaction processing device, the device comprising:
the request acquisition module is used for acquiring a service processing request sent by the terminal, wherein the service processing request carries terminal position information, a service equipment identifier and a service identifier to be processed;
the position determining module is used for acquiring the position information of each service device, determining the position information of a target service device in the position information of each service device based on the position information of the terminal, and acquiring a pre-stored service device identifier corresponding to the position information of the target service device;
the detection module is used for sending a user information acquisition instruction to service processing equipment corresponding to the service equipment identifier when the service equipment identifier is detected to be consistent with the pre-stored service equipment identifier, and acquiring user identity information returned by the service processing equipment based on the user information acquisition instruction;
and the service processing module is used for carrying out identity verification on the user identity information, sending a service processing instruction to the service processing equipment based on the service identifier to be processed after the identity verification is successful, acquiring a service processing result returned by the service processing equipment based on the service processing instruction, and sending the service processing result to the terminal.
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.
CN202311255897.8A 2023-09-26 2023-09-26 Financial business processing method, device, computer equipment and storage medium Pending CN117437012A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN202311255897.8A CN117437012A (en) 2023-09-26 2023-09-26 Financial business processing method, device, computer equipment and storage medium

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN202311255897.8A CN117437012A (en) 2023-09-26 2023-09-26 Financial business processing method, device, computer equipment and storage medium

Publications (1)

Publication Number Publication Date
CN117437012A true CN117437012A (en) 2024-01-23

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Country Status (1)

Country Link
CN (1) CN117437012A (en)

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