Data processing method, system, electronic device, medium and program product

Abstract

The application discloses a data processing method, system, electronic equipment, medium and program product. The method is applied to a data processing system, and the data processing system comprises a standard interface. The method comprises the following steps: receiving, by the standard interface, a to-be-handled service request sent by a client; the to-be-handled service request comprises a to-be-handled service and user information of a user sending the to-be-handled service request; querying, based on the user information, belonging information of a bank card of a user corresponding to the client by using the standard interface; in the case that the belonging information of the bank card meets preset conditions, receiving, based on the standard interface, identity verification information sent by the client, encrypting the identity verification information, and verifying the encrypted identity verification information; the preset conditions are that an issuer of the bank card is a current handling bank; and in the case that it is determined that the encrypted identity verification information is verified, handling the to-be-handled service. The effect of efficiently handling the service is achieved.

Description

Technical Field

[0001] This application relates to the field of big data technology, specifically to a data processing method, system, electronic device, medium, and program product. Background Technology

[0002] Currently, most of the company's bank card business processes are offline, requiring advance appointments at the bank and a second processing step, or going directly to the bank lobby with the necessary documents and signing relevant paperwork under the guidance of a bank account manager. For example, before processing collection services (such as direct debit for utility bills) at a receiving unit, the bank needs to obtain authorization from the payer, agreeing that the bank can transfer designated funds from the payer's account to the receiving unit according to the receiving unit's instructions. Users need to make appointments at the branch. The overall process is lengthy, redundant, and wastes a significant amount of the user's time. Summary of the Invention

[0003] The purpose of this application is to provide a data processing method, system, electronic device, medium, and program product to achieve efficient business processing.

[0004] The technical solution of this application is as follows:

[0005] In a first aspect, a data processing method is provided, the method being applied to a data processing system, the data processing system including: a standard interface;

[0006] The method includes:

[0007] The system receives pending service requests from clients based on the standard interface; the pending service request includes the pending service and the user information of the user sending the pending service request.

[0008] Based on the user information, the bank card ownership information of the user corresponding to the client is queried using the standard interface;

[0009] If the ownership information of the bank card meets the preset conditions, the authentication information sent by the client is received based on the standard interface; wherein, the preset condition is that the issuer of the bank card is the bank currently handling the transaction.

[0010] The authentication information is encrypted, and the encrypted authentication information is then verified.

[0011] If the encrypted identity verification information is verified successfully, the pending business will be processed.

[0012] In a second aspect, a data processing apparatus is provided, the apparatus being applied to a data processing system, the data processing system including: a standard interface;

[0013] The device includes:

[0014] The first receiving module is used to receive pending service requests sent by the client based on the standard interface; the pending service request includes the pending service and the user information of the user sending the pending service request;

[0015] The query module is used to query the ownership information of the bank card of the user corresponding to the client based on the user information and using the standard interface;

[0016] The second receiving module is used to receive authentication information sent by the client based on the standard interface when the ownership information of the bank card meets the preset conditions; wherein, the preset conditions are that the issuer of the bank card is the bank currently handling the transaction.

[0017] The verification module is used to encrypt the authentication information and verify the encrypted authentication information.

[0018] The business processing module is used to process the pending business if the encrypted identity verification information is verified successfully.

[0019] Thirdly, embodiments of this application provide an electronic device, which includes a processor, a memory, and a program or instructions stored in the memory and executable on the processor. When the program or instructions are executed by the processor, they implement the steps of any of the data processing methods described in the embodiments of this application.

[0020] Fourthly, embodiments of this application provide a readable storage medium on which a program or instructions are stored, and when the program or instructions are executed by a processor, they implement the steps of any of the data processing methods described in embodiments of this application.

[0021] Fifthly, embodiments of this application provide a computer program product, wherein instructions in the computer program product, when executed by a processor of an electronic device, enable the electronic device to perform the steps of any of the data processing methods described in embodiments of this application.

[0022] The technical solutions provided by the embodiments of this application bring at least the following beneficial effects:

[0023] The data processing method provided in this application embodiment can be applied to a data processing system. This data processing system may include a standard interface. Based on the pending business request sent by the client received through the standard interface, the system queries the bank card ownership information of the user corresponding to the client. If the bank card ownership information meets preset conditions, the system receives the identity verification information sent by the client through the standard interface, encrypts the identity verification information, and verifies the encrypted identity verification information. If the encrypted identity verification information is verified successfully, the pending business in the pending business request is processed. This eliminates the need for users to repeatedly visit the service hall offline, saving users time and improving the efficiency of business processing.

[0024] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and do not limit this application. Attached Figure Description

[0025] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application, and do not constitute an undue limitation of this application.

[0026] Figure 1 This is one of the flowcharts illustrating a data processing method provided in the first aspect of this application;

[0027] Figure 2 This is a second schematic flowchart of a data processing method provided in the first aspect of this application;

[0028] Figure 3 This is a schematic diagram of the structure of a data processing apparatus provided in the second aspect of this application;

[0029] Figure 4 This is a schematic diagram of the structure of an electronic device provided in the third aspect of this application. Detailed Implementation

[0030] To enable those skilled in the art to better understand the technical solutions of this application, the technical solutions in the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. It should be understood that the specific embodiments described herein are merely intended to explain this application and not to limit it. For those skilled in the art, this application can be implemented without some of these specific details. The following description of the embodiments is merely to provide a better understanding of this application by illustrating examples.

[0031] It should be noted that the terms "first," "second," etc., used in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples consistent with some aspects of this application as detailed in the appended claims.

[0032] It should be noted that the acquisition, storage, use, and processing of data in the technical solutions of this application all comply with the relevant provisions of national laws and regulations.

[0033] As described in the background section, existing technologies suffer from long processing times. To address this issue, this application provides a data processing method, system, electronic device, medium, and program product. The data processing method provided in this application can be applied to a data processing system. This system can include a standard interface. Based on the pending business request received from the client via the standard interface, the system queries the bank card ownership information of the user corresponding to the client. If the bank card ownership information meets preset conditions, the system receives authentication information sent by the client via the standard interface, encrypts the authentication information, and verifies the encrypted authentication information. If the encrypted authentication information is verified, the pending business in the pending business request is processed. This eliminates the need for users to repeatedly visit the service hall offline, saving users time and improving the efficiency of business processing.

[0034] The data processing method provided in this application will be described in detail below with reference to the accompanying drawings, through specific embodiments and application scenarios.

[0035] Figure 1 This is a flowchart illustrating a data processing method provided in an embodiment of this application. The data processing method can be applied to a data processing system, which may include a standard interface.

[0036] like Figure 1 As shown, the data processing method provided in this application embodiment may include steps 110-150.

[0037] Step 110: Receive pending business requests from clients using the standard interface.

[0038] A pending service request can be a request to process a service. This pending service request may include the service to be processed and the user information of the user sending the request.

[0039] Pending business can be business that needs to be processed, such as but not limited to authorization business, personal credit certificate, bank card holder certificate, credit card bill settlement certificate, credit card transaction details, personal loan settlement certificate, and personal loan repayment details.

[0040] User information can include the user's name, ID card information, and photo.

[0041] Step 120: Based on user information, query the bank card ownership information of the user corresponding to the client using the standard interface.

[0042] Among them, the bank card ownership information can be which bank opened the account for the user's bank card.

[0043] Step 130: If the bank card ownership information meets the preset conditions, receive the authentication information sent by the client based on the standard interface.

[0044] Among them, the preset conditions can be pre-set conditions. Specifically, the preset conditions here can be that the bank card issuer is the bank that is currently processing the transaction.

[0045] Authentication information can be information sent by the user on the client side that can be used to verify the user's identity, such as the user's photo.

[0046] In one example, if China Construction Bank (CCB) receives a request for a pending transaction from a user, CCB can check whether the bank card associated with the transaction belongs to CCB. If it confirms that the card is indeed a CCB card, CCB can obtain the user's identity verification information, such as a photograph.

[0047] Step 140: Encrypt the authentication information and verify the encrypted authentication information.

[0048] In some embodiments of this application, authentication information received from a standard interface can be encrypted using existing encryption methods, and then the encrypted authentication information can be verified.

[0049] In one example, if the authentication information is a photo of the user, then optical character recognition (OCR) can be performed on the user.

[0050] Step 150: If the encrypted identity verification information is verified successfully, proceed with the processing of the application.

[0051] In current business processing, although there are online processing portals, these portals are scattered, complex, and difficult to find. To solve the above problems, in some embodiments of this application, before processing the business to be processed, the data processing method mentioned above may further include:

[0052] Based on the pending transactions, determine the transaction type of the pending transactions;

[0053] Based on the business type and the correspondence between each business type and the processing channel for each business type, the target processing channel for the business to be processed is determined.

[0054] The processing of the pending business may specifically include:

[0055] Send pending transactions to the target processing channel so that the target processing channel can process the pending transactions.

[0056] The business type of the pending business can be the type of business to be processed, such as authorization business or personal loan details inquiry business.

[0057] The target processing channel can be the channel for processing pending business.

[0058] In the embodiments of this application, corresponding processing channels can be pre-set for each type of business. When a business to be processed is received, it can be assigned to the corresponding processing channel according to the business type of the business to be processed. This allows for dedicated processing channels for different businesses to be processed, eliminating the need for users to search for processing entry points and improving the user experience.

[0059] In some embodiments of this application, if the bank card ownership information does not meet the preset conditions, or if the identity verification information fails, the application can return to receive the pending business request sent by the client again based on the standard interface.

[0060] In some embodiments of this application, the above-described data processing method can be applied to an online service integration system. This system can be developed and deployed using a distributed microservice approach, based on the Spring Boot framework, and uses traditional relational databases, non-relational databases such as Redis, etc., to support data access. Symmetric and asymmetric encryption are used to encrypt the data transmitted to the page via the front-end gateway to ensure data security. The data returned by the interface is anonymized, with sensitive information such as user ID numbers and bank card details being anonymized before being returned. Database data is stored encrypted, and the backend uses a timestamp-unique business ID to prevent replay attacks.

[0061] The system can also integrate facial recognition technology to collect and authenticate user information. OCR technology is used to verify the identity information of uploaded agents and legal representatives. It also integrates with the business registration information system to verify the entered company information.

[0062] The system can also encrypt and decrypt all messages of the standard interface, ensuring that data is not intercepted or tampered with during interaction. For example, after a public function is verified and launched in a certain region, the interface data is decrypted and verified according to the agreed encryption method, and the anti-tampering code is checked for consistency. The standard interface provides a complete service list to meet users' requirements for different functions, ensuring that different functions operate independently and without interference.

[0063] This integrated online service system can provide services via standard interfaces on WeChat mini-programs or HTML5 pages. The HTML5 pages support multi-platform integration, such as integration into native Android or iOS applications. During integration, the integrator must meet the verification requirements provided by the integrated online service system to ensure that data and pages are not leaked and could result in losses.

[0064] This integrated online service system also supports customized page styles and functional differentiation for financial service zones across different administrative regions and platforms. The styles of financial service zones launched on various government service hall kiosks are subject to local government policies, and different regions have varying functional preferences for these zones. Therefore, to better promote the financial service zones, the system supports customized page styles and adapted function lists according to customer requirements, ensuring differentiation for financial service zones across different access points.

[0065] This system provides a service framework for financial zones. This framework allows financial zones in different regions to use the same set of financial services, enabling one-time deployment and multi-location use. It eliminates the need for functional development for each region accessing the financial zone. This eliminates the need for additional development and deployment, saving significant implementation and promotion time. It also broadens service channels for government agencies, facilitating better marketing.

[0066] This system also provides integrated online processing for different services. Based on the diversity, differences, and complexity of these services, an integrated online service processing system is proposed. It abstracts away generic security checks, enabling a single check for multiple processing tasks. Through the integration of online services, other services can be accessed while a user is processing a specific service, meeting the user's implicit needs.

[0067] The system's page layout can be customized, and its feature lists can be differentiated. The financial section page can have different themes and services, meeting diverse needs across different regions while increasing user activity. This satisfies customer requirements and promotes the financial section. The feature list can be displayed based on the features preferred by customers, better aligning with their usage habits and improving customer satisfaction.

[0068] This system simplifies the process for users to handle this matter, avoiding the hassle of visiting various branches. Online application and approval are processed in a one-stop manner, meeting customer needs while significantly saving time and improving customer satisfaction.

[0069] The system employs full-text encryption and decryption at its standard interfaces to ensure that data exchange is not intercepted or tampered with. It uses agreed-upon encryption methods to encrypt and decrypt interface data, verifying consistency of the anti-tampering codes to guarantee data transmission security.

[0070] This online service integration system simplifies the process for users, eliminating the hassle of visiting various branches. The one-stop online application and approval process significantly saves time for both users and organizations.

[0071] In some embodiments of this application, the above-described data processing method can be applied to various scenarios, such as authorization business scenarios and personal loan details scenarios. The following uses the authorization business scenario as an example to illustrate the data processing method used in the embodiments of this application:

[0072] If the pending transaction is an authorized transaction, such as Figure 2 As shown, the above data processing method can specifically include steps 201-210:

[0073] Step 201: Receive the authorization service request sent by the client based on the standard interface.

[0074] The authorization request may include: the authorization service to be processed and the user information of the user who sent the authorization request.

[0075] Step 202: Based on user information, query the bank card ownership information of the user corresponding to the client using the standard interface.

[0076] Step 203: If the ownership information of the bank card meets the preset conditions, receive the authentication information sent by the client based on the standard interface.

[0077] Step 240: Encrypt the authentication information and verify the encrypted authentication information.

[0078] Steps 201-204 above are the same as steps 110-140 in the above embodiment, and will not be repeated here.

[0079] Step 205: If the encrypted identity verification information is verified successfully, query at least one contracted authorized service corresponding to the user based on the standard interface.

[0080] Among these, the contract authorization service allows users to query which services they can contract and authorize after verifying their identity information. For example, a user can contract and authorize services such as bill collection for water, electricity, and gas.

[0081] Step 206: If the target contract authorization service has not been contracted or authorized, send the contract authorization information corresponding to the target contract authorization service to the client based on the standard interface, so that the client can perform contract authorization based on the contract authorization information.

[0082] The target contracted authorization business can be at least one of at least one contracted authorization business.

[0083] The contract authorization information can be the authorization information that needs to be filled in for the target contract authorization business.

[0084] In one example, taking the target contracted authorization service as electricity bill collection, if the electricity bill collection is not contracted and authorized, the page data corresponding to the electricity bill collection can be fed back to the customer so that the user can fill in the corresponding contracted authorization information for the electricity bill collection on the page to authorize the electricity bill collection.

[0085] Step 207: The standard interface receives the contract authorization result corresponding to the target contract authorization service sent by the client.

[0086] The signing and authorization result can be whether the target signed and authorized business is authorized. In the embodiments of this application, when the business to be processed is an authorization business, it can be processed through an online channel, thus saving users' repeated offline time, improving the efficiency of authorization business processing, and enhancing the user experience.

[0087] In some embodiments of this application, to further enhance the user experience, after step 205, the data processing method described above further includes:

[0088] Step 208: If the target contract authorization service has been signed and authorized, the standard interface obtains the editing request for the target contract authorization service sent by the client.

[0089] The target contracted authorization business can be at least one of at least one contracted authorization business.

[0090] An edit request can be a request to edit a target contracted and authorized service. For example, it could be a request to change user information (such as changing the mobile phone number), change the bank card (such as changing the bank card number for direct debit), or change the contract authorization result (such as changing the target contracted and authorized service from authorized to unauthorized).

[0091] Step 209: Based on the edit request, edit the contract authorization information corresponding to the target contract authorization business.

[0092] The contract authorization information can be editable information corresponding to the target contract authorization business. For example, it can be user information, bank card information, and contract authorization result information.

[0093] Step 210: Update the contract authorization information for the target contract authorization business.

[0094] After modifying the contract authorization information for the target contract authorization business, the contract authorization information for that target contract authorization business can be updated.

[0095] In the embodiments of this application, when the target contracted authorization service has been contracted and authorized, the contract authorization information of the target contracted authorization service can be edited, which greatly satisfies user needs and improves user experience.

[0096] It should be noted that the data processing method provided in this application embodiment can be executed by a data processing device or a control module in the data processing device for executing the data processing method.

[0097] Based on the same inventive concept as the data processing method described above, this application also provides a data processing apparatus. The following is in conjunction with… Figure 3 The data processing apparatus provided in the embodiments of this application will be described in detail.

[0098] Figure 3 This is a schematic diagram of the structure of a data processing apparatus according to an exemplary embodiment.

[0099] like Figure 3 As shown, the data processing device 300 can be applied to a data processing system, which includes a standard interface;

[0100] The data processing device 300 may include:

[0101] The first receiving module 310 is used to receive a pending service request sent by the client based on the standard interface; the pending service request includes the pending service and the user information of the user who sent the pending service request;

[0102] The query module 320 is used to query the ownership information of the bank card of the user corresponding to the client based on the user information and using the standard interface;

[0103] The second receiving module 330 is used to receive authentication information sent by the client based on the standard interface when the ownership information of the bank card meets the preset conditions; wherein, the preset conditions are that the issuer of the bank card is the bank currently handling the transaction.

[0104] The verification module 340 is used to encrypt the authentication information and verify the encrypted authentication information.

[0105] The business processing module 350 is used to process the pending business if the encrypted identity verification information is verified successfully.

[0106] In the embodiments of this application, the query module queries the bank card ownership information of the user corresponding to the client based on the pending business request received by the receiving module using a standard interface. If the bank card ownership information meets preset conditions, the second receiving module receives the identity verification information sent by the client. The verification module encrypts the identity verification information and verifies the encrypted information. If the business processing module determines that the encrypted identity verification information has passed verification, it processes the pending business in the pending business request. This eliminates the need for users to repeatedly visit the service hall offline, saving users time and improving the efficiency of business processing.

[0107] In some embodiments of this application, in order to solve the problem of scattered, complex, and difficult-to-find online processing entry points, the data processing device mentioned above may further include:

[0108] The first determining module is used to determine the business type of the pending business based on the pending business.

[0109] The second determining module is used to determine the target processing channel for the business to be processed based on the business type and the correspondence between each business type and the processing channel for each business type.

[0110] Specifically, the business processing module 350 can be used to send the pending business to the target processing channel when the identity verification information is verified successfully, so that the target processing channel can process the pending business.

[0111] In some embodiments of this application, the pending service includes authorization services. To improve user experience, the service processing module 350 may specifically include:

[0112] The query unit is used to query at least one contracted authorized service corresponding to the user based on the standard interface;

[0113] A sending unit is configured to send subscription authorization information corresponding to the target subscription authorization service to the client via the standard interface when the target subscription authorization service has not been subscribed and authorized, so that the client can subscribe and authorize based on the subscription authorization information; wherein, the target subscription authorization service is at least one of the at least one subscription authorization service;

[0114] The receiving unit is used to receive the signing and authorization result corresponding to the target signing and authorization service sent by the client based on the standard interface.

[0115] In some embodiments of this application, to improve user experience, the business processing module 350 may further include:

[0116] The acquisition unit is configured to, when the target subscribed and authorized service has been subscribed and authorized, acquire, based on the standard interface, an editing request for the target subscribed and authorized service sent by the client; wherein the target subscribed and authorized service is at least one of the at least one subscribed and authorized services;

[0117] An editing unit is used to edit the contract authorization information corresponding to the target contract authorization service based on the editing request;

[0118] The update unit is used to update the contract authorization information of the target contract authorization service.

[0119] In some embodiments of this application, the data processing apparatus described above may further include:

[0120] The return execution module is used to return to the execution module if the bank card ownership information does not meet the preset conditions or the identity verification information fails to pass the verification. In this case, the module receives the pending business request sent by the client based on the standard interface.

[0121] In some embodiments of this application, the pending business also includes at least: personal credit certificate, bank card holder certificate, credit card bill settlement certificate, credit card transaction details, personal loan settlement certificate, and personal loan repayment details.

[0122] The data processing apparatus provided in this application embodiment can be used to execute the data processing methods provided in the above method embodiments. The implementation principle and technical effect are similar, and for the sake of brevity, they will not be described in detail here.

[0123] Based on the same inventive concept, embodiments of this application also provide an electronic device.

[0124] Figure 4This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. For example... Figure 4 As shown, the electronic device may include a processor 401 and a memory 402 storing computer programs or instructions.

[0125] Specifically, the processor 401 may include a central processing unit (CPU), an application specific integrated circuit (ASIC), or one or more integrated circuits that can be configured to implement the embodiments of the present invention.

[0126] Memory 402 may include mass storage for data or instructions. For example, and not limitingly, memory 402 may include a hard disk drive (HDD), floppy disk drive, flash memory, optical disk, magneto-optical disk, magnetic tape, or Universal Serial Bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 402 may include removable or non-removable (or fixed) media. Where appropriate, memory 402 may be internal or external to the integrated gateway disaster recovery device. In a particular embodiment, memory 402 is non-volatile solid-state memory. Memory may include read-only memory (ROM), random-access memory (RAM), disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical / tangible memory storage devices. Therefore, typically, a memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described in the data processing methods provided in the above embodiments.

[0127] The processor 401 implements any of the data processing methods described in the above embodiments by reading and executing computer program instructions stored in the memory 402.

[0128] In one example, the electronic device may also include a communication interface 403 and a bus 410. For example, Figure 4 As shown, the processor 401, memory 402, and communication interface 403 are connected through bus 410 and complete communication with each other.

[0129] The communication interface 403 is mainly used to realize communication between various modules, devices, units and / or devices in the embodiments of the present invention.

[0130] Bus 410 includes hardware, software, or both, that couples components of an electronic device together. For example, and not limitingly, the bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an Infinite Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local (VLB) bus, or other suitable buses, or combinations of two or more of these. Where appropriate, bus 410 may include one or more buses. While specific buses are described and illustrated in embodiments of the invention, the invention contemplates any suitable bus or interconnect.

[0131] The electronic device can execute the data processing method described in the embodiments of the present invention, thereby achieving... Figure 1 or Figure 2 Describe the data processing methods.

[0132] Furthermore, in conjunction with the data processing methods in the above embodiments, this invention can be implemented using a readable storage medium. This readable storage medium stores program instructions; when these program instructions are executed by a processor, they implement any of the data processing methods described in the above embodiments.

[0133] Furthermore, in conjunction with the data processing methods described in the above embodiments, this invention can be implemented using a computer program product. When the instructions in this computer program product are executed by the processor of an electronic device, the electronic device performs any of the data processing methods described in the above embodiments.

[0134] It should be clarified that the present invention is not limited to the specific configurations and processes described above and shown in the figures. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method process of the present invention is not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications, and additions, or change the order of steps, after understanding the spirit of the present invention.

[0135] The functional blocks shown in the above-described structural diagram can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application-specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of this invention are programs or code segments used to perform the required tasks. The programs or code segments can be stored on a machine-readable medium or transmitted over a transmission medium or communication link via data signals carried in a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, etc. Code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0136] It should also be noted that the exemplary embodiments mentioned in this invention describe methods or systems based on a series of steps or apparatus. However, this invention is not limited to the order of the steps described above; that is, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0137] The aspects of this application have been described above with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this application. It should be understood that each block in the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine such that these instructions, executable via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / actions specified in one or more blocks of the flowchart illustrations and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor, or a field-programmable logic circuit. It is also understood that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can also be implemented by dedicated hardware performing the specified functions or actions, or can be implemented by a combination of dedicated hardware and computer instructions.

[0138] The above description is merely a specific embodiment of the present invention. Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the specific working processes of the systems, modules, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here. It should be understood that the protection scope of the present invention is not limited thereto. Any person skilled in the art can easily conceive of various equivalent modifications or substitutions within the technical scope disclosed in the present invention, and these modifications or substitutions should all be covered within the protection scope of the present invention.

Claims

1. A data processing method, characterized in that, The method is applied to a data processing system, which includes a standard interface; The method includes: The standard interface receives pending service requests sent by the client. The pending service request includes the pending service and the user information of the user sending the pending service request. The standard interface adopts a full message encryption / decryption and anti-tampering code verification mechanism and provides a complete service list. Based on the user information, the bank card ownership information of the user corresponding to the client is queried using the standard interface; If the ownership information of the bank card meets the preset conditions, the authentication information sent by the client is received based on the standard interface; wherein, the preset condition is that the issuer of the bank card is the bank currently handling the transaction. The authentication information is encrypted, and the encrypted authentication information is then verified. If the encrypted authentication information is verified successfully, the business type of the pending business is determined based on the pending business. Based on the business types and the correspondence between each business type and the processing channels for each business type, the target processing channel for the business to be processed is determined. The pending business is sent to the target processing channel so that the target processing channel can process the pending business. The data processing system provides online integrated processing for different services. Once the encrypted identity verification information is verified, there is no need to verify identity again when processing other services, thus achieving one verification for multiple processing. The pending transactions include authorization transactions; Sending the pending service to the target processing channel so that the target processing channel processes the pending service includes: Based on the standard interface, query at least one contracted authorized service corresponding to the user; If the target subscription authorization service is not yet subscribed to, the subscription authorization information corresponding to the target subscription authorization service is sent to the client via the standard interface, so that the client can subscribe to the service based on the subscription authorization information; wherein, the target subscription authorization service is at least one of the at least one subscription authorization service; The client sends the contract authorization result corresponding to the target contract authorization service via the standard interface.

2. The method according to claim 1, characterized in that, After querying at least one subscribed authorized service corresponding to the user based on the standard interface, the method further includes: If the target subscription authorization service has already been subscribed and authorized, the client sends an editing request for the target subscription authorization service based on the standard interface; wherein, the target subscription authorization service is at least one of the at least one subscription authorization service; Based on the edit request, the contract authorization information corresponding to the target contract authorization service is edited; Update the contract authorization information for the target contract authorization business.

3. The method according to any one of claims 1-2, characterized in that, The method further includes: If the bank card ownership information does not meet the preset conditions, or if the identity verification information fails, the system will return to execute the pending business request sent by the client based on the standard interface.

4. The method according to any one of claims 1-2, characterized in that, The pending services also include at least: personal credit certificate, bank card holder certificate, credit card bill settlement certificate, credit card transaction details, personal loan settlement certificate, and personal loan repayment details.

5. A data processing apparatus, characterized in that, The device is applied to a data processing system, the data processing system including: a standard interface; The device includes: The first receiving module is used to receive pending business requests sent by the client based on the standard interface; the pending business request includes the pending business and the user information of the user sending the pending business request; the standard interface adopts a full message encryption and decryption and anti-tamper code verification mechanism; the standard interface provides a complete service list. The query module is used to query the ownership information of the bank card of the user corresponding to the client based on the user information and using the standard interface; The second receiving module is used to receive authentication information sent by the client based on the standard interface when the ownership information of the bank card meets the preset conditions; wherein, the preset conditions are that the issuer of the bank card is the bank currently handling the transaction. The verification module is used to encrypt the authentication information and verify the encrypted authentication information. The first determining module is used to determine the business type of the pending business based on the pending business. The second determining module is used to determine the target processing channel for the business to be processed based on the business type and the correspondence between each business type and the processing channel for each business type. The business processing module is used to send the pending business to the target processing channel so that the target processing channel can process the pending business. The data processing system provides online integrated processing for different services. Once the encrypted identity verification information is verified, there is no need to verify identity again when processing other services, thus achieving one verification for multiple processing. The pending transactions include authorization transactions; The business processing module includes: The query unit is used to query at least one contracted authorized service corresponding to the user based on the standard interface; A sending unit is configured to send subscription authorization information corresponding to the target subscription authorization service to the client via the standard interface when the target subscription authorization service has not been subscribed and authorized, so that the client can subscribe and authorize based on the subscription authorization information; wherein, the target subscription authorization service is at least one of the at least one subscription authorization service; The receiving unit is used to receive the signing and authorization result corresponding to the target signing and authorization service sent by the client based on the standard interface.

6. An electronic device, characterized in that, The electronic device includes: a processor and a memory storing computer program instructions; the processor, when executing the computer program instructions, implements the data processing method as described in any one of claims 1-4.

7. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the data processing method as described in any one of claims 1-4.

8. A computer program product, characterized in that, When the instructions in the computer program product are executed by the processor of the electronic device, the electronic device performs the data processing method as described in any one of claims 1-4.

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