Electronic transaction verification method, device, apparatus and storage medium

Abstract

Embodiments of the present application disclose a kind of electronic transaction verification method, device, equipment and storage medium.Based on transaction request, verification application is sent to transaction party, so that transaction party provides first geographic entity sample according to the verification application;Wherein, the transaction party includes payment party and / or receiving party;The first geographic entity sample is analyzed, and the geographic feature to be verified is obtained;The geographic feature to be verified is compared with standard geographic feature;If the comparison result is that the geographic feature to be verified matches the standard geographic feature, then it is verified.The electronic transaction verification method provided in the embodiments of the present application verifies the legality of transaction party by verifying the geographic feature corresponding to transaction party, to improve the security of transaction.

Description

Technical Field

[0001] The embodiments of the present invention relate to the field of computer technology, and in particular to a method, apparatus, device and storage medium for verifying electronic transactions. Background Technology

[0002] In recent years, cross-border transactions and payments in the financial industry have been increasing, with electronic payment methods being the preferred choice for such transactions. The true intent behind cross-border payments is crucial for national foreign exchange control and for individuals to determine the origin of traded goods. Therefore, verifying the transacting parties is particularly important. Current technologies typically use information such as IP addresses or postmarks for verification; however, IP addresses and postmarks are easily forged, resulting in low reliability of transaction verification. Summary of the Invention

[0003] This invention provides a method, apparatus, device, and storage medium for verifying electronic transactions. By verifying the geographical characteristics of the transacting parties, the legality of the transacting parties is verified, thereby improving the security of the transaction.

[0004] In a first aspect, embodiments of the present invention provide a method for verifying electronic transactions, comprising:

[0005] A verification request is sent to the transacting party based on the transaction request, enabling the transacting party to provide a first geographical entity sample according to the verification request; wherein, the transacting party includes the payer and / or the receiver;

[0006] The first geographic entity sample is analyzed to obtain the geographic features to be verified;

[0007] The geographic features to be verified are compared with standard geographic features;

[0008] If the comparison result shows that the geographic feature to be verified matches the standard geographic feature, then the verification is successful.

[0009] Furthermore, the first geographic entity sample includes at least one of the following: soil, water, and air; the first geographic entity sample is the first geographic entity sample of the location of the transacting party.

[0010] Further, the first geographic entity sample is analyzed to obtain the geographic features to be verified, including: analyzing the first geographic entity sample using the acoustic wave entrainment method to obtain the geographic features to be verified.

[0011] Furthermore, if the first geographic entity sample is soil or water, the geographic features to be verified are the content of trace elements and bacterial populations contained in the soil or water.

[0012] If the first geographic entity sample is air, then the geographic features to be verified are aridity and nitrogen oxygen content.

[0013] Furthermore, if the first geographic entity sample is soil, then the first geographic entity sample is analyzed to obtain the geographic features to be verified, including:

[0014] The soil was analyzed using a pre-defined centrifugation technique to obtain the corresponding geographical features to be verified.

[0015] Furthermore, the standard geographical features are obtained by collecting second geographical entity samples of the location of the transacting parties;

[0016] The second geographic entity sample is analyzed to obtain standard geographic features.

[0017] Furthermore, after obtaining standard geographic features, it also includes:

[0018] Determine whether the standard geographical features have reached their expiration date;

[0019] If the expiration date is reached, a second geographical entity sample of the location of the transacting party will be collected again, and the second geographical entity sample will be analyzed to obtain new standard geographical features.

[0020] Secondly, embodiments of the present invention also provide an electronic transaction verification device, comprising:

[0021] The verification request sending module is used to send a verification request to the transacting party based on the transaction request, so that the transacting party provides a first geographical entity sample according to the verification request; wherein, the transacting party includes the payer and / or the receiver;

[0022] The geographic feature acquisition module is used to analyze the first geographic entity sample to obtain the geographic features to be verified.

[0023] The comparison module is used to compare the geographic feature to be verified with standard geographic features;

[0024] The verification module is used to verify a geographic feature that matches a standard geographic feature if the comparison result shows that the geographic feature to be verified is true.

[0025] Thirdly, embodiments of the present invention also provide an electronic device, the electronic device comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores a computer program executable by the at least one processor, the computer program being executed by the at least one processor to enable the at least one processor to execute the electronic transaction verification method described in the embodiments of the present invention.

[0026] Fourthly, embodiments of the present invention also provide a computer-readable storage medium storing computer instructions, which are used to cause a processor to execute and implement the electronic transaction verification method described in the embodiments of the present invention.

[0027] This invention discloses a method, apparatus, device, and storage medium for verifying electronic transactions. Based on a transaction request, a verification application is sent to the transacting parties, who then provide a first geographical entity sample according to the verification application. The transacting parties include a payer and / or a receiver. The first geographical entity sample is analyzed to obtain geographical features to be verified. These features are compared with standard geographical features. If the comparison result shows a match between the geographical features to be verified and the standard geographical features, the verification is successful. This invention provides a method for verifying electronic transactions by verifying the geographical features corresponding to the transacting parties, thereby verifying the legitimacy of the transacting parties and improving transaction security. Attached Figure Description

[0028] Figure 1 This is a flowchart of an electronic transaction verification method according to Embodiment 1 of the present invention;

[0029] Figure 2 This is a schematic diagram of the structure of an electronic transaction verification device according to Embodiment 2 of the present invention;

[0030] Figure 3 This is a schematic diagram of the structure of an electronic device according to Embodiment 3 of the present invention. Detailed Implementation

[0031] The present invention will now be described in further detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and not intended to limit it. Furthermore, it should be noted that, for ease of description, the accompanying drawings show only the parts relevant to the present invention, and not all of the structures.

[0032] Example 1

[0033] Figure 1 This is a flowchart of an electronic transaction verification method provided in Embodiment 1 of the present invention. This embodiment is applicable to the verification of electronic transactions. The method can be executed by an electronic transaction verification device, which can be implemented in software and / or hardware, optionally through an electronic device, such as a mobile terminal, PC, or server. Figure 1 As shown, the method specifically includes the following steps:

[0034] S110, based on the transaction request, a verification request is sent to the transacting party, so that the transacting party provides a first geographical entity sample according to the verification request.

[0035] The transacting parties include the payer and / or the receiver. A transaction request can be a transfer request or a payment request initiated by one of the transacting parties. The first geographic entity sample can include at least one of the following: soil, water, and air. The first geographic entity sample is the first geographic entity sample of the transacting party's home location, where the home location can be the location of the transacting party's Internet Protocol (IP) address.

[0036] In this embodiment, the transacting party sends a transaction request to the transaction system. Based on the transaction request, the transaction system sends a verification application to the transacting party. After receiving the verification application, the transacting party collects a first geographic entity sample from its home location and provides the first geographic entity sample to the enterprise department where the transaction system is located. For example, the transacting party can provide the collected first geographic entity sample to a subsidiary department of the enterprise department in its home location, and the subsidiary department can analyze the provided first geographic entity sample.

[0037] S120, Analyze the first geographic entity sample to obtain the geographic features to be verified.

[0038] In this embodiment, the enterprise department where the transaction system is located receives the first geographical entity sample provided by the transaction party, and uses any geographical entity sample analysis algorithm to analyze the first geographical entity sample to obtain the geographical features to be verified.

[0039] Optionally, the method for analyzing the first geographic entity sample to obtain the geographic features to be verified can be: using the acoustic wave entrainment method to analyze the first geographic entity sample to obtain the geographic features to be verified.

[0040] The acoustic entrainment method can be used to measure the error and range of particle size. In this embodiment, based on the particle dynamics model in a horizontal standing wave acoustic field of Stokes force and unstable force, the error and range of particle size measurement by the acoustic entrainment method are studied through numerical simulation. The results show that for particles of a specific size, there exists an optimal test acoustic field frequency that makes the measurement error zero. Below this frequency, the measured particle size is too large, and above this frequency, the measured particle size is too small. As the particle density increases, the measurement error decreases rapidly, eventually approaching zero. As the acoustic frequency increases, both the upper and lower limits of the measurement range decrease, and the particle size measurement range decreases. As the acoustic intensity increases, the upper limit of the measurement range increases, while the lower limit remains unchanged, and the particle size measurement range increases.

[0041] Optionally, if the first geographic entity sample is soil or water, the geographic features to be verified are the content of trace elements and bacterial populations contained in the soil or water; if the first geographic entity sample is air, the geographic features to be verified are aridity and nitrogen oxygen content.

[0042] If the first geographic entity sample is soil, the method to analyze the first geographic entity sample and obtain the geographic features to be verified can be: using a set centrifugation technique to analyze the soil and obtain the geographic features to be verified corresponding to the soil.

[0043] Among them, centrifugation technology can be used to classify soil particles and obtain the geographical features to be verified.

[0044] S130 compares the geographic features to be verified with standard geographic features.

[0045] The standard geographic features are obtained by collecting second geographic entity samples of the location of the transacting parties, analyzing the second geographic entity samples, and obtaining the standard geographic features.

[0046] The method for analyzing the second geographic entity sample is the same as the method for analyzing the first geographic entity sample, and will not be repeated here.

[0047] Optionally, after obtaining the standard geographic features, the following steps are also included: determining whether the standard geographic features have reached their expiration date; if they have reached their expiration date, then collecting a second geographic entity sample of the location of the transacting party and analyzing the second geographic entity sample to obtain new standard geographic features.

[0048] The validity period can be set by the technical personnel of the transaction system, for example, it can be one month, six months, or one year. In this embodiment, if the standard geographical features reach their expiration date, a second geographical entity sample of the transaction party's location is re-collected, and the second geographical entity sample is analyzed to obtain new standard geographical features. This ensures the timeliness of the verification.

[0049] In this embodiment, the process of comparing the geographic feature to be verified with the standard geographic feature can be as follows: comparing each feature information of the geographic feature to be verified with each feature information of the standard geographic feature one by one to obtain the difference information of each feature information, and then weighting and summing the difference information to obtain the comparison result.

[0050] S140. If the comparison result shows that the geographic feature to be verified matches the standard geographic feature, then the verification is successful.

[0051] In this context, matching the geographic feature to be verified with the standard geographic feature can be understood as: the difference between the geographic feature to be verified and the standard geographic feature is less than a set threshold.

[0052] In this embodiment, if the comparison result shows that the geographic feature to be verified does not match the standard geographic feature, the verification fails, and the transaction system sends a reminder message to the transaction party to prompt the transaction party to decide whether to continue the transaction based on the reminder message.

[0053] The technical solution of this embodiment sends a verification request to the transacting parties based on a transaction request, enabling the transacting parties to provide a first geographical entity sample according to the verification request; wherein, the transacting parties include a payer and / or a receiver; the first geographical entity sample is analyzed to obtain the geographical features to be verified; the geographical features to be verified are compared with standard geographical features; if the comparison result shows that the geographical features to be verified match the standard geographical features, the verification is successful. The electronic transaction verification method provided by this embodiment of the invention verifies the legitimacy of the transacting parties by verifying the geographical features corresponding to the transacting parties, thereby improving the security of the transaction.

[0054] Example 2

[0055] Figure 2 This is a schematic diagram of the structure of an electronic transaction verification device provided in Embodiment 2 of the present invention. Figure 2 As shown, the device includes:

[0056] The verification request sending module 210 is used to send a verification request to the transacting party based on the transaction request, so that the transacting party provides a first geographical entity sample according to the verification request; wherein, the transacting party includes the payer and / or the receiver;

[0057] The geographic feature acquisition module 220 is used to analyze the first geographic entity sample to obtain the geographic features to be verified.

[0058] The comparison module 230 is used to compare the geographic features to be verified with standard geographic features;

[0059] The verification module 240 is used to verify that the geographic feature to be verified matches the standard geographic feature if the comparison result shows that the verification is successful.

[0060] Optionally, the first geographic entity sample includes at least one of the following: soil, water, and air; the first geographic entity sample is the first geographic entity sample of the location of the transacting party.

[0061] Optionally, the geographic feature acquisition module 220 is also used to: analyze the first geographic entity sample using the acoustic wave entrainment method to obtain the geographic features to be verified.

[0062] Optionally, if the first geographic entity sample is soil or water, the geographic features to be verified are the content of trace elements and bacterial populations contained in the soil or water.

[0063] If the first geographic entity sample is air, then the geographic features to be verified are aridity and nitrogen oxygen content.

[0064] Optionally, the geographic feature acquisition module 220 to be verified is also used for:

[0065] The soil was analyzed using a pre-defined centrifugation technique to obtain the corresponding geographical features to be verified.

[0066] Optionally, it also includes: a standard geographic feature acquisition module, used to: collect second geographic entity samples of the location of the transacting parties;

[0067] The second geographic entity sample was analyzed to obtain standard geographic features.

[0068] Optionally, it also includes: a standard geographic feature update module, used for:

[0069] Determine whether the standard geographical features have reached their expiration date;

[0070] If the validity period is reached, a second geographical entity sample of the transaction party's location will be collected again, and the second geographical entity sample will be analyzed to obtain new standard geographical features.

[0071] The above-described apparatus can execute the methods provided in all the foregoing embodiments of the present invention, and has the corresponding functional modules and beneficial effects for executing the above methods. Technical details not described in detail in this embodiment can be found in the methods provided in all the foregoing embodiments of the present invention.

[0072] Example 3

[0073] Figure 3 A schematic diagram of an electronic device 10 that can be used to implement embodiments of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processors, cellular phones, smartphones, wearable devices (e.g., helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely illustrative and are not intended to limit the implementation of the invention described and / or claimed herein.

[0074] like Figure 3As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12 or a random access memory (RAM) 13, communicatively connected to the at least one processor 11. The memory stores computer programs executable by the at least one processor. The processor 11 can perform various appropriate actions and processes based on the computer program stored in the ROM 12 or loaded from storage unit 18 into the RAM 13. The RAM 13 may also store various programs and data required for the operation of the electronic device 10. The processor 11, ROM 12, and RAM 13 are interconnected via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0075] Multiple components in electronic device 10 are connected to I / O interface 15, including: input unit 16, such as keyboard, mouse, etc.; output unit 17, such as various types of displays, speakers, etc.; storage unit 18, such as disk, optical disk, etc.; and communication unit 19, such as network card, modem, wireless transceiver, etc. Communication unit 19 allows electronic device 10 to exchange information / data with other devices through computer networks such as the Internet and / or various telecommunications networks.

[0076] Processor 11 can be a variety of general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special-purpose artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. Processor 11 performs the various methods and processes described above, such as methods for verifying electronic transactions.

[0077] In some embodiments, the electronic transaction verification method may be implemented as a computer program tangibly contained in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on electronic device 10 via ROM 12 and / or communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of the method XXX described above may be performed. Alternatively, in other embodiments, processor 11 may be configured to perform the electronic transaction verification method by any other suitable means (e.g., by means of firmware).

[0078] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field-programmable gate arrays (FPGAs), application-specific integrated circuits (ASICs), application-specific standard products (ASSPs), systems-on-a-chip (SoCs), payload-programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include implementations in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which may be a dedicated or general-purpose programmable processor, capable of receiving data and instructions from a storage system, at least one input device, and at least one output device, and transmitting data and instructions to the storage system, the at least one input device, and the at least one output device.

[0079] Computer programs used to implement the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when executed by the processor, the computer programs cause the functions / operations specified in the flowcharts and / or block diagrams to be performed. The computer programs may be executed entirely on a machine, partially on a machine, or as a standalone software package, partially on a machine and partially on a remote machine, or entirely on a remote machine or server.

[0080] In the context of this invention, a computer-readable storage medium can be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, apparatus, or device. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination thereof. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. More specific examples of machine-readable storage media include electrical connections based on one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fibers, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof.

[0081] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user provides input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including sound input, voice input, or tactile input).

[0082] The systems and technologies described herein can be implemented in computing systems that include backend components (e.g., as data servers), or computing systems that include middleware components (e.g., application servers), or computing systems that include frontend components (e.g., user computers with graphical user interfaces or web browsers through which users can interact with implementations of the systems and technologies described herein), or any combination of such backend, middleware, or frontend components. The components of the system can be interconnected via digital data communication of any form or medium (e.g., communication networks). Examples of communication networks include local area networks (LANs), wide area networks (WANs), blockchain networks, and the Internet.

[0083] A computing system can include clients and servers. Clients and servers are generally located far apart and typically interact through communication networks. The client-server relationship is created by computer programs running on the respective computers and having a client-server relationship with each other. The server can be a cloud server, also known as a cloud computing server or cloud host, which is a hosting product within the cloud computing service system to address the shortcomings of traditional physical hosts and VPS services, such as high management difficulty and weak business scalability.

[0084] It should be understood that the various forms of processes shown above can be used, with steps reordered, added, or deleted. For example, the steps described in this invention can be executed in parallel, sequentially, or in different orders, as long as the desired result of the technical solution of this invention can be achieved, and this is not limited herein.

[0085] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for verifying electronic transactions, characterized in that, include: A verification request is sent to the transacting party based on the transaction request, enabling the transacting party to provide a first geographical entity sample according to the verification request; wherein, the transacting party includes the payer and / or the receiver; The first geographic entity sample is analyzed to obtain the geographic features to be verified; The geographic features to be verified are compared with standard geographic features; If the comparison result shows that the geographic feature to be verified matches the standard geographic feature, then the verification is successful; The first geographic entity sample includes at least one of the following: soil, water, and air; the first geographic entity sample is the first geographic entity sample of the location of the transacting party. Analyzing the first geographic entity sample to obtain the geographic features to be verified includes: analyzing the first geographic entity sample using the acoustic wave entrainment method to obtain the geographic features to be verified.

2. The method according to claim 1, characterized in that, If the first geographic entity sample is soil or water, then the geographic features to be verified are the content of trace elements and bacterial populations contained in the soil or water. If the first geographic entity sample is air, then the geographic features to be verified are aridity and nitrogen oxygen content.

3. The method according to claim 1, characterized in that, If the first geographic entity sample is soil, then the first geographic entity sample is analyzed to obtain the geographic features to be verified, including: The soil was analyzed using a pre-defined centrifugation technique to obtain the corresponding geographical features to be verified.

4. The method according to claim 1, characterized in that, The standard geographic features are obtained by collecting second geographic entity samples of the location of the transacting parties. The second geographic entity sample is analyzed to obtain standard geographic features.

5. The method according to claim 4, characterized in that, After obtaining standard geographic features, the following is also included: Determine whether the standard geographical features have reached their expiration date; If the expiration date is reached, a second geographical entity sample of the location of the transacting party will be collected again, and the second geographical entity sample will be analyzed to obtain new standard geographical features.

6. A verification device for electronic transactions, characterized in that, include: The verification request sending module is used to send a verification request to the transacting party based on the transaction request, so that the transacting party provides a first geographical entity sample according to the verification request; wherein, the transacting party includes the payer and / or the receiver; The geographic feature acquisition module is used to analyze the first geographic entity sample to obtain the geographic features to be verified. The comparison module is used to compare the geographic feature to be verified with standard geographic features; The verification module is used to verify that the geographic feature to be verified matches the standard geographic feature if the comparison result shows that the verification is successful. The first geographic entity sample includes at least one of the following: soil, water, and air; the first geographic entity sample is the first geographic entity sample of the location of the transacting party. The geographic feature acquisition module is used to analyze the first geographic entity sample using the acoustic wave entrainment method to obtain the geographic features to be verified.

7. An electronic device, characterized in that, The electronic device includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores a computer program executable by the at least one processor, the computer program being executed by the at least one processor to enable the at least one processor to perform the electronic transaction verification method according to any one of claims 1-5.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions that, when executed by a processor, implement the electronic transaction verification method according to any one of claims 1-5.

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