Transaction request processing method, apparatus, device, and computer storage medium

Abstract

The application discloses a transaction request processing method and device, equipment and a computer storage medium, and belongs to the field of information processing. The method comprises the following steps: obtaining first transaction request information; searching for target historical transaction information meeting a first preset condition from historical transaction records of the last transaction of a first transaction initiator with different transaction objects; verifying the first transaction request information to obtain a verification result in the case where the target historical transaction information is not found; and responding to the first transaction request information in the case where the verification result indicates that the first transaction request information is verified. Based on the method, the recent transaction of the first transaction initiator and the first transaction receiver does not need to be queried from a database with a large amount of transaction information, the verification process of the first transaction request information is reduced, the query time of the transaction information is reduced, and the query efficiency is improved.

Description

Technical Field

[0001] This application belongs to the field of information processing, and in particular relates to a transaction request processing method, apparatus, device and computer storage medium. Background Technology

[0002] With the continuous development and innovation of the banking and financial industry, the security of users when conducting financial transactions is becoming increasingly important.

[0003] Typically, to protect the security of users' financial transactions, the transaction will be assessed. If this is the user's last transaction recently, the user needs to verify the transaction before it can proceed.

[0004] However, since users' trading accounts contain a large amount of trading data, finding the current transaction from this large amount of data is undoubtedly very time-consuming, which will reduce the user's trading experience. Summary of the Invention

[0005] This application provides a transaction request processing method, apparatus, device, and computer storage medium, which reduces the query time for transaction information and improves query efficiency.

[0006] According to a first aspect of this application, embodiments of this application provide a transaction request processing method, the method comprising:

[0007] Obtain the first transaction request information, which includes: the first transaction initiator, the first transaction recipient, and the first transaction time;

[0008] From the historical transaction records of the first transaction initiator's last transaction with different transaction objects, search for whether there is target historical transaction information that meets the first preset condition; the first preset condition includes that the interval between the transaction time of the historical transaction information and the first transaction time is less than a preset duration, and the transaction object is the first transaction recipient;

[0009] If no target historical transaction information is found, the first transaction request information is verified to obtain the verification result;

[0010] If the verification result indicates that the first transaction request information has passed verification, then respond to the first transaction request information.

[0011] Optionally, the first transaction request information is obtained, including:

[0012] Display candidate transaction request information;

[0013] In response to the user's action of selecting the first transaction request information from the candidate transaction request information, the first transaction request information is obtained.

[0014] Optionally, the first transaction request information is verified to obtain a verification result, including:

[0015] The verification information corresponding to the first transaction request information is generated according to the verification information generation algorithm;

[0016] Send the verification information to the first transaction initiator;

[0017] Receive the verification response information sent by the first transaction initiator;

[0018] Verify whether the verification response information matches the verification information to obtain the verification result.

[0019] Optionally, the first transaction request information is verified to obtain a verification result, including:

[0020] Determine whether the preset transaction object information includes the first transaction initiator and / or the first transaction recipient;

[0021] If the first transaction initiator and / or the first transaction recipient are not included in the preset transaction objects, the first transaction request information is determined to be a verified result that has passed verification.

[0022] Optionally, determining whether the preset transaction object information includes the first transaction initiator and / or the first transaction recipient also includes:

[0023] If the target trading party is included in the preset trading partners, it is determined whether there are any abnormal trading information in the historical trading information of the target trading party; the target trading party includes at least one of the first trading initiator or the first trading recipient;

[0024] If there are abnormal transaction information in the target trading party's historical transaction information, the first transaction request information is determined to be a verification failure result.

[0025] Optionally, after responding to the first transaction request information, the method further includes:

[0026] Add the first transaction request information to the historical transaction record of the first transaction initiator's last transaction with a different trading partner.

[0027] According to a second aspect of this application, embodiments of this application provide a transaction request processing apparatus, the apparatus comprising:

[0028] The acquisition module is used to acquire the first transaction request information, which includes: the first transaction initiator, the first transaction recipient, and the first transaction time.

[0029] The search module is used to search for whether there is target historical transaction information that meets the first preset condition from the historical transaction records of the last transaction between the first transaction initiator and different transaction objects; the first preset condition includes that the interval between the transaction time of the historical transaction information and the first transaction time is less than a preset duration, and the transaction object is the first transaction recipient.

[0030] The verification module is used to verify the first transaction request information and obtain the verification result when the target historical transaction information is not found.

[0031] The response module is used to respond to the first transaction request information if the verification result indicates that the first transaction request information has passed verification.

[0032] According to a third aspect of this application, a transaction request processing apparatus is provided, the apparatus comprising: a processor and a memory storing computer program instructions;

[0033] When the processor executes computer program instructions, it implements the transaction request processing method of any one of the first aspects.

[0034] According to a fourth aspect of this application, embodiments of this application provide a computer storage medium storing computer program instructions, which, when executed by a processor, implement the transaction request processing method of any one of the first aspects.

[0035] According to a fifth aspect of this application, embodiments of this application provide a computer program product in which instructions, when executed by a processor of an electronic device, cause the electronic device to perform the transaction request processing method of any one of the first aspects.

[0036] The transaction request processing method, apparatus, device, and computer storage medium of this application embodiment, after obtaining first transaction request information, queries the historical transaction records to determine whether there is target historical transaction information that meets a first preset condition, thereby determining whether the first transaction request information is a recent transaction. If no target historical record is found, it indicates that the first transaction request information is a recent transaction, and therefore the first transaction request information needs to be verified to obtain a verification result. If the verification result indicates that the verification of the first transaction request information is successful, the first transaction request can be responded to and the first transaction can be executed. Based on this, since the historical transaction records only record the last transaction between the first transaction initiator and different transaction objects, it is not necessary to query the recent transactions of the first transaction initiator and the first transaction recipient from a database containing massive transaction information, reducing the query and verification process of whether the first transaction request information is a recent transaction, reducing the time for querying transaction information, and improving query efficiency. Attached Figure Description

[0037] To more clearly illustrate the technical solutions of the embodiments of this application, the accompanying drawings used in the embodiments of this application will be briefly introduced below. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0038] Figure 1 This is a flowchart illustrating a transaction request processing method according to an exemplary embodiment;

[0039] Figure 2 This is yet another flowchart illustrating a transaction request processing method according to an exemplary embodiment;

[0040] Figure 3 This is yet another flowchart illustrating a transaction request processing method according to an exemplary embodiment;

[0041] Figure 4 This is a structural block diagram of a transaction request processing apparatus according to an exemplary embodiment;

[0042] Figure 5 This is a structural block diagram of a transaction request processing device according to an exemplary embodiment. Detailed Implementation

[0043] The features and exemplary embodiments of various aspects of this application will be described in detail below. To make the objectives, technical solutions, and advantages of this application clearer, the application will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only 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.

[0044] It should be noted that, in this document, relational terms such as "first" and "second" are used merely to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-external inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or apparatus that includes said element.

[0045] As described in the background section, since users' trading accounts contain a large amount of trading data, it is undoubtedly very time-consuming to find the current transaction from this large amount of data, which will reduce the user's trading experience.

[0046] To address the problems of existing technologies, this application addresses the issue that since historical transaction records only record the last transaction between the first transaction initiator and different transaction objects, it eliminates the need to query recent transactions of the first transaction initiator and the first transaction recipient from a database containing massive amounts of transaction information. This reduces the process of querying and verifying whether the first transaction request information is a recent transaction, reduces the time spent querying transaction information, and improves query efficiency.

[0047] Based on this, this application provides a transaction request processing method, apparatus, device, and computer storage medium. The transaction request processing method provided in the embodiments of this application will be described first below.

[0048] Figure 1 A flowchart illustrating a transaction request processing method according to an embodiment of this application is shown. Figure 1 As shown, it may include the following steps:

[0049] S101, Obtain the first transaction request information, which includes: the first transaction initiator, the first transaction recipient, and the first transaction time;

[0050] S102, search the historical transaction records of the first transaction initiator with different transaction objects to see if there is target historical transaction information that meets the first preset conditions; the first preset conditions include that the interval between the transaction time of the historical transaction information and the first transaction time is less than a preset duration, and the transaction object is the first transaction recipient.

[0051] S103, if no target historical transaction information is found, the first transaction request information is verified to obtain the verification result;

[0052] S104, if the verification result indicates that the first transaction request information has passed verification, respond to the first transaction request information.

[0053] Based on the above embodiments, after obtaining the first transaction request information, this application queries the historical transaction records to see if there is any target historical transaction information that meets the first preset condition, thereby determining whether the first transaction request information is a recent transaction. If no target historical record is found, it indicates that the first transaction request information is a recent transaction, and therefore the first transaction request information needs to be verified to obtain a verification result. If the verification result indicates that the verification of the first transaction request information is successful, the first transaction request can be responded to and the first transaction can be executed. Based on this, since the historical transaction records only record the last transaction between the first transaction initiator and different transaction objects, it is not necessary to query the recent transactions of the first transaction initiator and the first transaction recipient from a database containing massive transaction information. This reduces the query and verification process of whether the first transaction request information is a recent transaction, reduces the time spent querying transaction information, and improves query efficiency.

[0054] In S101 above, the first transaction request information corresponding to the first transaction request is obtained according to the first transaction request selected by the user.

[0055] As an example, the first transaction request information includes: the first transaction initiator, the first transaction recipient, the first transaction time, and the first transaction amount.

[0056] In step S102 above, based on the first transaction initiator, the historical transaction records of the first transaction initiator are queried. These historical transaction records include the last transaction initiated by the first transaction initiator and different trading partners, i.e., the final transaction. Since the historical transaction records only record the transaction times of the last transaction between the first transaction initiator and other trading partners, the time interval between the last transaction time of the first transaction initiator and the first transaction recipient and the first transaction can be determined from the historical transaction records based on the first transaction time. Therefore, it can be determined whether the first transaction meets the first preset condition.

[0057] Specifically, the first preset condition is that the time interval between the first and last transactions of the transaction initiator and the transaction recipient is less than a preset duration. This allows us to determine whether there are any transactions between the transaction initiator and the transaction recipient in the recent period (time interval) after the last transaction, or whether the first transaction is a recent transaction of the last transaction between the transaction initiator and the transaction recipient.

[0058] The target historical transaction information is the transaction record in the historical transaction record that meets the first preset condition. As an example, the target historical transaction information can be the first transaction request information.

[0059] In S103 above, if the target historical transaction information cannot be found in the above historical transaction records, it means that the time interval between the last transaction between the first transaction initiator and the first transaction recipient and the first transaction request information exceeds the preset time. Therefore, the first transaction corresponding to the first transaction request information is the first transaction in recent times. For the first transaction in recent times, the first transaction request information needs to be verified to reduce the transaction risk of the first transaction.

[0060] As an example, transaction risks can include: market risk, credit risk, liquidity risk, etc.

[0061] As an example, verifying the first transaction request information and obtaining the verification result may include:

[0062] The verification information corresponding to the first transaction request information is generated according to the verification information generation algorithm;

[0063] Send the verification information to the first transaction initiator;

[0064] Receive the verification response information sent by the first transaction initiator;

[0065] Verify whether the verification response information matches the verification information to obtain the verification result.

[0066] Specifically, a verification information generation algorithm can be used to encrypt the first transaction initiator, the first transaction recipient, the first transaction time, and the first transaction amount to form multiple initial ciphertexts. These initial ciphertexts are then encrypted and combined to form the final verification information, which is an encrypted ciphertext. This verification information is sent to the first transaction initiator, who then replies with a verification response to the terminal. Upon receiving the verification response, the terminal determines whether the verification response matches the verification information and obtains the verification result based on the match.

[0067] Specifically, the verification response information can be a string of characters, text, symbols, or even no response from the first party initiating the transaction.

[0068] Specifically, encryption can be performed using a preset encryption algorithm. As an example, the preset encryption algorithm could be the SM4 encryption algorithm. SM4 is a symmetric encryption algorithm released by the State Cryptography Administration of China, also known as the national cryptographic algorithm. The SM4 encryption algorithm is based on a block cipher structure, with each block being 128 bits long. SM4 uses 32 rounds of encryption operations, including key generation and round function calculations.

[0069] The response from the first party initiating the transaction based on the verification information is the verification response information, and the verification result is obtained.

[0070] As an example, verifying the first transaction request information and obtaining the verification result may also include:

[0071] Determine whether the preset transaction object information includes the first transaction initiator and / or the first transaction recipient;

[0072] If the first transaction initiator and / or the first transaction recipient are not included in the preset transaction objects, the first transaction request information is determined to be a verified result that has passed verification.

[0073] Specifically, determine whether the preset transaction object information includes the first transaction initiator and / or the first transaction recipient;

[0074] If the target trading party is included in the preset trading partners, it is determined whether there are any abnormal trading information in the historical trading information of the target trading party; the target trading party includes at least one of the first trading initiator or the first trading recipient;

[0075] If there are abnormal transaction information in the target trading party's historical transaction information, the first transaction request information is determined to be a verification failure result.

[0076] Specifically, the preset transaction object information records preset transaction objects that pose a risk. These preset transaction objects can be the transaction initiator and / or the transaction recipient. If the preset transaction objects do not include the first transaction initiator and / or the first transaction recipient, it indicates that the first transaction initiator and / or the first transaction recipient do not pose a transaction risk, and therefore no further encrypted verification is required; the verification result is considered successful. Conversely, if the preset transaction objects include at least one of the first transaction initiator or the first transaction recipient, it is necessary to further determine whether there are any abnormal transaction behaviors in the target transaction party's past transaction information. In other words, further verification of the transaction is required. If abnormal behavior is found, the first transaction request information will fail verification.

[0077] As an example, abnormal transaction behavior can include illegal activities such as debt default, telecommunications fraud, and money laundering.

[0078] In S104 above, if the verification result indicates that the first transaction request information has passed verification, it means that there is no transaction risk in the first transaction request information and the transaction can be carried out. Therefore, the first transaction request information is responded to and notified to continue the execution of the first transaction.

[0079] In order to accurately determine the first transaction request information, this application also provides another implementation of the transaction request processing method.

[0080] Figure 2This illustration shows another flowchart of a transaction request processing method provided in one embodiment of this application, as shown below. Figure 2 As shown, step S101 above may include the following steps:

[0081] S201, Displaying candidate transaction request information;

[0082] S202, in response to the user's operation of selecting the first transaction request information from the candidate transaction request information, obtain the first transaction request information.

[0083] Based on the above embodiments, by selecting the first transaction request information corresponding to the user's operation from the candidate transaction request information according to the user's operation, the first transaction request information is determined by the user himself, thereby improving the accuracy of the first transaction request information.

[0084] In the above S201, the front-end server displays multiple candidate transaction request information to the user. Specifically, each candidate transaction request information is related to the first transaction initiator, which can be the user operating the front-end.

[0085] Front-end servers can include: ATMs, mobile banking apps, online banking servers, etc.

[0086] In S202 above, based on the user's operation on the front-end server, the first transaction request information for which the user makes an operation selection is selected from the candidate transaction request information.

[0087] In order to accurately determine the first transaction request information, this application also provides another implementation of the transaction request processing method.

[0088] Figure 3 This illustration shows another flowchart of a transaction request processing method provided in one embodiment of this application, as shown below. Figure 3 As shown, after S104 above, the method may further include the following steps:

[0089] S301, add the first transaction request information to the historical transaction record of the first transaction initiator's last transaction with a different transaction object.

[0090] Based on the above embodiments, by adding the first transaction request information to the historical transaction record of the first transaction initiator's last transaction with a different transaction object, the information recorded in the historical transaction record is always the information of the most recently initiated transaction, thereby improving the accuracy of determining whether the first transaction request meets the first preset condition.

[0091] In the above S301, since the target historical transaction information that meets the first preset condition can be the historical transaction information between the first transaction initiator and the first transaction recipient within a preset time interval of the first transaction time, if no target historical transaction information is found, it may be that there is historical transaction information between the first transaction initiator and the first transaction recipient in the target historical transaction information, but the time interval between the transaction time of the historical transaction information and the first transaction time exceeds the preset time interval; or it may be that there is no historical transaction information between the first transaction initiator and the first transaction recipient in the target historical transaction information at all.

[0092] Therefore, in the first scenario, the original historical transaction information can be replaced with the first transaction request information, so that the transaction record between the first transaction initiator and the first transaction recipient in the historical transaction record is the first transaction request information.

[0093] In the second scenario, the first transaction request information is added directly to the historical transaction record.

[0094] As an example, the Kafka approach can be used to add the first transaction request information to the historical transaction record of the first transaction initiator's last transaction with a different transaction object. Kafka is an open-source distributed stream processing platform used to build real-time data pipelines and streaming applications. It has advantages such as high throughput, distributed nature, scalability, persistence, multi-language support, fault tolerance, real-time performance, and maintainability. It can accurately and quickly update historical transaction records, ensuring that each historical transaction in the historical transaction record is the latest historical transaction.

[0095] It should be noted that the application scenarios described in the above embodiments of this application are for the purpose of more clearly illustrating the technical solutions of the embodiments of this application, and do not constitute a limitation on the technical solutions provided by the embodiments of this application. As those skilled in the art will know, with the emergence of new application scenarios, the technical solutions provided by the embodiments of this application are also applicable to similar technical problems; and, the new embodiments of this application can be combined with each other, and the new solutions formed by the combination of various embodiments are all within the protection scope of this application.

[0096] Based on the same inventive concept, this application also provides a transaction request processing apparatus 400. (Specifically combined with...) Figure 4 Please provide a detailed explanation.

[0097] The acquisition module 410 is used to acquire first transaction request information, which includes: first transaction initiator, first transaction receiver and first transaction time;

[0098] The search module 420 is used to search for whether there is target historical transaction information that meets the first preset condition from the historical transaction records of the last transaction between the first transaction initiator and different transaction objects; the first preset condition includes that the interval between the transaction time of the historical transaction information and the first transaction time is less than a preset duration, and the transaction object is the first transaction recipient.

[0099] The verification module 430 is used to verify the first transaction request information and obtain the verification result when the target historical transaction information is not found.

[0100] The response module 440 is used to respond to the first transaction request information when the verification result indicates that the first transaction request information has passed verification.

[0101] In the transaction request processing apparatus 400 provided in this embodiment, after acquiring the first transaction request information, the acquisition module 410 queries the historical transaction records to see if there is any target historical transaction information that meets the first preset condition, thereby determining whether the first transaction request information is a recent transaction. If no target historical record is found, it indicates that the first transaction request information is a recent transaction. The verification module 430 then needs to verify the first transaction request information to obtain a verification result. If the verification result indicates that the verification of the first transaction request information is successful, the response module 440 can respond to the first transaction request and execute the first transaction. Based on this, since the historical transaction records only record the last transaction between the first transaction initiator and different transaction objects, it is not necessary to query the database containing massive transaction information about the recent transactions of the first transaction initiator and the first transaction recipient. This reduces the query and verification process of whether the first transaction request information is a recent transaction, reduces the time spent querying transaction information, and improves query efficiency.

[0102] Optionally, the acquisition module 410 may include:

[0103] The display unit is used to display candidate transaction request information;

[0104] The acquisition unit is used to acquire the first transaction request information in response to the user's operation of selecting the first transaction request information from the candidate transaction request information.

[0105] Optionally, the verification module 430 may include:

[0106] The generation unit is used to generate verification information corresponding to the first transaction request information according to the verification information generation algorithm.

[0107] The sending unit is used to send verification information to the first transaction initiator;

[0108] The receiving unit is used to receive the verification response information sent by the first transaction initiator;

[0109] The verification unit is used to verify whether the verification response information matches the verification information and obtain the verification result.

[0110] Optionally, the verification module 430 may also include:

[0111] The judgment unit is used to determine whether the preset transaction object information includes the first transaction initiator and / or the first transaction recipient;

[0112] The determining unit is used to determine the first transaction request information as a verification result that has passed verification when the first transaction initiator and / or the first transaction recipient are not included in the preset transaction objects.

[0113] Optionally, the determination unit may include:

[0114] The judgment subunit is used to determine whether there is any abnormal transaction information in the historical transaction information of the target transaction party when it is determined that the preset transaction objects include the target transaction party; the target transaction party includes at least one of the first transaction initiator or the first transaction recipient;

[0115] The determination subunit is used to determine the first transaction request information as a verification failure result when there is abnormal transaction information in the historical transaction information of the target trading party.

[0116] Optionally, the transaction request processing device 400 may further include:

[0117] The add module is used to add the first transaction request information to the historical transaction record of the first transaction initiator's last transaction with a different transaction object.

[0118] The transaction request processing device 400 provided in this application embodiment can achieve... Figures 1 to 3 The various processes implemented in the method embodiments can achieve the same technical effect, and will not be described again here to avoid repetition.

[0119] Figure 5 A schematic diagram of the hardware structure of the transaction request processing device provided in an embodiment of the present invention is shown.

[0120] The transaction request processing device may include a processor 501 and a memory 502 storing computer program instructions.

[0121] Specifically, the processor 501 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.

[0122] Memory 502 may include mass storage for data or instructions. For example, and not limitingly, memory 502 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 502 may include removable or non-removable (or fixed) media. Where appropriate, memory 502 may be internal or external to the integrated gateway disaster recovery device. In a particular embodiment, memory 502 is non-volatile solid-state memory.

[0123] In certain embodiments, memory 502 may include read-only memory (ROM), random access memory (RAM), disk storage media device, optical storage media device, flash memory device, electrical, optical, or other physical / tangible memory storage device. Therefore, generally, memory 502 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 501), it is operable to perform the operations described with reference to the method according to one aspect of this application.

[0124] The processor 501 implements any of the transaction request processing methods in the above embodiments by reading and executing computer program instructions stored in the memory 502.

[0125] In one example, the transaction request processing device may further include a communication interface 503 and a bus 504. As shown in the figure, the processor 501, memory 502, and communication interface 503 are connected via the bus 504 and communicate with each other.

[0126] The communication interface 503 is mainly used to realize communication between various modules, devices, units and / or equipment in the embodiments of the present invention.

[0127] Bus 504 may include hardware, software, or both. For example, and not as a limitation, bus 44 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, a Wireless Bandwidth Interconnect, a Low Pin Count (LPC) bus, a memory bus, a Microchannel Architecture (MCA) bus, a Peripheral Control 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 504 may include one or more buses 504. Although specific bus 504s are described and illustrated in embodiments of this application, this application contemplates any suitable bus 504 or interconnect.

[0128] The transaction request processing device can combine [various methods] based on the current transaction request processing method. Figures 1-4 The described transaction request processing method and apparatus.

[0129] In addition, this application also provides a computer program product, including computer program instructions, which, when executed by processor 501, can implement the steps and corresponding content of the aforementioned method embodiments.

[0130] It should be clarified that this application 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 this application 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 this application.

[0131] 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 application are programs or code segments used to perform the required tasks. 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 on 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.

[0132] It should also be noted that the exemplary embodiments mentioned in this application describe methods or systems based on a series of steps or apparatus. However, this application is not limited to the order of the above steps; 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.

[0133] The aspects of this disclosure 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 disclosure. 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 special-purpose hardware performing the specified functions or actions, or can be implemented by a combination of special-purpose hardware and computer instructions.

[0134] The above description is merely a specific implementation of this application. 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 this application 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 this application, and these modifications or substitutions should all be covered within the protection scope of this application.

Claims

1. A transaction request processing method, characterized in that, The method includes: Obtain first transaction request information, which includes: first transaction initiator, first transaction recipient, and first transaction time; From the historical transaction records of the first transaction initiator's last transaction with different transaction objects, search for whether there is target historical transaction information that meets the first preset condition; the first preset condition includes that the interval between the transaction time of the historical transaction information and the first transaction time is less than a preset duration, and the transaction object is the first transaction recipient. If the target historical transaction information is not found, the first transaction request information is verified to obtain the verification result; If the verification result indicates that the first transaction request information has passed verification, then respond to the first transaction request information; The step of verifying the first transaction request information to obtain a verification result includes: Determine whether the preset transaction object information includes the first transaction initiator and / or the first transaction recipient, wherein the preset transaction object information records preset transaction objects that are at risk; If it is determined that the first transaction initiator and / or the first transaction recipient are not included in the preset transaction object information, the first transaction request information is determined to be a verification result that has passed verification. If the preset transaction object information includes the target transaction party, it is determined whether there is any abnormal transaction information in the historical transaction information of the target transaction party; the target transaction party includes at least one of the first transaction initiator or the first transaction recipient; If there is abnormal transaction information in the historical transaction information of the target trading party, the first transaction request information is determined to be a verification result of verification failure.

2. The method as described in claim 1, characterized in that, The process of obtaining the first transaction request information includes: Display candidate transaction request information; In response to the user's operation of selecting a first transaction request from the candidate transaction request information, the first transaction request information is obtained.

3. The method as described in claim 1, characterized in that, The step of verifying the first transaction request information to obtain a verification result includes: The verification information corresponding to the first transaction request information is generated according to the verification information generation algorithm; The verification information is sent to the first transaction initiator; Receive the verification response information sent by the first transaction initiator; Verify whether the verification response information matches the verification information to obtain the verification result.

4. The method according to any one of claims 1-3, characterized in that, After responding to the first transaction request information, the method further includes: Add the first transaction request information to the historical transaction record of the first transaction initiator's last transaction with a different trading partner.

5. A transaction request processing apparatus, characterized in that, The device includes: The acquisition module is used to acquire first transaction request information, which includes: first transaction initiator, first transaction recipient, and first transaction time; The search module is used to search for whether there is target historical transaction information that meets the first preset condition from the historical transaction records of the last transaction between the first transaction initiator and different transaction objects; the first preset condition includes that the interval between the transaction time of the historical transaction information and the first transaction time is less than a preset duration, and the transaction object is the first transaction recipient. The verification module is used to verify the first transaction request information and obtain a verification result when the target historical transaction information is not found. The response module is configured to respond to the first transaction request information when the verification result indicates that the first transaction request information has passed verification; The verification module includes: The judgment unit is used to determine whether the preset transaction object information includes the first transaction initiator and / or the first transaction recipient, wherein the preset transaction object information records preset transaction objects that are at risk. The determining unit is configured to determine that the first transaction request information is a verification result that has passed verification when it is determined that the first transaction initiator and / or the first transaction recipient are not included in the preset transaction object information. The judgment unit further includes: The judgment subunit is used to determine whether there is any abnormal transaction information in the historical transaction information of the target transaction party when it is determined that the preset transaction object information includes the target transaction party; the target transaction party includes at least one of the first transaction initiator or the first transaction recipient; The determination subunit is used to determine that the first transaction request information is a verification result of verification failure when there is abnormal transaction information in the historical transaction information of the target transacting party.

6. A transaction request processing device, characterized in that, The device includes: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, it implements the 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 that, when executed by a processor, implement the 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 causes the electronic device to perform the method as described in any one of claims 1-4.

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