Transaction verification processing method and device

Abstract

The embodiment of the invention provides a transaction verification processing method and device, and the method comprises the steps: firstly obtaining to-be-verified transaction information of a first user, querying a second user which builds a transaction verification relation with the first user, and then building a session communication connection with an SIM card application of a second terminal corresponding to the second user, and generating a transaction verification message according to the to-be-verified transaction information, then sending the transaction verification message to the SIM card application of the second terminal based on the session communication connection, and finally receiving a transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, thereby improving the security of online transactions and improving the user experience.

Description

Technical Field

[0001] This document relates to the field of data processing, and in particular to a transaction verification processing method and device. Background Art

[0002] With the rapid popularization of the Internet and the development of smart terminals, online payment is increasingly used in daily life. More and more people use online payment applications in smart terminals instead of going to offline outlets to handle business, such as online transfers and online shopping. In these scenarios, transactions are all conducted online. However, due to the possible insecurity of the network, it is difficult to verify the detailed information of both parties to the transaction, resulting in transaction risks, which cannot be controlled;

[0003] A SIM card is an integrated circuit card that stores a user's personal information, encryption keys, phone book, and other important data. The super SIM card, which is an upgrade on the SIM card, is more secure, can dynamically download applications, and supports near-field communication. How to use the characteristics of the super SIM card to strengthen control over transaction risks and improve the security of users' transactions in payment applications is a direction that service providers will consider in the future. Summary of the invention

[0004] The purpose of one embodiment of the present specification is to provide a transaction verification processing method and device to solve the problem of low security of online transactions.

[0005] To solve the above technical problems, an embodiment of this specification is implemented as follows:

[0006] In a first aspect, an embodiment of this specification provides a transaction verification processing method, which is applied to a SIM card server, and the method includes:

[0007] Obtaining the transaction information to be verified of the first user, and querying the second user who has established a transaction verification relationship with the first user;

[0008] Establishing a session communication connection with a SIM card application of a second terminal corresponding to the second user, and generating a transaction verification message according to the transaction information to be verified;

[0009] sending the transaction verification message to the SIM card application of the second terminal based on the session communication connection;

[0010] Receive the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, and return the transaction verification result to the payment server to perform transaction processing corresponding to the transaction verification result.

[0011] In a second aspect, another embodiment of the present specification provides a transaction verification processing method, which is applied to a second terminal in which a SIM card application is installed, and the method includes:

[0012] Establishing a session communication connection with a SIM card server;

[0013] receiving and displaying a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user;

[0014] Obtain a transaction verification result submitted by the second user for the transaction verification message, and send the transaction verification result to the SIM card server.

[0015] In a third aspect, an embodiment of the present specification provides a transaction verification processing device, which runs on a SIM card server, and the device includes:

[0016] A user query module, configured to obtain the to-be-verified transaction information of a first user, and query a second user who has established a transaction verification relationship with the first user;

[0017] a communication connection establishing module, configured to establish a session communication connection with a SIM card application of a second terminal corresponding to the second user, and to generate a transaction verification message according to the transaction information to be verified;

[0018] a message sending module, configured to send the transaction verification message to the SIM card application of the second terminal based on the session communication connection;

[0019] The transaction processing module is configured to receive a transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, and return the transaction verification result to the payment server to perform transaction processing corresponding to the transaction verification result.

[0020] In a fourth aspect, another embodiment of the present specification provides a transaction verification processing device, which runs on a second terminal installed with a SIM card application, and the device includes:

[0021] A communication connection establishing module, configured to establish a session communication connection with a SIM card server;

[0022] a message display module, configured to receive and display a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified of the first user;

[0023] The verification result sending module is configured to obtain the transaction verification result submitted by the second user for the transaction verification message, and send the transaction verification result to the SIM card server.

[0024] In a fifth aspect, an embodiment of the present specification provides a transaction verification processing device, comprising: a memory, a processor, and computer executable instructions stored on the memory and executable on the processor, wherein the computer executable instructions, when executed by the processor, implement the steps of the transaction verification processing method as described in the first aspect above.

[0025] In the sixth aspect, another embodiment of the present specification provides a transaction verification processing device, comprising: a memory, a processor, and computer executable instructions stored on the memory and executable on the processor, wherein the computer executable instructions, when executed by the processor, implement the steps of the transaction verification processing method as described in the first aspect above.

[0026] In a seventh aspect, an embodiment of the present specification provides a computer-readable storage medium, wherein the computer-readable storage medium is used to store computer-executable instructions, and when the computer-executable instructions are executed by a processor, the steps of the transaction verification processing method as described in the first aspect above are implemented.

[0027] In the eighth aspect, another embodiment of the present specification provides a computer-readable storage medium, wherein the computer-readable storage medium is used to store computer-executable instructions, and when the computer-executable instructions are executed by a processor, the steps of the transaction verification processing method as described in the first aspect above are implemented.

[0028] In a ninth aspect, an embodiment of the present specification provides a computer program product, wherein the computer program product includes a transaction verification processing program, and the transaction verification processing program is executed by a processor to implement the steps of the transaction verification processing method as described in the first aspect above.

[0029] In the tenth aspect, another embodiment of the present specification provides a computer program product, wherein the computer program product includes a transaction verification processing program, and the transaction verification processing program is executed by a processor to implement the steps of the transaction verification processing method as described in the first aspect above.

[0030] A transaction verification processing method provided in this embodiment first obtains the transaction information to be verified of a first user, and queries a second user who has established a transaction verification relationship with the first user, then establishes a session communication connection of a SIM card application of a second terminal corresponding to the second user, and generates a transaction verification message according to the transaction information to be verified, and then sends the transaction verification message to the SIM card application of the second terminal based on the session communication connection, and finally receives the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, thereby improving the security of online transactions and improving the user experience.

[0031] Another transaction verification processing method provided by this embodiment first establishes a session communication connection with a SIM card server, then receives and displays a transaction verification message sent by the SIM card server based on the session communication connection, then obtains a transaction verification result submitted by a second user for the transaction verification message, and finally sends the transaction verification result to the SIM card server, thereby improving the security of online transactions and enhancing user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] In order to more clearly illustrate the technical solutions in one or more embodiments of the present specification, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0033] Figure 1 A flow chart of a transaction verification method provided by an embodiment of this specification;

[0034] Figure 2 A schematic diagram of an operation reminder message display page provided in one embodiment of this specification;

[0035] Figure 3 A schematic diagram of a transaction verification message display page provided by an embodiment of this specification;

[0036] Figure 4 A schematic diagram of an amount list display page provided in one embodiment of this specification;

[0037] Figure 5 A transaction verification process flow chart provided for one embodiment of this specification;

[0038] Figure 6 A flowchart of a transaction verification method for a transfer scenario provided by an embodiment of this specification;

[0039] Figure 7A processing flow chart of another transaction verification processing method provided by one embodiment of this specification;

[0040] Figure 8 A schematic diagram of a transaction verification processing device provided in one embodiment of this specification;

[0041] Fig. 9 A schematic diagram of another transaction verification processing device provided in one embodiment of this specification;

[0042] Fig.10 A schematic diagram of the structure of a transaction verification processing device provided in one embodiment of this specification;

[0043] Fig.11 A schematic diagram of the structure of another transaction verification processing device provided for one embodiment of this specification. DETAILED DESCRIPTION

[0044] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the following will be combined with the drawings in one or more embodiments of this specification to clearly and completely describe the technical solutions in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0045] This specification provides a transaction verification method embodiment:

[0046] Reference Figure 1 , which shows a flow chart of a transaction verification method provided by this embodiment, referring to Figure 6 , which shows a processing flow chart of a transaction verification processing method applied to a transfer scenario provided by this embodiment.

[0047] Reference Figure 1 The transaction verification processing method provided in this embodiment specifically includes the following steps S102 to S108.

[0048] Step S102, obtaining the transaction information to be verified of the first user, and querying the second user who has established a transaction verification relationship with the first user.

[0049] In actual applications, transaction detection is generally performed by inputting a text message verification code or a transaction password during the transaction process. However, this method only performs transaction detection from the perspective of verifying whether the operation is performed by the user himself, which is relatively simple and has low security. In view of this, the transaction detection method provided in this embodiment introduces a SIM card (also known as a super SIM card) and uses the characteristics of the SIM card and the SIM card application. During the transaction detection process of the first user's transaction, the second user is notified through the SIM card application. The second user does not need to install a payment application and is not restricted by the network and short message reminder settings, thereby improving the security of users' online transactions and improving the user experience.

[0050] The first user may be the transaction initiator, and the second user may be the transaction verifier. The transaction information to be verified may be the transaction information to be verified extracted from the user's transaction request. Optionally, the transaction information to be verified includes at least one of the following: user information, transaction account, transaction amount, and receiving account. In this embodiment, during the process of the first user conducting a transaction to the target user or account through a payment application, the second user performs a transaction detection on the transaction. Here, the payment application may be an application of a financial institution, such as a mobile banking APP (Application Program). It should be noted that the transaction in the technical solution of the present application can be understood as a transfer.

[0051] The first terminal and the second terminal are configured with a SIM card, and the SIM card may be a super SIM card; the SIM card application is an application corresponding to the SIM card, and the SIM card application may be a super SIM card application. It should be noted that the SIM card application is integrated in the SIM card.

[0052] In the specific implementation process, in an optional implementation mode provided by this embodiment, the transaction information to be verified of the first user is obtained in the following manner:

[0053] Acquire the transaction information to be verified sent by the SIM card application of the first terminal corresponding to the first user;

[0054] Optionally, the transaction information to be verified is sent to the SIM card application of the first terminal by the payment application calling the verification interface; after the SIM card application of the first terminal receives the transaction information to be verified sent by the payment application calling the verification interface, the transaction information to be verified is checked on the transaction account in the transaction information to be verified, and if the check fails, the transaction information to be verified is forwarded to the SIM card server.

[0055] Specifically, the transaction detection may be to detect whether the transaction account of the first user exists in the verified account library of the SIM card application. If so, it indicates that the transaction account of the first user is an account that has passed the transaction detection in history. The SIM card application of the first terminal may return the transaction detection result of passing the detection to the payment application so that the payment application performs transaction processing. If not, it indicates that the transaction account of the first user is an account that has failed the transaction detection. The SIM card application of the first terminal may return the transaction detection result of failing the detection to the payment application and forward the transaction information to be verified to the SIM card server.

[0056] For example, the first user initiates a transfer request through a payment application, and the payment application calls a verification interface to send transaction information to be verified to the SIM card application of the first terminal. After the SIM card application of the first terminal receives the transaction information to be verified sent by the payment application calling the verification interface, it performs a transaction check on the transaction account in the transaction information to be verified. If the check fails, the SIM card application of the first terminal forwards the transaction information to be verified to the SIM card server, and the SIM card server obtains the transaction information to be verified sent by the SIM card application of the first terminal; if the check passes, the SIM card application of the first terminal returns a transaction check result of passing the check to the payment application, so that the payment application performs transaction processing.

[0057] During the specific execution process, after the SIM card server obtains the transaction information to be verified of the first user, it queries the second user who has established a transaction verification relationship with the first user. Here, the transaction verification relationship between the first user and the second user can be established when the first user activates the transaction verification service online or offline. After the transaction verification service is activated, the transaction verification relationship is saved to the SIM card server; after the first user and the second user establish a transaction verification relationship, when the first user initiates a transaction request through the payment application, the transaction information to be verified can be sent to the second user, so that the second user can verify the transaction and improve the security of the transaction.

[0058] It should be noted that after establishing the transaction verification relationship, the SIM card server can also generate a pair of public keys and private keys, and send the generated public key to the SIM card application of the first terminal for subsequent locking of the payment application, and send the generated private key to the SIM card application of the second terminal for subsequent unlocking of the locked payment application; in addition, in the event that the SIM card of the first user or the second user is lost or invalid, after the first user or the second user binds a new SIM card, the SIM card server can re-send the public key and private key to the SIM card application of the first terminal or the SIM card application of the second terminal, and can also regenerate new public key and private key and send them to the SIM card application of the first terminal or the SIM card application of the second terminal, thereby ensuring the recoverability of the data.

[0059] Step S104: establishing a session communication connection with the SIM card application of the second terminal corresponding to the second user, and generating a transaction verification message according to the transaction information to be verified.

[0060] After obtaining the transaction information to be verified of the first user and querying the second user who has established a transaction verification relationship with the first user, in this step, a session communication connection of the SIM card application of the second terminal corresponding to the second user is established, and transaction verification information is generated according to the transaction information to be verified.

[0061] The session communication connection may be a connection established based on USSD (Unstructured Supplementary Service Data), which refers to a communication protocol that can be used in a GSM (Global System for Mobile Communications) network, which allows users using mobile terminals to interact with service providers in real time by dialing USSD codes. USSD provides a way for users to send and receive text messages, but the USSD session remains open until it is closed by the user or service provider, which means that it supports two-way communication. USSD codes are usually special commands consisting of asterisks * and pound signs # and numbers. Users enter these codes on the mobile phone keyboard and press the dial key to start a USSD session. These sessions can be used for a variety of services, including but not limited to: checking account balances or call balances, recharging or purchasing traffic, setting up call forwarding, and accessing banking services such as transferring money, paying bills, or checking accounts.

[0062] The transaction verification message may be a reminder message for reminding the second user to conduct transaction verification, that is, a message asking the second user whether to agree to the transaction, for example, "First user A is transferring money M to target user B, do you agree?".

[0063] During the specific execution process, after the second user who has established a transaction verification relationship with the first user is queried, an operation reminder message including a session communication number may be generated and sent to the second terminal to establish a session communication connection between the first user and the second user. In an optional implementation manner provided in this embodiment, a session communication connection with a SIM card application of a second terminal corresponding to the second user is established in the following manner:

[0064] generating an operation reminder message including the session communication number, and sending the operation reminder message to the SIM card application of the second terminal;

[0065] If a communication connection request is received from the second user based on the session communication number included in the operation reminder message, the session communication connection is established.

[0066] The operation reminder message may be a message reminding the second user to dial a session communication number. Optionally, the operation reminder message is generated based on the transaction information to be verified. The session communication number may be a USSD code. The display component may be a DT (Display Text) module in the second terminal.

[0067] Specifically, in order to further ensure the security of the transaction, a session communication number can be generated in a random manner. After the session communication number is generated, operation reminder information is generated based on the session communication number and the transaction information to be verified, and the operation reminder information is sent to the SIM card application of the second terminal, so that the display component of the second terminal is called by the SIM card application of the second terminal to display the operation reminder information. The session communication connection established with the SIM card application of the second terminal using the USSD code is not subject to terminal settings and network restrictions, thereby ensuring the timeliness and stability of the second user receiving the message; if a communication connection request initiated by the SIM card application of the second terminal based on the session communication number contained in the displayed operation reminder message is received, a session communication connection is established.

[0068] For example, the session communication number generated by random means is: #xxxxxx, the transaction information to be verified is: the first user is A, the receiving user is B, and the transaction amount is M. Then the operation reminder information generated based on the session communication number and the transaction information to be verified is Figure 2 As shown in: "The first user A is transferring money M to the payee B, please dial #xxxxxx for follow-up operations", after sending this operation reminder message to the SIM card application of the second terminal, the SIM card application of the second terminal calls the DT module of the second terminal to display the operation reminder information. If the second user dials the session communication number, the communication connection request initiated by the SIM card application of the second terminal is received, and a session communication connection is established based on the communication connection request.

[0069] Step S106: sending the transaction verification message to the SIM card application of the second terminal based on the session communication connection.

[0070] During the specific execution process, a session communication connection is established with the SIM card application of the second terminal corresponding to the second user, and a transaction verification message is generated based on the transaction information to be verified. In this step, the transaction verification information is sent to the SIM card application of the second terminal based on the session communication connection, so as to perform transaction processing according to the transaction verification result returned by the SIM card application of the second terminal.

[0071] Following the above example, after establishing the session communication connection, the following is generated based on the transaction information to be verified: Figure 3 The transaction verification information shown is sent to the SIM card application of the second terminal based on the session communication connection, and the SIM card application of the second terminal calls the DT module of the second terminal to display the transaction verification information.

[0072] Step S108: receiving a transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message.

[0073] After the transaction verification message is sent to the SIM card application of the second terminal based on the session communication connection, in this step, the SIM card application of the second terminal that receives the transaction verification message submits the transaction verification result based on the transaction verification message. Optionally, the transaction verification result can be the target transaction amount or the transaction failure result.

[0074] During the specific execution process, if the transaction verification result submitted by the SIM card application of the second terminal is a message confirmation result, in order to improve the flexibility of the transaction, the verified amount can be further calculated and sent to the SIM card application of the second terminal to obtain the target transaction amount agreed by the second user, thereby opening the transaction rights of a part of the amount to the first user. In an optional implementation manner provided by this embodiment, the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message is received in the following manner:

[0075] Receiving a message confirmation result submitted by the SIM card application of the second terminal based on the transaction verification message;

[0076] Calculating a verified amount based on the transaction amount included in the transaction information to be verified, and sending the verified amount to the SIM card application of the second terminal;

[0077] Receive the target transaction amount determined by the second user based on the verified amount, which is returned by the SIM card application of the second terminal, and use the target transaction amount as the transaction verification result.

[0078] Furthermore, in an optional implementation manner provided by this embodiment, the verified amount is calculated based on the transaction amount in the transaction information to be verified, and the verified amount is sent to the second terminal in the following manner:

[0079] Calculate each verified amount based on a preset amount coefficient and the transaction amount in the transaction information to be verified;

[0080] The amount list including the verified amounts is sent to the SIM card application of the second terminal.

[0081] Furthermore, in an optional implementation manner provided by this embodiment, after receiving the target transaction amount determined by the second user based on the verified amount returned by the SIM card application of the second terminal and taking the target transaction amount as the transaction verification result step, the step further includes:

[0082] The target transaction amount is sent to the SIM card application of the first terminal, so that the SIM card application of the first terminal cooperates with the payment application to perform transaction processing corresponding to the target transaction amount.

[0083] For example, when a transaction verification message such as "The first user A is transferring money M to the recipient user B, do you agree?" is sent to the SIM card application of the second terminal, if the second user agrees, he can click the consent control in the display page of the transaction verification information, and the SIM card application of the second terminal submits the message confirmation result. After that, based on the preset amount coefficients a%, b%, c%, d% and the transaction amount M, each verified amount is calculated: M*a%, M*b%, M*c%, M*d%, and the amount list containing each verified amount (such as Figure 4 The SIM card application of the second terminal (as shown) is sent to the SIM card application of the second terminal, so that the SIM card application of the second terminal calls the DT module to display the amount list. If the second user selects a target transaction amount in the verified amount list, the SIM card application of the second terminal returns the target transaction amount, and the SIM card server sends the target transaction amount to the SIM card application of the first terminal, so that the SIM card application of the first terminal cooperates with the payment application to perform transaction processing corresponding to the target transaction amount.

[0084] It should be noted that after the transaction is successfully processed based on the target transaction amount, the transaction account of the first user can be sent to the SIM card application of the first terminal and saved in the verified account library to simplify the subsequent transaction verification process.

[0085] Optionally, if a verification failure result submitted by the SIM card application of the second terminal based on the transaction verification message is received, the verification failure result is sent to the SIM card application of the first terminal, so that the payment application is locked based on the public key through the SIM card application of the first terminal.

[0086] Continuing with the above example, when a transaction verification message such as "The first user A is transferring money M to the recipient user B, do you agree?" is sent to the SIM card application of the second terminal, if the second user refuses, the user can click the reject control in the display page of the transaction verification information, and the SIM card application of the second terminal submits the verification failure result. After that, the SIM card server sends the verification failure result to the SIM card application of the first terminal, so that the payment application can be locked based on the public key through the SIM card application of the first terminal.

[0087] During the specific execution process, after the SIM card application of the first terminal locks the payment application based on the public key, the first user may also make an unlocking request in the payment application. In an optional implementation manner provided in this embodiment, the payment application is unlocked in the following manner:

[0088] If an unlock request sent by the payment application is received, sending the unlock request to the SIM card application of the second terminal;

[0089] According to the unlocking consent result returned by the SIM card application of the second terminal, obtaining the private key stored in the SIM card application of the second terminal;

[0090] The private key is sent to the SIM card application of the first terminal, so that the SIM card application of the first terminal unlocks the payment application based on the private key.

[0091] It should be noted that when the first user's payment application is locked, the first user will not be able to perform other operations on the payment application except unlocking it, and when the payment application receives a lock request, the payment application forwards the lock request to the application server of the payment application, and the application server locks the application account of the first user; after unlocking, the payment application notifies the application server of the successful unlocking, and the application server unlocks the application account before logging in again. This operation effectively prevents the first user from logging in through other devices and conducting transactions without security precautions.

[0092] It should be further explained that the present embodiment also provides a processing method after the SIM card or mobile phone is lost, specifically including: Scenario 1, if the SIM card of the second user or the first user is lost, but the application is not locked, a set of public and private keys are regenerated and sent to the SIM card applications corresponding to the first user and the second user respectively; Scenario 2, if the SIM card of the second user is lost and the payment application of the first user is locked, the SIM server sends the private key to the newly applied SIM card of the second user, continues to unlock the payment application, and after the account is successfully unlocked, regenerates a new set of public and private keys, and sends them to the card applications corresponding to the first user and the second user; Scenario 3, if the SIM card and mobile phone of the first user are lost, and the payment application is locked, the SIM card server connects to the payment server to unlock the first user account, and after the first user renews the card, the SIM card server regenerates the public and private keys, and sends them to the SIM card applications corresponding to the first user and the second user respectively, and the first user logs in to the payment application and restarts the transaction detection.

[0093] The following Figure 51. The transaction verification process provided by this embodiment is specifically described by taking the transaction verification process flow chart shown in the figure as an example. First, the first user initiates a transfer request in the payment application, and the payment application calls the detection interface to query the SIM card application of the first terminal whether the transaction account of the first user is stored in the SIM card application of the first terminal. If so, the transaction detection result is returned to the payment application, so that the payment application performs the transaction processing of the first user; if not, the transaction information to be verified is sent to the SIM card server, and the SIM card server queries the second user who has established a transfer verification relationship with the first user, and sends an operation prompt containing a USSD code to the second user. The second user dials the USSD code to establish a USSD connection with the SIM card server. The SIM card server asks the second user whether he agrees. If he agrees, the SIM card application of the second user returns the transfer amount to the SIM card server for transfer processing. The SIM card server forwards the consent result to the SIM card application of the first user and stores the transaction account of the first user in the SIM card application of the first user. If he disagrees, the SIM card application of the second user sends a rejection result to the SIM card server, and the SIM card server forwards the rejection result to the SIM card application of the first user to lock the payment application, which can then be unlocked by the private key.

[0094] The following combination Figure 6 , taking the application of the transaction verification processing method provided by this embodiment in the transfer scenario as an example, the transaction verification processing method provided by this embodiment is further explained. Figure 6 The transaction verification processing method applied to the transfer scenario specifically includes steps S602 to S624.

[0095] Step S602: obtaining transfer information to be verified sent by a SIM card application of a first terminal corresponding to a first user.

[0096] Optionally, the transfer information to be verified is sent to the SIM card application of the first terminal by the payment application calling the verification interface; after the SIM card application of the first terminal receives the transfer information to be verified sent by the payment application calling the verification interface, it performs a transfer check on the transfer account in the transfer information to be verified, and if the check fails, forwards the transfer information to be verified to the SIM card server.

[0097] Step S604, querying a second user who has established a transaction verification relationship with the first user.

[0098] Step S606: Generate an operation reminder message including the session communication number, and send the operation reminder message to the SIM card application of the second terminal corresponding to the second user.

[0099] Afterwards, the SIM card application of the second terminal calls the display component of the second terminal to display the operation reminder message.

[0100] Step S608: If a communication connection request is received from the second user based on the session communication number included in the displayed operation reminder message, a session communication connection is established.

[0101] Step S610, generating a transfer verification message according to the transfer information to be verified.

[0102] Step S612: sending a transfer verification message to the SIM card application of the second terminal based on the session communication connection.

[0103] Afterwards, the SIM card application of the second terminal calls the display component of the second terminal to display the transfer verification message.

[0104] Step S614: receiving a message confirmation result submitted by the SIM card application of the second terminal based on the transfer verification message.

[0105] Step S616, calculating each verified amount based on the preset amount coefficient and the transfer amount in the transfer information to be verified, and sending an amount list including each verified amount to the SIM card application of the second terminal.

[0106] After that, the SIM card application of the second terminal calls the display component of the second terminal to display the amount list

[0107] Step S618: receiving the target transfer amount determined by the second user based on each verified amount and returned by the SIM card application of the second terminal, and taking the target transfer amount as the transfer verification result.

[0108] Step S620: Send the target transfer amount to the SIM card application of the first terminal, so that the SIM card application of the first terminal cooperates with the payment application to perform transfer processing corresponding to the target transfer amount.

[0109] Step S622: receiving a verification failure result submitted by the SIM card application of the second terminal based on the transfer verification message.

[0110] Step S624: Send the verification failure result to the SIM card application of the first terminal, so that the payment application is locked based on the public key through the SIM card application of the first terminal.

[0111] After that, if an unlocking request sent by the payment application is received, the unlocking request will be sent to the SIM card application of the second terminal; based on the unlocking consent result returned by the SIM card application of the second terminal, the private key stored in the SIM card application of the second terminal is obtained; the private key is sent to the SIM card application of the first terminal, so that the SIM card application of the first terminal unlocks the payment application based on the private key.

[0112] The transaction verification processing method provided in this embodiment first obtains the transaction information to be verified of the first user, and queries the second user who has established a transaction verification relationship with the first user, then establishes a session communication connection with the SIM card application of the second terminal corresponding to the second user, and generates a transaction verification message according to the transaction information to be verified, and then sends the transaction verification message to the SIM card application of the second terminal based on the session communication connection, and finally receives the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, thereby improving the security of online transactions and improving the user experience.

[0113] Another transaction verification method embodiment provided in this specification:

[0114] Reference Figure 7 , which shows a processing flow chart of a transaction verification processing method provided in this embodiment. The transaction verification processing method provided in this embodiment specifically includes the following steps S702 to S706.

[0115] Step S702: Establishing a session communication connection with a SIM card server.

[0116] Optionally, in an optional implementation manner provided by this embodiment, a session communication connection with a SIM card server is established in the following manner:

[0117] Receive and display an operation reminder message including a session communication number sent by the SIM card server;

[0118] If a communication connection request initiated by the second user based on the session communication number is received, the session communication connection is established.

[0119] Step S704: receiving and displaying a transaction verification message sent by the SIM card server based on the session communication connection.

[0120] Optionally, the transaction verification message is generated according to the transaction information to be verified of the first user.

[0121] Step S706: Obtain the transaction verification result submitted by the second user for the transaction verification message, and send the transaction verification result to the SIM card server.

[0122] Optionally, in an optional implementation manner provided by this embodiment, the transaction verification result submitted by the second user for the transaction verification message is obtained in the following manner, and the transaction verification result is sent to the SIM card server:

[0123] Obtaining a message confirmation result submitted by the second user for the transaction verification message, and sending the message confirmation result to the SIM card server;

[0124] Receive and display the verified amount sent by the SIM card server;

[0125] The target transaction amount of the second user determined based on the verified amount is obtained, and the target transaction amount is sent to the SIM card server.

[0126] Furthermore, in an optional implementation manner provided by this embodiment, receiving and displaying the verified amount sent by the SIM card server includes:

[0127] Receive and display the amount list including each verified amount sent by the SIM card server;

[0128] Each verified amount is calculated based on a preset amount coefficient and the transaction amount in the transaction information to be verified.

[0129] The transaction verification processing method provided in this embodiment can be applied to a user terminal for installing a SIM card application. The transaction verification processing method provided in the above embodiment can be applied to a SIM card server. The transaction verification processing method provided in this embodiment and applicable to a user terminal for installing a SIM card application is similar to or corresponds to the relevant contents of the transaction verification processing method provided in the above embodiment and applicable to a SIM card server. When reading this embodiment, you can refer to the relevant contents of the following embodiments. When reading the above embodiments, you can also refer to the relevant contents of this embodiment.

[0130] The following combination Figure 6 , taking the application of the transaction verification processing method provided by this embodiment in the transfer scenario as an example, the transaction verification processing method provided by this embodiment is further explained. Figure 6 The transaction verification processing method applied to the transfer scenario specifically includes steps S602 to S624.

[0131] Step S602: obtaining transfer information to be verified sent by a SIM card application of a first terminal corresponding to a first user.

[0132] Optionally, the transfer information to be verified is sent to the SIM card application of the first terminal by the payment application calling the verification interface; after the SIM card application of the first terminal receives the transfer information to be verified sent by the payment application calling the verification interface, it performs a transfer check on the transfer account in the transfer information to be verified, and if the check fails, forwards the transfer information to be verified to the SIM card server.

[0133] Step S604, querying a second user who has established a transaction verification relationship with the first user.

[0134] Step S606: Generate an operation reminder message including the session communication number, and send the operation reminder message to the SIM card application of the second terminal corresponding to the second user.

[0135] Afterwards, the SIM card application of the second terminal calls the display component of the second terminal to display the operation reminder message.

[0136] Step S608: If a communication connection request is received from the second user based on the session communication number included in the displayed operation reminder message, a session communication connection is established.

[0137] Step S610, generating a transfer verification message according to the transfer information to be verified.

[0138] Step S612: sending a transfer verification message to the SIM card application of the second terminal based on the session communication connection.

[0139] Afterwards, the SIM card application of the second terminal calls the display component of the second terminal to display the transfer verification message.

[0140] Step S614: receiving a message confirmation result submitted by the SIM card application of the second terminal based on the transfer verification message.

[0141] Step S616, calculating each verified amount based on the preset amount coefficient and the transfer amount in the transfer information to be verified, and sending an amount list including each verified amount to the SIM card application of the second terminal.

[0142] After that, the SIM card application of the second terminal calls the display component of the second terminal to display the amount list

[0143] Step S618: receiving the target transfer amount determined by the second user based on each verified amount and returned by the SIM card application of the second terminal, and taking the target transfer amount as the transfer verification result.

[0144] Step S620: Send the target transfer amount to the SIM card application of the first terminal, so that the SIM card application of the first terminal cooperates with the payment application to perform transfer processing corresponding to the target transfer amount.

[0145] Step S622: receiving a verification failure result submitted by the SIM card application of the second terminal based on the transfer verification message.

[0146] Step S624: Send the verification failure result to the SIM card application of the first terminal, so that the payment application is locked based on the public key through the SIM card application of the first terminal.

[0147] After that, if an unlocking request sent by the payment application is received, the unlocking request will be sent to the SIM card application of the second terminal; based on the unlocking consent result returned by the SIM card application of the second terminal, the private key stored in the SIM card application of the second terminal is obtained; the private key is sent to the SIM card application of the first terminal, so that the SIM card application of the first terminal unlocks the payment application based on the private key.

[0148] Figure 8 A schematic diagram of a transaction verification processing device provided by an embodiment of the present invention is shown in FIG. Figure 8 As shown, the device comprises:

[0149] A user query module 802 is configured to obtain the transaction information to be verified of the first user, and query a second user who has established a transaction verification relationship with the first user;

[0150] The communication connection establishing module 804 is configured to establish a session communication connection with the SIM card application of the second terminal corresponding to the second user, and generate a transaction verification message according to the transaction information to be verified;

[0151] A message sending module 806, configured to send the transaction verification message to the SIM card application of the second terminal based on the session communication connection;

[0152] The transaction processing module 808 is configured to receive the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, and return the transaction verification result to the payment server to perform transaction processing corresponding to the transaction verification result.

[0153] The transaction verification processing device provided in this embodiment and the transaction verification processing method provided in this embodiment first obtain the transaction information to be verified of the first user, and query the second user who has established a transaction verification relationship with the first user, then establish a session communication connection with the SIM card application of the second terminal corresponding to the second user, and generate a transaction verification message according to the transaction information to be verified, and then send the transaction verification message to the SIM card application of the second terminal based on the session communication connection, and finally receive the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, thereby improving the security of online transactions and improving user experience.

[0154] The transaction verification processing device provided in one embodiment of this specification can implement each process in the aforementioned method embodiment and achieve the same functions and effects, which will not be repeated here.

[0155] Fig. 9 A schematic diagram of another transaction verification processing device provided by an embodiment of the present invention, such as Fig. 9 As shown, the device comprises:

[0156] The communication connection establishing module 902 is configured to establish a session communication connection with the SIM card server;

[0157] The message display module 904 is configured to receive and display a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified of the first user;

[0158] The verification result sending module 906 is configured to obtain the transaction verification result submitted by the second user for the transaction verification message, and send the transaction verification result to the SIM card server.

[0159] The transaction verification processing device provided in this embodiment and the transaction verification processing method provided in this embodiment first establish a session communication connection with a SIM card server, and then receive and display a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user, and finally the transaction verification result submitted by the second user for the transaction verification message is obtained, and the transaction verification result is sent to the SIM card server, thereby improving the security of online transactions and improving the user experience.

[0160] The transaction verification processing device provided in one embodiment of this specification can implement each process in the aforementioned method embodiment and achieve the same functions and effects, which will not be repeated here.

[0161] Furthermore, an embodiment of the present specification also provides a transaction verification processing device, Fig.10 A schematic diagram of a transaction verification processing device provided in an embodiment of this specification is shown in FIG. Fig.10 As shown, the device includes: a memory 1001, a processor 1002, a bus 1003 and a communication interface 1004. The memory 1001, the processor 1002 and the communication interface 1004 communicate via the bus 1003, and the communication interface 1004 may include an input and output interface, which includes but is not limited to a keyboard, a mouse, a display, a microphone, a loudspeaker, etc.

[0162] Fig.10 In the embodiment, the memory 1001 stores computer executable instructions that can be run on the processor 1002, and when the computer executable instructions are executed by the processor 1002, the following process is implemented:

[0163] Obtaining the transaction information to be verified of the first user, and querying the second user who has established a transaction verification relationship with the first user;

[0164] Establishing a session communication connection with a SIM card application of a second terminal corresponding to the second user, and generating a transaction verification message according to the transaction information to be verified;

[0165] sending the transaction verification message to the SIM card application of the second terminal based on the session communication connection;

[0166] Receive a transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message.

[0167] The transaction verification processing device provided in this embodiment, through the cooperation of the memory 1001, the processor 1002, the bus 1003 and the communication interface 1004, the transaction verification processing method provided in this embodiment, first obtains the transaction information to be verified of the first user, and queries the second user who has established a transaction verification relationship with the first user, then establishes a session communication connection with the SIM card application of the second terminal corresponding to the second user, and generates a transaction verification message according to the transaction information to be verified, and then sends the transaction verification message to the SIM card application of the second terminal based on the session communication connection, and finally receives the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, thereby improving the security of online transactions and improving user experience.

[0168] The transaction verification processing device provided in one embodiment of this specification can implement each process in the aforementioned method embodiment and achieve the same functions and effects, which will not be repeated here.

[0169] Furthermore, an embodiment of the present specification also provides another transaction verification processing device, Fig.11 A schematic diagram of a transaction verification processing device provided in an embodiment of this specification is shown in FIG. Fig.11 As shown, the device includes: a memory 1101, a processor 1102, a bus 1103 and a communication interface 1104. The memory 1101, the processor 1102 and the communication interface 1104 communicate through the bus 1103, and the communication interface 1104 may include an input and output interface, which includes but is not limited to a keyboard, a mouse, a display, a microphone, a loudspeaker, etc.

[0170] Fig.11 In the embodiment, the memory 1101 stores computer executable instructions that can be run on the processor 1102, and when the computer executable instructions are executed by the processor 1102, the following process is implemented:

[0171] Establishing a session communication connection with a SIM card server;

[0172] receiving and displaying a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user;

[0173] Obtain a transaction verification result submitted by the second user for the transaction verification message, and send the transaction verification result to the SIM card server.

[0174] The transaction verification processing device provided in this embodiment, through the cooperation of the memory 1101, the processor 1102, the bus 1103 and the communication interface 1104, the transaction verification processing method provided in this embodiment, first establishes a session communication connection with the SIM card server, and then receives and displays the transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user, and finally obtains the transaction verification result submitted by the second user for the transaction verification message, and sends the transaction verification result to the SIM card server, thereby improving the security of online transactions and improving the user experience.

[0175] The transaction verification processing device provided in one embodiment of this specification can implement each process in the aforementioned method embodiment and achieve the same functions and effects, which will not be repeated here.

[0176] Furthermore, an embodiment of the present specification also provides a computer-readable storage medium, wherein the computer-readable storage medium is used to store computer-executable instructions, and when the computer-executable instructions are executed by a processor, the following process is implemented:

[0177] Obtaining the transaction information to be verified of the first user, and querying the second user who has established a transaction verification relationship with the first user;

[0178] Establishing a session communication connection with a SIM card application of a second terminal corresponding to the second user, and generating a transaction verification message according to the transaction information to be verified;

[0179] sending the transaction verification message to the SIM card application of the second terminal based on the session communication connection;

[0180] Receive a transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message.

[0181] The computer-readable storage medium provided in this embodiment and the transaction verification processing method provided in this embodiment first obtain the transaction information to be verified of the first user, and query the second user who has established a transaction verification relationship with the first user, then establish a session communication connection with the SIM card application of the second terminal corresponding to the second user, and generate a transaction verification message according to the transaction information to be verified, and then send the transaction verification message to the SIM card application of the second terminal based on the session communication connection, and finally receive the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, thereby improving the security of online transactions and improving the user experience.

[0182] The computer-readable storage medium includes a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0183] The computer-readable storage medium provided in an embodiment of this specification can implement each process in the aforementioned method embodiment and achieve the same functions and effects, which will not be repeated here.

[0184] Furthermore, another embodiment of the present specification provides a computer-readable storage medium, wherein the computer-readable storage medium is used to store computer-executable instructions, and when the computer-executable instructions are executed by a processor, the following process is implemented:

[0185] Establishing a session communication connection with a SIM card server;

[0186] receiving and displaying a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user;

[0187] Obtain a transaction verification result submitted by the second user for the transaction verification message, and send the transaction verification result to the SIM card server.

[0188] The computer-readable storage medium provided in this embodiment and the transaction verification processing method provided in this embodiment first establish a session communication connection with the SIM card server, and then receive and display the transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user, and finally the transaction verification result submitted by the second user for the transaction verification message is obtained, and the transaction verification result is sent to the SIM card server, thereby improving the security of online transactions and improving the user experience.

[0189] The computer-readable storage medium includes a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0190] The computer-readable storage medium provided in an embodiment of this specification can implement each process in the aforementioned method embodiment and achieve the same functions and effects, which will not be repeated here.

[0191] Furthermore, an embodiment of the present specification also provides a computer program product, which implements the following process when executed by a processor:

[0192] Obtaining the transaction information to be verified of the first user, and querying the second user who has established a transaction verification relationship with the first user;

[0193] Establishing a session communication connection with a SIM card application of a second terminal corresponding to the second user, and generating a transaction verification message according to the transaction information to be verified;

[0194] sending the transaction verification message to the SIM card application of the second terminal based on the session communication connection;

[0195] Receive a transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message.

[0196] The computer program product provided in this embodiment first obtains the transaction information to be verified of the first user, and queries the second user who has established a transaction verification relationship with the first user, then establishes a session communication connection with the SIM card application of the second terminal corresponding to the second user, and generates a transaction verification message according to the transaction information to be verified, and then sends the transaction verification message to the SIM card application of the second terminal based on the session communication connection, and finally receives the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message, thereby improving the security of online transactions and improving user experience.

[0197] The computer program product provided in one embodiment of this specification can implement each process in the aforementioned method embodiment and achieve the same functions and effects, which will not be repeated here.

[0198] Furthermore, another embodiment of the present specification also provides a computer program product, which implements the following process when executed by a processor:

[0199] Establishing a session communication connection with a SIM card server;

[0200] receiving and displaying a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user;

[0201] Obtain a transaction verification result submitted by the second user for the transaction verification message, and send the transaction verification result to the SIM card server.

[0202] The computer program product provided in this embodiment first establishes a session communication connection with a SIM card server, and then receives and displays a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user, and finally obtains the transaction verification result submitted by the second user for the transaction verification message, and sends the transaction verification result to the SIM card server, thereby improving the security of online transactions and improving the user experience.

[0203] The computer program product provided in one embodiment of this specification can implement each process in the aforementioned method embodiment and achieve the same functions and effects, which will not be repeated here.

[0204] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0205] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, 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, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0206] These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0207] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0208] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0209] Memory may include non-permanent storage in a computer-readable storage medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable storage medium.

[0210] Computer-readable storage media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable storage media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.

[0211] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0212] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0213] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A transaction verification processing method, characterized in that: Applied to a SIM card server, the method comprises: Obtaining the transaction information to be verified of the first user, and querying the second user who has established a transaction verification relationship with the first user; Establishing a session communication connection with a SIM card application of a second terminal corresponding to the second user, and generating a transaction verification message according to the transaction information to be verified; sending the transaction verification message to the SIM card application of the second terminal based on the session communication connection; Receive a transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message.

2. The transaction verification processing method according to claim 1, characterized in that: The establishing a session communication connection of a SIM card application of a second terminal corresponding to the second user includes: generating an operation reminder message including the session communication number, and sending the operation reminder message to the SIM card application of the second terminal; If a communication connection request is received from the second user based on the session communication number included in the operation reminder message, the session communication connection is established.

3. The transaction verification processing method according to claim 1, characterized in that: The receiving the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message includes: Receiving a message confirmation result submitted by the SIM card application of the second terminal based on the transaction verification message; Calculating a verified amount based on the transaction amount included in the transaction information to be verified, and sending the verified amount to the SIM card application of the second terminal; Receive the target transaction amount determined by the second user based on the verified amount, which is returned by the SIM card application of the second terminal, and use the target transaction amount as the transaction verification result.

4. The transaction verification processing method according to claim 3, characterized in that: The calculating the verified amount based on the transaction amount included in the transaction information to be verified, and sending the verified amount to the SIM card application of the second terminal, includes: Calculate each verified amount based on a preset amount coefficient and the transaction amount in the transaction information to be verified; The amount list including the verified amounts is sent to the SIM card application of the second terminal.

5. The transaction verification processing method according to claim 3, characterized in that: After the target transaction amount is used as the transaction verification result, the method further includes: The target transaction amount is sent to the SIM card application of the first terminal, so that the SIM card application of the first terminal cooperates with the payment application to perform transaction processing corresponding to the target transaction amount.

6. The transaction verification processing method according to claim 2, characterized in that: The receiving the transaction verification result submitted by the SIM card application of the second terminal based on the transaction verification message includes: If a verification failure result submitted by the SIM card application of the second terminal based on the transaction verification message is received, the verification failure result is sent to the SIM card application of the first terminal, so that the payment application is locked based on the public key through the SIM card application of the first terminal.

7. A transaction verification processing method, characterized in that: Applied to a second terminal for installing a SIM card application, the method comprises: Establishing a session communication connection with the SIM card server; receiving and displaying a transaction verification message sent by the SIM card server based on the session communication connection; the transaction verification message is generated according to the transaction information to be verified by the first user; Obtain a transaction verification result submitted by the second user for the transaction verification message, and send the transaction verification result to the SIM card server.

8. The transaction verification processing method according to claim 7, characterized in that: The establishing of a session communication connection with the SIM card server includes: Receive and display an operation reminder message including a session communication number sent by the SIM card server; If a communication connection request initiated by the second user based on the session communication number is received, the session communication connection is established.

9. The transaction verification processing method according to claim 7, characterized in that: The obtaining the transaction verification result submitted by the second user for the transaction verification message, and sending the transaction verification result to the SIM card server includes: Obtaining a message confirmation result submitted by the second user for the transaction verification message, and sending the message confirmation result to the SIM card server; Receive and display the verified amount sent by the SIM card server; The target transaction amount of the second user determined based on the verified amount is obtained, and the target transaction amount is sent to the SIM card server.

10. The transaction verification processing method according to claim 9, characterized in that: The receiving and displaying the verified amount sent by the SIM card server includes: Receive and display the amount list including each verified amount sent by the SIM card server; Each verified amount is calculated based on a preset amount coefficient and the transaction amount in the transaction information to be verified.

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