One-button fund withdrawal and recharging method, device and equipment and storage medium

Abstract

The invention relates to the technical field of information processing, in particular to a one-button type fund withdrawal and recharging method, device and equipment and a storage medium, by obtaining a withdrawal and recharging request instruction initiated by a user side and analyzing the withdrawal and recharging request instruction, transaction amount information, deduction account information and recharging account information are obtained, the operation process is simplified, and the operation efficiency is improved. User input steps are reduced, the user experience is greatly improved, the validity of transaction amount information, deduction account information and recharge account information is verified, a password input by a user side is received, the to-be-authorized withdraw and recharge order is authorized according to the password, the safety and reliability of financial services are improved, and the user experience is greatly improved. And submitting a deduction task and a recharging task to the bank service platform according to the authorized withdrawal and recharging order, so that the user can complete the recharging and withdrawal operations of funds in a short time, the convenience and efficiency of the withdrawal and recharging of the funds are improved, the demand of the user for instant service is met, and the user satisfaction is improved.

Description

Technical Field

[0001] The present invention relates to the field of information processing technology, and in particular to a one-click fund withdrawal and recharge method, device, equipment and storage medium. Background Art

[0002] With the popularization of mobile payment and e-commerce, more and more logistics platform users are getting used to conducting financial transactions and consumption online. However, the current fund management method is cumbersome, the operation process is complicated, and multiple procedures and waiting time are required. Users cannot withdraw and recharge funds through simple clicks, and thus cannot quickly complete fund recharge and withdrawal operations through mobile phones or computers, which reduces the convenience and efficiency of fund withdrawal and recharge, fails to meet users' demand for instant services, and reduces user experience. In addition, the withdrawal and recharge information has not been verified, and withdrawal and recharge errors are prone to occur, which reduces the security and reliability of financial services and reduces user satisfaction. Summary of the invention

[0003] In order to overcome the shortcomings of the prior art, the purpose of the present invention is to provide a one-click fund withdrawal and recharge method, device, equipment and storage medium that simplifies the operation process, reduces user input steps, greatly improves the user experience, enables users to complete fund recharge and withdrawal operations in a short time, improves the convenience and efficiency of fund withdrawal and recharge, meets users' needs for instant services, improves the security and reliability of financial services, and improves user satisfaction.

[0004] The first aspect of the present invention provides a one-click fund withdrawal and recharge method, including: obtaining a withdrawal and recharge request instruction initiated by a user terminal, parsing the withdrawal and recharge request instruction to obtain transaction amount information, deduction account information and recharge account information; verifying the validity of the transaction amount information, the deduction account information and the recharge account information, and when the transaction amount information, the deduction account information and the recharge account information are all valid, creating a withdrawal and recharge order to be authorized; receiving a password entered by the user terminal, authorizing the withdrawal and recharge order to be authorized according to the password, and obtaining an authorized withdrawal and recharge order; submitting a deduction task and a recharge task to a bank service platform according to the authorized withdrawal and recharge order, and recording the order task execution result information returned by the bank service platform; pushing the order task execution result information to the user terminal, so that the user terminal generates and displays an order task execution result page based on the order task execution result information.

[0005] Optionally, in a first implementation method of the first aspect of the present invention, the method of obtaining a withdrawal / recharge request instruction initiated by a user terminal, parsing the withdrawal / recharge request instruction, and obtaining transaction amount information, deduction account information, and recharge account information includes: configuring a click selection page on the user terminal; creating a listener, and using the listener to listen to click information of the click selection page; when the click information is listened to, obtaining the click information, and generating a withdrawal / recharge request instruction based on the click information; parsing the withdrawal / recharge request instruction to obtain transaction amount information, deduction account information, and recharge account information.

[0006] Optionally, in a second implementation method of the first aspect of the present invention, the verification of the validity of the transaction amount information, the deduction account information and the recharge account information, when the transaction amount information, the deduction account information and the recharge account information are all valid, creating a withdrawal and recharge order to be authorized, including: verifying whether the transaction amount information is within a prescribed amount range to obtain a first verification result; verifying the account status of the deduction account information to obtain a second verification result; verifying the account status of the recharge account information to obtain a third verification result; when the first verification result, the second verification result and the third verification result are all valid, creating a withdrawal and recharge order to be authorized.

[0007] Optionally, in a third implementation method of the first aspect of the present invention, the receiving of the password entered by the user terminal, authorizing the withdrawal and recharge order to be authorized according to the password, and obtaining an authorized withdrawal and recharge order, includes: receiving the password entered by the user terminal; calling a preset user database to identify the pairing relationship between the user ID and the user password in the user database; verifying the consistency of the user terminal and the password based on the pairing relationship to obtain a verification result; when the verification result is passed, authorizing the withdrawal and recharge order to be authorized to obtain an authorized withdrawal and recharge order.

[0008] Optionally, in a fourth implementation method of the first aspect of the present invention, the deduction tasks and the recharge tasks are submitted to the bank service platform according to the authorized withdrawal and recharge order, and the order task execution result information returned by the bank service platform is recorded, including: submitting the deduction tasks and the recharge tasks to the bank service platform according to the authorized withdrawal and recharge order; obtaining the order initiation time from the timestamp service platform and identifying the order initiator; receiving the order task execution result information returned by the bank service platform; recording the order initiator and the order initiation time in the order task execution result information.

[0009] Optionally, in a fifth implementation method of the first aspect of the present invention, the order task execution result information is pushed to the user terminal so that the user terminal generates and displays an order task execution result page based on the order task execution result information, including: classifying the order task execution result information to obtain a classification result, the classification result including an execution success category and an execution failure category; when the classification result is an execution success category, a transaction ID is generated, and the order task execution result information and the transaction ID are pushed to the user terminal; when the classification result is an execution failure category, the reason for the execution failure is analyzed, and the order task execution result information and the reason for the execution failure are pushed to the user terminal.

[0010] Optionally, in a sixth implementation method of the first aspect of the present invention, after pushing the order task execution result information to the user terminal so that the user terminal generates and displays an order task execution result page based on the order task execution result information, it also includes: category marking the order task execution result information to obtain order task execution result marking information; encrypting the order task execution result information to obtain order task execution result encrypted information; and uploading the order task execution result encrypted information to the blockchain.

[0011] The second aspect of the present invention provides a one-click fund withdrawal and recharge device, including: an acquisition and analysis module, used to obtain a withdrawal and recharge request instruction initiated by a user terminal, analyze the withdrawal and recharge request instruction, and obtain transaction amount information, deduction account information and recharge account information; a verification and creation module, used to verify the validity of the transaction amount information, the deduction account information and the recharge account information, and when the transaction amount information, the deduction account information and the recharge account information are all valid, create a withdrawal and recharge order to be authorized; a receiving and authorization module, used to receive a password entered by the user terminal, and authorize the withdrawal and recharge order to be authorized according to the password to obtain an authorized withdrawal and recharge order; a submission record module, used to submit a deduction task and a recharge task to a bank service platform according to the authorized withdrawal and recharge order, and record the order task execution result information returned by the bank service platform; a push module, used to push the order task execution result information to the user terminal, so that the user terminal generates and displays an order task execution result page based on the order task execution result information.

[0012] Optionally, in a first implementation method of the second aspect of the present invention, the acquisition and parsing module includes: a configuration unit, used to configure a click selection page on the user side; a creation monitoring unit, used to create a listener, and use the listener to monitor the click information of the click selection page; an acquisition generation unit, used to acquire the click information when the click information is monitored, and generate a withdrawal and recharge request instruction based on the click information; a parsing unit, used to parse the withdrawal and recharge request instruction to obtain the transaction amount information, deduction account information and recharge account information.

[0013] Optionally, in a second implementation method of the second aspect of the present invention, the verification creation module includes: a first verification unit, used to verify whether the transaction amount information is within a prescribed amount range to obtain a first verification result; a second verification unit, used to verify the account status of the deduction account information to obtain a second verification result; a third verification unit, used to verify the account status of the recharge account information to obtain a third verification result; and a creation unit, used to create a withdrawal and recharge order to be authorized when the first verification result, the second verification result and the third verification result are all valid.

[0014] Optionally, in a third implementation method of the second aspect of the present invention, the authorization receiving module includes: a first receiving unit, used to receive the password entered by the user terminal; a calling identification unit, used to call a preset user database to identify the pairing relationship between the user ID and the user password in the user database; a verification unit, used to verify the consistency of the user terminal and the password based on the pairing relationship to obtain a verification result; and an authorization unit, used to authorize the withdrawal and recharge order to be authorized when the verification result is passed, and obtain an authorized withdrawal and recharge order.

[0015] Optionally, in a fourth implementation method of the second aspect of the present invention, the submission record module includes: a submission unit, used to submit deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge order; an acquisition and identification unit, used to obtain the order initiation time from the timestamp service platform and identify the order initiator; a second receiving unit, used to receive the order task execution result information returned by the bank service platform; a recording unit, used to record the order initiator and the order initiation time in the order task execution result information.

[0016] Optionally, in a fifth implementation method of the second aspect of the present invention, the push module includes: a classification unit, used to classify the order task execution result information to obtain a classification result, the classification result including an execution success category and an execution failure category; a generation push unit, used to generate a transaction ID when the classification result is an execution success category, and push the order task execution result information and the transaction ID to the user end; an analysis push unit, used to analyze the execution failure reason when the classification result is an execution failure category, and push the order task execution result information and the execution failure reason to the user end.

[0017] Optionally, in a sixth implementation method of the second aspect of the present invention, it also includes: a marking module, used to classify the order task execution result information to obtain order task execution result marking information; an encryption module, used to encrypt the order task execution result information to obtain order task execution result encrypted information; and an upload module, used to upload the order task execution result encrypted information to the blockchain.

[0018] The third aspect of the present invention provides a one-click cash withdrawal and recharge device, which includes: a memory and at least one processor, wherein instructions are stored in the memory; at least one of the processors calls the instructions in the memory so that the one-click cash withdrawal and recharge device executes each step of the one-click cash withdrawal and recharge method described in any one of the above items.

[0019] A fourth aspect of the present invention provides a computer-readable storage medium having instructions stored thereon, and when the instructions are executed by a processor, the various steps of any one of the above-mentioned one-click fund withdrawal and recharge methods are implemented.

[0020] In the technical solution of the present invention, by obtaining the withdrawal and recharge request instruction initiated by the user end, the withdrawal and recharge request instruction is parsed to obtain the transaction amount information, the deduction account information and the recharge account information, simplifying the operation process, reducing the user input steps, greatly improving the user experience, verifying the validity of the transaction amount information, the deduction account information and the recharge account information, receiving the password entered by the user end, authorizing the withdrawal and recharge order to be authorized according to the password, improving the security and reliability of financial services, submitting the deduction task and the recharge task to the bank service platform according to the authorized withdrawal and recharge order, allowing the user to complete the recharge and withdrawal operations of funds in a short time, improving the convenience and efficiency of fund withdrawal and recharge, meeting the user's demand for instant service, and improving user satisfaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1A first flow chart of a one-click fund withdrawal and recharge method provided by an embodiment of the present invention;

[0022] Figure 2 A second flow chart of the one-click fund withdrawal and recharge method provided by an embodiment of the present invention;

[0023] Figure 3 A third flow chart of the one-click fund withdrawal and recharge method provided by an embodiment of the present invention;

[0024] Figure 4 A fourth flow chart of the one-click fund withdrawal and recharge method provided by an embodiment of the present invention;

[0025] Figure 5 A schematic diagram of the structure of a one-touch fund withdrawal and recharge device provided by an embodiment of the present invention;

[0026] Figure 6 Another structural schematic diagram of a one-touch fund withdrawal and recharge device provided by an embodiment of the present invention;

[0027] Figure 7 A schematic diagram of the structure of a one-click fund withdrawal and recharge device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0028] The present invention provides a one-click fund withdrawal and recharge method, device, equipment and storage medium, which simplifies the operation process, reduces the user input steps, greatly improves the user experience, enables users to complete fund recharge and withdrawal operations in a short time, improves the convenience and efficiency of fund withdrawal and recharge, meets the user's demand for instant service, improves the security and reliability of financial services, and improves user satisfaction.

[0029] The terms "first", "second", "third", "fourth", etc. (if any) in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments described herein can be implemented in an order other than that illustrated or described herein. In addition, the terms "including" or "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0030] For ease of understanding, the specific process of the embodiment of the present invention is described below. Figure 1 , an embodiment of the one-click fund withdrawal and recharge method in the embodiment of the present invention includes:

[0031] 101. Obtain the withdrawal and recharge request instruction initiated by the user terminal, parse the withdrawal and recharge request instruction, and obtain the transaction amount information, deduction account information and recharge account information;

[0032] In this embodiment, it is ensured that users submit withdrawal and recharge requests through a secure and easy-to-use interface, use a standardized data format to receive requests, use a suitable parsing library or tool to convert the received instructions into an operable data structure, check the integrity and validity of the request, ensure that all necessary fields are provided, identify the transaction amount field from the parsed data structure, obtain the deduction account information from the data, and obtain the recharge account information from the data.

[0033] 102. Verify the validity of the transaction amount information, debit account information and recharge account information. If the transaction amount information, debit account information and recharge account information are all valid, create a withdrawal and recharge order to be authorized;

[0034] In this embodiment, it is necessary to confirm whether the transaction amount is within the minimum and maximum allowed ranges, ensure that the input amount is in a valid numeric format, for example, negative numbers or non-numeric characters are not allowed, check whether the user's account balance is sufficient for the transaction, especially when withdrawing money, ensure that the deduction account has sufficient funds, confirm whether the deduction account has been activated and can be used for transactions, check whether the account is frozen or in other restricted states, confirm whether the account supports withdrawal or recharge operations, confirm whether the recharge account has been activated and can receive funds, ensure that the recharge account is not frozen or restricted, and check whether the account supports fund reception. Only when the above three verification steps are successful can the order creation stage be entered.

[0035] 103. Receive the password input by the user, authorize the withdrawal or recharge order to be authorized according to the password, and obtain the authorized withdrawal or recharge order;

[0036] In this embodiment, a secure input box is provided to require the user to enter a password, and the password hiding function (such as asterisk display) is ensured to be used to enhance security. Basic client verification is added, such as checking whether the input is empty to avoid invalid requests. After receiving the password entered by the user, necessary encryption processing (such as hash function) is first performed to compare it with the encrypted password stored in the database to ensure that a strong encryption algorithm (such as SHA-256 or bcrypt) is used for password storage and comparison to prevent brute force cracking. If the password matches successfully, it is marked as authorized and the subsequent steps are continued. If the password does not match, an error message is returned to the user, prompting him to re-enter the password. Once the password verification is passed, the status of the withdrawal and recharge order is changed to "authorized", and the authorization time and operator information are recorded for subsequent auditing and tracking.

[0037] 104. Submit deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge orders, and record the order task execution result information sent back by the bank service platform;

[0038] In this embodiment, key information of authorized withdrawal and recharge orders is extracted, including order ID, user account, transaction amount, target account, etc., to ensure that all necessary information is complete and accurate, so as to initiate a request to the bank service platform. According to the API document of the bank service platform, the parameters required for the deduction request are constructed, and the parameters include user account information, transaction amount, order ID and notification callback address (for receiving results). The request is sent to the interface of the bank service platform using a suitable HTTP method (such as POST). A callback interface is set in the system to receive the deduction and recharge task execution results returned by the bank service platform, to ensure that the interface can handle different types of responses, such as success, failure or abnormal situations. After receiving the return result, the returned data is parsed to extract key fields, such as status code, error information (if any), order ID, etc. The corresponding order status is updated according to the return result. If the deduction and recharge are successful, the status is updated to "completed". If a failure occurs, the reason for the failure is recorded and the status is updated to "failure" or "abnormal".

[0039] 105. Push the order task execution result information to the user terminal, so that the user terminal generates and displays the order task execution result page based on the order task execution result information;

[0040] In this embodiment, the order task execution result information is pushed to the user end. In the user-end application, a receiving mechanism is established, the pushed data is parsed in the user end, the order execution result information is extracted, and the result page is designed. After receiving the push result, the page content is dynamically updated to ensure that the user can see the latest order status. The front-end framework (such as React, Vue, etc.) or native JavaScript is used to implement dynamic rendering of the interface, and status prompts are added to the user interface, such as "processing", "completed", "failed", etc., to guide users to understand the progress of the current operation. If the status is failed, a "retry" button can be provided, so that users can easily re-initiate the same order task. A history record function is provided in the result page, allowing users to view the execution status of previous order tasks.

[0041] In the embodiment of the present invention, by obtaining a withdrawal and recharge request instruction initiated by a user terminal, parsing the withdrawal and recharge request instruction, obtaining transaction amount information, deduction account information and recharge account information, simplifying the operation process, reducing user input steps, greatly improving user experience, verifying the validity of the transaction amount information, deduction account information and recharge account information, receiving a password entered by the user terminal, authorizing the withdrawal and recharge order to be authorized according to the password, improving the security and reliability of financial services, submitting deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge order, allowing users to complete fund recharge and withdrawal operations in a short time, improving the convenience and efficiency of fund withdrawal and recharge, meeting users' needs for instant services, and improving user satisfaction.

[0042] See also Figure 2 The second embodiment of the one-click fund withdrawal and recharge method in the embodiment of the present invention includes:

[0043] 201. Configure the click selection page on the user side;

[0044] In this embodiment, a responsive design is adopted to configure a click selection page on the user side to ensure that the page can be well displayed on different devices. A drop-down menu, radio button or multiple-choice box is used to allow users to intuitively select different order tasks. Icons or short descriptions can be used to help users understand the function of each option. A click event is added to each option. When the user selects an option, the corresponding logic is triggered. When the user clicks the option, instant feedback can be provided, such as highlighting the selected option or displaying a loading animation, indicating that the system is processing the request. State management tools (such as Redux, Vuex, etc.) or simple component states are used to save the user's selection. A "Confirm Selection" button is provided. The user needs to click this button to proceed to the next step after completing the selection. The button should be disabled when no option is selected to prevent invalid submission. After the user clicks "Confirm Selection", a loading state is displayed to prompt the user that his request is being processed. According to the user's selection, jump to the corresponding result display page to ensure smooth page jumps and maintain the user's context information so that the user can easily return. When an error occurs, a retry button can be provided to allow the user to reselect conveniently.

[0045] 202. Create a listener, and use the listener to monitor click information of the click selection page;

[0046] In this embodiment, according to the development framework used (such as JavaScript, Java, Android, etc.), a suitable listener type is selected, a function specifically for handling click events is created, how to handle user click behavior is defined, and it is ensured that the listener can accept the event object as a parameter in order to obtain detailed click information, determine the element that needs to listen to the click event, use a suitable method to bind the listener to the target element, obtain the coordinates of the mouse click through the event object, obtain the specific element clicked, and choose to record the click data, such as which options the user clicked, the time of the click, etc.

[0047] 203. When the click information is monitored, the click information is obtained, and a withdrawal and recharge request instruction is generated according to the click information;

[0048] In this embodiment, once the bound listener detects a click event, the corresponding event processing function will be triggered. In the event processing function, the event object is obtained through parameters to further extract relevant information, obtain the screen coordinates of the mouse click, determine the specific location of the user click, obtain the clicked element, determine its type (such as button, link, input box, etc.), extract the relevant attributes of the element, and construct a request object containing necessary fields based on the obtained click information. The amount entered by the user is obtained from the input box or corresponding element on the page, and the information of the deduction account and the recharge account (such as account ID) is extracted from the relevant elements. After the request instruction is constructed, it is prepared to be sent to the server or the processing module of the next stage.

[0049] 204. Parse the withdrawal and recharge request instruction to obtain transaction amount information, deduction account information, and recharge account information;

[0050] In this embodiment, instruction data is obtained from the received request, and according to the format of the request data (such as JSON), it is converted into an operable object using a corresponding parsing method to extract transaction amount information, deduction account information, and recharge account information.

[0051] 205. Verify whether the transaction amount information is within the prescribed amount range, and obtain a first verification result;

[0052] In this embodiment, the amount range is clearly specified, such as the minimum amount and the maximum amount, to ensure that the user can enter the transaction amount. Components such as text boxes and sliders can be used. When the user enters the amount, the input format is checked in real time to see if it is correct (such as a numeric format) to avoid non-numeric data from entering subsequent verification steps. The amount string entered by the user is converted to an appropriate data type (such as a floating point number) to facilitate subsequent comparison. If the conversion fails (for example, the user enters non-numeric characters), the user should be immediately prompted and asked to re-enter the amount. A conditional statement is used to check whether the input amount is within the specified range to obtain a first verification result.

[0053] 206. Verify the account status of the deduction account information to obtain a second verification result;

[0054] In this embodiment, a connection is established with the account database so that the deduction account information can be queried, and a query statement is constructed to obtain the status of the account. It is assumed that there is a field in the account status table, and possible statuses include "normal", "frozen", "closed", etc. If the query is successful, the returned field value is checked. If the account is not found, an error message is returned. Based on the query results, a return object is constructed to indicate the status of the account and its verification result, and a second verification result is obtained.

[0055] 207. Verify the account status of the recharge account information and obtain a third verification result;

[0056] In this embodiment, a connection is established with the account database so that the recharge account information can be queried, and a query statement is constructed to obtain the status of the account. It is assumed that there is a field in the account status table, and possible statuses include "normal", "frozen", "closed", etc. If the query is successful, the returned field value is checked. If the account is not found, an error message is returned. Based on the query results, a return object is constructed to indicate the status of the account and its verification result, and a third verification result is obtained.

[0057] 208. When the first verification result, the second verification result and the third verification result are all valid, a withdrawal and recharge order to be authorized is created;

[0058] In this embodiment, ensure that the results of the first, second and third verifications have been obtained and stored in variables, and use logical operators to check whether the three verification results are all "valid". When the first verification result, the second verification result and the third verification result are all valid, a withdrawal and recharge order to be authorized is created.

[0059] In the embodiment of the present invention, the user only needs to perform simple operations by clicking on the selection page, which reduces the complexity of operations and improves user-friendliness. Through the listener, the system can flexibly monitor the user's specific operations, which is convenient for subsequent function expansion or optimization. Through multiple verifications of the transaction amount, deduction account and recharge account, the risk of errors and fraud can be effectively reduced to ensure the security of transactions. Parsing withdrawal and recharge request instructions into specific information helps to ensure the structuring of data, which is convenient for subsequent auditing and analysis. After completing all verifications, creating a withdrawal and recharge order to be authorized can effectively manage the transaction process, facilitate subsequent tracking and processing, and effectively reduce the risk of transaction failure due to information errors by gradually verifying each piece of information.

[0060] See also Figure 3 The third embodiment of the one-click fund withdrawal and recharge method in the embodiment of the present invention includes:

[0061] 301. Receive a password input by a user terminal;

[0062] In this embodiment, an input box is created to receive the user password. Ensure that the input box type is "password" to hide the input characters. Before the user submits the password, basic format verification is performed, such as checking whether it is empty, whether the length meets the requirements, etc. When the user submits the form, the password entered by the user is captured and subsequently processed. Before sending the password, the password is hashed or encrypted to improve security, and the processed password is sent to the server for verification.

[0063] 302. Calling a preset user database to identify a pairing relationship between a user ID and a user password in the user database;

[0064] In this embodiment, before performing pairing relationship identification, it is necessary to obtain the user ID and password input from the user, ensure that a secure connection is established with the database storing user information, use an appropriate method to process the database connection, construct a query statement using the user ID input by the user to find the password corresponding to the user ID, query the database to obtain the password corresponding to the input user ID, and construct a return object based on the query result and the password comparison result, indicating the status of the user verification and related information.

[0065] 303. Verify the consistency of the user terminal and the password based on the pairing relationship to obtain a verification result;

[0066] In this embodiment, a secure data storage system is established on the server side to save user information and its corresponding password (usually a hash value). When the user enters the username and password on the front end, these two pieces of information are collected for subsequent verification, and the username and password (after hashing) entered by the user are sent together to the server for verification. The server receives the request containing the username and password hash, searches the database for the corresponding user record based on the username, compares the password hash entered by the user with the password hash stored in the database, and returns the verification result (success or failure) to the front end.

[0067] 304. When the verification result is passed, the withdrawal and recharge order to be authorized is authorized to obtain the authorized withdrawal and recharge order;

[0068] In this embodiment, it is ensured that only authenticated users can initiate withdrawal or recharge requests. When the verification result is passed, the withdrawal or recharge order to be authorized is authorized to obtain an authorized withdrawal or recharge order.

[0069] 305. Submit deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge orders;

[0070] In this embodiment, according to the API requirements of the banking service platform, the request data for deduction and recharge, including user information, amount, order number, etc., are prepared, the prepared deduction and recharge request data are sent to the banking service platform, and the response is processed, the bank's response is received, and it is confirmed whether the request is successful. If successful, the order status is updated to "completed". If it fails, the error message is recorded and the user is notified, and the detailed information of each deduction or recharge operation is recorded in the system log for subsequent audit and backtracking.

[0071] 306. Obtain the order initiation time from the timestamp service platform and identify the order initiator;

[0072] In this embodiment, before performing a timestamp query, it is necessary to extract a unique identifier related to the order (such as an order ID) from the system, confirm the API interface of the timestamp service platform and the required authentication information, construct a request to query the initiation time of a specific order according to the documentation of the timestamp service platform, and after receiving a response from the timestamp service platform, check the returned status code and data content. If the request is successful, extract the initiation time and detailed information of the initiator (such as user ID or name) from the response, confirm the legitimacy of the initiator ID by searching the user database, ensure the validity of the user in the system, and encapsulate the order initiation time and initiator information into an object for subsequent processing or feedback to the user.

[0073] 307. Receive the order task execution result information sent back by the bank service platform;

[0074] In this embodiment, according to the design of the bank service platform, it is decided whether to use Webhook (push) or polling (pull) to receive the order execution results. An interface is created on the server to process the HTTP POST request from the bank, and key information is extracted, such as order ID, status, amount, error information, etc. According to the received status information, the order record in the system is updated. If the task fails, corresponding measures are taken according to the returned error information, such as logging, notifying the user, or attempting to retry. The task execution results received each time are recorded in the system log for subsequent audit and analysis.

[0075] 308. Record the order initiator and order initiation time into the order task execution result information;

[0076] In this embodiment, in the received order task execution result information, ensure that there are enough fields to store the order initiator information and the initiation time. When the order execution result is received, the initiator and the initiation time information is extracted and stored in the database or related records. When processing the order status, the initiator and the initiation time are recorded in the corresponding order information.

[0077] In the embodiment of the present invention, by receiving the password input by the user and matching it with the password in the database, it is ensured that only legitimate users can perform withdrawal and recharge operations. The user identity can be effectively identified through the pairing relationship between the user ID and the password, and the credibility and security of the system are enhanced. The withdrawal and recharge authorizations are combined into one transaction process, which reduces the complexity of operations and improves the user experience. By receiving the execution result information of the bank service platform, the transaction status can be timely understood and corresponding measures can be taken to obtain the initiation time of the order and identify the initiator, which is helpful for subsequent auditing and tracking, and improves the transparency and traceability of the system. Through integration with the bank service platform, the deduction and recharge operations can be effectively completed, and the functionality of the system is improved. The accurate timestamp is obtained by using external services, which reduces the problems caused by the internal clock error of the system, and the order initiator and initiation time are recorded in the execution result, which provides a basis for subsequent data analysis, risk control and customer service.

[0078] See also Figure 4 The fourth embodiment of the one-click fund withdrawal and recharge method in the embodiment of the present invention includes:

[0079] 401. Classify the order task execution result information to obtain a classification result, where the classification result includes a successful execution category and a failed execution category;

[0080] In this embodiment, according to the status of the order execution results, the results are divided into two categories, including a successful execution category and a failed execution category. The successful execution category is an order with a status of "success", and the failed execution category is an order with a status of "failure". A function is created to process the order execution results and classify them according to the status. After receiving the order execution result information, the classification function is called for classification, and a list of successful and failed orders is obtained.

[0081] 402. When the classification result is a successful execution category, a transaction ID is generated, and the order task execution result information and the transaction ID are pushed to the user end;

[0082] In this embodiment, when the classification result is an execution success category, a unique transaction ID is generated for the order. UUID or other generation rules can be used to ensure its uniqueness. The generated transaction ID is added to the order information, and the message to be pushed is prepared to push the execution result and transaction ID of the order to the user end.

[0083] 403. When the classification result is an execution failure category, the execution failure reason is analyzed, and the order task execution result information and the execution failure reason are pushed to the user end;

[0084] In this embodiment, when the classification result is an execution failure category, the failed order is analyzed to determine the cause of the failure. It can be classified according to different types of errors (such as network problems, insufficient funds, verification failure, etc.), and the order execution result information is combined with the analyzed failure cause and prepared to be pushed to the user. A message containing the order information and the failure cause is pushed to the user end, which can be achieved by sending a message, calling an API or other methods.

[0085] 404. Classify and mark the order task execution result information to obtain order task execution result mark information;

[0086] In this embodiment, different execution result categories are determined according to business needs, including "successful" and "failed" execution result categories, and a machine learning model is used to judge the execution result category. The execution result of each order task is looped, and the above classification logic is applied to add a corresponding category tag to each result. A statistical report is generated based on the tag information to help managers understand the task execution status. For example, the success rate, failure rate, etc. can be counted.

[0087] 405. Encrypt the order task execution result information to obtain the order task execution result encrypted information;

[0088] In this embodiment, select a suitable encryption algorithm, such as symmetric encryption (e.g., AES) or asymmetric encryption (e.g., RSA), select a secure key, set the encryption mode (e.g., CBC or GCM), ensure that there is an initialization vector (IV), write an encryption function, convert the order task execution result information into an encrypted format, call the above encryption function, encrypt the order task execution result information, and obtain the order task execution result encrypted information.

[0089] 406. Upload the encrypted information of the order task execution result to the blockchain;

[0090] In this embodiment, a suitable blockchain platform is selected, a public chain or a private chain is selected according to needs, and a smart contract is written to process the uploaded encrypted information, including storage, query and verification functions. The written smart contract is deployed to the selected blockchain network to ensure that the contract address is recorded. The storage function in the smart contract is called through Web3.js or other SDKs, and the encrypted order execution results are uploaded to the blockchain. The transaction status is confirmed on the blockchain to ensure that the data has been successfully stored. The query function of the smart contract can be called to verify whether the data is stored correctly.

[0091] In the embodiment of the present invention, by classifying the order task execution result information, successful and failed orders can be quickly identified to improve processing efficiency. Different categories of information are processed in different ways, and corresponding measures can be taken in a more targeted manner to optimize resource utilization. For orders in the successful category, a transaction ID is immediately generated and pushed to the user, so that the user can use the transaction ID to query specific information. For the failed category, by analyzing the reasons and feeding back to the user, the user can understand the problem and enhance trust. In-depth analysis of the reasons for the execution failure provides a basis for subsequent improvements. The order task execution results are marked to facilitate subsequent data tracking and management, and support better data analysis. By encrypting the execution result information, user data privacy is protected and potential data leakage risks are reduced. The encrypted information is uploaded to the blockchain to ensure the transparency and security of the information. The tamper-proof feature enhances the credibility of the system. Blockchain technology can be used to achieve decentralized data storage, improve data reliability and security, and reduce the risk of single point failures.

[0092] The one-click cash withdrawal and recharge method in the embodiment of the present invention is described above. The one-click cash withdrawal and recharge device in the embodiment of the present invention is described below. Figure 5 In one embodiment of the present invention, a one-key fund withdrawal and recharge device includes:

[0093] The acquisition and analysis module 501 is used to obtain the withdrawal and recharge request instruction initiated by the user terminal, analyze the withdrawal and recharge request instruction, and obtain the transaction amount information, the deduction account information and the recharge account information;

[0094] Verification creation module 502, used to verify the validity of transaction amount information, deduction account information and recharge account information. When the transaction amount information, deduction account information and recharge account information are all valid, a withdrawal and recharge order to be authorized is created;

[0095] The authorization receiving module 503 is used to receive the password input by the user terminal, authorize the withdrawal and recharge order to be authorized according to the password, and obtain the authorized withdrawal and recharge order;

[0096] The submission record module 504 is used to submit the deduction task and the recharge task to the bank service platform according to the authorized withdrawal and recharge order, and record the order task execution result information returned by the bank service platform;

[0097] The push module 505 is used to push the order task execution result information to the user end, so that the user end generates and displays the order task execution result page based on the order task execution result information.

[0098] In this embodiment, by obtaining the withdrawal and recharge request instruction initiated by the user end, parsing the withdrawal and recharge request instruction, obtaining the transaction amount information, deduction account information and recharge account information, simplifying the operation process, reducing the user input steps, greatly improving the user experience, verifying the validity of the transaction amount information, deduction account information and recharge account information, receiving the password entered by the user end, authorizing the withdrawal and recharge order to be authorized according to the password, improving the security and reliability of financial services, submitting deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge order, allowing users to complete the recharge and withdrawal operations of funds in a short time, improving the convenience and efficiency of fund withdrawal and recharge, meeting the user's demand for instant service, and improving user satisfaction.

[0099] See also Figure 6 Another embodiment of the one-key fund withdrawal and recharge device in the embodiment of the present invention includes:

[0100] The acquisition and analysis module 501 is used to obtain the withdrawal and recharge request instruction initiated by the user terminal, analyze the withdrawal and recharge request instruction, and obtain the transaction amount information, the deduction account information and the recharge account information;

[0101] Verification creation module 502, used to verify the validity of transaction amount information, deduction account information and recharge account information. When the transaction amount information, deduction account information and recharge account information are all valid, a withdrawal and recharge order to be authorized is created;

[0102] The authorization receiving module 503 is used to receive the password input by the user terminal, authorize the withdrawal and recharge order to be authorized according to the password, and obtain the authorized withdrawal and recharge order;

[0103] The submission record module 504 is used to submit the deduction task and the recharge task to the bank service platform according to the authorized withdrawal and recharge order, and record the order task execution result information returned by the bank service platform;

[0104] The push module 505 is used to push the order task execution result information to the user end, so that the user end generates and displays the order task execution result page based on the order task execution result information;

[0105] In this embodiment, the acquisition and analysis module 501 includes: a configuration unit 5011, which is used to configure a click selection page on the user side; a creation monitoring unit 5012, which is used to create a listener, and use the listener to monitor the click information of the click selection page; an acquisition generation unit 5013, which is used to obtain the click information when the click information is monitored, and generate a withdrawal and recharge request instruction according to the click information; a parsing unit 5014, which is used to parse the withdrawal and recharge request instruction to obtain the transaction amount information, the deduction account information and the recharge account information.

[0106] In this embodiment, the verification creation module 502 includes: a first verification unit 5021, which is used to verify whether the transaction amount information is within the prescribed amount range to obtain a first verification result; a second verification unit 5022, which is used to verify the account status of the deduction account information to obtain a second verification result; a third verification unit 5023, which is used to verify the account status of the recharge account information to obtain a third verification result; a creation unit 5024, which is used to create a withdrawal and recharge order to be authorized when the first verification result, the second verification result and the third verification result are all valid.

[0107] In this embodiment, the authorization receiving module 503 includes: a first receiving unit 5031, used to receive the password input by the user terminal; a calling identification unit 5032, used to call a preset user database and identify the pairing relationship between the user ID and the user password in the user database; a verification unit 5033, used to verify the consistency of the user terminal and the password based on the pairing relationship to obtain a verification result; an authorization unit 5034, used to authorize the withdrawal and recharge order to be authorized when the verification result is passed, and obtain an authorized withdrawal and recharge order.

[0108] In this embodiment, the submission record module 504 includes: a submission unit 5041, which is used to submit deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge orders; an acquisition and identification unit 5042, which is used to obtain the order initiation time from the timestamp service platform and identify the order initiator; a second receiving unit 5043, which is used to receive the order task execution result information returned by the bank service platform; a recording unit 5044, which is used to record the order initiator and the order initiation time in the order task execution result information.

[0109] In this embodiment, the push module 505 includes: a classification unit 5051, which is used to classify the order task execution result information to obtain a classification result, and the classification result includes an execution success category and an execution failure category; a generation push unit 5052, which is used to generate a transaction ID when the classification result is an execution success category, and push the order task execution result information and the transaction ID to the user end; an analysis push unit 5053, which is used to analyze the execution failure reason when the classification result is an execution failure category, and push the order task execution result information and the execution failure reason to the user end.

[0110] In this embodiment, it also includes: a marking module 506, which is used to classify the order task execution result information to obtain the order task execution result marking information; an encryption module 507, which is used to encrypt the order task execution result information to obtain the order task execution result encrypted information; an uploading module 508, which is used to upload the order task execution result encrypted information to the blockchain.

[0111] above Figure 5 and Figure 6 The one-click fund withdrawal and recharge device in the embodiment of the present invention is described in detail from the perspective of modular functional entities. The one-click fund withdrawal and recharge device in the embodiment of the present invention is described in detail from the perspective of hardware processing.

[0112] Figure 76 is a schematic diagram of the structure of a one-click cash withdrawal and recharge device provided by an embodiment of the present invention. The one-click cash withdrawal and recharge device 600 may have relatively large differences due to different configurations or performances, and may include one or more processors (central processing units, CPU) 610 (for example, one or more processors) and a memory 620, and one or more storage media 630 (for example, one or more mass storage devices) storing application programs 633 or data 632. Among them, the memory 620 and the storage medium 630 can be short-term storage or permanent storage. The program stored in the storage medium 630 may include one or more modules (not shown in the figure), and each module may include a series of instruction operations in the one-click cash withdrawal and recharge device 600. Furthermore, the processor 610 can be configured to communicate with the storage medium 630, and execute a series of instruction operations in the storage medium 630 on the one-click cash withdrawal and recharge device 600 to implement the steps of the one-click cash withdrawal and recharge method provided by the above-mentioned method embodiments.

[0113] The one-touch cash withdrawal and recharge device 600 may also include one or more power supplies 640, one or more wired or wireless network interfaces 650, one or more input and output interfaces 660, and / or one or more operating systems 631, such as Windows Serve, Mac OS X, Unix, Linux, FreeBSD, etc. It will be appreciated by those skilled in the art that Figure 7 The structure of the one-click cash withdrawal and recharge device shown does not constitute a limitation on the one-click cash withdrawal and recharge device, and may include more or fewer components than shown in the figure, or combine certain components, or arrange the components differently.

[0114] The present invention also provides a computer-readable storage medium, which may be a non-volatile computer-readable storage medium or a volatile computer-readable storage medium. Instructions are stored in the computer-readable storage medium. When the instructions are executed on a computer, the computer executes the steps of a one-click fund withdrawal and recharge method.

[0115] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working process of the above-described system, device, or unit can refer to the corresponding process in the aforementioned method embodiment and will not be repeated here.

[0116] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM), random access memory (RAM), disk or optical disk and other media that can store program codes.

[0117] Finally, it should be noted that the above description is only a preferred example of the present invention and is not intended to limit the present invention. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art can still modify the technical solutions described in the aforementioned embodiments or replace some of the technical features therein by equivalents. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A one-click cash withdrawal and recharge method, characterized in that: include: Obtaining a withdrawal / recharge request instruction initiated by a user terminal, parsing the withdrawal / recharge request instruction, and obtaining transaction amount information, deduction account information, and recharge account information; Verify the validity of the transaction amount information, the deduction account information and the recharge account information, and when the transaction amount information, the deduction account information and the recharge account information are all valid, create a withdrawal and recharge order to be authorized; Receiving the password input by the user terminal, authorizing the withdrawal and recharge order to be authorized according to the password, and obtaining the authorized withdrawal and recharge order; Submitting deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge orders, and recording the order task execution result information returned by the bank service platform; The order task execution result information is pushed to the user end, so that the user end generates and displays an order task execution result page based on the order task execution result information.

2. The one-click fund withdrawal and recharge method according to claim 1, characterized in that: The method of obtaining a withdrawal / recharge request instruction initiated by a user terminal, parsing the withdrawal / recharge request instruction, and obtaining transaction amount information, deduction account information, and recharge account information includes: Configure the click selection page on the user side; Create a listener, and use the listener to monitor the click information of the click selection page; When the click information is monitored, the click information is obtained, and a withdrawal and recharge request instruction is generated according to the click information; The withdrawal and recharge request instruction is parsed to obtain transaction amount information, deduction account information and recharge account information.

3. The one-click cash withdrawal and recharge method according to claim 1, characterized in that: The verifying the validity of the transaction amount information, the deduction account information and the recharge account information, and when the transaction amount information, the deduction account information and the recharge account information are all valid, creating a withdrawal recharge order to be authorized, includes: Verifying whether the transaction amount information is within a specified amount range, and obtaining a first verification result; Verifying the account status of the deduction account information to obtain a second verification result; Verifying the account status of the recharge account information to obtain a third verification result; When the first verification result, the second verification result and the third verification result are all valid, a withdrawal and recharge order to be authorized is created.

4. The one-click cash withdrawal and recharge method according to claim 1, characterized in that: The receiving the password input by the user terminal, authorizing the withdrawal and recharge order to be authorized according to the password, and obtaining the authorized withdrawal and recharge order includes: receiving a password input by the user terminal; Calling a preset user database to identify a pairing relationship between a user ID and a user password in the user database; Verifying the consistency between the user terminal and the password based on the pairing relationship to obtain a verification result; When the verification result is passed, the withdrawal and recharge order to be authorized is authorized to obtain an authorized withdrawal and recharge order.

5. The one-click fund withdrawal and recharge method according to claim 1, characterized in that: Submitting a deduction task and a recharge task to the bank service platform according to the authorized withdrawal and recharge order, and recording the order task execution result information returned by the bank service platform, includes: Submitting deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge orders; Obtain the order initiation time from the timestamp service platform and identify the order initiator; Receiving the order task execution result information returned by the bank service platform; The order initiator and the order initiation time are recorded in the order task execution result information.

6. The one-click cash withdrawal and recharge method according to claim 1, characterized in that: The step of pushing the order task execution result information to the user terminal so that the user terminal generates and displays an order task execution result page based on the order task execution result information includes: Classifying the order task execution result information to obtain a classification result, wherein the classification result includes an execution success category and an execution failure category; When the classification result is a successful execution category, a transaction ID is generated, and the order task execution result information and the transaction ID are pushed to the user terminal; When the classification result is an execution failure category, the execution failure reason is analyzed, and the order task execution result information and the execution failure reason are pushed to the user end.

7. The one-click cash withdrawal and recharge method according to claim 1, characterized in that: After the order task execution result information is pushed to the user terminal so that the user terminal generates and displays an order task execution result page based on the order task execution result information, the method further includes: Marking the order task execution result information by category to obtain order task execution result marking information; Encrypting the order task execution result information to obtain order task execution result encrypted information; The encrypted information of the order task execution result is uploaded to the blockchain.

8. A one-click fund withdrawal and recharge device, characterized in that: include: The acquisition and analysis module is used to obtain the withdrawal and recharge request instruction initiated by the user end, analyze the withdrawal and recharge request instruction, and obtain the transaction amount information, deduction account information and recharge account information; A verification creation module, used to verify the validity of the transaction amount information, the deduction account information and the recharge account information, and when the transaction amount information, the deduction account information and the recharge account information are all valid, create a withdrawal recharge order to be authorized; The authorization receiving module is used to receive the password input by the user terminal, authorize the withdrawal and recharge order to be authorized according to the password, and obtain the authorized withdrawal and recharge order; A submission record module, used to submit deduction tasks and recharge tasks to the bank service platform according to the authorized withdrawal and recharge order, and record the order task execution result information returned by the bank service platform; The push module is used to push the order task execution result information to the user terminal, so that the user terminal generates and displays the order task execution result page based on the order task execution result information.

9. A one-click fund withdrawal and recharge device, characterized in that: The one-click fund withdrawal and recharge device comprises: a memory and at least one processor, wherein the memory stores instructions; At least one of the processors calls the instructions in the memory to enable the one-click cash withdrawal and recharge device to perform each step of the one-click cash withdrawal and recharge method as described in any one of claims 1-7.

10. A computer-readable storage medium having instructions stored thereon, characterized in that: When the instructions are executed by the processor, the various steps of the one-click fund withdrawal and recharge method as described in any one of claims 1-7 are implemented.

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