Transaction request processing method and device, equipment and storage medium

Abstract

The embodiment of the invention provides a transaction request processing method and device, equipment and a storage medium, and relates to the field of network security. The method comprises the following steps: in response to a transaction request sent by user equipment held by a user, performing signature verification processing on the transaction request to obtain a verified transaction request; payment gateway channel information corresponding to the verified transaction request is determined; determining a target format corresponding to the payment gateway channel information; according to the target format, performing conversion processing on the verified transaction request to obtain a transaction processing instruction conforming to the target format; sending the transaction processing instruction to a payment gateway corresponding to the payment gateway channel information; receiving a transaction processing result sent by the payment gateway; and forwarding the transaction processing result to the user equipment. The method is used for achieving the effects of quickly verifying and processing the transaction request and improving the transaction processing speed.

Description

Technical Field

[0001] The present application relates to the field of network security, and in particular to a transaction request processing method, device, equipment and storage medium. Background Art

[0002] For the acquiring business of financial institutions, based on the transaction request initiated by the user or merchant, the acquiring institution processes the transaction request and feeds back the processing results to complete the acquiring process.

[0003] In the prior art, the user sends a transaction request to an acquiring institution based on a user device. The acquiring institution forwards the authorization request to the card issuer through the payment network. The card issuer verifies the transaction request and sends an approval or rejection authorization response to the acquiring institution through the payment network. The acquiring institution then passes the authorization response to the user device for settlement processing. The acquiring institution sends the transaction information to the card issuer through the payment network for settlement. The card issuer transfers the funds to the acquiring institution to complete the acquiring and clearing processing.

[0004] However, in the above method, since multiple parties are involved, the transaction request processing time is long, and abnormal situations such as data leakage and tampering are prone to occur, which in turn leads to slow processing speed and insufficient security in the transaction request processing process. Summary of the invention

[0005] The embodiments of the present application provide a transaction request processing method, apparatus, device and storage medium to achieve the technical effect of improving payment security during payment transaction request processing.

[0006] In a first aspect, an embodiment of the present application provides a method for processing a transaction request, including:

[0007] In response to a transaction request sent by a user device held by a user, performing signature verification processing on the transaction request to obtain a verified transaction request;

[0008] Determine the payment gateway channel information corresponding to the verified transaction request; and determine the target format corresponding to the payment gateway channel information; wherein the target format is a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information;

[0009] According to the target format, the verified transaction request is converted to obtain a transaction processing instruction that conforms to the target format; wherein the transaction processing instruction includes a transaction type and a transaction amount;

[0010] Sending the transaction processing instruction to the payment gateway corresponding to the payment gateway channel information; wherein the transaction processing instruction is used to generate a transaction processing result; the transaction processing result indicates whether the transaction is successful;

[0011] Receive the transaction processing result sent by the payment gateway; and forward the transaction processing result to the user device.

[0012] In a possible implementation, sending the transaction processing instruction to the payment gateway corresponding to the payment gateway channel information includes:

[0013] Determining the priority of the transaction processing instruction according to the risk information of the verified transaction request; wherein the risk information represents the risk level of the transaction operation corresponding to the transaction request;

[0014] Calling an encryption machine, and encrypting the transaction processing instruction based on the encryption machine to obtain an encrypted transaction processing instruction;

[0015] The encrypted transaction processing instruction is sent to the payment gateway.

[0016] In a possible implementation, the method further includes:

[0017] The risk information of the verified transaction request is determined according to the transaction information in the verified transaction request; wherein the transaction information includes the transaction amount and the transaction location.

[0018] In a possible implementation, performing signature verification processing on the transaction request to obtain a verified transaction request includes:

[0019] Calling an encryption machine, and decrypting the transaction request based on the encryption machine to obtain a decrypted transaction request;

[0020] The decrypted transaction request is verified to obtain the verified transaction request.

[0021] In a possible implementation, based on the encryption machine, decrypting the transaction request to obtain the decrypted transaction request includes:

[0022] Based on the encryption machine, the transaction request is subjected to signature verification processing to obtain a transaction request after signature verification;

[0023] The signature-verified transaction request is parsed to obtain the decrypted transaction request.

[0024] In a possible implementation manner, performing verification processing on the decrypted transaction request to obtain the verified transaction request includes:

[0025] Verifying the format of the decrypted transaction request; and verifying the validity of the signature of the decrypted transaction request;

[0026] The first key information in the decrypted transaction request is verified; wherein the first key information includes user information, transaction amount and transaction type.

[0027] In a possible implementation, forwarding the transaction processing result to the user device includes:

[0028] Calling an encryption machine, and based on the encryption machine, decrypting the transaction processing result to obtain a decrypted transaction processing result;

[0029] Performing verification and analysis on the decrypted transaction processing result to obtain an analysis result; wherein the analysis result includes the second key information in the decrypted transaction processing result; wherein the second key information includes the transaction status and the transaction serial number;

[0030] Generate a transaction result notification according to the analysis result; and forward the transaction result notification to the user device;

[0031] A transaction record is generated according to the transaction result notification, and a database is updated according to the transaction record.

[0032] In a second aspect, an embodiment of the present application provides a transaction request processing device, including:

[0033] A verification module, configured to respond to a transaction request sent by a user device held by a user, perform signature verification processing on the transaction request, and obtain a verified transaction request;

[0034] A determination module, used to determine the payment gateway channel information corresponding to the verified transaction request; and determine the target format corresponding to the payment gateway channel information; wherein the target format is a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information;

[0035] A conversion module, configured to convert the verified transaction request according to the target format to obtain a transaction processing instruction conforming to the target format; wherein the transaction processing instruction includes a transaction type and a transaction amount;

[0036] A sending module, used for sending the transaction processing instruction to the payment gateway corresponding to the payment gateway channel information; wherein the transaction processing instruction is used to generate a transaction processing result; the transaction processing result indicates whether the transaction is successful;

[0037] The forwarding module is used to receive the transaction processing result sent by the payment gateway; and forward the transaction processing result to the user device.

[0038] In a possible implementation, the sending module is specifically used to: determine the priority of the transaction processing instruction based on the risk information of the verified transaction request; wherein the risk information represents the risk level of the transaction operation corresponding to the transaction request; call an encryption machine, and based on the encryption machine, encrypt the transaction processing instruction to obtain an encrypted transaction processing instruction; and send the encrypted transaction processing instruction to the payment gateway.

[0039] In a possible implementation manner, the sending module is further specifically used to: determine the risk information of the verified transaction request according to the transaction information in the verified transaction request; wherein the transaction information includes the transaction amount and the transaction location.

[0040] In a possible implementation, the verification module is specifically used to: call an encryption machine, and based on the encryption machine, decrypt the transaction request to obtain a decrypted transaction request; and verify the decrypted transaction request to obtain the verified transaction request.

[0041] In a possible implementation, the verification module is specifically used to: based on the encryption machine, perform signature verification processing on the transaction request to obtain the transaction request after signature verification; perform parsing processing on the transaction request after signature verification to obtain the decrypted transaction request.

[0042] In a possible implementation, the verification module is further specifically used to: verify the format of the decrypted transaction request; verify the validity of the signature of the decrypted transaction request; verify the first key information in the decrypted transaction request; wherein the first key information includes user information, transaction amount and transaction type.

[0043] In a possible implementation, the forwarding module is specifically used to: call an encryption machine, and based on the encryption machine, decrypt the transaction processing result to obtain a decrypted transaction processing result; verify and parse the decrypted transaction processing result to obtain a parsing result; wherein the parsing result includes the second key information in the decrypted transaction processing result; wherein the second key information includes a transaction status and a transaction serial number; generate a transaction result notification based on the parsing result; and forward the transaction result notification to the user device; generate a transaction record based on the transaction result notification, and update a database based on the transaction record.

[0044] In a third aspect, an embodiment of the present application provides an electronic device, including: a memory, a processor;

[0045] The memory stores computer-executable instructions;

[0046] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.

[0047] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementations of the first aspect.

[0048] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the above first aspect and / or various possible implementation methods of the first aspect.

[0049] The transaction request processing method, apparatus, device and storage medium provided in the embodiments of the present application verify the transaction request sent by the user device, and convert the verified transaction request according to the payment gateway channel information corresponding to the verified transaction request to obtain a transaction processing instruction in a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information, and process the transaction processing instruction through the payment gateway corresponding to the payment gateway channel information to obtain a transaction result, and forward the transaction processing result to the user device to complete the transaction request process, thereby achieving the effect of improving the processing speed of the transaction request. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0051] Figure 1 A schematic diagram of an application scenario provided for this application;

[0052] Figure 2 A flowchart of a method for processing a transaction request provided in an embodiment of the present application;

[0053] Figure 3 A flowchart of another method for processing a transaction request provided in an embodiment of the present application;

[0054] Figure 4 A schematic diagram of the structure of a transaction request processing device provided in an embodiment of the present application;

[0055] Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0056] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0057] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0058] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0059] It should be noted that the transaction request processing method, device, equipment and storage medium of the present application can be used in the field of network security, and can also be used in any field other than network security. The application field of the transaction request processing method, device, equipment and storage medium of the present application is not limited.

[0060] Figure 1 A schematic diagram of an application scenario provided by this application. Figure 1 As shown, the specific application scenario of the present application includes an electronic device 101, a user device 102 and a payment gateway 103. The user device 102 sends a transaction request to the electronic device 101 of the acquiring institution, and the electronic device 101 of the acquiring institution and the payment gateway 103 process the transaction request and feed back the processing result to the user device 102.

[0061] In one example, a user sends a transaction request to an acquiring institution based on a user device. The acquiring institution forwards the authorization request to the card issuer through the payment network. The card issuer verifies the transaction request and sends an approval or rejection authorization response to the acquiring institution through the payment network. The acquiring institution then passes the authorization response to the user device for settlement processing. The acquiring institution sends the transaction information to the card issuer through the payment network for settlement. The card issuer transfers the funds to the acquiring institution to complete the acquiring and clearing processing.

[0062] However, in the above method, since multiple parties are involved, the transaction request processing time is long, and abnormal situations such as data leakage and tampering are prone to occur, which in turn leads to slow processing speed and insufficient security in the transaction request processing process.

[0063] In response to the above technical problems, the present application proposes the following technical concept: by verifying the transaction request sent by the user device, and converting and processing the verified transaction request according to the payment gateway channel information corresponding to the verified transaction request, a transaction processing instruction in a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information is obtained, and the transaction processing instruction is processed by the payment gateway corresponding to the payment gateway channel information to obtain a transaction result, and the transaction processing result is forwarded to the user device to complete the transaction request process. In this way, it is possible to solve the problems existing in the prior art that the transaction request processing time is long due to the involvement of multiple parties, and abnormal situations such as data leakage and tampering are prone to occur, which in turn leads to slow processing speed and insufficient security in the transaction request processing process.

[0064] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0065] Figure 2 A flowchart of a method for processing a transaction request provided in an embodiment of the present application is shown as follows: Figure 2 As shown, the method includes:

[0066] 201. In response to a transaction request sent by a user device held by a user, perform signature verification processing on the transaction request to obtain a verified transaction request.

[0067] Exemplarily, the execution subject of this embodiment may be an electronic device. The electronic device is hereinafter referred to as the device. The device-based acquiring system receives the transaction request of the user device held by the merchant through a socket long connection (SOCKET) or a hypertext transfer protocol short connection (HTTP), calls a preset signature verification algorithm, performs signature verification processing on the transaction request, and obtains a verified transaction request.

[0068] 202. Determine the payment gateway channel information corresponding to the verified transaction request; and determine the target format corresponding to the payment gateway channel information; wherein the target format is a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information.

[0069] Exemplarily, the device identifies the verified transaction request through a preset recognition algorithm, obtains the payment gateway channel information corresponding to the verified transaction request, and based on the payment gateway corresponding to the payment gateway channel information, can determine the message format that can be parsed by the payment gateway, that is, the target format, such as the JSON message format and the XML message format, wherein different financial institutions customize the data elements and fields corresponding to the target format as needed to meet specific business needs.

[0070] 203. According to the target format, the verified transaction request is converted and processed to obtain a transaction processing instruction that conforms to the target format; wherein the transaction processing instruction includes a transaction type and a transaction amount.

[0071] Exemplarily, the device performs format conversion processing on the verified transaction request according to the determined target format, and generates a message conforming to the target format, namely, a transaction processing instruction, wherein the message information in the transaction processing instruction includes information such as transaction type and transaction amount.

[0072] 204. Send the transaction processing instruction to the payment gateway corresponding to the payment gateway channel information; wherein the transaction processing instruction is used to generate a transaction processing result; and the transaction processing result indicates whether the transaction is successful.

[0073] Exemplarily, the device sends the transaction processing instruction to the payment gateway corresponding to the determined payment gateway channel information, and the payment gateway processes the transaction corresponding to the transaction processing instruction to obtain a processing result, such as whether the transaction corresponding to the transaction processing instruction is successful, and sends the transaction processing result back to the device.

[0074] 205. Receive the transaction processing result sent by the payment gateway; and forward the transaction processing result to the user device.

[0075] Exemplarily, the device receives the transaction processing result sent by the payment gateway, and forwards the transaction processing result to the user device through SOCKET long link, HTTP short connection, etc. After the user device receives the transaction processing result, it performs corresponding transaction business processing according to the notification content of the transaction processing result, such as successful consumption, successful return, etc.; at this point, the entire transaction processing process is completed.

[0076] In the present embodiment, a method for processing a transaction request is provided, by verifying the transaction request sent by a user device, and converting the verified transaction request according to the payment gateway channel information corresponding to the verified transaction request to obtain a transaction processing instruction in a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information, and processing the transaction processing instruction through the payment gateway corresponding to the payment gateway channel information to obtain a transaction result, and forwarding the transaction processing result to the user device to complete the transaction request process, thereby achieving the effect of improving the processing speed of the transaction request.

[0077] Figure 3 A flowchart of another method for processing a transaction request provided in an embodiment of the present application is shown as follows: Figure 3 As shown, the method includes:

[0078] 301. In response to a transaction request sent by a user device held by a user, an encryption machine is called, and based on the encryption machine, the transaction request is decrypted to obtain a decrypted transaction request.

[0079] Exemplarily, the device-based acquiring system receives a transaction request from a user device held by a merchant through a long socket connection (SOCKET) or a short hypertext transfer protocol (HTTP), calls an encryption machine, and decrypts the transaction request according to the encryption algorithm of the encryption machine to obtain a decrypted transaction request.

[0080] In one example, step 301 includes the following steps:

[0081] The first step is to perform signature verification on the transaction request based on the encryption machine to obtain the transaction request after signature verification.

[0082] The second step is to parse the transaction request after signature verification to obtain a decrypted transaction request.

[0083] Exemplarily, according to the signature verification method in the encryption algorithm of the encryption machine, the signature information carried by the received transaction request is signature verified to obtain a transaction request after signature verification, and based on the decryption algorithm, the transaction request after signature verification is message parsed to obtain a decrypted transaction request, wherein the decrypted transaction request includes merchant information corresponding to the transaction involved, transaction amount, transaction type and other information.

[0084] 302. Verify the decrypted transaction request to obtain a verified transaction request.

[0085] Exemplarily, the device verifies the decrypted transaction request based on a preset verification algorithm to obtain a verified transaction request. After the verification is qualified, the verified transaction request is obtained.

[0086] In one example, step 302 includes the following steps:

[0087] The first step is to verify the format of the decrypted transaction request; and to verify the validity of the signature of the decrypted transaction request.

[0088] The second step is to verify the first key information in the decrypted transaction request; wherein the first key information includes user information, transaction amount and transaction type.

[0089] Exemplarily, the device verifies the format of the decrypted transaction request based on a preset verification algorithm, and verifies the validity of the signature of the decrypted transaction request to ensure that the format is correct and the signature is valid, such as determining whether the format conforms to a preset format, whether the timestamp of the signature is within a preset time period, etc.; and extracts the first key information in the decrypted transaction request, such as user information, transaction amount, and transaction type, and verifies the first key information, such as determining whether the number of fields in the first key information is a preset number, whether the field format is a preset format, etc., to ensure that the first key information is complete and has not been tampered with, thereby ensuring that the decrypted transaction request is legal and valid.

[0090] 303. Determine the payment gateway channel information corresponding to the verified transaction request; and determine the target format corresponding to the payment gateway channel information; wherein the target format is a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information.

[0091] Exemplarily, this step refers to step 202 and will not be described in detail here.

[0092] 304. According to the target format, the verified transaction request is converted and processed to obtain a transaction processing instruction that conforms to the target format; wherein the transaction processing instruction includes a transaction type and a transaction amount.

[0093] Exemplarily, this step refers to step 203 and will not be described in detail here.

[0094] 305. Determine the priority of the transaction processing instruction according to the risk information of the verified transaction request; wherein the risk information represents the risk level of the transaction operation corresponding to the transaction request.

[0095] Exemplarily, the device may predetermine the risk information of the verified transaction request corresponding to the transaction processing instruction, that is, the risk level of the transaction operation corresponding to the transaction request, and determine the priority of the transaction processing instruction based on the risk information. For example, the transaction processing instruction corresponding to the transaction request with a high risk level requires stricter review, while the transaction processing instruction corresponding to the transaction request with a low risk level can be processed quickly.

[0096] In one example, before step 305, the method includes: determining risk information of the verified transaction request based on transaction information in the verified transaction request; wherein the transaction information includes a transaction amount and a transaction location.

[0097] Exemplarily, the device extracts transaction information carried in the verified transaction request, such as the transaction amount and transaction location, and performs a risk assessment on the transaction information based on preset risk assessment rules to obtain transaction risk information of the verified transaction request, which is used to prevent potential fraud or high-risk abnormal transaction operations and provide data basis for subsequent processing.

[0098] 306. Call the encryption machine, and encrypt the transaction processing instruction based on the encryption machine to obtain the encrypted transaction processing instruction.

[0099] For example, in order to ensure the security of transaction instructions and prevent data from being intercepted or tampered with during transmission, the generated transaction processing instructions need to be encrypted. The device calls the encryption machine and uses the encryption algorithm in the encryption machine to encrypt the transaction processing instructions to obtain encrypted transaction processing instructions.

[0100] 307. Send the encrypted transaction processing instruction to the payment gateway.

[0101] Exemplarily, the device sends the encrypted transaction processing instruction to the payment gateway, which is a key component of the financial institution network connecting the payment system and the acquiring system, responsible for processing the received transaction requests and interacting with the financial institution. The payment gateway processes the transaction corresponding to the transaction processing instruction to obtain a processing result, such as whether the transaction corresponding to the transaction processing instruction is successful, and sends the transaction processing result back to the device. In addition, the security of the transaction is ensured by verifying the signature, encryption and decryption, etc.

[0102] 308. Receive the transaction processing result sent by the payment gateway, call the encryption machine, and decrypt the transaction processing result based on the encryption machine to obtain the decrypted transaction processing result.

[0103] Exemplarily, the device receives the transaction processing result sent by the payment gateway, calls the encryption machine, and decrypts the transaction processing result based on the decryption algorithm of the encryption machine to obtain the decrypted transaction processing result to determine whether the transaction is successful or completed.

[0104] 309. Verify and parse the decrypted transaction processing result to obtain a parsing result; wherein the parsing result includes the second key information in the decrypted transaction processing result; wherein the second key information includes the transaction status and the transaction serial number.

[0105] Exemplarily, the device performs verification and analysis on the decrypted transaction processing result based on a preset verification and analysis algorithm to obtain a analysis result of the decrypted transaction processing result, which includes the second key information carried in the decrypted transaction processing result, including transaction status, transaction serial number and other information.

[0106] 310. Generate a transaction result notification based on the analysis result; and forward the transaction result notification to the user device.

[0107] Exemplarily, the device generates a transaction result notification based on the obtained parsing results, such as a notification in a preset message format, and forwards the transaction result notification to the user device through a SOCKET long link, an HTTP short connection, etc. After the user device receives the transaction result notification, it performs corresponding transaction business processing according to the notification content of the transaction result notification, such as successful consumption, successful return, etc.; at this point, the entire transaction processing process is completed.

[0108] 311. Generate transaction records based on transaction result notifications, and update the database based on the transaction records.

[0109] Exemplarily, the device generates a corresponding transaction record based on the generated transaction result notification, and stores the transaction record in a database to obtain an updated database to facilitate querying and processing of disputed transaction data.

[0110] In this embodiment, on the basis of the above embodiment, by identifying the payment gateway system and dynamically generating a message in a format that the payment gateway can parse for subsequent processing, the transaction request can be quickly verified and processed, thereby increasing the speed of transaction processing; on the other hand, by risk assessment processing and encryption processing and other measures, the abnormal risk of the transaction process can be effectively reduced, and the security of the transaction request process can be increased. In addition, the transaction request processing process in this embodiment is simple to operate, has good stability, and can be applied to various payment transaction scenarios.

[0111] Figure 4 A schematic diagram of a transaction request processing device provided in an embodiment of the present application is shown in FIG. Figure 4 As shown, the device comprises:

[0112] The verification module 401 is used to respond to the transaction request sent by the user device held by the user, perform signature verification processing on the transaction request, and obtain a verified transaction request;

[0113] Determination module 402, used to determine the payment gateway channel information corresponding to the verified transaction request; and determine the target format corresponding to the payment gateway channel information; wherein the target format is a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information;

[0114] The conversion module 403 is used to convert the verified transaction request according to the target format to obtain a transaction processing instruction that conforms to the target format; wherein the transaction processing instruction includes a transaction type and a transaction amount;

[0115] The sending module 404 is used to send the transaction processing instruction to the payment gateway corresponding to the payment gateway channel information; wherein the transaction processing instruction is used to generate a transaction processing result; and the transaction processing result indicates whether the transaction is successful;

[0116] The forwarding module 405 is used to receive the transaction processing result sent by the payment gateway; and forward the transaction processing result to the user device.

[0117] In one possible implementation, the sending module 404 is specifically used to: determine the priority of the transaction processing instruction based on the risk information of the verified transaction request; wherein the risk information represents the risk level of the transaction operation corresponding to the transaction request; call the encryption machine, and based on the encryption machine, encrypt the transaction processing instruction to obtain the encrypted transaction processing instruction; and send the encrypted transaction processing instruction to the payment gateway.

[0118] In a possible implementation, the sending module 404 is further specifically configured to: determine risk information of the verified transaction request according to transaction information in the verified transaction request; wherein the transaction information includes a transaction amount and a transaction location.

[0119] In a possible implementation, the verification module 401 is specifically used to: call the encryption machine, and based on the encryption machine, decrypt the transaction request to obtain a decrypted transaction request; verify the decrypted transaction request to obtain a verified transaction request.

[0120] In a possible implementation, the verification module 401 is specifically used to: perform signature verification processing on the transaction request based on the encryption machine to obtain a transaction request after signature verification; and perform parsing processing on the transaction request after signature verification to obtain a decrypted transaction request.

[0121] In a possible implementation, the verification module 401 is further specifically used to: verify the format of the decrypted transaction request; verify the validity of the signature of the decrypted transaction request; and verify the first key information in the decrypted transaction request; wherein the first key information includes user information, transaction amount and transaction type.

[0122] In a possible implementation, the forwarding module 405 is specifically used to: call the encryption machine, and based on the encryption machine, decrypt the transaction processing result to obtain the decrypted transaction processing result; verify and parse the decrypted transaction processing result to obtain the parsing result; wherein the parsing result includes the second key information in the decrypted transaction processing result; wherein the second key information includes the transaction status and the transaction serial number; generate a transaction result notification according to the parsing result; and forward the transaction result notification to the user device; generate a transaction record according to the transaction result notification, and update the database according to the transaction record.

[0123] The device of this embodiment can execute the technical solution in the above method. Its specific implementation process and technical principles are the same and will not be repeated here.

[0124] It should be noted that it should be understood that the division of the various modules of the above device is only a division of logical functions. In actual implementation, they can be fully or partially integrated into one physical entity, or they can be physically separated. And these modules can all be implemented in the form of software called by processing elements; they can also be all implemented in the form of hardware; some modules can also be implemented in the form of software called by processing elements, and some modules can be implemented in the form of hardware. Each module can be a separately established processing element, or it can be integrated in a chip of the above device. In addition, it can also be stored in the memory of the above device in the form of program code, and called and executed by a processing element of the above device. The functions of each module. In addition, all or part of these modules can be integrated together, or they can be implemented independently. The processing element here can be an integrated circuit with signal processing capabilities. In the implementation process, each step of the above method or each module above can be completed by an integrated logic circuit of hardware in the processor element or instructions in the form of software.

[0125] Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application is shown in FIG. Figure 5 As shown, the electronic device includes: a memory 501 and a processor 502; the memory 501 is a memory for storing instructions executable by the processor 502.

[0126] The processor 502 is configured to execute the method provided in the above embodiment.

[0127] The electronic device further includes a receiver 503 and a transmitter 504. The receiver 503 is used to receive instructions and data sent by other devices, and the transmitter 504 is used to send instructions and data to external devices.

[0128] The specific implementation process of the processor can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0129] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. The general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0130] The memory may include a high-speed memory (Random Access Memory, referred to as RAM), and may also include a non-volatile memory (Non-volatile Memory, referred to as NVM), such as at least one disk memory.

[0131] An embodiment of the present application also provides a chip for executing instructions, which is used to execute the technical solution of the processing method in the above embodiment.

[0132] The embodiment of the present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed on a computer, the computer executes the technical solution of the processing method of the above embodiment.

[0133] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory, electrically erasable programmable read-only memory, erasable programmable read-only memory, programmable read-only memory, read-only memory, magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0134] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be an integral part of the processor. The processor and the readable storage medium can be located in a dedicated integrated circuit. Of course, the processor and the readable storage medium can also exist in a device as discrete components.

[0135] An embodiment of the present application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. At least one processor can read the computer program from the computer-readable storage medium. When at least one processor executes the computer program, the technical solution of the processing method in the above embodiment can be implemented.

[0136] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0137] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0138] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0139] If the function 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, or the part that contributes to the prior art, or the 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 several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0140] It should be noted that, for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that the present application is not limited by the described order of actions, because according to the present application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily required by the present application.

[0141] It should be further noted that, although the various steps in the flowchart are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless there is a clear description in this article, the execution of these steps is not strictly limited in order, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowchart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these sub-steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0142] It should be understood that the above-mentioned device embodiments are only illustrative, and the device of the present application can also be implemented in other ways. For example, the division of units / modules in the above-mentioned embodiments is only a logical function division, and there may be other division methods in actual implementation. For example, multiple units, modules or components can be combined, or can be integrated into another system, or some features can be ignored or not executed.

[0143] In addition, unless otherwise specified, each functional unit / module in each embodiment of the present application may be integrated into one unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The above-mentioned integrated unit / module may be implemented in the form of hardware or in the form of a software program module.

[0144] Those skilled in the art will appreciate that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware associated with program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed.

[0145] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A method for processing a transaction request, characterized in that: The method comprises: In response to a transaction request sent by a user device held by a user, performing signature verification processing on the transaction request to obtain a verified transaction request; Determine the payment gateway channel information corresponding to the verified transaction request; and determine the target format corresponding to the payment gateway channel information; wherein the target format is a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information; According to the target format, the verified transaction request is converted to obtain a transaction processing instruction that conforms to the target format; wherein the transaction processing instruction includes a transaction type and a transaction amount; Sending the transaction processing instruction to the payment gateway corresponding to the payment gateway channel information; wherein the transaction processing instruction is used to generate a transaction processing result; the transaction processing result indicates whether the transaction is successful; Receive the transaction processing result sent by the payment gateway; and forward the transaction processing result to the user device.

2. The method according to claim 1, characterized in that Sending the transaction processing instruction to the payment gateway corresponding to the payment gateway channel information includes: Determining the priority of the transaction processing instruction according to the risk information of the verified transaction request; wherein the risk information represents the risk level of the transaction operation corresponding to the transaction request; Calling an encryption machine, and encrypting the transaction processing instruction based on the encryption machine to obtain an encrypted transaction processing instruction; The encrypted transaction processing instruction is sent to the payment gateway.

3. The method according to claim 2, characterized in that The method further comprises: The risk information of the verified transaction request is determined according to the transaction information in the verified transaction request; wherein the transaction information includes the transaction amount and the transaction location.

4. The method according to claim 1, characterized in that: Performing signature verification processing on the transaction request to obtain a verified transaction request includes: Calling an encryption machine, and decrypting the transaction request based on the encryption machine to obtain a decrypted transaction request; The decrypted transaction request is verified to obtain the verified transaction request.

5. The method according to claim 4, characterized in that Based on the encryption machine, the transaction request is decrypted to obtain a decrypted transaction request, including: Based on the encryption machine, the transaction request is subjected to signature verification processing to obtain a transaction request after signature verification; The signature-verified transaction request is parsed to obtain the decrypted transaction request.

6. The method according to claim 4, characterized in that Performing verification processing on the decrypted transaction request to obtain the verified transaction request includes: Verifying the format of the decrypted transaction request; and verifying the validity of the signature of the decrypted transaction request; The first key information in the decrypted transaction request is verified; wherein the first key information includes user information, transaction amount and transaction type.

7. The method according to any one of claims 1 to 6, characterized in that Forwarding the transaction processing result to the user device includes: Calling an encryption machine, and based on the encryption machine, decrypting the transaction processing result to obtain a decrypted transaction processing result; Performing verification and analysis on the decrypted transaction processing result to obtain an analysis result; wherein the analysis result includes the second key information in the decrypted transaction processing result; wherein the second key information includes the transaction status and the transaction serial number; Generate a transaction result notification according to the analysis result; and forward the transaction result notification to the user device; A transaction record is generated according to the transaction result notification, and a database is updated according to the transaction record.

8. A transaction request processing device, characterized in that: include: A verification module, configured to respond to a transaction request sent by a user device held by a user, perform signature verification processing on the transaction request, and obtain a verified transaction request; A determination module, used to determine the payment gateway channel information corresponding to the verified transaction request; and determine the target format corresponding to the payment gateway channel information; wherein the target format is a message format that can be parsed by the payment gateway corresponding to the payment gateway channel information; A conversion module, configured to convert the verified transaction request according to the target format to obtain a transaction processing instruction conforming to the target format; wherein the transaction processing instruction includes a transaction type and a transaction amount; A sending module, used for sending the transaction processing instruction to the payment gateway corresponding to the payment gateway channel information; wherein the transaction processing instruction is used to generate a transaction processing result; the transaction processing result indicates whether the transaction is successful; The forwarding module is used to receive the transaction processing result sent by the payment gateway; and forward the transaction processing result to the user device.

9. An electronic device, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 7 when executed by a processor.

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