A virtual account-based transaction method and device

Abstract

The application provides a transaction method and device based on a virtual account, relates to the technical field of computers, and can also be used in the field of financial technology. The transaction method comprises the following steps: in response to receiving an order submission operation of a user on a transaction platform, generating first transaction order information, and sending the first transaction order information, a tourist ID of the user and an account of the transaction platform to a bank end, the user being a tourist who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform; in response to receiving a virtual account generation operation of the user on the bank end, generating a virtual account corresponding to the user, binding the virtual account with the first transaction order information, generating second transaction order information, and returning the second transaction order information and the tourist ID to the transaction platform; and in response to determining that the second transaction order information and the tourist ID from the bank end are matched with the first transaction order information and the tourist ID, performing a transaction on the account of the transaction platform based on the virtual account.

Description

TECHNICAL FIELD

[0001] The present application belongs to the technical field of computers and can also be used in the field of financial technology. Specifically, it relates to a transaction method and device based on a virtual account. BACKGROUND

[0002] Currently, in the personal payment business scenario, the collection of platforms such as domestic securities companies, insurance companies, and numerous e-commerce APPs is relatively convenient, that is, the authorization of a third-party payment. The third-party payment is a transaction support platform provided by a third-party independent institution that has signed a contract with some countries and foreign banks and has certain strength and credit guarantee. In the third-party payment transaction process, the payment mode makes the merchant unable to see the credit card information of the customer, and the credit card information of the customer is stored in the third-party payment platform.

[0003] In the transaction through the third-party payment platform, after the buyer selects and purchases goods, the buyer uses the account provided by the third-party platform to pay for the goods, the third party notifies the seller that the payment has arrived, and the seller delivers the goods; after the buyer inspects the goods, the buyer can notify the seller to pay, and the third party transfers the payment to the seller's account.

[0004] However, this business scenario cannot cover all customers with payment intentions.

[0005] One type is customers who have not registered on the consumption platform, that is, unregistered people, and buyers in the role of tourists. They do not participate in the purchase behavior and payment transaction in the APP with a registered identity and verified real customer information. When performing a third-party transaction, registered users are usually required to bind an opening bank for authorization, thereby performing convenient payment operations when purchasing goods. However, tourists who have not registered on the platform do not have a payment channel to choose from when performing a payment behavior.

[0006] Another type is registered users who do not trust the third-party platform. The risk problem is that in this electronic payment process, personal information is stored in the third-party institution, and the third-party platform may use the user data for its own platform operation and development, not limited to precise marketing, information pushing, customer portrait analysis, data capture, etc. after big data operation, there may also be data security problems, causing problems of telecommunications fraud after data leakage. Moreover, because the funds will be detained in the third-party payment service provider, that is, the so-called fund sedimentation, if there is a lack of effective liquidity management, there may also be risks of fund safety and payment, causing the customer's distrust of the platform. SUMMARY

[0007] In view of the problems in the prior art, the present application provides a transaction method and device based on a virtual account, which can support individuals to pay in the form of tourists or unregistered third-party platforms to flexibly complete fund transactions.

[0008] According to a first aspect of the present application, a virtual account-based transaction method is provided, the method comprising:

[0009] In response to receiving a user's order submission operation on a transaction platform, generating first transaction order information and sending the first transaction order information, the user's visitor ID, and the account of the transaction platform to a bank side, wherein the user is a visitor who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform;

[0010] In response to receiving a user's virtual account generation operation on the bank side, generating a virtual account corresponding to the user, binding the virtual account with the first transaction order information, generating second transaction order information, and returning the second transaction order information and visitor ID to the transaction platform;

[0011] In response to determining that the second transaction order information and visitor ID from the bank side match the first transaction order information and visitor ID, conducting a transaction on the account of the transaction platform based on the virtual account.

[0012] In some optional modes of the present embodiment, the virtual account generation operation includes filling in the identity information reserved by the user on the bank side, and the response to the user's virtual account generation operation on the bank side includes:

[0013] According to the identity information, determining whether the user has a real account on the bank side, wherein the identity information includes at least one of name, certificate type, certificate number, bank account number, and mobile phone number;

[0014] In response to determining that the user has a real account on the bank side, generating a virtual account corresponding to the real account based on a pre-established virtual account data table;

[0015] In response to determining that the user does not have a real account on the bank side, prompting the user with error information and the transaction is not completed.

[0016] In some optional modes of the present embodiment, the virtual account data table stores a plurality of historical virtual accounts, and the generation of a virtual account corresponding to the real account based on the pre-established virtual account data table includes:

[0017] Using a random number generation method, removing the historical virtual accounts from a randomly generated range to generate a virtual account corresponding to the real account;

[0018] Wherein, after generating a virtual account corresponding to the real account, the method further comprises:

[0019] establish a first mapping relationship between the real account and a virtual account corresponding to the real account;

[0020] establish a second mapping relationship between the virtual account and an account of the transaction platform;

[0021] store the first mapping relationship and the second mapping relationship as an account mapping relationship table.

[0022] In some optional manners of the embodiment, the transaction based on the virtual account and the account of the transaction platform comprises:

[0023] determine a transaction amount of a user according to payment information in the first transaction order information or the second transaction order information;

[0024] determine a real account corresponding to the virtual account according to the first mapping relationship, and transfer the transaction amount from the real account to the virtual account;

[0025] determine an account of the transaction platform corresponding to the virtual account according to the second mapping relationship, and transfer the transaction amount to the account of the transaction platform to complete payment of the transaction amount.

[0026] In some optional manners of the embodiment, after the payment of the transaction amount is completed, the method further comprises: freezing a payment function of the virtual account, and only reserving a collection function of the virtual account.

[0027] In some optional manners of the embodiment, the method further comprises:

[0028] in response to receiving a confirmation receipt operation of a user on the transaction platform, determine third transaction order information corresponding to the confirmation receipt operation, and determine a virtual account corresponding to the third transaction order information according to a binding relationship between the third transaction order information and the virtual account;

[0029] delete, from the account mapping relationship table, a virtual account, a first mapping relationship and a second mapping relationship used by the third transaction order information.

[0030] In some optional manners of the embodiment, the method further comprises:

[0031] in response to receiving an order refund operation of a user on the transaction platform, determine fourth transaction order information corresponding to the order refund operation, and determine a virtual account corresponding to the fourth transaction order information and a refund amount according to a binding relationship between the fourth transaction order information and the virtual account;

[0032] transferring the refundable amount from the account of the transaction platform to the virtual account;

[0033] determining a real account corresponding to the virtual account according to the first mapping relationship, and transferring the refundable amount from the virtual account to the real account;

[0034] deleting the virtual account, the first mapping relationship and the second mapping relationship used by the fourth transaction order information from the account mapping relationship table after confirming that the real account has received the refundable amount at the bank side.

[0035] According to a second aspect of the present application, a transaction device based on a virtual account is further provided, which comprises:

[0036] a tourist order submission module configured to generate first transaction order information and send the first transaction order information, a tourist ID of a user and an account of a transaction platform to a bank side in response to receiving an order submission operation of the user on the transaction platform, wherein the user is a tourist who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform;

[0037] a virtual account generation module configured to generate a virtual account corresponding to the user, bind the virtual account with the first transaction order information, generate second transaction order information and return the second transaction order information and the tourist ID to the transaction platform in response to receiving a virtual account generation operation of the user on the bank side;

[0038] a virtual account transaction module configured to perform a transaction on the account of the transaction platform based on the virtual account in response to determining that the second transaction order information and the tourist ID from the bank side are matched with the first transaction order information and the tourist ID.

[0039] According to a third aspect of the present application, an electronic device is further provided, which comprises a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the transaction method based on a virtual account when executing the program.

[0040] According to a fourth aspect of the present application, a computer readable storage medium is further provided, which stores a computer program, wherein the computer program is executable on a processor to implement the steps of the transaction method based on a virtual account.

[0041] The application provides a transaction method and device based on a virtual account, generates a personal virtual account, and supports flexible payment of a user or an unauthorized third-party platform to complete a fund transaction. BRIEF DESCRIPTION OF DRAWINGS

[0042] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings needed to be used in the embodiments or the prior art description. Obviously, the drawings in the following description only some embodiments of the present application, and for those skilled in the art, other drawings can also be obtained without creative labor on the basis of these drawings.

[0043] Figure 1 One of the flowcharts of the transaction method based on the virtual account according to the embodiment of the present application;

[0044] Figure 2 The second flowchart of the transaction method based on the virtual account according to the embodiment of the present application;

[0045] Figure 3 The third flowchart of the transaction method based on the virtual account according to the embodiment of the present application;

[0046] Figure 4 The fourth flowchart of the transaction method based on the virtual account according to the embodiment of the present application;

[0047] Figure 5 The schematic diagram of the transaction device based on the virtual account according to the embodiment of the present application;

[0048] Figure 6 The block diagram of the electronic device for implementing the transaction method based on the virtual account according to the embodiment of the present application. DETAILED DESCRIPTION

[0049] The technical solutions in the embodiments of the present application will be described clearly and completely below in combination with the drawings in the embodiments of the present application. Obviously, the described embodiments are only some of the embodiments of the present application, not all. Based on the embodiments in the present application, all other embodiments obtained by those skilled in the art without creative labor are within the scope of protection of the present application.

[0050] One embodiment of the present application provides a transaction method based on a virtual account, as shown in the figure, the method comprises: Figure 1

[0051] ​Step 101, in response to receiving the order submission operation of the user on the transaction platform, generating first transaction order information, and sending the first transaction order information, the user's visitor ID and the account of the transaction platform to the bank side, wherein the user is a visitor who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform;

[0052] Step 102, in response to receiving the virtual account generation operation of the user on the bank side, generating the virtual account corresponding to the user, binding the virtual account with the first transaction order information, generating the second transaction order information, and returning the second transaction order information and the visitor ID to the transaction platform;

[0053] Step 103, in response to determining that the second transaction order information and visitor ID from the bank side match the first transaction order information and visitor ID, based on the virtual account, the account of the transaction platform is transacted.

[0054] The application provides a transaction method based on a virtual account, which supports flexible payment for fund transaction in the form of a visitor or an unauthorized third-party platform, and has a wide application prospect.

[0055] The following will introduce each step of Figure 1 :

[0056] Step 101, in response to receiving the order submission operation of the user on the transaction platform, generating first transaction order information, and sending the first transaction order information, the user's visitor ID and the account of the transaction platform to the bank side, wherein the user is a visitor who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform.

[0057] It should be understood that the present application mainly includes three participants, namely the user, the bank and the transaction platform, which is a platform for customers to make purchases, such as e-commerce platforms, shopping platforms, etc., which are not limited by the present application; the user is a registered user who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform, and both of them are referred to as visitors, that is, the user can enter the transaction platform as a visitor to make purchases and pay for consumption.

[0058] In one specific example, the user selects to log in the transaction platform as a visitor, and the transaction platform assigns a visitor ID to the user as the account name of the user. After the user selects the goods to be purchased on the transaction platform, the user performs an order submission operation. After receiving the order submission operation of the user, the first transaction order information is generated, which includes the details of the goods, the unit price of the goods, the order number, the order time, and the amount to be paid, etc. The application does not limit this. Further, the first transaction order information, the visitor ID of the user, and the account of the transaction platform are sent to the bank side. The account of the transaction platform is an account used by the transaction platform for collection, which can be a bank account or other accounts with collection function, for example, the user wants to purchase a good in A store, and performs an order submission operation. The account of the transaction platform is the collection account of the A store.

[0059] Step 102, in response to receiving the user's virtual account generation operation on the bank side, generating the corresponding virtual account of the user, binding the virtual account with the first transaction order information, generating the second transaction order information, and returning the second transaction order information and the visitor ID to the transaction platform.

[0060] In this embodiment, the bank side triggers the virtual account generation operation of the bank side according to the first transaction order information, the visitor ID of the user, and the account of the transaction platform sent by the preceding step 101.

[0061] It should be noted that in order to realize the virtual account generation operation of the bank, the bank needs to cooperate with the transaction platform willing to support this kind of virtual account transaction mode in advance. The bank generates the virtual account of the customer by using the virtual account system in the bank, and the transaction platform provides an interface for the bank to call, so as to support the bank customer information checking and directly pay the transaction platform fee. In the payment process, the two parties call according to the calling specification agreed in advance. The bank checks the customer information including name, mobile phone number, certificate type, certificate number, and the cooperation party (i.e. the transaction platform) returns the cooperation party account (visitor ID) of the customer and the query result. In the process of message transmission, the two parties perform the encryption and decryption transmission of the message according to the public key and the private key agreed in advance, so as to ensure the security of the information transmission.

[0062] The virtual account system of the bank side supports the allocation of the virtual account of the user to each cooperation party (i.e. the transaction platform), such as online shopping website, offline shopping center, and all enterprises needing fee settlement, and can manage the virtual account of each user individually.

[0063] In some optional ways of this embodiment, the virtual account generation operation includes filling in the identity information reserved by the user on the bank side, such as Figure 2 As shown in the figure, step 102 further includes:

[0064] Step 1021, determining whether the user has a real account at the bank end according to the identity information, wherein the identity information includes at least one of name, certificate type, certificate number, bank account number and mobile phone number.

[0065] In the embodiment, the user can realize the jump of the transaction platform and the bank end through the mobile terminal (client). For example, after performing the order submission operation on the APP of the transaction platform, the terminal interface jumps from the e-commerce platform to the bank H5 or applet, and a window for the user to fill in the identity information reserved at the bank end is popped up. The user can fill in one or more of the name, certificate type, certificate number, bank account number and mobile phone number reserved at the bank end, so that the bank end queries the account information of the user in the bank system according to the identity information.

[0066] Step 1022, in response to determining that the user has a real account at the bank end, generating a virtual account corresponding to the real account based on a pre-established virtual account data table.

[0067] In the embodiment, if the information is verified correctly, that is, the user has a real account at the bank end, a virtual account corresponding to the real account is generated based on a pre-established virtual account data table. For example, the information of the customer account number, name, mobile phone number, certificate type, certificate number, etc. in the bank can be encrypted through the virtual account generation system constructed by the bank, and the virtual account is generated using the above data and output in an encrypted form.

[0068] In some optional modes of the embodiment, the virtual account data table stores a plurality of historical virtual accounts, and step 1022 further includes:

[0069] The historical virtual accounts are removed from the randomly generated range to generate a virtual account corresponding to the real account by using a random number generation method.

[0070] In a specific example, the virtual account is set to 19 bits and adopts a random generation method, but the previously generated virtual accounts are removed from the randomly generated range, where N is a parameter value, to ensure that the virtual account is not repeated with the virtual accounts used in the previous N transactions. In order to realize this rule, a data table LASTTIME needs to be established to record the historical virtual account information used in the previous N times, that is, the data table LASTTIME is the virtual account data table. The random number generation method is a prior art, which will not be described in detail herein.

[0071] In some optional modes of the embodiment, after the virtual account corresponding to the real account is generated, in order to facilitate statistics, the transaction method based on the virtual account of the embodiment further includes:

[0072] Step 104, establishing a first mapping relationship between the real account and the virtual account corresponding to the real account;

[0073] Step 105, establishing a second mapping relationship between the virtual account and the account of the transaction platform;

[0074] Step 106, storing the first mapping relationship and the second mapping relationship as an account mapping relationship table.

[0075] In some optional manners of the embodiment, steps 104 to 106 are further explained: the account mapping relationship table ACCNOREL registers the relationship between the real account and the virtual account, that is, a mapping relationship, that is, the virtual account corresponding to the real account can be uniquely determined according to the first mapping relationship; at the same time, the account mapping relationship table ACCNOREL also registers the relationship between the virtual account and the account of the transaction platform, that is, a second mapping relationship, that is, the account of the transaction platform corresponding to the virtual account can be uniquely determined according to the second mapping relationship, and a unique payment relationship is locked, so that the payment to the account of the transaction platform is completed by using the virtual account.

[0076] At this point, the aforementioned account mapping relationship table ACCNOREL is finally formed according to the first mapping relationship and the second mapping relationship.

[0077] It should be noted that the account mapping relationship table ACCNOREL stores the virtual account, the real account and the account of the transaction platform in the term of existence, that is, for a transaction order submitted by a user, after the user pays, the transaction has not been completed, and needs to go through the links of delivery by the transaction platform, confirmation of receipt by the customer, signing, etc., and the transaction can be closed only after the transaction is closed. Before the transaction is closed, the term of existence has not been completed; after the transaction is closed, the term of existence ends, and the real account, the virtual account and the account of the transaction platform stored in the account mapping relationship table ACCNOREL need to be deleted, that is, the first mapping relationship and the second mapping relationship are deleted.

[0078] It should also be noted that in the aforementioned generation process of the virtual account, in order to further improve the accuracy of the virtual account transaction, the range of the random number should not include the virtual accounts in the ACCNOREL table in the term of existence, so as to ensure that the newly generated virtual account and the virtual account in use are not repeated, that is, a secondary confirmation is performed, and the accuracy of the virtual account transaction is improved.

[0079] Step 1023, in response to determining that the user does not have a real account at the bank end, prompting the user with error information, and the transaction is not completed.

[0080] In the embodiment, if the information verification is incorrect, that is, the real account information of the user is not found in the bank system, a transaction error prompt window is popped up to prompt the user that he / she is not a user of the bank, and it is stated that the user can go to the bank to open an account, and the bank will bear the fund security and information security work, and the user can use the virtual account provided by the bank to pay.

[0081] At this point, the virtual account corresponding to the real account of the user can be determined, and further, the virtual account needs to be bound with the first transaction order information to generate second transaction order information, and the second transaction order information and the tourist ID are returned to the transaction platform.

[0082] In a specific example, the bank virtual account generation system generates a virtual account according to the customer's requirements (that is, the filled identity information), binds the virtual account with the first transaction order information, and obtains the second transaction order information after packaging, and sends the second transaction order information together with the tourist ID and the second transaction order information to the designated transaction platform. At the same time, the transaction fund is transferred from the real account to the virtual account, waiting for the user's instruction to pay, and the virtual account is displayed to the user on the bank H5 or applet page.

[0083] Step 103, in response to determining that the second transaction order information and the tourist ID from the bank side match the first transaction order information and the tourist ID, performing a transaction on the account of the transaction platform based on the virtual account.

[0084] It should be noted that in actual application scenarios, the transaction platform may process multiple user order submission operations at the same time, that is, multiple user order payments, and therefore, in the embodiment, the virtual account analysis module of the transaction platform also needs to verify the first order information and the tourist ID when the user performs the order submission operation after receiving the information (tourist ID and second transaction order information) transmitted by the bank. If the verification is passed, the virtual account information is displayed to the user on the e-commerce platform, and the user verifies the virtual account and order information displayed by the transaction platform, and clicks to submit after confirming the payment. The virtual account generation module of the bank side will transfer the fund stored in the virtual account to the transaction platform's payment account and freeze the payment function of the virtual account after receiving the user's confirmation of payment instruction.

[0085] In some optional manners of the embodiment, the transaction on the account of the transaction platform based on the virtual account includes: Figure 3 As shown in the figure, it includes:

[0086] Step 1031, determining the transaction amount of the user according to the payment information in the first transaction order information or the second transaction order information;

[0087] Step 1032, determining a real account corresponding to the virtual account according to the first mapping relationship, and transferring the transaction amount from the real account to the virtual account;

[0088] Step 1033, determining an account of the transaction platform corresponding to the virtual account according to the second mapping relationship, and transferring the transaction amount to the account of the transaction platform to complete the payment of the transaction amount.

[0089] In some optional manners of the embodiment, steps 1031 to 1033 are further explained, wherein the first transaction order information or the second transaction order information stores the commodity information and the fee information of the transaction order to be paid, so that the user's payment amount, i.e., the transaction amount, can be determined from the to-be-paid information; further, the bank end can reversely determine the real account corresponding to the virtual account according to the first mapping relationship, so as to transfer the transaction amount from the real account to the virtual account of the user; finally, the bank end can reversely determine the account of the transaction platform corresponding to the virtual account according to the second mapping relationship, and transfer the transaction amount to the account of the transaction platform to complete the payment of the transaction amount, i.e., the payment of the selected commodity, so that the transaction funds will not be stranded in the transaction platform (third-party payment service provider), avoiding the so-called fund deposit, improving the liquidity management of funds, and reducing the risk of fund security and payment.

[0090] As discussed above, the completion of payment does not mean that the transaction order is closed, but also needs to go through the operation of the transaction platform delivering the goods, the customer signing and confirming the receipt, wherein if the user is not satisfied with the goods delivered by the transaction platform, the user can initiate a refund operation, so that in some optional manners of the embodiment, after the payment of the transaction amount is completed, the method further includes: freezing the payment function of the virtual account, and only retaining the collection function of the virtual account, wherein freezing the payment function of the virtual account is used to improve the security of the virtual account, and retaining the collection function of the virtual account is used for the subsequent potential refund operation of the user.

[0091] When the user confirms that the received goods are correct, the user can perform a confirmation operation on the interface of the transaction platform, so that in some optional manners of the embodiment, the method further includes:

[0092] In response to receiving the confirmation operation of the user on the transaction platform, determining third transaction order information corresponding to the confirmation operation, and determining a virtual account corresponding to the third transaction order information according to a binding relationship between the third transaction order information and the virtual account;

[0093] From the account mapping relationship table, the virtual account used by the third transaction order information, the first mapping relationship and the second mapping relationship are deleted.

[0094] In one specific example, after receiving the confirmation of receipt instruction from the transaction platform, the bank end determines the transaction order information corresponding to the confirmation of receipt operation. It should be understood that the transaction order information stores a to-be-paid order number, and the to-be-paid order number is bound to a virtual account with a unique payment relationship, so that the virtual account can be determined according to the third transaction order information.

[0095] It should be understood that after the user confirms the receipt, the transaction order completes the transaction loop. According to the foregoing, the virtual account, the first mapping relationship and the second mapping relationship need to be deleted from the account mapping relationship table ACCNOREL, that is, the real account corresponding to the virtual account is deleted according to the first mapping relationship; the account of the transaction platform corresponding to the virtual account is deleted.

[0096] When the user confirms that the received goods have defects or are not wanted, the order refund operation can be performed on the interface of the transaction platform. Therefore, in some optional ways of the embodiment, the method further comprises:

[0097] In response to receiving the order refund operation of the user on the transaction platform, the fourth transaction order information corresponding to the order refund operation is determined, and the virtual account corresponding to the fourth transaction order information and the to-be-refunded amount are determined according to the binding relationship between the fourth transaction order information and the virtual account.

[0098] The to-be-refunded amount is transferred from the account of the transaction platform to the virtual account.

[0099] According to the first mapping relationship, the real account corresponding to the virtual account is determined, and the to-be-refunded amount is transferred from the virtual account to the real account.

[0100] After the bank end confirms that the real account has received the to-be-refunded amount, the virtual account used by the fourth transaction order information, the first mapping relationship and the second mapping relationship are deleted from the account mapping relationship table.

[0101] In one specific example, the customer (i.e. user) initiates a refund application at the client order, submits the order for refund; the merchant audits the information and agrees to the refund after entering the agreed refund instruction at the order, enters the customer refund link; the order sends the refund instruction to the e-commerce platform virtual account analysis module, returns the virtual account information and the amount to be refunded through the binding relationship of the virtual account and the e-commerce platform order number (i.e. the fourth transaction order information); further transfer the amount to be refunded from the account of the transaction platform to the virtual account, after the virtual account receives the refund information, trigger the payment function, return the order amount to the original route, specifically: according to the first mapping relationship, determine the display account corresponding to the virtual account in reverse, and transfer the amount to be refunded from the virtual account to the real account; finally, after the real account of the bank end receives the refund, the transaction is closed, the virtual account is deleted from the account mapping relationship table ACCNOREL mentioned above, and the first mapping relationship and the second mapping relationship of the virtual account are deleted, so as to delete the real account corresponding to the virtual account and the account of the transaction platform.

[0102] In order to facilitate users to query the transaction details of the virtual account on the transaction platform, in some optional ways of the embodiment, the transaction platform end can also establish a virtual account transaction detail table ACCNODTL to register all transaction details in the form of virtual account. Since the virtual account will be physically deleted in the account mapping relationship table ACCNOREL, the primary key of the table is the real account, and the real account + historical virtual account note is used to provide customers with the query real account details to confirm the expenditure record.

[0103] In order to deepen the understanding of the scheme of the present application, the virtual account based transaction method proposed in the foregoing embodiment is summarized as follows:

[0104] The technical scheme of the present application mainly includes three participants, i.e. bank, customer (user) and transaction platform (or described as consumption platform APP, partner institution, third party institution, third party platform, shopping platform and e-commerce platform, etc.), the present application mainly solves the problem that the bank customer does not register on the shopping platform or does not trust the third party institution and refuses to authorize consumption payment through the third party platform, and the current banking industry does not have a transaction scenario of third party payment through virtual account, the present application adds the step of generating virtual account for bank payment without third party authorization based on virtual account application technology, to achieve the effect of convenient payment and protection of user privacy, etc., which mainly includes the following three aspects:

[0105] I. The bank builds a virtual account system, which can encrypt the information of the bank's account customers, such as account number, name, mobile phone number, certificate type, certificate number, etc., and generate a virtual account using the above data, and output in encrypted form.

[0106] II. Each virtual account system supports the allocation of a user's virtual account to an institution. The institution can be an online shopping website, an offline shopping center, and all other businesses that require fee settlement. Each user's virtual account can be managed individually.

[0107] III. When a bank customer enters the consumption platform APP as a tourist and makes a purchase and payment, the customer can choose not to authorize a third party and directly choose a virtual account for payment on the consumption platform. In this process, no personal information is provided to the third-party platform or various consumption platforms. All account real information is stored, managed, and processed internally by the bank, effectively improving data security and user privacy security.

[0108] Based on the above three aspects, as shown in Figure 4 The virtual account-based transaction method of the present application can actually be executed by the following three modules: a tourist order generation module, a bank virtual account generation module, and an e-commerce platform virtual account analysis module. The functions of the three modules are as follows:

[0109] 1. Tourist order generation module: This module has three functions. First, it provides a transaction order to the e-commerce platform for customers in tourist mode. Second, it jumps to the bank page for customers to generate a virtual account. Third, it confirms the virtual account on the e-commerce platform and performs the ordering operation to finally generate a tourist order. The order information provided to the e-commerce platform needs to include the tourist ID and order information for use by the e-commerce platform virtual account analysis module. When jumping to the bank page, the order generation module needs to communicate with the e-commerce platform account information, order information, and tourist ID through the interface to inform the bank, which is used by the virtual account generation module.

[0110] 2. Bank virtual account generation module: This module has two functions. First, it defines the mapping relationship between the bank customer's real account and the virtual account, and transfers the transaction funds to the virtual account. Second, it binds the virtual account information and the e-commerce platform payment information (to-be-paid order number) to a unique payment relationship, and packages the order information and customer ID for use by the e-commerce platform virtual account analysis module. Regarding the virtual account, the virtual account is bound to a unique payment relationship with the e-commerce platform account for this transaction, and cannot make payments to other accounts. After the virtual account transfers funds to the e-commerce platform account, it freezes the payment function and retains the collection function for transaction refunds. After the customer confirms receipt on the e-commerce platform, the virtual account expires and is deleted.

[0111] 3. The e-commerce platform virtual account analysis module: this module has two functions, one is to verify the consistency of the order information and customer ID information packaged by the bank virtual account generation module and the order information and customer ID information provided by the customer order generation module, to verify the matching of funds and transaction objects, confirm the matching of funds and transaction objects, and other key contents, the second is to receive the virtual account provided by the bank virtual account generation module, and display it to the customer order generation module for the customer to confirm and place an order.

[0112] Among the above three modules, the method for building the mapping relationship between the customer real account and the virtual account by the bank virtual account generation module is:

[0113] (1) Build an account number mapping relationship table ACCNOREL to register the relationship between the real account and the virtual account. When the virtual account exists in the e-commerce transaction, ACCNOREL table registers data records, when the transaction completed by the virtual account is completed, the physical deletion is done for the transaction data; ACCNOREL table also registers the e-commerce platform account corresponding to the virtual account, and locks the unique payment relationship.

[0114] (2) The virtual account is set to 19 bits and adopts a random generation method, but the range of random generation should remove the previously generated virtual accounts, where N is a parameter value, to ensure that the virtual account and the previously used virtual account are not repeated, in addition, the generated range should not contain the virtual accounts in the ACCNOREL table, to ensure that the newly generated virtual account and the virtual account in use are not repeated. In order to realize the first rule, a data table LASTTIME is needed to register the information of the previously used virtual account.

[0115] (3) Establish a virtual account transaction detail table ACCNODTL to register all transactions in the form of virtual account. Since the virtual account will be physically deleted, the primary key of this table is the real account, and through the real account + historical virtual account note, the customer can confirm the expenditure record by querying the real account details.

[0116] It also needs to be explained that in this application, the bank and the cooperative agency willing to support such virtual account transaction mode need to reach an agreement in advance. The bank generates a virtual account for the individual customer by using the bank's virtual account system, and the cooperative agency provides an interface for the bank to call, thereby supporting the bank customer information check and directly paying the consumption platform fee. During the payment process, both parties call the specification according to the prior agreement, the bank checks the customer information including name, mobile phone number, certificate type, certificate number, the cooperative party returns the customer's cooperative account number and the query result; during the message transmission process, both parties perform message encryption and decryption transmission according to the public key and private key agreed in advance to ensure the security of information transmission. After the consumption payment, enter the order check, goods delivery, order check stage, complete the transaction closed loop, and the virtual account is automatically released to ensure information encryption and security.

[0117] In a specific transaction ordering scenario, the process is as follows:

[0118] Step 1, the customer submits a shopping instruction in the consumer platform with an unregistered identity or refuses to authorize a third-party payment identity, which is uniformly referred to as a visitor identity, triggering the visitor order generation module to upload information to the bank virtual account generation module and the e-commerce platform virtual account analysis module, respectively.

[0119] Step 2, the client page jumps from the e-commerce platform to the bank H5 or applet, the bank calls the customer information (name, certificate type, certificate number, bank card number, mobile phone number, etc.), and queries the customer's account information in the bank system according to the customer's identity information.

[0120] ① Information verification returns correctly: proceed to step 3;

[0121] ② Information verification returns failure: transaction prompts error: not a bank user, prompt to open an account in the bank, which can bear the fund security and information security work, and can use the virtual account provided by the bank to pay.

[0122] Step 3, the bank virtual account generation module generates a virtual account according to the customer's requirements, and sends it to the designated platform together with the packaged visitor ID and order information. At the same time, the transaction funds are transferred from the real account to the virtual account, waiting for the customer's instruction to pay, and the virtual account is displayed to the customer on the bank H5 or applet page.

[0123] Step 4, the e-commerce platform virtual account analysis module receives the information transmitted by the bank, and verifies the customer ID and order information transmitted by the visitor order generation module. After verification, the virtual account information is displayed to the customer on the e-commerce platform.

[0124] Step 5, the customer verifies the virtual account and order information displayed on the e-commerce platform, and clicks submit after confirming the payment.

[0125] Step 6, the bank virtual account generation module receives the customer confirmation payment information and transfers the funds from the virtual account to the e-commerce platform account, and freezes the virtual account payment function.

[0126] Step 7, the partner enters the commodity verification, delivery, and signing link.

[0127] Step 8, after the customer confirms the receipt of the goods, the bank deletes the virtual account used in this transaction.

[0128] In a specific user refund application scenario, the process is as follows:

[0129] Steps 1 to 7, same as the above transaction order scenario;

[0130] Step 8, the customer initiates a refund application at the client order and submits the order for refund.

[0131] Step 9, the merchant audits the information and agrees to the refund after entering the agreed refund instruction at the order, entering the customer refund link.

[0132] Step 10, the order sends the refund instruction to the e-commerce platform virtual account analysis module, returns the virtual account information through the virtual account and e-commerce platform order number binding relationship.

[0133] Step 11, after receiving the refund information, the virtual account triggers the payment function to return the order amount.

[0134] Step 12, after receiving the refund, the bank verifies the packaging information and deletes the virtual account.

[0135] The application provides a transaction method based on a virtual account, which supports flexible payment for fund transactions in the form of a tourist or an unauthorized third-party platform, effectively protects user privacy, increases the number of funds and users, and improves payment transactions without compromising security, reduces the risk of third-party big data marketing and telecommunications fraud, and has a wide application prospect.

[0136] It should be noted that the acquisition, storage, use, and processing of data in the technical solution of the application comply with relevant legal regulations.

[0137] Based on the same inventive concept, the embodiments of the present application also provide a virtual account-based transaction device, which can be used to implement the method described in the above embodiments, as described in the following embodiments. Since the principle of the problem solved by the virtual account-based transaction device is similar to that of the virtual account-based transaction method, the implementation of the virtual account-based transaction device can be referred to the implementation of the virtual account-based transaction method, and the repeated parts will not be described here. The term "unit" or "module" used below can be a combination of software and / or hardware that implements a predetermined function. Although the system described in the following embodiments is preferably implemented in software, hardware or a combination of software and hardware is also possible and contemplated.

[0138] As shown in Figure 5 the virtual account-based transaction device includes:

[0139] The visitor order submission module 401 is configured to, in response to receiving an order submission operation of a user on a transaction platform, generate first transaction order information, and send the first transaction order information, a visitor ID of the user, and an account of the transaction platform to a bank side, wherein the user is a visitor who has not registered on the transaction platform or whose identity information is not authorized to the transaction platform;

[0140] The virtual account generation module 402 is configured to, in response to receiving a virtual account generation operation of the user on the bank side, generate a virtual account corresponding to the user, bind the virtual account with the first transaction order information, generate second transaction order information, and return the second transaction order information and the visitor ID to the transaction platform;

[0141] The virtual account transaction module 403 is configured to, in response to determining that the second transaction order information and the visitor ID from the bank side are matched with the first transaction order information and the visitor ID, perform a transaction on the account of the transaction platform based on the virtual account.

[0142] In some optional manners of the present embodiment, the virtual account generation operation includes filling in identity information reserved by the user on the bank side, and the virtual account generation module includes:

[0143] A determination unit is configured to determine whether the user has a real account on the bank side according to the identity information, wherein the identity information includes at least one of a name, a certificate type, a certificate number, a bank account number, and a mobile phone number;

[0144] A virtual account generation unit is configured to, in response to determining that the user has a real account on the bank side, generate a virtual account corresponding to the real account based on a pre-established virtual account data table;

[0145] The error reporting unit is configured to prompt the user with error information that the transaction is not completed in response to determining that the user does not have a real account at the bank end.

[0146] In some optional manners of the embodiment, the virtual account data table stores a plurality of historical virtual accounts, and the virtual account generating unit is further configured to:

[0147] generate a virtual account corresponding to the real account by removing the historical virtual accounts from a random generation range using a random number generation method;

[0148] After generating the virtual account corresponding to the real account, the device is further configured to:

[0149] establish a first mapping relationship between the real account and the virtual account corresponding to the real account;

[0150] establish a second mapping relationship between the virtual account and an account of the transaction platform;

[0151] store the first mapping relationship and the second mapping relationship as an account mapping relationship table.

[0152] In some optional manners of the embodiment, the virtual account transaction module is further configured to:

[0153] determine a transaction amount of the user according to payment information in the first transaction order information or the second transaction order information;

[0154] determine a real account corresponding to the virtual account according to the first mapping relationship, and transfer the transaction amount from the real account to the virtual account;

[0155] determine an account of the transaction platform corresponding to the virtual account according to the second mapping relationship, and transfer the transaction amount to the account of the transaction platform to complete payment of the transaction amount.

[0156] In some optional manners of the embodiment, after completing the payment of the transaction amount, the device further includes a freezing module configured to freeze a payment function of the virtual account and only keep a receiving function of the virtual account.

[0157] In some optional manners of the embodiment, the device further includes a confirmation of receipt module configured to:

[0158] In response to receiving a confirmation operation of the user on the transaction platform, third transaction order information corresponding to the confirmation operation is determined, and a virtual account corresponding to the third transaction order information is determined according to a binding relationship between the third transaction order information and the virtual account.

[0159] From the account mapping relationship table, the virtual account used by the third transaction order information, the first mapping relationship and the second mapping relationship are deleted.

[0160] In some optional manners of the embodiment, the device further includes an order refund module configured to:

[0161] In response to receiving an order refund operation of the user on the transaction platform, fourth transaction order information corresponding to the order refund operation is determined, and a virtual account corresponding to the fourth transaction order information and a refund amount are determined according to a binding relationship between the fourth transaction order information and the virtual account.

[0162] The refund amount is transferred from an account of the transaction platform to the virtual account.

[0163] According to the first mapping relationship, a real account corresponding to the virtual account is determined, and the refund amount is transferred from the virtual account to the real account.

[0164] After the bank end confirms that the real account has received the refund amount, the virtual account used by the fourth transaction order information, the first mapping relationship and the second mapping relationship are deleted from the account mapping relationship table.

[0165] According to the embodiments of the present disclosure, the present disclosure further provides an electronic device and a readable storage medium.

[0166] An electronic device includes at least one processor and a memory communicatively connected with the at least one processor; the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform the steps of the transaction method based on the virtual account according to the foregoing embodiments.

[0167] A non-transitory computer-readable storage medium storing computer instructions, wherein the computer instructions are used to enable a computer to perform the steps of the transaction method based on the virtual account according to the foregoing embodiments.

[0168] Figure 6A schematic block diagram of an example electronic device 700 that can be used to implement embodiments of the present disclosure is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smartphones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present disclosure described and / or claimed herein.

[0169] like Figure 6 As shown, the device 700 includes a computing unit 701, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) 702 or a computer program loaded from a storage unit 708 into a random access memory (RAM) 703. Various programs and data required for the operation of the device 700 can also be stored in the RAM 703. The computing unit 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0170] Various components in device 700 are connected to I / O interface 705, including an input unit 706, such as a keyboard, mouse, etc.; an output unit 707, such as various types of displays, speakers, etc.; a storage unit 708, such as a magnetic disk, optical disk, etc.; and a communication unit 709, such as a network card, modem, wireless communication transceiver, etc. The communication unit 709 allows device 700 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0171] The computing unit 701 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of the computing unit 701 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various computing units that run machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The computing unit 701 executes the various methods and processes described above, such as a virtual account-based trading method.

[0172] For example, in some embodiments, a virtual account based transaction method can be implemented as a computer software program tangibly embodied in a machine readable medium, such as storage unit 708. In some embodiments, portions or all of the computer program can be loaded and / or installed onto device 700 via, for example, ROM 702 and / or communication unit 709. When the computer program is loaded onto RAM 703 and executed by the computing unit 701, one or more steps of a virtual account based transaction method as described above can be performed. Alternatively, in other embodiments, computing unit 701 can be configured to perform a virtual account based transaction method by other means, such as by way of firmware.

[0173] Various implementations of the systems and techniques described above can be realized in digital electronic circuitry, integrated circuitry, a field programmable gate array (FPGA), an application specific integrated circuit (ASIC), a system on a chip (SOC), a programmable logic device (PLD), a computer hardware, firmware, software, and / or combinations thereof. These various implementations can include implementation in one or more computer programs that are executable and / or interpretable on a programmable system including at least one programmable processor, which can be special or general purpose, coupled to receive data and instructions from, and to transmit data and instructions to, a storage system, at least one input device, and at least one output device.

[0174] Program code for carrying out methods of the present disclosure can be written in any combination of one or more programming languages. The program code can be provided to a processor or controller of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the program code, when executed by the processor or controller, produces the functions / operations specified in the flowcharts and / or the block diagrams. The program code can be executed entirely on a machine, partially on a machine, partially on a machine as a stand-alone software package, partially on a machine and partially on a remote machine or entirely on a remote machine or server.

[0175] In the context of this disclosure, a machine-readable medium can be a tangible medium that contains or stores a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium can be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium can include but is not limited to an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of the machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or Flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0176] To provide for interaction with a user, the systems and techniques described here can be implemented on a computer having a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user and a keyboard and a pointing device (e.g., a mouse or a trackball) by which the user can provide input to the computer. Other kinds of devices can be used to provide for interaction with a user as well; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form, including acoustic, speech, or tactile input.

[0177] The systems and techniques described here can be implemented in a computing system that includes a back end component (e.g., as a data server), or that includes a middleware component (e.g., an application server), or that includes a front end component (e.g., a user computer having a graphical user interface or a Web browser through which a user can interact with an implementation of the systems and techniques described here), or any combination of such back end, middleware, or front end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include a local area network (LAN), a wide area network (WAN), and the Internet.

[0178] The computer system can include clients and servers. A client and server are generally remote from each other and typically interact through a communication network. The relationship of client and server arises by virtue of computer programs running on the respective computers and having a client-server relationship to each other. The server can be a cloud server, a server of a distributed system, or a server combined with a blockchain.

[0179] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in this disclosure can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solutions of this disclosure can be achieved. This is not a limitation herein.

[0180] The above specific embodiments do not constitute a limitation on the scope of protection of this disclosure. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may be made based on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this disclosure shall be included within the scope of protection of this disclosure.

Claims

1. A transaction method based on a virtual account, characterized in that: include: In response to receiving an order submission operation from a user on a trading platform, generating first trading order information, and sending the first trading order information, the visitor ID of the user, and the account of the trading platform to a bank, wherein the user is a visitor who has not registered on the trading platform or whose identity information has not been authorized to the trading platform; In response to receiving a virtual account creation operation by the user at the bank, a virtual account corresponding to the user's real account is generated, the virtual account is bound to the first transaction order information, second transaction order information is generated, and the second transaction order information and the visitor ID are returned to the transaction platform; wherein, after generating the virtual account corresponding to the user's real account, the method further includes: establishing a first mapping relationship between the real account and the virtual account corresponding to the real account; establishing a second mapping relationship between the virtual account and an account on the transaction platform; and storing the first mapping relationship and the second mapping relationship as an account mapping relationship table; In response to determining that the second transaction order information and the visitor ID from the bank match the first transaction order information and the visitor ID, performing a payment transaction on the account of the transaction platform based on the virtual account, and after the payment, freezing the payment function of the virtual account and retaining only the payment function of the virtual account; In response to the user completing a receipt confirmation operation or an order refund operation on the transaction platform, the virtual account, the first mapping relationship, and the second mapping relationship are deleted from the account mapping relationship table.

2. The method according to claim 1, characterized in that The virtual account generation operation includes filling in the identity information of the user reserved at the bank end, and the generating of a virtual account corresponding to the user in response to receiving the virtual account generation operation of the user at the bank end includes: Determining whether the user has a real account at the bank based on the identity information, wherein the identity information includes at least one of name, ID type, ID number, bank account number, and mobile phone number; In response to determining that the user has a real account at the bank, generating a virtual account corresponding to the real account based on a pre-established virtual account data table; In response to determining that the user does not have a real account at the bank, an error message is prompted to the user and the transaction is not completed.

3. The method according to claim 2, characterized in that The virtual account data table stores a plurality of historical virtual accounts. The generating of the virtual accounts corresponding to the real accounts based on the pre-established virtual account data table includes: A random number generation method is adopted to remove the historical virtual account from a random generation range, and a virtual account corresponding to the real account is generated.

4. The method according to claim 3, characterized in that The performing of transactions on the account of the trading platform based on the virtual account includes: Determining the transaction amount of the user based on the payment information in the first transaction order information or the second transaction order information; Determining a real account corresponding to the virtual account based on the first mapping relationship, and transferring the transaction amount from funds in the real account to the virtual account; According to the second mapping relationship, the account of the trading platform corresponding to the virtual account is determined, and the transaction amount is transferred to the account of the trading platform to complete the payment of the transaction amount.

5. The method according to claim 1, wherein The method further comprises: In response to receiving a confirmation receipt operation from the user on the trading platform, determining third transaction order information corresponding to the confirmation receipt operation, and determining a virtual account corresponding to the third transaction order information based on a binding relationship between the third transaction order information and the virtual account; The virtual account, the first mapping relationship, and the second mapping relationship used by the third transaction order information are deleted from the account mapping relationship table.

6. The method according to claim 1, characterized in that The method further comprises: In response to receiving an order refund operation from the user on the trading platform, determining fourth transaction order information corresponding to the order refund operation, and determining a virtual account corresponding to the fourth transaction order information and an amount to be refunded based on a binding relationship between the fourth transaction order information and the virtual account; Transferring the amount to be refunded from the account on the trading platform to the virtual account; Determining, based on the first mapping relationship, a real account corresponding to the virtual account, and transferring the amount to be refunded from the virtual account to the real account; After the bank confirms that the real account has received the amount to be refunded, the virtual account, the first mapping relationship, and the second mapping relationship used by the fourth transaction order information are deleted from the account mapping relationship table.

7. A transaction device based on a virtual account, used to execute the method according to any one of claims 1 to 6, characterized in that: The device comprises: a visitor order submission module configured to generate first transaction order information in response to receiving an order submission operation from a user on the transaction platform, and send the first transaction order information, the visitor ID of the user, and the account of the transaction platform to the bank, wherein the user is a visitor who has not registered on the transaction platform or whose identity information has not been authorized to the transaction platform; a virtual account generation module configured to, in response to receiving a virtual account generation operation by a user at the bank, generate a virtual account corresponding to the user, bind the virtual account to the first transaction order information, generate second transaction order information, and return the second transaction order information and the visitor ID to the transaction platform; The virtual account transaction module is configured to, in response to determining that the second transaction order information and the visitor ID from the bank side match the first transaction order information and the visitor ID, perform a transaction on the account of the transaction platform based on the virtual account.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the steps of the virtual account-based transaction method described in any one of claims 1 to 6 are implemented.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the virtual account-based transaction method described in any one of claims 1 to 6 are implemented.

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