Transaction processing method, transaction system and server

Abstract

The embodiment of the invention provides a transaction processing method, a transaction system and a server. The method comprises the following steps: a server receives a transaction payment request initiated by a user through a safe and stable communication private line; and the server immediately starts an analysis program to carry out detailed analysis on the transaction payment request so as to obtain various element information contained in the transaction payment request. The server can perform identity verification based on identity authenticity of the user and the transaction object and compliance check based on the element information on the element information according to a preset verification rule. The server can further respond to the transaction payment request when the identity verification of the user and the transaction object is successfully passed and the element information in the transaction payment request meets the compliance requirement, and accurately pays a corresponding amount to the specified transaction object through the safety payment channel. And the server can return a payment result through the same special communication line. The method is used for achieving the effect of improving the transaction security.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a transaction processing method, a transaction system and a server. Background Art

[0002] With the rapid development of information technology and the widespread popularity of the Internet, the intersection of e-commerce and financial technology has been unprecedentedly expanded. This technology field covers various transaction activities conducted through electronic devices.

[0003] In the current e-commerce and financial technology fields, transaction security has become a core element to ensure user trust and stable system operation. In order to improve transaction security, common verification technologies and means may include password verification, SMS verification code, fingerprint recognition, etc.

[0004] However, how to further improve transaction security remains a key topic of continuous exploration and research in this field. Summary of the invention

[0005] The embodiments of the present application provide a transaction processing method, a transaction system and a server to achieve the effect of improving transaction security.

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

[0007] Obtaining a transaction payment request initiated by a user through a dedicated communication line, wherein the transaction payment request is used to pay an amount to a transaction object indicated by the transaction payment request;

[0008] Parsing the transaction payment request to obtain element information contained in the transaction payment request; and verifying the transaction payment request according to the element information to complete the identity authentication of the user and the transaction object, and the compliance verification of the transaction payment request;

[0009] If the identity authentication of the user and the transaction object is passed, and the compliance verification of the transaction payment request is passed, then in response to the transaction payment request, the amount is paid to the transaction object indicated by the transaction payment request, and the payment result of the transaction payment request is obtained;

[0010] The payment result is returned via the dedicated communication line.

[0011] Optionally, verifying the transaction payment request according to the element information includes:

[0012] Using a first two-factor authentication method, completing identity authentication of the user according to the element information related to the user in the element information;

[0013] Using a second two-factor authentication method, completing identity authentication of the user according to the element information related to the transaction object in the element information;

[0014] Using a preset validity verification method, the validity of the element information related to the key data in the key database in the element information is verified.

[0015] Optionally, using a first two-factor authentication method, completing identity authentication of the user according to factor information related to the user in the factor information, includes:

[0016] Using the verification method corresponding to each element information, completing the verification of the element information, and obtaining a first verification result corresponding to each element information;

[0017] If all the first verification results indicate passing, then according to the first two-factor authentication method, fusing multiple element information related to the user to obtain a fusion feature;

[0018] The fusion feature is verified using the first two-factor verification method to obtain a second verification result; the second verification result is that the user's identity authentication is passed, or the user's identity authentication is failed.

[0019] Optionally, using a preset validity verification method, the validity verification of the element information related to the key data in the key database in the element information includes:

[0020] Performing validity verification on the data of the element information according to the preset input type and data length range of each element information to obtain a third verification result;

[0021] If the element information is of numerical type, determining whether the numerical value of the element information is within a preset numerical range of the element information, and generating a fourth verification result according to the determination result;

[0022] If the element information is of a constant type, determining whether the data of the element information is within a preset enumeration range of the element information, and generating a fifth verification result according to the determination result;

[0023] If the third verification result, and the fourth verification result or the fifth verification result indicate that the verification is passed, it is determined that the validity verification is passed; otherwise, it is determined that the validity verification is not passed.

[0024] Optionally, the method further includes:

[0025] Matching the element information according to the preset blacklist characters;

[0026] If it is determined that the element information does not contain the blacklist character, it is determined that the validity check has passed; otherwise, it is determined that the validity check has failed.

[0027] In a second aspect, an embodiment of the present application provides a transaction processing system, including:

[0028] The external service module is used to obtain the transaction request initiated by the user and encrypt and transmit the transaction information in the transaction request;

[0029] A transaction module is used to implement the above first aspect and / or various possible implementations of the first aspect.

[0030] In a third aspect, an embodiment of the present application provides a transaction processing device, including:

[0031] A communication module, used to obtain a transaction payment request initiated by a user through a dedicated communication line, wherein the transaction payment request is used to pay an amount to a transaction object indicated by the transaction payment request;

[0032] a transaction module, configured to parse the transaction payment request, obtain element information contained in the transaction payment request, and verify the transaction payment request according to the element information to complete the identity verification of the user and the transaction object, and the compliance verification of the transaction payment request; if the identity verification of the user and the transaction object is passed, and the compliance verification of the transaction payment request is passed, then in response to the transaction payment request, pay the amount to the transaction object indicated by the transaction payment request, and obtain the payment result of the transaction payment request;

[0033] The communication module is also used to return the payment result through the communication dedicated line.

[0034] Optionally, a transaction module is used to:

[0035] Using a first two-factor authentication method, completing identity authentication of the user according to the element information related to the user in the element information;

[0036] Using a second two-factor authentication method, completing identity authentication of the user according to the element information related to the transaction object in the element information;

[0037] Using a preset validity verification method, the validity of the element information related to the key data in the key database in the element information is verified.

[0038] Optionally, a transaction module is used to:

[0039] Using the verification method corresponding to each element information, completing the verification of the element information, and obtaining a first verification result corresponding to each element information;

[0040] If all the first verification results indicate passing, then according to the first two-factor authentication method, fusing multiple element information related to the user to obtain a fusion feature;

[0041] The fusion feature is verified using the first two-factor verification method to obtain a second verification result; the second verification result is that the user's identity authentication is passed, or the user's identity authentication is failed.

[0042] Optionally, a transaction module is used to:

[0043] Performing validity verification on the data of the element information according to the preset input type and data length range of each element information to obtain a third verification result;

[0044] If the element information is of numerical type, determining whether the numerical value of the element information is within a preset numerical range of the element information, and generating a fourth verification result according to the determination result;

[0045] If the element information is of a constant type, determining whether the data of the element information is within a preset enumeration range of the element information, and generating a fifth verification result according to the determination result;

[0046] If the third verification result, and the fourth verification result or the fifth verification result indicate that the verification is passed, it is determined that the validity verification is passed; otherwise, it is determined that the validity verification is not passed.

[0047] Optionally, a transaction module is used to:

[0048] Matching the element information according to the preset blacklist characters;

[0049] If it is determined that the element information does not contain the blacklist character, it is determined that the validity check has passed; otherwise, it is determined that the validity check has failed.

[0050] In a fourth aspect, an embodiment of the present application provides a server, including: a memory, a processor;

[0051] The memory stores computer-executable instructions;

[0052] 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.

[0053] In a fifth 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.

[0054] In a sixth 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.

[0055] The transaction processing method, transaction system and server provided in the embodiments of the present application receive a transaction payment request initiated by a user through a secure and stable dedicated communication line; then start a parsing program to perform a detailed analysis of the transaction payment request to obtain various element information contained in the transaction payment request; based on preset verification rules, perform identity authentication based on the authenticity of the identity of the user and the transaction object and a compliance check based on the element information itself on these element information; when the identity authentication of the user and the transaction object is successfully passed and the element information in the transaction payment request meets the compliance requirements, further respond to this transaction payment request and accurately pay the corresponding amount to the designated transaction object through a secure payment channel; return the payment result through the same dedicated communication line, thereby achieving the effect of improving transaction security. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] 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.

[0057] Figure 1 A flowchart of the transaction processing method provided for this application;

[0058] Figure 2 A schematic diagram of the structure of the transaction processing system provided for this application;

[0059] Figure 3 A schematic diagram of the structure of the transaction processing device provided by this application;

[0060] Figure 4 A schematic diagram of the structure of the server provided for this application.

[0061] 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

[0062] 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.

[0063] 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 and processing of relevant data must comply with the relevant laws, regulations and standards of the relevant countries and regions, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0064] In the process of purchasing agricultural products such as tobacco leaves, the purchaser usually needs to connect with many producers to complete the purchase of agricultural products. In this process, the purchaser usually needs to pay the purchase amount to the producer to complete the settlement. In this process, due to the design of the transaction, it is usually necessary to ensure the security of the transaction. In the current e-commerce and financial technology fields, the security of transactions has become a core element to ensure user trust and stable operation of the system. In order to improve the security of transactions, common verification technologies and means may include password verification, SMS verification code, fingerprint recognition, etc. However, how to further improve transaction security is still a key topic of continuous exploration and research in this field.

[0065] In response to this topic, the transaction processing method provided in this application uses a technical means to receive and parse the transaction payment request initiated by the user through a dedicated communication line. The system can obtain the element information in the request, and authenticate the user and the transaction object based on it, and conduct compliance review of the transaction payment request. Once the verification is passed, the system will respond to the request, pay the corresponding amount to the designated transaction object, and return the payment result through the same dedicated communication line to ensure the security and efficiency of the transaction process.

[0066] Specifically, the transaction processing method of the present application mainly realizes the fund settlement and payment query functions provided to the acquirer. The server can pay the acquirer's bank card from the acquirer's public account based on the data provided by the acquirer. The server can also provide the acquirer with a query interface to query the transaction payment status.

[0067] 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.

[0068] Figure 1 A flowchart of the transaction processing method provided for this application is as follows: Figure 1 As shown, the method includes:

[0069] S101. Obtain a transaction payment request initiated by a user through a dedicated communication line, where the transaction payment request is used to pay an amount to a transaction object indicated by the transaction payment request.

[0070] In this embodiment, the server receives a transaction payment request initiated by a user through a secure and stable dedicated communication line. The user is the acquirer mentioned above. The transaction payment request is intended to pay a certain amount of money to a designated transaction object.

[0071] Optionally, the message contained in the transaction payment request obtained by the server may be an encrypted message.

[0072] S102: Parse the transaction payment request to obtain the element information contained in the transaction payment request, and verify the transaction payment request according to the element information to complete the identity verification of the user and the transaction object, as well as the compliance verification of the transaction payment request.

[0073] In this embodiment, the server immediately starts the parsing program, and performs a detailed analysis of the transaction payment request to obtain the various element information contained in the transaction payment request. The element information may include user identity, transaction object information, payment amount, payment timestamp, and other possible additional verification information. Next, the server can verify these element information according to the preset verification rules. The verification may include identity authentication for verifying the authenticity of the identity of the user and the transaction object to ensure that both parties to the transaction are legally authorized participants. The verification may also include a compliance check on the element information of the transaction payment request itself. For example, verify whether the payment amount is within the permitted range, whether the transaction complies with relevant laws and regulations and platform policies, etc.

[0074] In one example, the specific verification process of the server verifying the transaction payment request according to the element information may include:

[0075] Step 1: Use the first two-factor authentication method to complete the user's identity authentication based on the factor information related to the user in the factor information.

[0076] In this step, after receiving the transaction payment request initiated by the user, the server first extracts the element information related to the user in the request. The server can complete the identity verification of the user based on these element information. The server can use the first two-factor verification method to verify the consistency of the user's identity based on at least two key information directly related to the user in the element information.

[0077] Specifically, the specific process of the server completing the identity authentication of the user may include:

[0078] Step 11: Use the verification method corresponding to each element information to complete the verification of the element information and obtain the first verification result corresponding to each element information.

[0079] In this step, the server can perform user identity authentication for each element information related to the user. Optionally, the server can set a corresponding identity verification method for each element information. The server can use the identity verification method to complete the identity verification based on the element information and obtain the first verification result corresponding to the element information. Optionally, the server will enter the next step of the identity verification process only when all these first verification results are displayed as "passed".

[0080] Step 12: If all the first verification results indicate a pass, then according to the first two-factor authentication method, multiple user-related factor information is fused to obtain a fused feature.

[0081] In this step, the server may use a two-factor verification method to complete the fusion verification of multiple element information. The two-factor verification method may be an improved algorithm generated according to the element information of the present application. The two-factor verification method may complete the verification based on two or more element information. The server may obtain the element information indicated by the two-factor verification method from the element information related to the user. The server may fuse these element information to obtain a fusion feature.

[0082] Step 13: Use the first two-factor authentication method to verify the fusion feature to obtain a second verification result. The second verification result is that the user's identity authentication passes, or the user's identity authentication fails.

[0083] In this step, the server can input the fusion feature into the two-factor authentication method and process it to obtain the final second verification result. This result directly determines whether the user's identity verification is passed. If the second verification result shows "the user's identity verification is passed", it means that the user's identity has been confirmed and the server will continue to process the transaction payment request. On the contrary, if it shows "the user's identity verification is not passed", the server will immediately terminate the transaction processing and may trigger corresponding security measures to protect the user's account and transaction security.

[0084] Step 2: Use the second two-factor authentication method to complete the user's identity authentication based on the element information related to the transaction object in the element information.

[0085] In this step, the server can verify the identity of the transaction object. The server can use the second two-factor verification method to complete the identity verification of the transaction object using at least two of the element information related to the transaction object in the element information. For example, the server can double-check the transaction object account and the corresponding verification key to ensure the legitimacy of the transaction object.

[0086] Step 3: Use a preset validity verification method to verify the validity of the element information related to the key data in the key database in the element information.

[0087] In this step, the server can also use a preset validity check method to perform a detailed validity check on the element information related to the key data recorded in the key database. For example, the element information may include payment amount, account balance, and transaction history. This validity check can ensure that all key data are accurate and consistent with the transaction logic.

[0088] Specifically, the specific process of the server verifying the validity of the element information may include:

[0089] Step 31: Perform validity verification on the data of the element information according to the preset input type and data length range of each element information to obtain a third verification result.

[0090] In this step, the server may preset requirements for the data itself, such as the input type and data length range of each element information. The server may verify the element information according to the requirement to obtain the third verification information. For example, when the input type of the element information is string, if the input type of the element information actually received is int, the data may not be read and used normally. For another example, when the data length of the element information is 0-32 bits, if the data length of the element information actually received is 34 bits, data overflow may occur, resulting in inaccurate data. For example, when the element information is a supernet line number, its data length is less than 12 bits. When the element information is an amount, there are at most two decimal places.

[0091] Step 32: If the element information is of numerical type, determine whether the numerical value of the element information is within a preset numerical range of the element information, and generate a fourth verification result according to the determination result.

[0092] In this step, if the element information is of numerical type, the element information may be preset with a numerical preset range. For example, for the amount, the numerical preset range may be 0-100000. The server may determine whether the numerical value of the element information actually received is within the numerical preset range. If so, it means that the element information meets the requirements. Otherwise, the element information is abnormal. The server may generate a fourth verification result based on the judgment result. For example, when the amount is 20, it is within the range of 0-100000 and meets the requirements. When the amount is 200123, it is not within the range of 0-100000 and does not meet the requirements.

[0093] Step 33: If the element information is of a constant type, determine whether the data of the element information is within a preset enumeration range of the element information, and generate a fifth verification result according to the determination result.

[0094] In this step, if the element information is a constant type, the element information may be set with a preset enumeration range. The preset enumeration range enumerates all possible values ​​of the constant type element information. The server may determine whether the value of the element information actually received is within the preset enumeration range. If so, it means that the element information meets the requirements. Otherwise, the element information is abnormal. The server may generate a fifth verification result based on the judgment result.

[0095] Step 34: If the third verification result, the fourth verification result or the fifth verification result indicates that the verification is passed, it is determined that the validity verification is passed. Otherwise, it is determined that the validity verification is not passed.

[0096] In this step, the server will comprehensively consider the third check result, as well as the fourth check result (for numerical element information) or the fifth check result (for constant element information). Only when all these check results indicate that the check is passed, the server will determine that the validity check of the element information has passed as a whole, and continue to process the transaction request. On the contrary, if any of the check results fails, the server will immediately terminate the transaction processing and may trigger the corresponding error handling process or security alert to ensure the security and accuracy of the transaction.

[0097] In another example, the server can also judge the characters in the element information. If the characters contain blacklist characters, it means that the element information is abnormal. If the element information does not contain blacklist information, the characters of the element information are normal and the verification passes. Optionally, the blacklist characters can be preset in the server.

[0098] S103. If the identity authentication of the user and the transaction object is passed, and the compliance verification of the transaction payment request is passed, then in response to the transaction payment request, the amount is paid to the transaction object indicated in the transaction payment request, and the payment result of the transaction payment request is obtained.

[0099] In this embodiment, when the identity authentication of the user and the transaction object is successfully passed and the element information in the transaction payment request meets the compliance requirements, the server will further respond to the transaction payment request and accurately pay the corresponding amount to the designated transaction object through a secure payment channel. After the payment operation is completed, the server can obtain the payment result of the transaction payment request. The payment result includes but is not limited to key information such as payment status and payment success time.

[0100] S104. Return the payment result via the dedicated communication line.

[0101] In this embodiment, the server can efficiently and accurately feed back the payment result to the user through the same dedicated communication line, ensuring the transparency and traceability of the entire transaction process.

[0102] The transaction processing method provided in the embodiment of the present application receives and parses user transaction payment requests through a dedicated communication line. After strict identity authentication and compliance verification, the server implements secure payment and feeds back the results, ensuring the efficiency and compliance of the transaction and improving the security of the transaction.

[0103] Figure 2 A schematic diagram of the structure of the transaction processing system provided for this application, such as Figure 2 As shown, the transaction processing system 200 includes:

[0104] The external service module 201 is used to obtain the transaction request initiated by the user and encrypt and transmit the transaction information in the transaction request.

[0105] The transaction module 202 is used to implement Figure 1 The transaction processing method shown.

[0106] The external service of the transaction processing system 200 is deployed in the external connection area, and the server in the external connection area opens a port to the transaction party. The transaction payment request obtained by the transaction processing system 200 can be forwarded by the server in the external connection area, and then sent to the server in the transaction area, so that the server in the transaction area performs verification and transaction according to the transaction payment request.

[0107] The transaction processing system provided in the embodiment of the present application can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be repeated here.

[0108] Figure 3 A schematic diagram of the structure of the transaction processing device provided in this application, such as Figure 3 As shown, the transaction processing device 300 provided in this embodiment includes:

[0109] The communication module 301 is used to obtain a transaction payment request initiated by a user through a dedicated communication line, and the transaction payment request is used to pay an amount to a transaction object indicated by the transaction payment request.

[0110] The transaction module 302 is used to parse the transaction payment request and obtain the element information contained in the transaction payment request. The transaction payment request is verified according to the element information to complete the identity verification of the user and the transaction object, and the compliance verification of the transaction payment request. If the identity verification of the user and the transaction object is passed, and the compliance verification of the transaction payment request is passed, then in response to the transaction payment request, the amount is paid to the transaction object indicated in the transaction payment request, and the payment result of the transaction payment request is obtained.

[0111] The communication module 301 is also used to return the payment result via the dedicated communication line.

[0112] Optionally, the transaction module 302 is used to:

[0113] Using the first two-factor authentication method, the user's identity authentication is completed based on the factor information related to the user in the factor information.

[0114] The second two-factor authentication method is used to complete the user's identity authentication based on the element information related to the transaction object in the element information.

[0115] Use the preset validity verification method to verify the validity of the element information related to the key data in the key database in the element information.

[0116] Optionally, the transaction module 302 is used to:

[0117] Use the verification method corresponding to each element information to complete the verification of the element information and obtain the first verification result corresponding to each element information.

[0118] If all the first verification results indicate a pass, then according to the first two-factor authentication method, multiple factor information related to the user is fused to obtain a fused feature.

[0119] The fusion feature is verified using the first two-factor verification method to obtain a second verification result. The second verification result is that the user's identity verification passes, or the user's identity verification fails.

[0120] Optionally, the transaction module 302 is used to:

[0121] The data of the element information is verified for validity according to the preset input type and data length range of each element information to obtain a third verification result.

[0122] If the element information is a numerical type, it is determined whether the numerical value of the element information is within a preset numerical range of the element information, and a fourth verification result is generated according to the determination result.

[0123] If the element information is a constant type, it is determined whether the data of the element information is within a preset enumeration range of the element information, and a fifth verification result is generated according to the determination result.

[0124] If the third verification result, the fourth verification result or the fifth verification result indicates that the verification is passed, it is determined that the validity verification is passed. Otherwise, it is determined that the validity verification is not passed.

[0125] Optionally, the transaction module 302 is used to:

[0126] Match the element information according to the preset blacklist characters.

[0127] If it is determined that the element information does not contain blacklist characters, it is determined that the validity check has passed. Otherwise, it is determined that the validity check has failed.

[0128] The transaction processing device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be repeated here.

[0129] Figure 4 This is a schematic diagram of the server structure provided for this application. Figure 4 As shown, the server 400 provided in this embodiment includes: at least one processor 401 and a memory 402. Optionally, the device 40 further includes a communication component 403. The processor 401, the memory 402 and the communication component 403 are connected via a bus 404.

[0130] In a specific implementation process, at least one processor 401 executes the computer-executable instructions stored in the memory 402, so that at least one processor 401 executes the above method.

[0131] The specific implementation process of the processor 401 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.

[0132] 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 the processor may be any conventional processor, etc. The steps of the method disclosed in the invention may be directly embodied as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0133] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0134] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0135] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0136] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0137] 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.

[0138] 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 a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0139] 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.

[0140] 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.

[0141] 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.

[0142] 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.

[0143] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to 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; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0144] 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 transaction processing method, characterized in that: include: Obtaining a transaction payment request initiated by a user through a dedicated communication line, wherein the transaction payment request is used to pay an amount to a transaction object indicated by the transaction payment request; Parsing the transaction payment request to obtain element information contained in the transaction payment request; and verifying the transaction payment request according to the element information to complete the identity authentication of the user and the transaction object, and the compliance verification of the transaction payment request; If the identity authentication of the user and the transaction object is passed, and the compliance verification of the transaction payment request is passed, then in response to the transaction payment request, the amount is paid to the transaction object indicated by the transaction payment request, and the payment result of the transaction payment request is obtained; The payment result is returned via the dedicated communication line.

2. The method according to claim 1, characterized in that Verifying the transaction payment request according to the element information includes: Using a first two-factor authentication method, completing identity authentication of the user according to the element information related to the user in the element information; Using a second two-factor authentication method, completing identity authentication of the user according to the element information related to the transaction object in the element information; Using a preset validity verification method, the validity of the element information related to the key data in the key database in the element information is verified.

3. The method according to claim 2, characterized in that Using a first two-factor authentication method, completing identity authentication of the user according to factor information related to the user in the factor information, including: Using the verification method corresponding to each element information, completing the verification of the element information, and obtaining a first verification result corresponding to each element information; If all the first verification results indicate passing, then according to the first two-factor authentication method, fusing multiple element information related to the user to obtain a fusion feature; The fusion feature is verified using the first two-factor verification method to obtain a second verification result; the second verification result is that the user's identity authentication is passed, or the user's identity authentication is failed.

4. The method according to claim 2, characterized in that: Using a preset validity verification method, the validity verification is performed on the element information related to the key data in the key database in the element information, including: Performing validity verification on the data of the element information according to the preset input type and data length range of each element information to obtain a third verification result; If the element information is of numerical type, determining whether the numerical value of the element information is within a preset numerical range of the element information, and generating a fourth verification result according to the determination result; If the element information is of a constant type, determining whether the data of the element information is within a preset enumeration range of the element information, and generating a fifth verification result according to the determination result; If the third verification result, and the fourth verification result or the fifth verification result indicate that the verification is passed, it is determined that the validity verification is passed; otherwise, it is determined that the validity verification is not passed.

5. The method according to claim 4, characterized in that The method further comprises: Matching the element information according to the preset blacklist characters; If it is determined that the element information does not contain the blacklist character, it is determined that the validity check has passed; otherwise, it is determined that the validity check has failed.

6. A transaction processing system, characterized in that: include: The external service module is used to obtain the transaction request initiated by the user and encrypt and transmit the transaction information in the transaction request; A transaction module, used to implement the transaction processing method described in any one of claims 1 to 5.

7. A transaction processing device, characterized in that: include: A communication module, used to obtain a transaction payment request initiated by a user through a dedicated communication line, wherein the transaction payment request is used to pay an amount to a transaction object indicated by the transaction payment request; a transaction module, configured to parse the transaction payment request, obtain element information contained in the transaction payment request, and verify the transaction payment request according to the element information to complete the identity verification of the user and the transaction object, and the compliance verification of the transaction payment request; if the identity verification of the user and the transaction object is passed, and the compliance verification of the transaction payment request is passed, then in response to the transaction payment request, pay the amount to the transaction object indicated by the transaction payment request, and obtain the payment result of the transaction payment request; The communication module is further used to return the payment result through the communication dedicated line.

8. A server, 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 5.

9. 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 5 when executed by a processor.

10. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 5 when being executed by a processor.

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