Payment transaction method, system and device, storage medium and processor

Abstract

The invention provides a payment transaction method, system and device, a storage medium and a processor, and belongs to the technical field of computers. The method is applied to an employee channel system, the employee channel system is used for a business operator to perform payment transaction operation on a bank account, and the method comprises the following steps: in a transaction input process, in response to a verification task submission instruction, generating a verification task based on current transaction information, and sending the verification task to an electronic verification system; the electronic verification and seal system generates a corresponding verification and seal serial number according to the verification and seal task, and sends the verification and seal serial number to an employee channel system; a single sign-on mode is adopted to log in the electronic verification and seal system for verification and seal operation; obtaining a verification and seal result returned by the electronic verification and seal system, and querying in the verification and seal result based on the verification and seal serial number to obtain a corresponding verification and seal result; and in response to the service submission instruction, determining whether to pay the transaction based on the verification result corresponding to the verification serial number. And the security of payment transaction is improved.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a payment transaction method, a payment transaction device, a payment transaction system, a machine-readable storage medium and a processor. Background Art

[0002] When making payments at commercial bank branches, payment information is usually entered through employee channels and then verified in the electronic seal verification system. The operator determines whether to make payment based on the verification results after verifying the seal in the electronic seal verification system.

[0003] However, the electronic seal verification system is mainly an independent system. The operating procedures of commercial banks do not strongly associate payment transactions with related operations of the electronic seal verification system. It cannot be ruled out that the operator does not verify the seal and directly makes payment, or directly makes payment without passing the seal verification result, which may lead to certain payment risks.

[0004] Therefore, the existing payment transaction method has the problem of payment risk. Summary of the invention

[0005] The purpose of the embodiments of the present invention is to provide a payment transaction method, a payment transaction device, a payment transaction system, a machine-readable storage medium and a processor. The payment transaction method can ensure that the print verification result returned by the electronic print verification system is strongly associated with the payment transaction. Payment accounting can only be performed when the print verification result is passed, thereby avoiding the situation where the customer's account is transferred without the teller verifying the print, thereby reducing the bank's payment transaction operation risks and improving the security of the payment transaction.

[0006] In order to achieve the above-mentioned purpose, the first aspect of the present application provides a payment transaction method, which is applied to an employee channel system, wherein the employee channel system is used for a business operator to perform a payment transaction operation on a bank account, and the payment transaction method comprises:

[0007] In the transaction entry process, in response to the instruction to submit a seal verification task, a seal verification task is generated based on current transaction information, and the seal verification task is sent to the electronic seal verification system;

[0008] The electronic seal verification system generates a corresponding seal verification serial number according to the seal verification task, and sends the seal verification serial number to the employee channel system;

[0009] Use single sign-on to log into the electronic print verification system to perform print verification operations;

[0010] Obtaining the print verification result returned by the electronic print verification system, and based on the print verification serial number, querying the print verification result to obtain the corresponding print verification result;

[0011] In response to submitting the business instruction, determining whether to make a payment transaction is based on the print verification result corresponding to the print verification serial number.

[0012] In the embodiment of the present application, the single sign-on method is used to log in to the electronic print verification system to perform the print verification operation, including:

[0013] Logging into the electronic print verification system using a single sign-on method;

[0014] The electronic print verification system obtains the print verification information corresponding to the print verification task, and performs print verification on the print verification information to obtain a print verification result.

[0015] In the embodiment of the present application, the electronic print verification system obtains the print verification information corresponding to the print verification task, including:

[0016] The electronic seal verification system displays all seal verification tasks to the business operator;

[0017] The electronic seal verification system obtains the seal verification task selected by the business operator;

[0018] The electronic print verification system obtains corresponding print verification information based on the print verification task selected by the business operator.

[0019] In the embodiment of the present application, the step of verifying the information to be verified and obtaining the verification result includes:

[0020] Verifying the information to be verified to obtain an initial verification result;

[0021] Based on the preset business rules and the print verification task, determine whether to re-verify the print information to be verified;

[0022] In the case where it is determined to re-inspect the information to be verified, a re-inspection result of the information to be verified is obtained, and a verification result is obtained based on the re-inspection result.

[0023] In the embodiment of the present application, when it is determined that the information to be verified is to be re-verified, obtaining the re-verification result of the information to be verified includes:

[0024] In the case where it is determined to re-inspect the information to be inspected, a re-inspection task is created based on the information to be inspected, and the re-inspection task is sent to a corresponding re-inspection operator;

[0025] The re-inspection result fed back by the corresponding re-inspection operator is obtained to obtain the re-inspection result of the information to be inspected.

[0026] In the embodiment of the present application, it also includes:

[0027] In the case where it is determined that the information to be verified is not to be re-verified, the initial verification result is used as the verification result.

[0028] A second aspect of the present application provides a payment transaction system, including an employee channel system and an electronic print verification system;

[0029] The employee channel system is used to generate a seal verification task based on current transaction information in response to a seal verification task instruction submitted during a transaction entry process, and send the seal verification task to an electronic seal verification system, and log in to the electronic seal verification system in a single sign-on manner to perform a seal verification operation; it is also used to obtain a seal verification result returned by the electronic seal verification system, and query the seal verification result to obtain a corresponding seal verification result based on a seal verification serial number; in response to a business instruction submitted, determine whether to perform a payment transaction based on the seal verification result corresponding to the seal verification serial number;

[0030] The electronic print verification system is used to generate a corresponding print verification serial number according to the print verification task, and send the print verification serial number to the employee channel system; it is also used to perform a print verification operation and send the print verification result to the employee channel system.

[0031] A third aspect of the present application provides a payment transaction device, which is applied to an employee channel system, wherein the employee channel system is used for a business operator to perform a payment transaction operation on a bank account, and the payment transaction device includes:

[0032] A first sending module is used to generate a seal verification task based on current transaction information in response to a seal verification task submission instruction during a transaction entry process, and send the seal verification task to an electronic seal verification system;

[0033] A second sending module is used for the electronic seal verification system to generate a corresponding seal verification serial number according to the seal verification task, and send the seal verification serial number to the employee channel system;

[0034] A login module, used to log into the electronic print verification system in a single sign-on manner to perform print verification operations;

[0035] A query module, used to obtain the print verification result returned by the electronic print verification system, and based on the print verification serial number, query the print verification result to obtain the corresponding print verification result;

[0036] The determination module is used to respond to the submission of the business instruction and determine whether to make a payment transaction based on the verification result corresponding to the verification serial number.

[0037] A fourth aspect of the present application provides a processor configured to execute the above-mentioned payment transaction method.

[0038] A fifth aspect of the present application provides a machine-readable storage medium having instructions stored thereon, which, when executed by a processor, configure the processor to execute the above-mentioned payment transaction method.

[0039] A sixth aspect of the present application provides a computer program product, comprising a computer program, which implements the above-mentioned payment transaction method when executed by a processor.

[0040] Through the above technical scheme, in the transaction entry process, in response to submitting a seal verification task instruction, a seal verification task is generated based on the current transaction information, and the seal verification task is sent to the electronic seal verification system; the electronic seal verification system generates a corresponding seal verification serial number according to the seal verification task, and sends the seal verification serial number to the employee channel system; a single sign-on method is used to log in to the electronic seal verification system to perform a seal verification operation; the seal verification result returned by the electronic seal verification system is obtained, and based on the seal verification serial number, the corresponding seal verification result is queried in the seal verification result; in response to submitting a business instruction, based on the seal verification result corresponding to the seal verification serial number, it is determined whether to make a payment transaction. Through single sign-on and seal verification serial number restrictions, payment transactions and electronic seal verification system operations can be controlled as the same business. By controlling the seal verification serial number, it can be ensured that the seal verification results returned by the electronic seal verification system are strongly associated with the payment transaction. Payment accounting can only be carried out when the seal verification results are passed, avoiding the situation where the teller transfers the customer's account without seal verification, thereby reducing the operational risks of bank payment transactions and improving the security of payment transactions.

[0041] Other features and advantages of the embodiments of the present invention will be described in detail in the subsequent detailed description. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] The accompanying drawings are used to provide a further understanding of the embodiments of the present application and constitute a part of the specification. Together with the following specific implementations, they are used to explain the embodiments of the present application, but do not constitute a limitation on the embodiments of the present application. In the accompanying drawings:

[0043] Figure 1 A schematic diagram of an application environment of a message push method according to an embodiment of the present application is schematically shown;

[0044] Figure 2 The flowchart of the payment transaction method according to the embodiment of the present application is schematically shown;

[0045] Figure 3 A flowchart schematically shows a detailed process of a payment transaction according to an embodiment of the present application;

[0046] Figure 4 The structure block diagram of the payment transaction device according to the embodiment of the present application is schematically shown;

[0047] Figure 5 The internal structure diagram of a computer device according to an embodiment of the present application is schematically shown.

[0048] Description of Reference Numerals

[0049] 102-terminal; 104-server; 410-first sending module; 420-second sending module; 430-login module; 440-query module; 450-determination module; A01-processor; A02-network interface; A03-internal memory; A04-display screen; A05-input device; A06-non-volatile storage medium; B01-operating system; B02-computer program. DETAILED DESCRIPTION

[0050] In order to make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. It should be understood that the specific implementation methods described herein are only used to illustrate and explain the embodiments of the present application, and are not used to limit the embodiments of the present application. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0051] It should be noted that if the embodiments of the present application involve directional indications (such as up, down, left, right, front, back...), the directional indications are only used to explain the relative position relationship, movement status, etc. between the components under a certain specific posture (as shown in the accompanying drawings). If the specific posture changes, the directional indication will also change accordingly.

[0052] In addition, if there are descriptions involving "first", "second", etc. in the embodiments of the present application, the descriptions of "first", "second", etc. are only used for descriptive purposes and cannot be understood as indicating or suggesting their relative importance or implicitly indicating the number of technical features indicated. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In addition, the technical solutions between the various embodiments can be combined with each other, but they must be based on the ability of ordinary technicians in the field to implement them. When the combination of technical solutions is contradictory or cannot be implemented, it should be deemed that such combination of technical solutions does not exist and is not within the scope of protection required by this application.

[0053] The acquisition, transmission, storage, use, and processing of data in the technical solution of this application are in compliance with the relevant provisions of national laws and regulations. In addition, it should be noted that in the embodiments of this application, some existing solutions in the industry such as certain software, components, and models may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of this application, but it does not mean that the applicant has or will necessarily use the solution.

[0054] It should be noted that the electronic seal verification system mentioned in this embodiment refers to the abbreviation of the new electronic seal verification application platform system, which adopts electronic information technology such as image processing and uses image acquisition equipment to extract and save images of bank seals reserved by customers, and can compare them with seals contained in bills and other documents to identify the authenticity of the system, providing electronic seal verification services for counter applications, front-end and back-end separation systems and channels. The employee channel mentioned in this embodiment refers to the abbreviation of the operating system that commercial banks uniformly use employee numbers to log in, and there are no duplicate employee numbers. The payment transaction mentioned in this embodiment refers to the abbreviation of transactions that must be verified in bank account payment transactions. The seal verification serial number mentioned in this embodiment refers to a unique number for a single seal verification task, which is used to confirm whether the seal verification operation is completed and whether the result is passed in the electronic seal verification system.

[0055] The payment transaction method provided by this application can be applied to Figure 1 In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. Through the restriction of single sign-on and the verification serial number, the payment transaction and the electronic verification system operation can be controlled as the same business. The verification serial number ensures that the verification result returned by the electronic verification system is strongly associated with the payment transaction. The payment account can be recorded only when the verification result is passed, avoiding the situation where the teller transfers the customer's account without verification, thereby reducing the risk of bank payment transaction operations. Among them, the terminal 102 can be but not limited to various personal computers, laptops, smart phones, tablet computers and portable wearable devices, and the server 104 can be implemented by an independent server or a server cluster composed of multiple servers.

[0056] Figure 2 The following is a schematic diagram showing a flow chart of a payment transaction method according to an embodiment of the present application. Figure 2 As shown, in one embodiment of the present application, a payment transaction method is provided. This embodiment mainly applies the method to the above Figure 1 Taking the terminal 102 (or server 104) in FIG. 1 as an example, this embodiment provides a payment transaction method, which is applied to an employee channel system. The employee channel system is used for a business operator to perform a payment transaction operation on a bank account. The payment transaction method includes the following steps:

[0057] Step 210: In the transaction entry process, in response to the instruction to submit a seal verification task, a seal verification task is generated based on current transaction information, and the seal verification task is sent to the electronic seal verification system;

[0058] In this embodiment, transaction entry refers to accurately entering various types of transaction information into the employee channel system. The above-mentioned current transaction information refers to various types of transaction information that have been currently entered into the employee channel system, including account data, amount, currency, etc. The employee channel system may refer to an operating system that commercial banks uniformly use employee numbers to log in, and business operators use this operating system to conduct payment transactions. The above-mentioned instructions for submitting the printing verification task may be obtained by input by the business operator during the payment transaction process. For example: Employee channel operator A initiates a payment transaction. During the transaction entry process, the current operator clicks the "Submit Printing Verification Task" button to obtain the instructions for submitting the printing verification task. The above-mentioned generation of the printing verification task refers to generating the corresponding printing verification task based on the transaction information in the current system, and the printing verification task includes printing verification data, such as account data, amount, currency, etc. The employee channel system pushes the printing verification task to the background of the electronic printing verification system, and the background of the electronic printing verification system stores the printing verification task.

[0059] In some embodiments, the instruction to submit the seal verification task can also be obtained based on the payment basis in the specific payment transaction. For example, when the transaction type is "withdrawal of public current deposits" and "settlement of public current deposits", if the payment basis contains a seal verification requirement, such as when the payment basis contains "seal", the "Submit seal verification task" button corresponding to the "seal" in the payment basis can be clicked to submit the seal verification application, that is, to generate the instruction to submit the seal verification task. That is, in the specific implementation, the instruction to submit the seal verification task can be generated based on the payment basis in the specific transaction to avoid misoperation by the business operator and improve the reliability of seal verification.

[0060] In some embodiments, for some transaction types that must be verified, a verification task can be directly generated based on the transaction entry. For example, if the transaction type is a public demand deposit, after obtaining the account number, currency, amount and other information provided by the public demand deposit in the transaction entry, a verification task can be directly generated. This improves the efficiency of generating verification tasks and helps to quickly verify the seal. At the same time, it also avoids the business operator forgetting to verify the seal, reducing business security risks.

[0061] Step 220: The electronic seal verification system generates a corresponding seal verification serial number according to the seal verification task, and sends the seal verification serial number to the employee channel system;

[0062] In this embodiment, after receiving the seal verification task, the electronic seal verification system will generate a corresponding seal verification serial number and return it to the employee channel system, so that the seal verification task will be associated with the seal verification serial number. The seal verification serial number is unique and corresponds to the seal verification task one by one.

[0063] Step 230: Log into the electronic print verification system using a single sign-on method to perform print verification operations;

[0064] In this embodiment, single sign-on is a technology that allows users to access all mutually trusted systems in multiple related but independent software systems by simply performing identity authentication once. Single sign-on simplifies the login process, and you can easily enter the electronic print verification system after simply performing identity authentication in the employee channel system. This greatly improves work efficiency and reduces the time wasted and possible errors caused by frequently entering account numbers and passwords. When performing print verification operations, the electronic print verification system usually requires users to upload the file or image to be verified, and then identifies and compares the seal in the file or image to be verified. The above-mentioned single sign-on method can be achieved using existing single sign-on technology, which will not be repeated here.

[0065] It should be noted that the single-sign-on electronic print verification system can also have strict permission management functions. Different user roles may have different print verification permissions and operating scopes to ensure the security and compliance of the print verification operation.

[0066] In some embodiments, the single sign-on method is used to log into the electronic print verification system to perform the print verification operation, including:

[0067] First, log in to the electronic print verification system using a single sign-on method;

[0068] In this embodiment, the electronic seal verification system is entered through single sign-on to ensure that the business operator who initiates the payment transaction and the initial seal verification person are the same person. After the business operator successfully logs in to the employee channel system, he can quickly enter the electronic seal verification system through single sign-on.

[0069] Then, the electronic print verification system obtains the print verification information corresponding to the print verification task, and performs print verification on the print verification information to obtain a print verification result.

[0070] In this embodiment, after entering the electronic print verification system, the electronic print verification system performs the print verification operation, and can first obtain the print information to be verified corresponding to the print verification task. The print verification information can be obtained by scanning the image of the voucher to be verified and supplementing the print verification information. Then the obtained print verification information is verified. The electronic print verification system automatically analyzes the collected print verification information according to the electronic print verification system process and extracts the features of the seal. These features may include the shape, size, line thickness, pattern distribution, etc. of the seal. By extracting these features, the extracted features of the seal to be verified are compared with the pre-stored standard seal features. The system will use advanced image recognition algorithms and pattern matching technology to calculate the similarity between the two. If the similarity reaches the preset threshold, it is considered that the print verification is passed; otherwise, the print verification fails, and the print verification result is obtained. In this way, each print verification task can obtain the corresponding print verification result.

[0071] It should be noted that the above process of verifying the information to be verified can be achieved by using the existing verification method, which will not be described in detail here.

[0072] By entering the electronic print verification system through single sign-on, it can be ensured that the business operator who initiates the payment transaction and the person who verifies the print are the same person, thereby ensuring the uniformity of the operators. At the same time, by obtaining the print verification information corresponding to the print verification task in the electronic print verification system and verifying the print verification information, it is convenient to perform the correct print verification operation and obtain accurate print verification results.

[0073] In some embodiments, the electronic print verification system obtains the print verification information corresponding to the print verification task, including:

[0074] The first step is that the electronic seal verification system displays all seal verification tasks to the business operator;

[0075] In this embodiment, the print verification tasks are all stored in the electronic print verification system background. After obtaining the print verification tasks, the electronic print verification system can display them to the business operator through the electronic print verification system web page.

[0076] The second step is that the electronic seal verification system obtains the seal verification task selected by the business operator;

[0077] In this embodiment, the print verification task can be obtained on the web page of the electronic print verification system, and the electronic print verification system background provides a task query function. For example, the task can be queried and obtained in the print verification task menu on the web page. The unverified print task menu can display information about unverified print tasks, and the business operator can obtain the print verification task selected by the business operator by selecting the unverified print task in the print verification task menu. In some embodiments, the business operator can also enter the print verification serial number corresponding to the print verification business, and then obtain the print verification task selected by the business operator from the matching of all print verification tasks.

[0078] In the third step, the electronic print verification system obtains corresponding print verification information based on the print verification task selected by the business operator.

[0079] In this embodiment, the print verification task selected by the business operator is the task that is currently to be subjected to the print verification operation, and then the to-be-verified print information corresponding to the task is obtained, including image information, text information, and the like.

[0080] By displaying all the printing verification tasks to the business operator and selecting the printing verification task by the business operator, it is convenient for the business operator to quickly and accurately select the printing verification task and then obtain the corresponding printing verification information, thereby improving the printing verification efficiency.

[0081] In some embodiments, the step of verifying the information to be verified and obtaining a verification result includes:

[0082] The first step is to verify the information to be verified and obtain an initial verification result;

[0083] In this embodiment, the electronic print verification system automatically verifies the information to be verified according to the electronic print verification system process, thereby obtaining an initial print verification result.

[0084] The second step is to determine whether to re-verify the information to be verified based on the preset business rules and the verification task;

[0085] In this embodiment, considering the security of the transaction, further re-inspection is required. The above judgment on whether to re-inspect can be based on whether the amount in the verification task is greater than the threshold value preset in the business rules. If it is greater, the information to be verified needs to be re-inspected. Otherwise, re-inspection is not required. The threshold value preset in the above business rules can be preset according to actual conditions.

[0086] The third step is to obtain the re-inspection result of the information to be verified, and obtain the verification result based on the re-inspection result, if it is determined that the information to be verified is to be re-inspected.

[0087] In this embodiment, when it is determined that re-inspection is required, re-inspection is performed. The re-inspection can be manual re-inspection, that is, manual judgment is made on whether the information to be verified passes to obtain a re-inspection result, and finally the re-inspection result is used as the verification result.

[0088] By determining whether to recheck the information to be verified, and obtaining the recheck result of the information to be verified if it is determined to be rechecked, and obtaining the verification result based on the recheck result, the accuracy of the verification is ensured, which helps to improve the security of the payment transaction.

[0089] In some embodiments, when it is determined that the information to be verified is to be re-verified, obtaining the re-verification result of the information to be verified includes:

[0090] Firstly, when it is determined to re-inspect the information to be inspected, a re-inspection task is created based on the information to be inspected, and the re-inspection task is sent to a corresponding re-inspection operator;

[0091] In this embodiment, the above-mentioned re-inspection can be performed by the person himself or by a replacement. The person himself re-inspects means that the current business operator performs the re-inspection, and the replacement re-inspection means that the person other than the current business operator performs the re-inspection. That is, the re-inspection operator can be the current business operator or another business operator, which can be determined by the seal verification rules in the system. When it is determined that the seal verification information to be verified is to be re-inspected, the electronic seal verification system records the initial seal verification results in the background and creates a re-inspection task according to the business rules. At the same time, according to the business rules, the person himself re-inspects or the replacement re-inspects may be triggered, and the corresponding operator obtains the re-inspection task in the electronic seal verification system.

[0092] Then, the re-inspection result fed back by the corresponding re-inspection operator is obtained to obtain the re-inspection result of the information to be inspected.

[0093] In this embodiment, the re-inspection operator manually verifies the re-inspection task and confirms whether the print verification has passed or failed. The electronic print verification system records the re-inspection result in the background to obtain the re-inspection result of the information to be verified.

[0094] By creating a re-inspection task based on the information to be inspected when it is determined that the information to be inspected needs to be re-inspected, and sending the re-inspection task to a corresponding re-inspection operator, the re-inspection operator can quickly re-inspect, thereby improving the re-inspection efficiency.

[0095] In the fourth step, when it is determined that the information to be verified does not need to be re-verified, the initial verification result is used as the verification result.

[0096] In this embodiment, if the information to be verified is not re-verified, the initial verification result is directly used as the verification result, thereby improving the verification efficiency.

[0097] Step 240: Obtain the print verification result returned by the electronic print verification system, and query the print verification result to obtain the corresponding print verification result based on the print verification serial number;

[0098] In this embodiment, the electronic print verification system sends the last print verification result corresponding to the print verification serial number to the employee channel system. The employee channel system calls the electronic print verification system to query the print verification result according to the print verification serial number. The returned print verification result may be the print verification result of multiple print verification tasks. Each print verification result is associated with a corresponding print verification task, and the print verification task corresponds to a print verification serial number. Therefore, each print verification result corresponds to a print verification serial number, and the corresponding print verification result can be queried according to the print verification serial number.

[0099] Step 250: In response to submitting the business instruction, determine whether to make a payment transaction based on the print verification result corresponding to the print verification serial number.

[0100] In this embodiment, when attempting to submit a business, whether to pay can be determined based on the verification result corresponding to the verification serial number. If the corresponding verification result is passed, payment can be made. If the corresponding verification result is not passed, no payment will be made.

[0101] In some embodiments, when the print verification result is passed, it is further possible to determine whether to pay based on specific business needs. For example, business needs include determining whether the amount exceeds the preset payment amount limit based on the amount. If it exceeds, payment will not be made even if the print verification result is passed; if it does not exceed, payment can be made if the print verification result is passed. For example, business needs include determining whether the payee meets the preset collection limit. If so, payment can be made if the print verification result is passed; if not, payment will not be made even if the print verification result is passed. The above-mentioned preset collection limit can be set according to specific circumstances, for example, it can be a geographical restriction, quantity restriction, etc. By combining business needs and print verification results to determine whether to pay, the security of payment transactions can be further improved.

[0102] In the above implementation process, in the transaction entry process, in response to the instruction to submit the seal verification task, based on the current transaction information, a seal verification task is generated, and the seal verification task is sent to the electronic seal verification system; the electronic seal verification system generates a corresponding seal verification serial number according to the seal verification task, and sends the seal verification serial number to the employee channel system; the electronic seal verification system is logged in to perform the seal verification operation in a single sign-on manner; the seal verification result returned by the electronic seal verification system is obtained, and based on the seal verification serial number, the corresponding seal verification result is queried in the seal verification result to obtain the corresponding seal verification result; in response to the submission of the business instruction, based on the seal verification result corresponding to the seal verification serial number, it is determined whether the payment transaction is made. Through the restriction of single sign-on and seal verification serial number, the payment transaction and the electronic seal verification system operation can be controlled as the same business. Through the control of the seal verification serial number, it can be ensured that the seal verification result returned by the electronic seal verification system is strongly associated with the payment transaction. The payment account can be recorded only when the seal verification result is passed, so as to avoid the situation where the teller transfers the customer's account without seal verification, thereby reducing the operational risk of bank payment transactions and improving the security of payment transactions. By restricting the bank's unique employee number and job authority, it is possible to ensure that the payment transaction operator and the electronic seal verification system initial verification operator are the same person.

[0103] The following is a detailed explanation of the scheme with a specific example. Figure 3 , Figure 3 The detailed process flow chart of the payment transaction according to the embodiment of the present application is schematically shown. The payment transaction process includes:

[0104] First, employee channel operator A initiates a payment transaction. During the transaction entry process, the current operator clicks the "Submit Print Verification Task" button, and the system generates a print verification task. The employee channel pushes the task data to the electronic print verification system background. The electronic print verification system background stores the print verification task and returns the print verification serial number to the employee channel.

[0105] Then, operator A enters the electronic print verification system through single sign-on, ensures that the person who initiates the payment transaction and the initial print verification is the same person, obtains the print verification task on the electronic print verification system web page, and the electronic print verification system background provides a task query function.

[0106] Then, operator A obtains the verification task in the electronic verification system, completes scanning and supplementary entry of verification information, and completes the initial verification according to the electronic verification system process. The electronic verification system background records the initial verification results and creates a re-inspection task based on business rules. The above steps may trigger the operator to re-inspect / re-inspect by another operator. The corresponding operator obtains the re-inspection task in the electronic verification system and confirms whether the verification has passed / failed. The electronic verification system background records the re-inspection results.

[0107] Then, the electronic print verification system sends the last print verification result corresponding to the print verification serial number to the employee channel, and the employee channel calls the electronic print verification system to query the print verification result based on the print verification serial number.

[0108] Finally, when operator A tries to submit the business through the employee channel, he queries the verification result based on the verification serial number. Payment can be made only if the verification result is passed.

[0109] Figure 2 FIG. 1 is a flow chart of a payment transaction method in one embodiment. It should be understood that although Figure 2 The steps in the flowchart are shown in sequence as indicated by the arrows, but these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified in this document, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, Figure 2 At least part of the steps may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be executed in turn or alternately with other steps or at least part of the sub-steps or stages of other steps.

[0110] This embodiment provides a payment transaction system, including an employee channel system and an electronic seal verification system;

[0111] The employee channel system is used to generate a seal verification task based on current transaction information in response to a seal verification task instruction submitted during a transaction entry process, and send the seal verification task to an electronic seal verification system, and log in to the electronic seal verification system in a single sign-on manner to perform a seal verification operation; it is also used to obtain a seal verification result returned by the electronic seal verification system, and query the seal verification result to obtain a corresponding seal verification result based on a seal verification serial number; in response to a business instruction submitted, determine whether to perform a payment transaction based on the seal verification result corresponding to the seal verification serial number;

[0112] The electronic print verification system is used to generate a corresponding print verification serial number according to the print verification task, and send the print verification serial number to the employee channel system; it is also used to perform a print verification operation and send the print verification result to the employee channel system.

[0113] In the above implementation process, in the transaction entry process, in response to submitting a seal verification task instruction, a seal verification task is generated based on the current transaction information, and the seal verification task is sent to the electronic seal verification system; the electronic seal verification system generates a corresponding seal verification serial number according to the seal verification task, and sends the seal verification serial number to the employee channel system; a single sign-on method is used to log in to the electronic seal verification system to perform a seal verification operation; the seal verification result returned by the electronic seal verification system is obtained, and based on the seal verification serial number, the corresponding seal verification result is queried in the seal verification result; in response to submitting a business instruction, based on the seal verification result corresponding to the seal verification serial number, it is determined whether to make a payment transaction. Through single sign-on and seal verification serial number restrictions, payment transactions and electronic seal verification system operations can be controlled as the same business. By controlling the seal verification serial number, it can be ensured that the seal verification results returned by the electronic seal verification system are strongly associated with the payment transaction. Payment accounting can only be carried out when the seal verification results are passed, avoiding the situation where tellers transfer customer accounts without seal verification, thereby reducing the operational risks of bank payment transactions and improving the security of the payment transaction system.

[0114] Please see Figure 4 , Figure 4 The structural block diagram of the payment transaction device according to the embodiment of the present application is schematically shown. This embodiment provides a payment transaction device, which is applied to an employee channel system, wherein the employee channel system is used for a business operator to perform a payment transaction operation on a bank account, and the payment transaction device includes a first sending module 410, a second sending module 420, a login module 430, a query module 440 and a determination module 450, wherein:

[0115] The first sending module 410 is used to generate a seal verification task based on current transaction information in response to a seal verification task submission instruction during a transaction entry process, and send the seal verification task to an electronic seal verification system;

[0116] The second sending module 420 is used for the electronic seal verification system to generate a corresponding seal verification serial number according to the seal verification task, and send the seal verification serial number to the employee channel system;

[0117] Login module 430, used to log into the electronic print verification system in a single sign-on manner to perform print verification operations;

[0118] A query module 440 is used to obtain the print verification result returned by the electronic print verification system, and query the print verification result to obtain the corresponding print verification result based on the print verification serial number;

[0119] The determination module 450 is used to determine whether to make a payment transaction based on the print verification result corresponding to the print verification serial number in response to the submission of the business instruction.

[0120] Wherein, the login module 430 includes:

[0121] A login submodule, used to log into the electronic print verification system using a single sign-on method;

[0122] The print verification submodule is used to obtain the print verification information corresponding to the print verification task from the electronic print verification system, and verify the print verification information to obtain the print verification result.

[0123] Wherein, the print verification submodule includes:

[0124] An initial printing verification unit, used to verify the printing information to be verified and obtain an initial printing verification result;

[0125] A judgment unit, used for judging whether to re-verify the information to be verified based on preset business rules and the verification task;

[0126] The re-inspection unit is used to obtain the re-inspection result of the information to be verified when it is determined to re-inspect the information to be verified, and obtain the verification result based on the re-inspection result.

[0127] Wherein, the print verification submodule further includes:

[0128] The initial verification result unit is used to use the initial verification result as the verification result when it is determined that the information to be verified does not need to be re-verified.

[0129] Wherein, the print verification submodule includes:

[0130] A display unit, used for displaying all the print verification tasks by the electronic print verification system to the business operator;

[0131] A selection unit, configured to obtain, by the electronic print verification system, a print verification task selected by the business operator;

[0132] The acquisition unit is used for the electronic print verification system to acquire the corresponding information to be verified based on the print verification task selected by the business operator.

[0133] Wherein, the retest unit comprises:

[0134] A creation subunit is used for, when it is determined that the information to be verified is to be verified, creating a re-inspection task based on the information to be verified, and sending the re-inspection task to a corresponding re-inspection operator;

[0135] The feedback subunit is used to obtain the re-inspection result fed back by the corresponding re-inspection operator to obtain the re-inspection result of the information to be inspected.

[0136] The payment transaction device includes a processor and a memory. The first sending module 410, the second sending module 420, the login module 430, the query module 440 and the determination module 450 are all stored in the memory as program units, and the processor executes the program units stored in the memory to implement corresponding functions.

[0137] The processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and the security of payment transactions can be improved by adjusting kernel parameters.

[0138] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one memory chip.

[0139] An embodiment of the present invention provides a machine-readable storage medium on which a program is stored. When the program is executed by a processor, the payment transaction method is implemented.

[0140] An embodiment of the present invention provides a processor, which is used to run a program, wherein the payment transaction method is executed when the program is run.

[0141] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 5 As shown. The computer device includes a processor A01, a network interface A02, a display screen A04, an input device A05 and a memory (not shown in the figure) connected through a system bus. Among them, the processor A01 of the computer device is used to provide computing and control capabilities. The memory of the computer device includes an internal memory A03 and a non-volatile storage medium A06. The non-volatile storage medium A06 stores an operating system B01 and a computer program B02. The internal memory A03 provides an environment for the operation of the operating system B01 and the computer program B02 in the non-volatile storage medium A06. The network interface A02 of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor A01, a payment transaction method is implemented. The display screen A04 of the computer device can be a liquid crystal display or an electronic ink display, and the input device A05 of the computer device can be a touch layer covered on the display screen, or a key, trackball or touchpad set on the computer device housing, or an external keyboard, touchpad or mouse.

[0142] Those skilled in the art will understand that Figure 5The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0143] In one embodiment, the payment transaction device provided by the present application can be implemented in the form of a computer program. The computer program can be Figure 5 The memory of the computer device may store various program modules constituting the payment transaction device, such as: Figure 4 The first sending module 410, the second sending module 420, the login module 430, the query module 440 and the determination module 450 are shown. The computer program composed of various program modules enables the processor to execute the steps of the payment transaction method of each embodiment of the present application described in this specification.

[0144] Figure 5 The computer device shown can be Figure 4 The first sending module 410 in the payment transaction device shown executes step 210. The computer device may execute step 220 via the second sending module 420. The computer device may execute step 230 via the login module 430. The computer device may execute step 240 via the query module 440.

[0145] The present application also provides a computer program product, which is applied to an employee channel system, wherein the employee channel system is used for a business operator to perform payment transaction operations on a bank account, and when executed on a data processing device, is suitable for executing a program that is initialized with the following method steps:

[0146] In the transaction entry process, in response to the instruction to submit a seal verification task, a seal verification task is generated based on current transaction information, and the seal verification task is sent to the electronic seal verification system;

[0147] The electronic seal verification system generates a corresponding seal verification serial number according to the seal verification task, and sends the seal verification serial number to the employee channel system;

[0148] Log into the electronic print verification system by single sign-on to perform print verification operations;

[0149] Obtaining the print verification result returned by the electronic print verification system, and based on the print verification serial number, querying the print verification result to obtain the corresponding print verification result;

[0150] In response to submitting the business instruction, determining whether to make a payment transaction is based on the print verification result corresponding to the print verification serial number.

[0151] In one embodiment, the single sign-on method is used to log into the electronic print verification system to perform the print verification operation, including:

[0152] Logging into the electronic print verification system using a single sign-on method;

[0153] The electronic print verification system obtains the print verification information corresponding to the print verification task, and performs print verification on the print verification information to obtain a print verification result.

[0154] In one embodiment, the step of verifying the information to be verified and obtaining a verification result includes:

[0155] Verifying the information to be verified to obtain an initial verification result;

[0156] Based on the preset business rules and the print verification task, determine whether to re-verify the print information to be verified;

[0157] In the case where it is determined to re-inspect the information to be verified, a re-inspection result of the information to be verified is obtained, and a verification result is obtained based on the re-inspection result.

[0158] In one embodiment, it further includes:

[0159] In the case where it is determined that the information to be verified is not to be re-verified, the initial verification result is used as the verification result.

[0160] In one embodiment, the electronic print verification system obtains the print verification information corresponding to the print verification task, including:

[0161] The electronic seal verification system displays all seal verification tasks to the business operator;

[0162] The electronic seal verification system obtains the seal verification task selected by the business operator;

[0163] The electronic print verification system obtains corresponding print verification information based on the print verification task selected by the business operator.

[0164] In one embodiment, when it is determined that the information to be verified is to be verified, obtaining the verification result of the information to be verified includes:

[0165] In the case where it is determined to re-inspect the information to be inspected, a re-inspection task is created based on the information to be inspected, and the re-inspection task is sent to a corresponding re-inspection operator;

[0166] The re-inspection result fed back by the corresponding re-inspection operator is obtained to obtain the re-inspection result of the information to be inspected.

[0167] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0168] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0169] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0170] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0171] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0172] The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0173] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0174] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0175] The above are only embodiments of the present application and are not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included within the scope of the claims of the present application.

Claims

1. A payment transaction method, characterized in that: Applied to an employee channel system, the employee channel system is used for a business operator to perform a payment transaction operation on a bank account, and the payment transaction method includes: In the transaction entry process, in response to the instruction to submit a seal verification task, a seal verification task is generated based on current transaction information, and the seal verification task is sent to the electronic seal verification system; The electronic seal verification system generates a corresponding seal verification serial number according to the seal verification task, and sends the seal verification serial number to the employee channel system; Log into the electronic print verification system by single sign-on to perform print verification operations; Obtaining the print verification result returned by the electronic print verification system, and based on the print verification serial number, querying the print verification result to obtain the corresponding print verification result; In response to submitting the business instruction, determining whether to make a payment transaction is based on the print verification result corresponding to the print verification serial number.

2. The payment transaction method according to claim 1, characterized in that: The single sign-on method is used to log in to the electronic print verification system to perform the print verification operation, including: Logging into the electronic print verification system using a single sign-on method; The electronic print verification system obtains the print verification information corresponding to the print verification task, and performs print verification on the print verification information to obtain a print verification result.

3. The payment transaction method according to claim 2, characterized in that: The electronic print verification system obtains the print verification information corresponding to the print verification task, including: The electronic seal verification system displays all seal verification tasks to the business operator; The electronic seal verification system obtains the seal verification task selected by the business operator; The electronic print verification system obtains corresponding print verification information based on the print verification task selected by the business operator.

4. The payment transaction method according to claim 2, characterized in that: The step of verifying the information to be verified and obtaining a verification result includes: Verifying the information to be verified to obtain an initial verification result; Based on the preset business rules and the print verification task, determine whether to re-verify the print information to be verified; In the case where it is determined to re-inspect the information to be verified, a re-inspection result of the information to be verified is obtained, and a verification result is obtained based on the re-inspection result.

5. The payment transaction method according to claim 4, characterized in that: In the case where it is determined that the information to be verified is to be re-verified, obtaining the re-verification result of the information to be verified includes: In the case where it is determined to re-inspect the information to be inspected, a re-inspection task is created based on the information to be inspected, and the re-inspection task is sent to a corresponding re-inspection operator; The re-inspection result fed back by the corresponding re-inspection operator is obtained to obtain the re-inspection result of the information to be inspected.

6. The payment transaction method according to claim 4, characterized in that: Also includes: In the case where it is determined that the information to be verified is not to be re-verified, the initial verification result is used as the verification result.

7. A payment transaction system, characterized in that: Including employee channel system and electronic print verification system; The employee channel system is used to generate a seal verification task based on current transaction information in response to a seal verification task submission instruction during a transaction entry process, and send the seal verification task to an electronic seal verification system, and log in to the electronic seal verification system in a single sign-on manner to perform a seal verification operation; it is also used to obtain a seal verification result returned by the electronic seal verification system, and query the seal verification result to obtain a corresponding seal verification result based on a seal verification serial number; In response to submitting the business instruction, determining whether to perform a payment transaction based on the print verification result corresponding to the print verification serial number; The electronic print verification system is used to generate a corresponding print verification serial number according to the print verification task, and send the print verification serial number to the employee channel system; it is also used to perform a print verification operation and send the print verification result to the employee channel system.

8. A payment transaction device, characterized in that: Applied to an employee channel system, the employee channel system is used by a business operator to perform payment transaction operations on a bank account, and the payment transaction device includes: A first sending module is used to generate a seal verification task based on current transaction information in response to a seal verification task submission instruction during a transaction entry process, and send the seal verification task to an electronic seal verification system; A second sending module is used for the electronic seal verification system to generate a corresponding seal verification serial number according to the seal verification task, and send the seal verification serial number to the employee channel system; A login module, used to log into the electronic print verification system in a single sign-on manner to perform print verification operations; A query module, used to obtain the print verification result returned by the electronic print verification system, and based on the print verification serial number, query the print verification result to obtain the corresponding print verification result; The determination module is used to respond to the submission of the business instruction and determine whether to make a payment transaction based on the verification result corresponding to the verification serial number.

9. A processor, characterized in that: Configured to execute a payment transaction method according to any one of claims 1 to 6.

10. A machine-readable storage medium having instructions stored thereon, characterized in that: When the instructions are executed by a processor, the processor is configured to perform a payment transaction method according to any one of claims 1 to 6.

11. A computer program product, comprising a computer program, characterized in that The computer program implements the payment transaction method according to any one of claims 1 to 6 when executed by a processor.

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