Method, device and equipment for processing business data and computer readable medium

Abstract

The invention discloses a business data processing method, device and equipment and a computer readable medium, and relates to the technical field of mobile internet. A specific embodiment of the method comprises: receiving and responding to an amount query request, constructing an encrypted message based on a service identifier in the amount query request, and sending the encrypted message to a service server of the service identifier to obtain a feedback message sent by the service server, the feedback message comprising a payment amount; in response to the operation request of the payment amount, sending a payment request including the payment identifier and the payment amount to the bank server within the operation time limit, and receiving a payment feedback message sent by the bank server within the payment time limit; and constructing a settlement mode entry request based on the payment feedback message, establishing an account checking file according to a settlement period in combination with the settlement entry request, and sending the account checking file to a service server to realize entry operation of the entry request. According to the embodiment, the operation requirement of the user can be met, and the business data processing efficiency is improved.

Description

Technical Field

[0001] The present invention relates to the field of mobile internet technology, and in particular to a method, device, equipment and computer-readable medium for processing business data. Background Art

[0002] Social security payment is one of the basic safeguards for people in modern society, but most social security systems and banking systems operate independently, and most payments are made through the Internet and offline counters.

[0003] In the process of realizing the present invention, the inventors found that there are at least the following problems in the prior art: the technical threshold for Internet operation is high, and counter operation has time limits. Summary of the invention

[0004] In view of this, embodiments of the present invention provide a method, apparatus, device and computer-readable medium for processing business data, which can meet the operational requirements of users and improve the efficiency of processing business data.

[0005] To achieve the above object, according to one aspect of an embodiment of the present invention, a method for processing business data is provided, comprising:

[0006] Receiving and responding to a request for querying the amount, constructing an encrypted message based on the service identifier in the request for querying the amount, and sending the encrypted message to a service server of the service identifier to obtain a feedback message sent by the service server, wherein the feedback message includes the payment amount;

[0007] In response to the operation request for the payment amount, sending a payment request including a payment identifier and a payment amount to a bank server within an operation time limit and receiving a payment feedback message sent by the bank server within a payment time limit;

[0008] A settlement mode crediting request is constructed based on the payment feedback message, a reconciliation file is established according to the billing cycle in combination with the settlement crediting request, and the reconciliation file is sent to the business server to implement the crediting operation of the crediting request.

[0009] The receiving and responding to the amount inquiry request, constructing an encrypted message based on the business identifier in the amount inquiry request, and sending the encrypted message to the business server of the business identifier to obtain a feedback message sent by the business server, including:

[0010] Sending a public key encrypted service authentication message to the service server, and receiving a query device authentication key sent by the service server, wherein the authentication message includes a device identifier and an authentication key;

[0011] Receive and respond to the amount inquiry request, construct an encrypted message based on the business identifier in the amount inquiry request and the inquiry device authentication key, and send the encrypted message to the business server of the business identifier to obtain a feedback message sent by the business server.

[0012] The step of sending the public key encrypted service authentication message to the service server and receiving the query device authentication key sent by the service server comprises:

[0013] Sending a public key encrypted business authentication message to the business server, and receiving a query device authentication key sent by the business server, wherein the query device authentication key is updated based on the previous query device authentication key and the number of times the amount inquiry request is sent;

[0014] The receiving and responding to the amount inquiry request, and constructing an encrypted message based on the service identifier in the amount inquiry request and the inquiry device authentication key, includes:

[0015] Receive and respond to the amount inquiry request, and construct an encrypted message based on the business identifier in the amount inquiry request, the number of times the amount inquiry request is sent, and the inquiry device authentication key.

[0016] The step of responding to the operation request for the payment amount, sending a payment request including a payment identifier and a payment amount to a bank server within an operation time limit and receiving a payment feedback message sent by the bank server within a payment time limit comprises:

[0017] Sending a public key-encrypted bank authentication message to the bank server, and receiving an operation device authentication key sent by the bank server, wherein the bank authentication message includes a device identifier and a bank authentication key;

[0018] In response to the operation request for the payment amount, a payment request including a payment identifier, the operation device authentication key and the payment amount is sent to a bank server within an operation time limit, and a payment feedback message sent by the bank server is received within a payment time limit.

[0019] The step of sending the public key encrypted bank authentication message to the bank server and receiving the operation device authentication key sent by the bank server includes:

[0020] Sending a public key-encrypted bank authentication message to the bank server, and receiving an operation device authentication key sent by the bank server, wherein the operation device authentication key is updated based on the previous operation device authentication key combined with the number of times the operation request is sent;

[0021] The step of responding to the operation request for the payment amount and sending a payment request including a payment identifier, the operation device authentication key and the payment amount to a bank server within an operation time limit comprises:

[0022] In response to the operation request for the payment amount, a payment request including the payment identifier, the operation device authentication key, the number of times the operation request is sent and the payment amount is sent to the bank server within the operation time limit.

[0023] The step of constructing a settlement mode account entry request based on the payment feedback message, establishing a reconciliation file according to a settlement cycle in combination with the settlement account entry request, and sending the reconciliation file to the business server to implement the account entry operation of the account entry request includes:

[0024] Building a settlement mode account entry request based on the payment amount in the payment feedback message and the cumulative number of times the amount inquiry request is sent, and building a reconciliation file according to the billing cycle in combination with the settlement account entry request;

[0025] The reconciliation file is sent to the business server according to the billing cycle, so that the business server implements the account entry operation of the account entry request based on the payment amount and the accumulated number of requests for sending the amount inquiry.

[0026] The step of constructing a settlement mode account entry request based on the payment feedback message, establishing a reconciliation file according to a settlement cycle in combination with the settlement account entry request, and sending the reconciliation file to the business server to implement the account entry operation of the account entry request includes:

[0027] Building a settlement mode account entry request based on the payment amount in the payment feedback message, the cumulative number of times the amount inquiry request is sent, and the cumulative number of times the operation request is sent, and building a reconciliation file according to the billing cycle in combination with the settlement account entry request;

[0028] The reconciliation file is sent to the business server according to the billing cycle, so that the business server implements the account entry operation of the account entry request based on the payment amount, the cumulative number of times the query amount request is sent, and the cumulative number of times the operation request is sent.

[0029] According to a second aspect of an embodiment of the present invention, there is provided a device for processing service data, including:

[0030] A business module, used to receive and respond to a request for querying the amount, construct an encrypted message based on a business identifier in the request for querying the amount, and send the encrypted message to a business server of the business identifier to obtain a feedback message sent by the business server, wherein the feedback message includes the payment amount;

[0031] A bank module, configured to respond to the operation request for the payment amount, send a payment request including a payment identifier and the payment amount to a bank server within an operation time limit, and receive a payment feedback message sent by the bank server within a payment time limit;

[0032] The account entry module is used to construct a settlement mode account entry request based on the payment feedback message, establish a reconciliation file according to the settlement cycle in combination with the settlement account entry request, and send the reconciliation file to the business server to implement the account entry operation of the account entry request.

[0033] According to a third aspect of an embodiment of the present invention, there is provided an electronic device for processing service data, including:

[0034] one or more processors;

[0035] a storage device for storing one or more programs,

[0036] When the one or more programs are executed by the one or more processors, the one or more processors implement the above method.

[0037] According to a fourth aspect of an embodiment of the present invention, there is provided a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the method as described above is implemented.

[0038] According to a fifth aspect of an embodiment of the present invention, a computer program product is provided, including a computer program, and when the program is executed by a processor, the method as described above provided by an embodiment of the present invention is implemented.

[0039] One embodiment of the above invention has the following advantages or beneficial effects: receiving and responding to a request for querying the amount, constructing an encrypted message based on the business identifier in the request for querying the amount, and sending the encrypted message to the business server to obtain a feedback message sent by the business server of the business identifier, wherein the feedback message includes the payment amount; responding to an operation request for the payment amount, sending a payment request including the payment identifier and the payment amount to the bank server within the operation time limit and receiving a payment feedback message sent by the bank server within the payment time limit; constructing a settlement mode account entry request based on the payment feedback message, establishing a reconciliation file according to the settlement cycle in combination with the settlement account entry request, and sending the reconciliation file to the business server to implement the account entry operation of the account entry request. That is, both the query amount request and the payment amount operation request can be processed, which can meet the user's operation needs and improve the efficiency of processing business data.

[0040] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0041] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0042] Figure 1 is a schematic diagram of the main flow of a method for processing business data according to an embodiment of the present invention;

[0043] Figure 2 is a schematic diagram of a process of sending an amount inquiry request to a business server according to an embodiment of the present invention;

[0044] Figure 3 It is a schematic diagram of a process of constructing an encrypted message based on a request for querying an amount according to an embodiment of the present invention;

[0045] Figure 4 is a schematic diagram of a process of sending a payment request to a bank server according to an embodiment of the present invention;

[0046] Figure 5 is a schematic diagram of a process of sending a bank authentication message according to an embodiment of the present invention;

[0047] Figure 6 is a schematic diagram of a process of establishing a reconciliation file and sending the reconciliation file according to an embodiment of the present invention;

[0048] Figure 7 is another flowchart of establishing and sending a reconciliation file according to an embodiment of the present invention;

[0049] Figure 8 is a schematic diagram of the main structure of a device for processing business data according to an embodiment of the present invention;

[0050] Fig. 9 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0051] Fig.10 It is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0052] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description. The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0053] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0054] Social security payment involves the social security system and the banking system. In the process of online social security payment, the Internet has a high threshold and complicated operation for some people. When paying manually at the offline counter, the social security system and the bank card system are independent, and the operation process is cumbersome for operators, resulting in low efficiency in processing business data.

[0055] In order to solve the low efficiency of processing business data, the following technical solution in the embodiment of the present invention can be adopted.

[0056] See also Figure 1 , Figure 1 This is a schematic diagram of the main flow of the method for processing business data according to an embodiment of the present invention, which can process both the amount inquiry request and the payment amount operation request, thereby improving the efficiency of processing business data. Figure 1 As shown in 100, the following steps are specifically included:

[0057] S101, receiving and responding to a request for querying the amount, constructing an encrypted message based on the service identifier in the request for querying the amount, and sending the encrypted message to a service server to obtain a feedback message sent by the service server of the service identifier, wherein the feedback message includes the payment amount.

[0058] In an embodiment of the present invention, a user sends a request for querying the amount through a client. As an example, the client may be set in a point of sales (POS). As another example, the client may be set in an application (APP) or a browser of a mobile terminal. In other words, Figure 1 The execution subject of each step is the client.

[0059] The client receives and responds to the amount inquiry request, and constructs an encrypted message based on the business identifier in the amount inquiry request. The encrypted message is used to obtain the payment amount. The encrypted message is sent to the business server of the business identifier to obtain the feedback message sent by the business server, which includes the payment amount.

[0060] In an embodiment of the present invention, the business server is a server that stores payment amounts to implement business. As an example, the business server includes a social security server. As another example, the business server includes a server that provides business services.

[0061] See also Figure 2 That is 200, Figure 2This is a flow chart of sending a request for querying an amount to a business server according to an embodiment of the present invention. Specifically, it includes the following steps:

[0062] S201. Send a public key encrypted service authentication message to a service server, and receive a query device authentication key sent by the service server. The authentication message includes a device identifier and an authentication key.

[0063] In the embodiment of the present invention, in order to ensure the security of data exchanged with the service server, mutual authentication with the service server is required.

[0064] Specifically, a service authentication message encrypted with a public key is sent to the service server, and the authentication message includes a device identifier and an authentication key. The public key is pre-stored in the client and the service server. The device identifier is used to identify the client. The authentication key is obtained by the client according to the key algorithm.

[0065] After receiving the encrypted service authentication message sent by the client, the service server uses the public key to decrypt and obtain the device identification and authentication key in the service authentication message. As an example, the service server uses the blacklist or whitelist to verify the device identification, and successfully obtains the authentication key using the key algorithm, and then sends a query for the device authentication key. The purpose of sending the query for the device authentication key is to verify the encrypted message.

[0066] S202, receiving and responding to the amount inquiry request, constructing an encrypted message based on the business identifier in the amount inquiry request and the inquiry device authentication key, and sending the encrypted message to the business server of the business identifier to obtain a feedback message sent by the business server.

[0067] In an embodiment of the present invention, the client receives a request for querying an amount sent by a user. As an example, the request for querying an amount includes querying a social security payment amount.

[0068] The client responds to the amount inquiry request and constructs an encrypted message based on the business identifier and the query device authentication key in the amount inquiry request. As an example, the business identifier includes a social security business identifier. Then, the encrypted message is constructed using the business identifier and the query device authentication key in the amount inquiry request. Then, the business server has multiple business servers that can directly send encrypted messages to the business identifier to implement the query in the business server. After successfully verifying the query device authentication key, the business service sends a feedback message, which includes the payment amount corresponding to the business identifier.

[0069] exist Figure 2 In the embodiment, in order to improve data security, the user first authenticates with the business server, and then sends an encrypted message to the business server to obtain the payment amount.

[0070] See also Figure 3 That is 300, Figure 3 This is a flow chart of constructing an encrypted message based on a request for querying the amount according to an embodiment of the present invention. Specifically, it includes the following steps:

[0071] S301. Send a public key encrypted business authentication message to a business server, and receive a query device authentication key sent by the business server. The query device authentication key is updated based on the previous query device authentication key combined with the number of times the query amount request is sent.

[0072] In one embodiment of the present invention, a public key encrypted service authentication message is sent to a service server, and a query device authentication key sent by the service server is received. For the service server, each query device authentication key sent is different. Specifically, the query device authentication key is updated based on the previous query device authentication key combined with the number of times the query amount request is sent.

[0073] As an example, the query device authentication key includes a current session key serial number, which increases with the number of query amount requests. The current session key serial number is the cumulative number of query amount requests for the previous query device authentication key plus 1.

[0074] The query device authentication key is used to ensure the uniqueness of the transaction key. Each transaction can use a unique query device authentication key, which enhances the security of the transaction. Even for the same client, the business server will generate different query device authentication keys. If the current query device authentication key is cracked, it will not affect other query device authentication keys, thereby enhancing the overall security.

[0075] S302: Receive and respond to the amount inquiry request, and construct an encrypted message based on the business identifier in the amount inquiry request, the number of times the amount inquiry request is sent, and the query device authentication key.

[0076] The client receives and responds to the amount inquiry request, and constructs an encrypted message based on the business identifier in the amount inquiry request, the number of times the amount inquiry request is sent, and the query device authentication key. The encrypted message includes the number of times the amount inquiry request is sent, thereby strengthening the authentication of the client. As an example, the format of the encrypted message is xml.

[0077] exist Figure 3 In the embodiment, by querying the use of the device authentication key, the security of the data interacting with the business server can be effectively guaranteed.

[0078] S102. In response to the operation request for the payment amount, a payment request including a payment identifier and the payment amount is sent to a bank server within an operation time limit, and a payment feedback message sent by the bank server is received within a payment time limit.

[0079] In an embodiment of the present invention, after obtaining the feedback message sent by the service server, the payment amount in the feedback message can be displayed. In response to the feedback message, the user can send an operation request for the payment amount on the client. As an example, the operation request for the payment amount includes an operation request for paying the payment amount.

[0080] In response to the operation request for the payment amount, the client sends a payment request including a payment identifier and the payment amount to the bank server within the operation time limit, so as to realize the payment of the payment amount through the bank server. Then, the client receives a payment feedback message sent by the bank server within the payment time limit.

[0081] See also Figure 4 That is 400, Figure 4 This is a flow chart of sending a payment request to a bank server according to an embodiment of the present invention. Specifically, it includes the following steps:

[0082] S401. Send a public key encrypted bank authentication message to a bank server, and receive an operation device authentication key sent by the bank server. The bank authentication message includes a device identifier and a bank authentication key.

[0083] In an embodiment of the present invention, in order to improve the security of the operation request, the operation device authentication key may be obtained from the bank server.

[0084] Specifically, a bank authentication message encrypted with a public key is sent to a bank server, and the bank authentication message includes a device identifier and a bank authentication key. The device identifier is the client identifier. The bank authentication key is obtained in advance from the bank server. After successfully authenticating the client identifier and the bank authentication key, the bank server sends an operation device authentication key. The operation device authentication key is used for the bank server to authenticate the client. After successfully authenticating the client, the bank server sends the operation device authentication key.

[0085] S402. In response to the operation request for the payment amount, a payment request including a payment identifier, an operation device authentication key and a payment amount is sent to a bank server within the operation time limit, and a payment feedback message sent by the bank server is received within the payment time limit.

[0086] After the client displays the payment amount, the user sends an operation request for the payment amount through the client within the operation time limit. In response to the operation request for the payment amount, the client sends a payment request including a payment identifier, an operation device authentication key, and the payment amount to the bank server within the operation time limit. The bank server processes the operation request based on the payment identifier, the operation device authentication key, and the payment amount. As an example, the payment identifier includes a bank account identifier.

[0087] In an embodiment of the present invention, the validity of an operation request is identified by an operation time limit. As an example, the operation time limit includes 300 seconds. As another example, the operation time limit is preset for a client. For example, the average operation time limit based on the historical operation requests of the client is used as the operation time limit of the client, thereby satisfying the targeted setting of the operation time limit of the client.

[0088] In addition, considering the security of the bank server interaction information, it is necessary to receive the payment feedback message sent by the bank server within the payment time limit. For the bank server, it will receive a large number of operation requests in a short period of time, and the payment time limit is used to control the timeliness of the payment feedback message. If the payment feedback message sent by the bank server is not received within the payment time limit, it means that the bank server load is high and the payment request can be sent again; if the payment feedback message sent by the bank server is received within the payment time limit, it means that the bank server load is normal and the payment request can be processed normally.

[0089] Through the operation time limit and payment time limit, while ensuring the validity of the operation request, the validity of the payment feedback message is ensured so that the payment amount can be processed in time on the bank server.

[0090] After the bank server successfully processes the operation request based on the payment identifier, the operation device authentication key and the payment amount, it sends a payment feedback message. As an example, the payment feedback message includes payment success.

[0091] exist Figure 4 In the embodiment, authentication with the bank server is implemented through a bank authentication message to improve the security of business data processing of the operation request.

[0092] See also Figure 5 That is 500, Figure 5 1 is a flow chart of sending a bank authentication message according to an embodiment of the present invention. Specifically, the following steps are included:

[0093] S501. Send a public key encrypted bank authentication message to a bank server, and receive an operation device authentication key sent by the bank server. The operation device authentication key is updated based on the previous operation device authentication key combined with the number of operation requests sent.

[0094] In an embodiment of the present invention, a public key encrypted bank authentication message is sent to a bank server. The purpose of sending the bank authentication message is to obtain an operation device authentication key. The operation device authentication key is updated based on the previous operation device authentication key combined with the number of times the operation request is sent.

[0095] As an example, the operation device authentication key includes the serial number of the operation request, and as the number of operation requests increases, the operation device authentication key changes accordingly. The operation device authentication key is updated based on the previous operation device authentication key combined with the number of operation requests sent increasing by one.

[0096] S502. In response to the operation request for the payment amount, a payment request including a payment identifier, an operation device authentication key, the number of times the operation request is sent, and the payment amount is sent to a bank server within the operation time limit.

[0097] Receive an operation request sent by the user through the client, and in response to the operation request, send a payment request to the bank server. The payment request includes a payment identifier, an operation device authentication key, the number of times the operation request was sent, and the payment amount.

[0098] The payment ID, the operation device authentication key, and the number of times the operation request is sent can uniquely identify the payment request. The bank server uses the payment ID, the operation device authentication key, and the number of times the operation request is sent to authenticate the client. After successfully authenticating the client, the server sends a payment feedback request. For example, the payment feedback request includes a payment success ID.

[0099] exist Figure 5 In the embodiment, in order to increase the security of the business data interacting with the bank server, the operation device authentication key updated by the number of times the operation request is sent is used to ensure the uniqueness of the payment request. This is to achieve the operation of deducting the payment amount on the bank server.

[0100] S103: construct a settlement mode account entry request based on the payment feedback message, create a reconciliation file according to the settlement cycle in combination with the settlement account entry request, and send the reconciliation file to the business server to implement the account entry operation of the account entry request.

[0101] In an embodiment of the present invention, after receiving the payment feedback message sent by the bank server, a settlement mode crediting request can be constructed based on the payment feedback message. A reconciliation file is established according to the settlement cycle in combination with the settlement crediting request, and the reconciliation file is sent to the business server to implement the crediting operation of the crediting request.

[0102] See also Figure 6 That is 600, Figure 6 This is a flow chart of establishing and sending a reconciliation file according to an embodiment of the present invention. Specifically, it includes the following steps:

[0103] S601. Construct a settlement mode entry request based on the payment amount in the payment feedback message and the cumulative number of times the amount inquiry request is sent, and establish a reconciliation file according to the settlement cycle in combination with the settlement entry request.

[0104] In the embodiment of the present invention, a reconciliation file is established through a settlement mode account entry request to implement an account entry operation of the business server.

[0105] A settlement mode credit request is constructed based on the payment amount in the payment feedback message and the cumulative number of times the amount inquiry request is sent. The cumulative number of times the amount inquiry request is sent is used to verify the client. A reconciliation file is established according to the billing cycle in combination with the settlement credit request. As an example, the billing cycle includes 24 hours.

[0106] S602: Send the reconciliation file to the business server according to the settlement cycle, so that the business server can implement the entry operation of the entry request based on the payment amount and the cumulative number of times the amount inquiry request is sent.

[0107] The reconciliation file is sent to the business server according to the billing cycle. The business server compares the cumulative number of amount inquiry requests sent with the cumulative number of amount inquiry requests stored in its own storage. If the verification is successful, the account entry operation of the account entry request is implemented according to the payment amount; if the verification fails, the client is prompted that the account entry operation has failed.

[0108] exist Figure 6 In the embodiment of the present invention, the settlement crediting request is verified by checking the cumulative number of amount inquiry requests to improve the security of interaction with the business server.

[0109] See also Figure 7 That is 700, Figure 7 This is another flow chart of establishing and sending a reconciliation file according to an embodiment of the present invention. Specifically, it includes the following steps:

[0110] S701. Construct a settlement mode entry request based on the payment amount in the payment feedback message, the cumulative number of times the amount inquiry request is sent, and the cumulative number of times the operation request is sent, and establish a reconciliation file according to the settlement cycle in combination with the settlement entry request.

[0111] In an embodiment of the present invention, in order to improve the reliability of the settlement entry request, a settlement mode entry request is constructed based on the payment amount in the payment feedback message, the cumulative number of times the amount inquiry request is sent, and the cumulative number of times the operation request is sent. Then, a reconciliation file is established according to the billing cycle in combination with the settlement entry request.

[0112] The cumulative number of times the amount inquiry request is sent is used to verify the validity of the client and the business server. The cumulative number of times the operation request is sent is used to verify the validity of the client and the bank server.

[0113] S702. Send the reconciliation file to the business server according to the settlement cycle, so that the business server implements the account entry operation of the account entry request based on the payment amount, the cumulative number of times the amount inquiry request is sent, and the cumulative number of times the operation request is sent.

[0114] The reconciliation file is sent to the business server according to the settlement cycle. On the one hand, the business server compares the cumulative number of inquiries sent by the client with the cumulative number of inquiries sent by the client stored in itself to verify the validity of the client and the business server; on the other hand, the business server compares the cumulative number of operation requests sent by the client with the cumulative number of operation requests sent by the client obtained from the bank server to verify the validity of the client and the bank server.

[0115] After both of the above aspects are successfully verified, the business server implements the entry operation of the entry request.

[0116] exist Figure 7 In the embodiment, the business server and the bank server are verified respectively using the cumulative number of times the amount inquiry request is sent and the cumulative number of times the operation request is sent, so as to improve the data security of the interaction with multiple servers.

[0117] In the above-mentioned embodiment of the present invention, a request for querying the amount is received and responded to, an encrypted message is constructed based on the business identifier in the request for querying the amount, and the encrypted message is sent to the business server of the business identifier to obtain a feedback message sent by the business server, wherein the feedback message includes the payment amount; in response to the operation request for the payment amount, a payment request including the payment identifier and the payment amount is sent to the bank server within the operation time limit and a payment feedback message sent by the bank server is received within the payment time limit; a settlement mode entry request is constructed based on the payment feedback message, a reconciliation file is established according to the settlement cycle in combination with the settlement entry request, and the reconciliation file is sent to the business server to implement the entry operation of the entry request. That is, both the query amount request and the payment amount operation request can be processed, which can meet the user's operation requirements and improve the efficiency of processing business data. The risks that may be introduced by manual operation are eliminated, and the labor and time costs in operation are reduced.

[0118] See also Figure 8 , Figure 8 is a schematic diagram of the main structure of a device for processing business data according to an embodiment of the present invention. The device for processing business data can implement a method for processing business data, such as Figure 8 As shown in 800, the device for processing business data specifically includes:

[0119] The business module 801 is used to receive and respond to the amount inquiry request, construct an encrypted message based on the business identifier in the amount inquiry request, and send the encrypted message to the business server of the business identifier to obtain a feedback message sent by the business server, wherein the feedback message includes the payment amount;

[0120] The bank module 802 is used to respond to the operation request of the payment amount, send a payment request including a payment identifier and a payment amount to a bank server within an operation time limit, and receive a payment feedback message sent by the bank server within a payment time limit;

[0121] The account entry module 803 is used to construct a settlement mode account entry request based on the payment feedback message, establish a reconciliation file according to the settlement cycle in combination with the settlement account entry request, and send the reconciliation file to the business server to implement the account entry operation of the account entry request.

[0122] In one embodiment of the present invention, the business module 801 is specifically used to send a business authentication message encrypted with a public key to the business server, and receive a query device authentication key sent by the business server, wherein the authentication message includes a device identifier and an authentication key;

[0123] Receive and respond to the amount inquiry request, construct an encrypted message based on the business identifier in the amount inquiry request and the inquiry device authentication key, and send the encrypted message to the business server of the business identifier to obtain a feedback message sent by the business server.

[0124] In one embodiment of the present invention, the business module 801 is specifically used to send a business authentication message encrypted with a public key to the business server, and receive a query device authentication key sent by the business server, wherein the query device authentication key is updated based on the previous query device authentication key combined with the number of times the query amount request is sent;

[0125] Receive and respond to the amount inquiry request, and construct an encrypted message based on the business identifier in the amount inquiry request, the number of times the amount inquiry request is sent, and the inquiry device authentication key.

[0126] In one embodiment of the present invention, the bank module 802 is specifically used to send a public key encrypted bank authentication message to the bank server, and receive an operation device authentication key sent by the bank server, wherein the bank authentication message includes a device identifier and a bank authentication key;

[0127] In response to the operation request for the payment amount, a payment request including a payment identifier, the operation device authentication key and the payment amount is sent to a bank server within an operation time limit, and a payment feedback message sent by the bank server is received within a payment time limit.

[0128] In one embodiment of the present invention, the bank module 802 is specifically used to send a public key encrypted bank authentication message to the bank server, and receive an operation device authentication key sent by the bank server, where the operation device authentication key is updated based on the previous operation device authentication key combined with the number of times the operation request is sent;

[0129] In response to the operation request for the payment amount, a payment request including the payment identifier, the operation device authentication key, the number of times the operation request is sent and the payment amount is sent to the bank server within the operation time limit.

[0130] In one embodiment of the present invention, the account entry module 803 is specifically used to construct a settlement mode account entry request based on the payment amount in the payment feedback message and the cumulative number of times the amount inquiry request is sent, and to establish a reconciliation file according to the settlement cycle in combination with the settlement account entry request;

[0131] The reconciliation file is sent to the business server according to the billing cycle, so that the business server implements the account entry operation of the account entry request based on the payment amount and the accumulated number of requests for sending the amount inquiry.

[0132] In one embodiment of the present invention, the account entry module 803 is specifically used to construct a settlement mode account entry request based on the payment amount in the payment feedback message, the cumulative number of times the amount inquiry request is sent, and the cumulative number of times the operation request is sent, and to establish a reconciliation file according to the settlement cycle in combination with the settlement account entry request;

[0133] The reconciliation file is sent to the business server according to the billing cycle, so that the business server implements the account entry operation of the account entry request based on the payment amount, the cumulative number of times the query amount request is sent, and the cumulative number of times the operation request is sent.

[0134] Fig. 9 An exemplary system architecture 900 is shown to which the method for processing business data or the apparatus for processing business data according to the embodiments of the present invention can be applied.

[0135] like Fig. 9 As shown, system architecture 900 may include terminal devices 901, 902, 903, network 904 and server 905. Network 904 is used to provide a medium for communication links between terminal devices 901, 902, 903 and server 905. Network 904 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0136] The user can use the terminal devices 901, 902, 903 to interact with the server 905 through the network 904 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 901, 902, 903, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only for example).

[0137] The terminal devices 901 , 902 , and 903 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers, etc.

[0138] The server 905 may be a server that provides various services, such as a backend management server (only an example) that provides support for shopping websites browsed by users using the terminal devices 901, 902, and 903. The backend management server may analyze and process the received data such as product information query requests, and feed back the processing results (such as target push information, product information - only an example) to the terminal device.

[0139] It should be noted that the method for processing business data provided in the embodiment of the present invention is generally executed by the server 905 , and accordingly, the device for processing business data is generally set in the server 905 .

[0140] It should be understood that Fig. 9 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0141] A computer program product according to an embodiment of the present invention includes a computer program, and when the program is executed by a processor, the method for processing business data provided by the embodiment of the present invention is implemented.

[0142] Reference below Fig.10 , which shows a schematic diagram of the structure of a computer system 1000 of a terminal device suitable for implementing an embodiment of the present invention. Fig.10 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0143] like Fig.10As shown, the computer system 1000 includes a central processing unit (CPU) 1001, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage part 1008 into a random access memory (RAM) 1003. In the RAM 1003, various programs and data required for the operation of the system 1000 are also stored. The CPU 1001, the ROM 1002, and the RAM 1003 are connected to each other through a bus 1004. An input / output (I / O) interface 1005 is also connected to the bus 1004.

[0144] The following components are connected to the I / O interface 1005: an input section 1006 including a keyboard, a mouse, etc.; an output section 1007 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1008 including a hard disk, etc.; and a communication section 1009 including a network interface card such as a LAN card, a modem, etc. The communication section 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I / O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1010 as needed, so that a computer program read therefrom is installed into the storage section 1008 as needed.

[0145] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1009, and / or installed from the removable medium 1011. When the computer program is executed by the central processing unit (CPU) 1001, the above-mentioned functions defined in the system of the present invention are executed.

[0146] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0147] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0148] The modules involved in the embodiments of the present invention may be implemented in software or hardware. The modules described may also be set in a processor. For example, they may be described as: a processor including a business module, a bank module, and an account entry module. The names of these modules do not, in some cases, constitute limitations on the modules themselves. For example, a business module may also be described as "used to receive and respond to an amount inquiry request, construct an encrypted message based on the business identifier in the amount inquiry request, and send the encrypted message to the business server of the business identifier to obtain a feedback message sent by the business server, wherein the feedback message includes the payment amount".

[0149] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0150] Receiving and responding to a request for querying the amount, constructing an encrypted message based on the service identifier in the request for querying the amount, and sending the encrypted message to a service server of the service identifier to obtain a feedback message sent by the service server, wherein the feedback message includes the payment amount;

[0151] In response to the operation request for the payment amount, sending a payment request including a payment identifier and a payment amount to a bank server within an operation time limit and receiving a payment feedback message sent by the bank server within a payment time limit;

[0152] A settlement mode crediting request is constructed based on the payment feedback message, a reconciliation file is established according to the billing cycle in combination with the settlement crediting request, and the reconciliation file is sent to the business server to implement the crediting operation of the crediting request.

[0153] According to the technical solution of the embodiment of the present invention, a request for querying the amount is received and responded to, an encrypted message is constructed based on the business identifier in the request for querying the amount, and the encrypted message is sent to the business server of the business identifier to obtain a feedback message sent by the business server, wherein the feedback message includes the payment amount; in response to the operation request for the payment amount, a payment request including the payment identifier and the payment amount is sent to the bank server within the operation time limit and a payment feedback message sent by the bank server is received within the payment time limit; a settlement mode account entry request is constructed based on the payment feedback message, a reconciliation file is established according to the settlement cycle in combination with the settlement account entry request, and the reconciliation file is sent to the business server to implement the account entry operation of the account entry request. That is, both the request for querying the amount and the operation request for the payment amount can be processed, which can meet the user's operation needs and improve the efficiency of processing business data.

[0154] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

[0155] It should be noted that in the technical solution of the present invention, the collection, analysis, use, transmission, storage and other aspects of user personal information involved are in compliance with the provisions of relevant laws and regulations, are used for legal and reasonable purposes, are not shared, leaked or sold outside of these legal uses, and are subject to supervision and management by regulatory authorities. Necessary measures should be taken for user personal information to prevent illegal access to such personal information data, ensure that persons who have access to personal information data comply with the provisions of relevant laws and regulations, and ensure the security of user personal information. Once these user personal information data are no longer needed, the risks should be minimized by limiting or even prohibiting data collection and / or deleting data.

[0156] When applicable, including in certain relevant applications, protect user privacy by de-identifying data, such as by removing specific identifiers (e.g., date of birth, etc.) when applicable, controlling the amount or specificity of data stored (e.g., collecting location data at a city level rather than at a specific address level), controlling how data is stored, and / or other de-identification methods.

Claims

1. A method for processing business data, characterized in that: include: Receiving and responding to a request for querying the amount, constructing an encrypted message based on the service identifier in the request for querying the amount, and sending the encrypted message to a service server of the service identifier to obtain a feedback message sent by the service server, wherein the feedback message includes the payment amount; In response to the operation request for the payment amount, sending a payment request including a payment identifier and a payment amount to a bank server within an operation time limit and receiving a payment feedback message sent by the bank server within a payment time limit; A settlement mode crediting request is constructed based on the payment feedback message, a reconciliation file is established according to the billing cycle in combination with the settlement crediting request, and the reconciliation file is sent to the business server to implement the crediting operation of the crediting request.

2. The method for processing business data according to claim 1, characterized in that: The receiving and responding to the amount inquiry request, constructing an encrypted message based on the business identifier in the amount inquiry request, and sending the encrypted message to the business server of the business identifier to obtain a feedback message sent by the business server, including: Sending a public key encrypted service authentication message to the service server, and receiving a query device authentication key sent by the service server, wherein the authentication message includes a device identifier and an authentication key; Receive and respond to the amount inquiry request, construct an encrypted message based on the business identifier in the amount inquiry request and the inquiry device authentication key, and send the encrypted message to the business server of the business identifier to obtain a feedback message sent by the business server.

3. The method for processing business data according to claim 2, characterized in that: The step of sending the public key encrypted service authentication message to the service server and receiving the query device authentication key sent by the service server comprises: Sending a public key encrypted business authentication message to the business server, and receiving a query device authentication key sent by the business server, wherein the query device authentication key is updated based on the previous query device authentication key and the number of times the amount inquiry request is sent; The receiving and responding to the amount inquiry request, and constructing an encrypted message based on the service identifier in the amount inquiry request and the inquiry device authentication key, includes: Receive and respond to the amount inquiry request, and construct an encrypted message based on the business identifier in the amount inquiry request, the number of times the amount inquiry request is sent, and the inquiry device authentication key.

4. The method for processing business data according to claim 1, characterized in that: The step of responding to the operation request for the payment amount, sending a payment request including a payment identifier and a payment amount to a bank server within an operation time limit and receiving a payment feedback message sent by the bank server within a payment time limit comprises: Sending a public key-encrypted bank authentication message to the bank server, and receiving an operation device authentication key sent by the bank server, wherein the bank authentication message includes a device identifier and a bank authentication key; In response to the operation request for the payment amount, a payment request including a payment identifier, the operation device authentication key and the payment amount is sent to a bank server within an operation time limit, and a payment feedback message sent by the bank server is received within a payment time limit.

5. The method for processing business data according to claim 4, characterized in that: The step of sending the public key encrypted bank authentication message to the bank server and receiving the operation device authentication key sent by the bank server includes: Sending a public key-encrypted bank authentication message to the bank server, and receiving an operation device authentication key sent by the bank server, wherein the operation device authentication key is updated based on the previous operation device authentication key combined with the number of times the operation request is sent; The step of responding to the operation request for the payment amount and sending a payment request including a payment identifier, the operation device authentication key and the payment amount to a bank server within an operation time limit comprises: In response to the operation request for the payment amount, a payment request including the payment identifier, the operation device authentication key, the number of times the operation request is sent and the payment amount is sent to the bank server within the operation time limit.

6. The method for processing business data according to any one of claims 1 to 5, characterized in that: The step of constructing a settlement mode account entry request based on the payment feedback message, establishing a reconciliation file according to a settlement cycle in combination with the settlement account entry request, and sending the reconciliation file to the business server to implement the account entry operation of the account entry request includes: Building a settlement mode account entry request based on the payment amount in the payment feedback message and the cumulative number of times the amount inquiry request is sent, and building a reconciliation file according to the billing cycle in combination with the settlement account entry request; The reconciliation file is sent to the business server according to the billing cycle, so that the business server implements the account entry operation of the account entry request based on the payment amount and the accumulated number of requests for sending the amount inquiry.

7. The method for processing business data according to any one of claims 1 to 5, characterized in that: The step of constructing a settlement mode account entry request based on the payment feedback message, establishing a reconciliation file according to a settlement cycle in combination with the settlement account entry request, and sending the reconciliation file to the business server to implement the account entry operation of the account entry request includes: Building a settlement mode account entry request based on the payment amount in the payment feedback message, the cumulative number of times the amount inquiry request is sent, and the cumulative number of times the operation request is sent, and building a reconciliation file according to the billing cycle in combination with the settlement account entry request; The reconciliation file is sent to the business server according to the billing cycle, so that the business server implements the account entry operation of the account entry request based on the payment amount, the cumulative number of times the query amount request is sent, and the cumulative number of times the operation request is sent.

8. A device for processing business data, characterized in that: include: A business module, used to receive and respond to a request for querying the amount, construct an encrypted message based on a business identifier in the request for querying the amount, and send the encrypted message to a business server of the business identifier to obtain a feedback message sent by the business server, wherein the feedback message includes the payment amount; A bank module, configured to respond to the operation request for the payment amount, send a payment request including a payment identifier and the payment amount to a bank server within an operation time limit, and receive a payment feedback message sent by the bank server within a payment time limit; The account entry module is used to construct a settlement mode account entry request based on the payment feedback message, establish a reconciliation file according to the settlement cycle in combination with the settlement account entry request, and send the reconciliation file to the business server to implement the account entry operation of the account entry request.

9. An electronic device for processing business data, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7.

10. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

11. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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