Financial service processing method and device based on application program

Abstract

The invention discloses a financial service processing method and device based on an application program. The method comprises the following steps: receiving a transaction request of a target financial service initiated by a target object through an application program to obtain a target transaction request; converting the target handling request into a hypertext transfer protocol request through the application program; the hypertext transfer protocol request is sent to a target server of a target financial institution through the application program, and the target financial service is handled through the target server. According to the method and the device, the problem that the flexibility of financial service handling is relatively poor due to the fact that financial service handling is realized through an offline network point in the related technology is solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and more specifically, to a method and device for processing financial services based on an application. Background Art

[0002] With the popularization of mobile Internet and smart phones, users' demands for financial services are becoming more diversified and personalized. Although the traditional financial institution system provides convenience in some aspects, it still has deficiencies in terms of mobility and personalization. When users need to handle financial services, they often need to go to the offline outlets of financial institutions to handle them, which leads to poor flexibility in handling financial services.

[0003] Currently, no effective solution has been proposed to address the problem that the handling of financial services through offline outlets in related technologies leads to poor flexibility in the handling of financial services. Summary of the invention

[0004] The main purpose of this application is to provide a method and device for processing financial services based on an application program, so as to solve the problem in the related art that financial services are handled through offline outlets, resulting in poor flexibility in handling financial services.

[0005] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a method for processing financial services based on an application is provided. The method comprises: receiving a processing request for a target financial service initiated by a target object through an application to obtain a target processing request; converting the target processing request into a hypertext transfer protocol request through the application; sending the hypertext transfer protocol request to a target server of a target financial institution through the application, wherein the target financial service is processed through the target server.

[0006] Furthermore, before receiving a processing request for a target financial service initiated by a target object through an application, the method also includes: receiving identity information of the target object through the application, and generating an identity verification code based on the identity information; sending the identity verification code to the target server through the application, so as to authenticate the target object through the target server.

[0007] Furthermore, after the identity verification code is sent to the target server through the application, the method also includes: authenticating the target object based on the identity verification code through the target server to obtain a verification result; when the verification result indicates that the verification is passed, generating an identification ID and a session key corresponding to the target object through the target server; sending the identification ID and the session key to the application through the target server, wherein the identification ID and the session key are used for identity verification processing when handling the target financial business.

[0008] Furthermore, a processing request for a target financial business initiated by a target object is received through an application, and obtaining the target processing request includes: determining, through the application based on the operation instructions of the target object, the target financial business to be processed by the target object; and obtaining the target processing request based on parameter information corresponding to the target financial business, the identification ID and the session key.

[0009] Furthermore, after sending the hypertext transfer protocol request to the target server of the target financial institution through the application, the method also includes: detecting the legitimacy of the hypertext transfer protocol request through the target gateway to obtain a detection result; when the detection result indicates that the hypertext transfer protocol request is a legal request, performing a risk detection on the hypertext transfer protocol request through the target gateway to obtain a risk value; adding the risk value to the hypertext transfer protocol request to obtain a modified hypertext transfer protocol request; and sending the modified hypertext transfer protocol request to the target server through the target gateway.

[0010] Furthermore, performing risk detection on the hypertext transfer protocol request through the target gateway to obtain a risk value includes: obtaining the credit information of the target object and obtaining the parameter information of the application; performing feature extraction on the credit information, the parameter information and the hypertext transfer protocol request to obtain a feature vector; performing risk detection on the hypertext transfer protocol request based on the feature vector to obtain the risk value.

[0011] Furthermore, after sending the modified hypertext transfer protocol request to the target server through the target gateway, the method also includes: obtaining the risk value from the modified hypertext transfer protocol request through the target server; determining a processing strategy for the target financial business based on the risk value; handling the target financial business based on the processing strategy, and feeding back the handling result of the target financial business to the application.

[0012] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a device for processing financial services based on an application is provided. The device comprises: a receiving unit, used to receive a processing request for a target financial service initiated by a target object through an application, and obtain a target processing request; a conversion unit, used to convert the target processing request into a hypertext transfer protocol request through the application; a first sending unit, used to send the hypertext transfer protocol request to a target server of a target financial institution through the application, wherein the target financial service is processed through the target server.

[0013] Furthermore, the device also includes: a receiving unit, which is used to receive the identity information of the target object through the application before receiving the processing request for the target financial business initiated by the target object through the application, and generate an identity verification code based on the identity information; a first verification unit, which is used to send the identity verification code to the target server through the application, so as to authenticate the target object through the target server.

[0014] Furthermore, the device also includes: a second verification unit, used to authenticate the target object based on the identity verification code through the target server to obtain a verification result after the identity verification code is sent to the target server through the application; a generation unit, used to generate an identification ID and a session key corresponding to the target object through the target server when the verification result indicates that the verification is passed; a second sending unit, used to send the identification ID and the session key to the application through the target server, wherein the identification ID and the session key are used for identity verification processing when handling the target financial business.

[0015] Furthermore, the receiving unit includes: a first determination module, used to determine the target financial business to be processed by the target object based on the operation instructions of the target object through the application; a second determination module, used to obtain the target processing request based on the parameter information corresponding to the target financial business, the identification ID and the session key.

[0016] Furthermore, the device also includes: a first detection unit, which is used to detect the legitimacy of the hypertext transfer protocol request through the target gateway after sending the hypertext transfer protocol request to the target server of the target financial institution through the application, and obtain a detection result; a second detection unit, which is used to perform risk detection on the hypertext transfer protocol request through the target gateway when the detection result indicates that the hypertext transfer protocol request is a legal request, and obtain a risk value; a processing unit, which is used to add the risk value to the hypertext transfer protocol request to obtain a modified hypertext transfer protocol request; and a third sending unit, which is used to send the modified hypertext transfer protocol request to the target server through the target gateway.

[0017] Furthermore, the second detection unit includes: an acquisition module, used to obtain the credit information of the target object and the parameter information of the application; an extraction module, used to perform feature extraction on the credit information, the parameter information and the hypertext transfer protocol request to obtain a feature vector; and a retrieval module, used to perform risk detection on the hypertext transfer protocol request based on the feature vector to obtain the risk value.

[0018] Furthermore, the device also includes: an acquisition unit, used to obtain the risk value from the modified hypertext transfer protocol request through the target server after sending the modified hypertext transfer protocol request to the target server through the target gateway; a determination unit, used to determine a processing strategy for the target financial business based on the risk value; and a processing unit, used to process the target financial business based on the processing strategy, and feed back the processing result of the target financial business to the application.

[0019] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a computer-readable storage medium is provided, which stores a program, wherein when the program is running, the device where the storage medium is located is controlled to execute any one of the above-mentioned application-based financial business processing methods.

[0020] In order to achieve the above-mentioned purpose, according to another aspect of the present application, an electronic device is also provided, the electronic device includes one or more processors and a memory, and the memory is used to store the one or more processors to implement any one of the above-mentioned application-based financial business processing methods.

[0021] In the embodiment of the present application, the following steps are adopted: receiving a processing request for a target financial business initiated by a target object through an application to obtain a target processing request; converting the target processing request into a hypertext transfer protocol request through the application; sending a hypertext transfer protocol request to a target server of a target financial institution through the application, wherein the processing of the target financial business through the target server solves the technical problem of poor flexibility in the processing of financial business in the related technology that the processing of financial business is realized through offline outlets. In this scheme, the target object can directly initiate a processing request for the target financial business through the application. After receiving the processing request, the application converts the target processing request into a hypertext transfer protocol request and sends the hypertext transfer protocol request to the target server of the target financial institution, so as to process the target financial business through the target server, avoid processing related financial business through offline outlets, and combine the application with the target server of the target financial institution, so as to provide users with a more flexible and convenient financial service experience, thereby achieving the technical effect of improving the efficiency of processing financial business. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0023] Figure 1 A hardware structure block diagram of a computer terminal for implementing a method for processing financial services based on an application program is shown;

[0024] Figure 2 is a flowchart of a method for processing a financial service based on an application program provided in an embodiment of the present application;

[0025] Figure 3 This is a schematic diagram of a method for processing financial services provided in accordance with an embodiment of the present application. Figure 1 ;

[0026] Figure 4 This is a schematic diagram of a method for processing financial services provided in accordance with an embodiment of the present application. Figure 2 ;

[0027] Figure 5 is a schematic diagram of a processing device for an application-based financial service according to an embodiment of the present application;

[0028] Figure 6 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0029] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution 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. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0030] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0031] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0032] Example 1

[0033] According to an embodiment of the present application, a method embodiment for processing application-based financial business is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0034] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1The hardware structure block diagram of a computer terminal (or mobile device) for implementing a method for processing financial services based on an application program is shown. Figure 1 As shown, the computer terminal 10 (or mobile device) may include one or more (shown as 102a, 102b, ..., 102n in the figure) processors 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor MCU or a programmable logic device FPGA), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations shown.

[0035] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0036] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the processing method of the financial business based on the application program in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, the processing method of the financial business based on the application program is realized. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and a combination thereof.

[0037] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0038] The display may be, for example, a touch screen liquid crystal display (LCD) that enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0039] Under the above operating environment, this application provides Figure 2 The method for processing application-based financial business is shown. Figure 2 It is a flowchart of a method for processing application-based financial services according to the first embodiment of the present application.

[0040] Step S201: receiving a processing request for a target financial service initiated by a target object through an application program, and obtaining the target processing request.

[0041] Optionally, the application is connected to the target server of the target financial institution to ensure that the application can exchange data with the target server of the target financial institution. It should be noted that the above-mentioned application refers to an application that can be used without downloading and installing, which can also be called a mini program. In an optional embodiment, the front-end page development can be completed based on the WXML / WXSS / JavaScript framework of the mini program, and cloud functions can be written based on the cloud development capabilities of the mini program to implement parameter verification, identity recognition and other pre-processing.

[0042] For example, Figure 3 The framework diagram for implementing financial business processing shown in the figure is based on the WXML / WXSS / JavaScript framework of the applet to complete the front-end page development, and connect to the relevant processing requests of users (i.e. the above-mentioned target objects) through the front-end page. Based on the cloud development capabilities of the applet, cloud functions are written and connected to the target server of the target financial institution. The target server completes the distributed application deployment in the background based on technologies such as dubbo+zooKeeper, divides the application according to the business scenario, completes the logical processing, and connects to the data in the database. For example, settlement applications, financial management applications, and personal information.

[0043] Step S202: convert the target processing request into a hypertext transfer protocol request through the application.

[0044] Optionally, after the mini program receives a processing request for a target financial service initiated by a user, it will convert the target processing request into a hypertext transfer protocol request so as to call the backend interface of the target server of the target financial institution through an http request to complete the business processing.

[0045] Step S203, sending a hypertext transfer protocol request to a target server of a target financial institution through an application program, wherein the target financial business is processed through the target server.

[0046] Optionally, the application calls the backend interface of the target server of the target financial institution through an http request to send a hypertext transfer protocol request to the target server of the target financial institution. After the target server receives the above hypertext transfer protocol request, it handles the target financial business for the user based on the hypertext transfer protocol request.

[0047] To sum up, the target object can directly initiate a request for the target financial business through the application. After receiving the request, the application converts the target request into a hypertext transfer protocol request and sends the hypertext transfer protocol request to the target server of the target financial institution, so as to handle the target financial business through the target server, avoiding handling related financial business through offline outlets. Combining the application with the target server of the target financial institution can provide users with a more flexible and convenient financial service experience, thereby achieving the technical effect of improving the efficiency of handling financial business.

[0048] Optionally, in the application-based financial business processing method provided in an embodiment of the present application, before receiving a processing request for a target financial business initiated by a target object through an application, the method also includes: receiving identity information of the target object through the application, and generating an identity verification code based on the identity information; sending the identity verification code to the target server through the application to authenticate the target object through the target server.

[0049] In an optional embodiment, in order to improve the security of handling financial services, before receiving the handling request of the target financial service initiated by the target object through the application, the application-based financial service processing method provided in the embodiment of the present application also includes the following steps: receiving the identity information input by the user through the mini-program (i.e., the above-mentioned application). It should be noted that the user's identity information can be the user's account number and password, or the user's identification document information.

[0050] It should be noted that before using the mini program to handle financial transactions, you need to obtain the user's authorization so that you can collect relevant identity information later.

[0051] After obtaining the user's identity information through the mini program, in order to facilitate sending it to the target server, the mini program (i.e., the above-mentioned application) generates an authentication code based on the identity information, for example, converting the user's identity information into a corresponding QR code. Finally, the authentication code is sent to the target server through the application to authenticate the target object through the target server.

[0052] The user's identity information is received through the mini program and authenticated through the target server, which improves the security of financial transactions.

[0053] Optionally, in the application-based financial business processing method provided in an embodiment of the present application, after the identity authentication code is sent to the target server through the application, the method also includes: authenticating the target object based on the identity authentication code through the target server to obtain a verification result; when the verification result indicates that the verification is passed, generating an identification ID and a session key corresponding to the target object through the target server; sending the identification ID and the session key to the application through the target server, wherein the identification ID and the session key are used for identity authentication processing when handling the target financial business.

[0054] In an optional embodiment, after the application sends the identity authentication code to the target server, the application-based financial business processing method provided in the embodiment of the present application further includes the following steps: the target server authenticates the target object based on the identity authentication code. For example, the target server first converts the identity authentication code into the user's identity information, and then authenticates the user through the identity information recorded in the database corresponding to the identity information and the identity information corresponding to the identity authentication code to obtain the above-mentioned verification result.

[0055] When the verification result indicates that the identity authentication is successful, the target server generates an identification ID and a session key corresponding to the user, and sends the identification ID and the session key to the mini program so that the identity authentication process can be performed based on the identification ID and the session key when handling the target financial business.

[0056] In an optional embodiment, the user end can obtain the code corresponding to the identity information entered by the user (i.e., the above-mentioned authentication code) by calling the core interface of the mini program, and send it to the target server, and then call the relevant interface of the target server to obtain the user's unique identifier OpenId (i.e., the above-mentioned identification ID) and session key Session_key, which are used for mutual recognition of user identity between the front-end and back-end in subsequent business logic.

[0057] By generating the user's corresponding identification ID and session key, the need for identity authentication for each business transaction is avoided, thereby improving the efficiency of subsequent financial business processing.

[0058] Optionally, in the application-based financial business processing method provided in the embodiment of the present application, a processing request for a target financial business initiated by a target object is received through an application, and obtaining the target processing request includes: determining the target financial business to be processed by the target object based on the operation instructions of the target object through the application; and obtaining the target processing request based on parameter information, identification ID and session key corresponding to the target financial business.

[0059] In an optional embodiment, a processing request for a target financial service initiated by a target object is received through an application program, and obtaining the target processing request includes the following steps: a user calls the above-mentioned applet through a user terminal, and the applet displays various functional modules to the user, including but not limited to account query, transfer payment, loan application, etc., to ensure that the user can complete common financial business operations through the applet. The target financial service that the user needs to handle is determined by detecting the user's click operation on each functional module in the applet (i.e., the operation instruction of the above-mentioned target object), and finally the target processing request is obtained according to the parameter information corresponding to the target financial service, the identification ID and the session key.

[0060] By carrying the user's corresponding identification ID and session key in the target processing request, the need for identity authentication is avoided for each business processing, thereby improving the efficiency of subsequent financial business processing.

[0061] Optionally, in the application-based financial business processing method provided in an embodiment of the present application, after sending a hypertext transfer protocol request to a target server of a target financial institution through an application, the method further includes: detecting the legality of the hypertext transfer protocol request through a target gateway to obtain a detection result; when the detection result indicates that the hypertext transfer protocol request is a legal request, performing a risk detection on the hypertext transfer protocol request through the target gateway to obtain a risk value; adding the risk value to the hypertext transfer protocol request to obtain a modified hypertext transfer protocol request; and sending the modified hypertext transfer protocol request to the target server through the target gateway.

[0062] In an optional embodiment, after sending a hypertext transfer protocol request to the target server of the target financial institution through an application, in order to further improve the security of the target server, the application-based financial business processing method provided in the embodiment of the present application also includes the following steps: when the mini program sends a hypertext transfer protocol request (http request) to the target server of the target financial institution, the http request will first reach the target gateway, and the legitimacy of the http request will be detected by the target gateway to obtain a detection result.

[0063] It should be noted that the target gateway can identify various crawler features, simulator attacks, DDos attacks and other abnormal requests, and intercept them in a timely manner. After processing and intercepting, the target gateway will also filter out illegal requests, unauthorized requests, high-frequency requests, etc. based on the user's request frequency, permission verification and other risk control capabilities to further ensure the legitimacy of the request.

[0064] After obtaining the above-mentioned detection results, if the detection results indicate that the Hypertext Transfer Protocol request is a legitimate request, a risk detection is performed on the Hypertext Transfer Protocol request through the target gateway to obtain a risk value. For example, a risk detection is performed on the Hypertext Transfer Protocol request based on multi-dimensional data such as request characteristics, device information, and account numbers.

[0065] Finally, the risk value is added to the hypertext transfer protocol request to obtain a modified hypertext transfer protocol request, and the modified hypertext transfer protocol request is sent to the target server through the target gateway.

[0066] In an optional embodiment, the target gateway may add an x-wx-risk-rank parameter (ie, the risk value mentioned above) to the header of the request, and the parameter value range is 0 to 4.

[0067] By checking the legitimacy of the target gateway and the risk of Hypertext Transfer Protocol requests, damage to the server caused by external requests is avoided, thus improving the security of the target server.

[0068] Optionally, in the application-based financial business processing method provided in the embodiment of the present application, risk detection is performed on the hypertext transfer protocol request through the target gateway to obtain the risk value, including: obtaining the credit information of the target object and obtaining the parameter information of the application; performing feature extraction on the credit information, parameter information and hypertext transfer protocol request to obtain a feature vector; and performing risk detection on the hypertext transfer protocol request based on the feature vector to obtain a risk value.

[0069] In an optional embodiment, in order to improve the accuracy of risk detection, risk detection of a hypertext transfer protocol request through a target gateway includes the following steps: an intelligent analysis model can be formed through request features, device information, account number and other multi-dimensional data, and the intelligent analysis model is deployed in the target gateway, and the credit information of the target object and the parameter information of the mini-program (i.e., the above-mentioned device information) are obtained through the intelligent analysis model. The intelligent analysis model extracts features of the credit information, parameter information and hypertext transfer protocol request to obtain a feature vector, and finally, the risk detection of the hypertext transfer protocol request is performed according to the feature vector to obtain a risk value. It should be noted that the risk probability corresponding to the hypertext transfer protocol request can be output through the intelligent analysis model, and then the risk probability can be directly determined as a risk value, and the risk probability can also be converted into a corresponding numerical value, for example, the value range is 0 to 4, and the larger the number, the higher the risk.

[0070] The security of financial business operations is improved by risk detection of Hypertext Transfer Protocol requests.

[0071] Optionally, in the application-based financial business processing method provided in an embodiment of the present application, after sending a modified hypertext transfer protocol request to a target server through a target gateway, the method further includes: obtaining a risk value from the modified hypertext transfer protocol request through the target server; determining a processing strategy for the target financial business based on the risk value; processing the target financial business based on the processing strategy, and feeding back the processing result of the target financial business to the application.

[0072] In an optional embodiment, after sending the modified hypertext transfer protocol request to the target server through the target gateway, it also includes: obtaining the risk value from the modified hypertext transfer protocol request through the target server, determining the processing strategy for the target financial business according to the risk value, and finally handling the target financial business according to the processing strategy, and feeding back the handling result of the target financial business to the application. For example, if the risk value is lower than the preset threshold, the user will handle the relevant financial business, and if the risk value is higher than the preset threshold, a prompt message will be triggered, and the user needs to go to an offline branch to handle it to avoid unsafe problems.

[0073] It should be noted that when the risk value is obtained from the modified hypertext transfer protocol request through the target server, the corresponding identification ID and session key are also obtained to verify the identity of the user.

[0074] By determining the handling strategy for the target financial business through the risk value, the security of users conducting financial business through the mini program is further improved.

[0075] In an optional embodiment, users can also obtain services and consultations from financial institutions through the mini program, such as loan applications, purchase of financial products, etc. Before developing the customer service function, you need to log in to the mini program management platform, activate the mini program customer service function, and add a customer service account to the financial institution. Then, in the front-end page code, use the customer service message module (set the open-type of the button component to contact), and when the user clicks it, they can communicate with the back-end customer service.

[0076] In an optional embodiment, the mini program can also provide personalized banking product recommendations based on the user's transaction history and preferences to enhance the user experience.

[0077] In an optional embodiment, the Figure 4 The schematic diagram shown realizes the handling of financial services: the financial institution system is connected to the mini program to ensure that the mini program can exchange data with the financial institution system. Before users perform financial business operations in the mini program, they need to perform identity authentication and authorization to ensure the security and legality of the operation. The backend interface of the financial institution system is called through http request to complete the business processing.

[0078] The application-based financial business processing method provided in the embodiment of the present application receives the processing request of the target financial business initiated by the target object through the application to obtain the target processing request; converts the target processing request into a hypertext transfer protocol request through the application; and sends the hypertext transfer protocol request to the target server of the target financial institution through the application, wherein the target financial business is processed through the target server, which solves the technical problem of poor flexibility in the processing of financial business in the related technology that the processing of financial business is realized through offline outlets. In this scheme, the target object can directly initiate the processing request for the target financial business through the application. After receiving the processing request, the application converts the target processing request into a hypertext transfer protocol request and sends the hypertext transfer protocol request to the target server of the target financial institution, so as to process the target financial business through the target server, avoid processing related financial business through offline outlets, and combine the application with the target server of the target financial institution, so as to provide users with a more flexible and convenient financial service experience, thereby achieving the technical effect of improving the efficiency of processing financial business.

[0079] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0080] Example 2

[0081] The embodiment of the present application also provides a processing device for an application-based financial service. It should be noted that the processing device for an application-based financial service in the embodiment of the present application can be used to execute the processing method for an application-based financial service provided in the embodiment of the present application. The following introduces the processing device for an application-based financial service provided in the embodiment of the present application.

[0082] According to an embodiment of the present application, a device for implementing the above-mentioned application-based financial business processing method is also provided, such as Figure 5 As shown, the device includes: a receiving unit 501, a converting unit 502 and a first sending unit 503.

[0083] The receiving unit 501 is used to receive a processing request for a target financial service initiated by a target object through an application program, and obtain the target processing request;

[0084] A conversion unit 502, configured to convert the target handling request into a hypertext transfer protocol request through an application program;

[0085] The first sending unit 503 is used to send a hypertext transfer protocol request to a target server of a target financial institution through an application program, wherein the target financial service is processed through the target server.

[0086] The processing device of financial services based on application provided in the embodiment of the present application receives the processing request of the target financial service initiated by the target object through the application by the receiving unit 501, and obtains the target processing request; the conversion unit 502 converts the target processing request into a hypertext transfer protocol request through the application; the first sending unit 503 sends the hypertext transfer protocol request to the target server of the target financial institution through the application, wherein the processing of the target financial service through the target server solves the technical problem of poor flexibility in the processing of financial services in the related technology that the processing of financial services is realized through offline outlets. In this scheme, the target object can directly initiate the processing request for the target financial service through the application, and after receiving the processing request, the application converts the target processing request into a hypertext transfer protocol request, and sends the hypertext transfer protocol request to the target server of the target financial institution, so as to process the target financial service through the target server, avoid processing related financial services through offline outlets, and combine the application with the target server of the target financial institution, so as to provide users with a more flexible and convenient financial service experience, thereby achieving the technical effect of improving the efficiency of processing financial services.

[0087] Optionally, in the application-based financial business processing device provided in the embodiment of the present application, the device also includes: a receiving unit, which is used to receive the identity information of the target object through the application before receiving the processing request for the target financial business initiated by the target object through the application, and generate an identity verification code based on the identity information; a first verification unit, which is used to send the identity verification code to the target server through the application, so as to authenticate the target object through the target server.

[0088] Optionally, in the application-based financial business processing device provided in the embodiment of the present application, the device also includes: a second verification unit, used to authenticate the target object based on the identity verification code through the target server after sending the identity verification code to the target server through the application, and obtain a verification result; a generation unit, used to generate an identification ID and a session key corresponding to the target object through the target server when the verification result indicates that the verification is passed; a second sending unit, used to send the identification ID and session key to the application through the target server, wherein the identification ID and session key are used for identity verification processing when handling the target financial business.

[0089] Optionally, in the application-based financial business processing device provided in an embodiment of the present application, the receiving unit includes: a first determination module, used to determine the target financial business to be processed by the target object based on the operation instructions of the target object through the application; a second determination module, used to obtain the target processing request based on the parameter information corresponding to the target financial business, the identification ID and the session key.

[0090] Optionally, in the application-based financial business processing device provided in the embodiment of the present application, the device also includes: a first detection unit, which is used to detect the legality of the hypertext transfer protocol request through the target gateway after sending the hypertext transfer protocol request to the target server of the target financial institution through the application, and obtain a detection result; a second detection unit, which is used to perform risk detection on the hypertext transfer protocol request through the target gateway when the detection result indicates that the hypertext transfer protocol request is a legal request, and obtain a risk value; a processing unit, which is used to add the risk value to the hypertext transfer protocol request to obtain a modified hypertext transfer protocol request; and a third sending unit, which is used to send the modified hypertext transfer protocol request to the target server through the target gateway.

[0091] Optionally, in the application-based financial business processing device provided in the embodiment of the present application, the second detection unit includes: an acquisition module, used to obtain the credit information of the target object and obtain parameter information of the application; an extraction module, used to extract features of the credit information, parameter information and hypertext transfer protocol request to obtain a feature vector; a retrieval module, used to perform risk detection on the hypertext transfer protocol request based on the feature vector to obtain a risk value.

[0092] Optionally, in the application-based financial business processing device provided in the embodiment of the present application, the device also includes: an acquisition unit, which is used to obtain a risk value from a modified hypertext transfer protocol request through the target server after sending the modified hypertext transfer protocol request to the target server through the target gateway; a determination unit, which is used to determine a processing strategy for the target financial business based on the risk value; and a handling unit, which is used to handle the target financial business based on the processing strategy, and feed back the handling result of the target financial business to the application.

[0093] In summary, the target object can directly initiate a request for the target financial business through the application. After receiving the request, the application converts the target request into a hypertext transfer protocol request and sends the hypertext transfer protocol request to the target server of the target financial institution, so as to handle the target financial business through the target server, avoiding handling related financial business through offline outlets. Combining the application with the target server of the target financial institution can provide users with a more flexible and convenient financial service experience, thereby achieving the technical effect of improving the efficiency of handling financial business.

[0094] It should be noted that the above-mentioned receiving unit 501, conversion unit 502 and first sending unit 503 correspond to steps S201 to S203 in the first embodiment, and the three units and the corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the first embodiment. It should be noted that the above-mentioned modules or units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above-mentioned modules can also be part of the device and can be run in the computer terminal 10 provided in the first embodiment.

[0095] Example 3

[0096] An embodiment of the present application may provide an electronic device, Figure 6 is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 6 As shown, the electronic device may include: one or more ( Figure 6(only one is shown) processor 602, memory 604, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0097] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0098] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: receive a processing request for a target financial business initiated by a target object through the application to obtain a target processing request; convert the target processing request into a hypertext transfer protocol request through the application; send a hypertext transfer protocol request to a target server of a target financial institution through the application, wherein the target financial business is processed through the target server.

[0099] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: before receiving a request for handling a target financial business initiated by the target object through the application, the method also includes: receiving the identity information of the target object through the application, and generating an identity verification code based on the identity information; sending the identity verification code to the target server through the application to authenticate the target object through the target server.

[0100] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: after the identity authentication code is sent to the target server through the application, the method also includes: authenticating the target object based on the identity authentication code through the target server to obtain a verification result; when the verification result indicates that the verification is passed, generating an identification ID and a session key corresponding to the target object through the target server; sending the identification ID and the session key to the application through the target server, wherein the identification ID and the session key are used for identity authentication processing when handling the target financial business.

[0101] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: receiving a processing request for a target financial business initiated by a target object through an application, and obtaining the target processing request includes: determining the target financial business to be processed by the target object based on the operation instructions of the target object through the application; and obtaining the target processing request based on the parameter information, identification ID and session key corresponding to the target financial business.

[0102] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: after sending a hypertext transfer protocol request to the target server of the target financial institution through the application, the method also includes: detecting the legitimacy of the hypertext transfer protocol request through the target gateway to obtain a detection result; when the detection result indicates that the hypertext transfer protocol request is a legal request, performing a risk detection on the hypertext transfer protocol request through the target gateway to obtain a risk value; adding the risk value to the hypertext transfer protocol request to obtain a modified hypertext transfer protocol request; and sending the modified hypertext transfer protocol request to the target server through the target gateway.

[0103] The processor can call the information and application stored in the memory through the transmission device to execute the following steps: perform risk detection on the hypertext transfer protocol request through the target gateway to obtain the risk value including: obtaining the credit information of the target object and obtaining the parameter information of the application; perform feature extraction on the credit information, parameter information and hypertext transfer protocol request to obtain a feature vector; perform risk detection on the hypertext transfer protocol request based on the feature vector to obtain a risk value.

[0104] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: after sending the modified hypertext transfer protocol request to the target server through the target gateway, the method also includes: obtaining a risk value from the modified hypertext transfer protocol request through the target server; determining a processing strategy for the target financial business based on the risk value; handling the target financial business based on the processing strategy, and feeding back the processing results of the target financial business to the application.

[0105] It can be understood by those skilled in the art that Figure 6 The structure shown is for illustration only, and the electronic device may also be a smart phone (such as an Android phone, an iOS phone, etc.), a tablet computer, a PDA, a mobile Internet device (Mobile Internet Devices, MID), a PAD, and other terminal devices. Figure 6 The structure of the electronic device is not limited. Figure 6 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 6 Different configurations shown.

[0106] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0107] Example 4

[0108] The embodiment of the present application also provides a computer-readable storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the application-based financial service processing method provided in the first embodiment.

[0109] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0110] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the program steps of the processing method of financial business based on the application program.

[0111] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0112] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0113] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0114] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0115] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0116] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0117] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for processing financial services based on an application program, characterized in that: include: Receive, through the application, a processing request for a target financial business initiated by a target object, and obtain the target processing request; Converting the target handling request into a Hypertext Transfer Protocol request through the application; The hypertext transfer protocol request is sent to a target server of a target financial institution through the application, wherein the target financial business is processed through the target server.

2. The method according to claim 1, characterized in that Before receiving, through the application, a processing request for a target financial service initiated by a target object, the method further includes: Receiving identity information of the target object through the application, and generating an identity verification code based on the identity information; The authentication code is sent to the target server through the application program, so as to authenticate the target object through the target server.

3. The method according to claim 2, characterized in that After sending the identity verification code to the target server through the application, the method further includes: Authentication of the target object by the target server based on the identity authentication code to obtain an authentication result; If the verification result indicates that the verification is passed, generating an identification ID and a session key corresponding to the target object through the target server; The identification ID and the session key are sent to the application through the target server, wherein the identification ID and the session key are used for identity authentication processing when handling the target financial business.

4. The method according to claim 3, characterized in that The target financial business processing request initiated by the target object is received through the application, and the target processing request includes: Determining, by the application program based on the operation instruction of the target object, a target financial business to be handled by the target object; Based on the parameter information corresponding to the target financial service, the identification ID and the session key, the target processing request is obtained.

5. The method according to claim 1, characterized in that After sending the hypertext transfer protocol request to the target server of the target financial institution through the application, the method further includes: Testing the legitimacy of the hypertext transfer protocol request through the target gateway to obtain a test result; In a case where the detection result indicates that the hypertext transfer protocol request is a legitimate request, performing risk detection on the hypertext transfer protocol request through the target gateway to obtain a risk value; adding the risk value to the hypertext transfer protocol request to obtain a modified hypertext transfer protocol request; The modified Hypertext Transfer Protocol request is sent to the target server through the target gateway.

6. The method according to claim 5, characterized in that Performing risk detection on the hypertext transfer protocol request by the target gateway to obtain a risk value includes: Acquiring credit information of the target object and acquiring parameter information of the application; Extracting features from the credit information, the parameter information and the hypertext transfer protocol request to obtain a feature vector; Perform risk detection on the hypertext transfer protocol request according to the feature vector to obtain the risk value.

7. The method according to claim 5, characterized in that After sending the modified hypertext transfer protocol request to the target server through the target gateway, the method further includes: obtaining, by the target server, the risk value from the modified hypertext transfer protocol request; Determining a processing strategy for the target financial business according to the risk value; The target financial business is processed according to the processing strategy, and the processing result of the target financial business is fed back to the application.

8. A device for processing financial services based on an application program, characterized in that: include: A receiving unit, configured to receive a processing request for a target financial service initiated by a target object through an application program, and obtain the target processing request; A conversion unit, configured to convert the target handling request into a hypertext transfer protocol request through the application program; The first sending unit is used to send the hypertext transfer protocol request to the target server of the target financial institution through the application program, wherein the target financial business is processed through the target server.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is run, the device where the computer-readable storage medium is located is controlled to execute the application-based financial business processing method described in any one of claims 1 to 7.

10. An electronic device, characterized in that: include: A memory storing an executable program; A processor is used to run the program, wherein the program, when running, executes the method for processing financial services based on an application program as described in any one of claims 1 to 7.

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