Transaction processing method and device based on multi-end cooperation, equipment and storage medium

By driving the card reader kernel to the cloud and using task identifiers and key parameters to achieve encrypted transmission and isolated processing of card data, the problem of easy leakage of card data on commercial devices is solved, and transaction security and management efficiency are improved.

CN122264779APending Publication Date: 2026-06-23CHINA UNIONPAY
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
CHINA UNIONPAY
Filing Date
2026-02-25
Publication Date
2026-06-23

AI Technical Summary

Technical Problem

When reading cards on commercial devices such as mobile phones, card data is easily leaked, affecting transaction security. Furthermore, the lack of a structured and verifiable task collaboration mechanism leads to weak security, uncontrollable auditing, and difficulty in fault location during the end-to-cloud interaction process.

Method used

By using a multi-terminal collaborative transaction processing method, the card reader kernel is separated from the terminal side to the cloud. The task identifier and key parameters are used to realize the encrypted transmission and isolation processing of card data. The task identifier is used as an intermediate credential to replace the original sensitive data flow, thereby achieving unified management and monitoring.

Benefits of technology

It improves the security of transaction processing, avoids the plaintext processing of sensitive data on the terminal, enhances data isolation, and enables secure execution and unified management of the card reading process.

✦ Generated by Eureka AI based on patent content.

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Abstract

Embodiments of the present application provide a transaction processing method and device based on multi-end cooperation, equipment and storage medium, the method comprises: the user terminal responds to the user's transaction instruction, sends transaction request data packet to the cloud; the cloud generates task identification and key parameters, returns the task identification and key parameters to the user terminal; the task identification represents the link of transaction processing, and the key parameter represents the parameter for generating the key; the user terminal completes the task processing based on the preset task thread according to the received task identification and key parameters, generates task encryption information, and sends the task encryption information to the cloud; the cloud decrypts the task encryption information, and stores the decrypted information and the task identification; the user terminal sends the task identification to the transaction background server; the transaction background server obtains the information obtained by the task processing from the cloud according to the task identification, and completes the transaction according to the information obtained by the task processing.
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