CN112950355A - Transaction data processing method and device - Google Patents
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Abstract
The invention provides a transaction data processing method and a device, wherein the method comprises the following steps: when a transaction request sent by a bank server is received, acquiring a first bank identity and transaction information contained in the transaction request; determining a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity; judging whether a first platform identity mark corresponding to the user to be traded exists or not; the first platform identity mark is used for representing the identity of the user to be traded on a target trading platform; if the user identity identification does not exist, generating a first platform identity identification of the user to be traded; generating a transaction notification based on the first platform identity and the transaction message; and sending the transaction notification to the target transaction platform, so that the target transaction platform executes the transaction operation corresponding to the transaction notification. By applying the method provided by the invention, the privacy information leakage risk of the user can be reduced.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a transaction data processing method and device.
Background
In recent years, with the development of internet technology, network transactions are more and more popular with users, the users usually carry out network transactions through a network transaction platform, and the users can purchase related products on the network transaction platform, so that great convenience is provided for the users.
However, in the existing network transaction scenario, when a user performs a transaction through a network transaction platform, a fast payment mode is usually used for performing a product transaction, and under the condition that the transaction is performed in the fast payment mode, the transaction platform may acquire privacy information of the user, such as a bank card number, a mobile phone number, and the like, so that the privacy information of the user has a leakage risk.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a transaction data processing method, which can reduce the privacy information leakage risk of a user.
The invention also provides a transaction data processing device which is used for ensuring the realization and the application of the method in practice.
A transaction data processing method, comprising:
when a transaction request sent by a bank server is received, acquiring a first bank identity and transaction information contained in the transaction request;
determining a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity;
judging whether a first platform identity mark corresponding to the user to be traded exists or not; the first platform identity mark is used for representing the identity of the user to be traded on a target trading platform;
if the user identity identification does not exist, generating a first platform identity identification of the user to be traded;
generating a transaction notification based on the first platform identity and the transaction message;
and sending the transaction notification to the target transaction platform, so that the target transaction platform executes the transaction operation corresponding to the transaction notification.
Optionally, before receiving the transaction request sent by the bank service end, the method further includes:
when a first bank identity creating request which is sent by the bank server and corresponds to the user to be transacted is received, generating a first bank identity corresponding to the user to be transacted based on the first bank identity creating request;
and sending the first bank identity to the bank server.
Optionally, the determining the target transaction platform corresponding to the transaction request includes:
acquiring a platform identifier contained in the transaction request;
determining a pre-established trading platform set, wherein the trading platform set comprises at least one trading platform;
and determining the trading platform matched with the platform identification in the trading platform set as a target trading platform corresponding to the trading request.
The above method, optionally, further includes:
when a second transaction request sent by a transaction platform to be deducted is received, a pre-generated second platform identity mark and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any one transaction platform in the transaction platform set;
determining a target bank server corresponding to the second transaction request and a user to be deducted corresponding to the second platform identity;
judging whether a second bank identity corresponding to the user to be deducted exists or not; the second bank identity is used for representing the identity of the user at the target bank server;
if the deduction request does not exist, generating a second bank identity of the user to be deducted, and generating a deduction request based on the second bank identity and the deduction information;
and sending the deduction request to the target bank server, so that the target bank server executes deduction operation corresponding to the deduction request.
The method described above, optionally, the process of generating the second platform identity identifier includes:
when a second platform identity identification creating request sent by the transaction platform to be deducted is received, acquiring user information and a bank card identification contained in the creating request, wherein the bank card identification is a part of a bank card number of a bank card to be deducted;
and generating the second platform identity identification based on the user information and the bank card identification.
A transaction data processing apparatus comprising:
the system comprises a first receiving unit, a second receiving unit and a third receiving unit, wherein the first receiving unit is used for acquiring a first bank identity and transaction information contained in a transaction request when the transaction request sent by a bank server is received;
the determining unit is used for determining a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity;
the first judging unit is used for judging whether a first platform identity mark corresponding to the user to be traded exists or not; the first platform identity mark is used for representing the identity of the user to be traded on a target trading platform;
the first generation unit is used for generating a first platform identity of the user to be traded if the first platform identity does not exist;
a second generating unit, configured to generate a transaction notification based on the first platform identity and the transaction message;
and the sending unit is used for sending the transaction notification to the target transaction platform so that the target transaction platform executes the transaction operation corresponding to the transaction notification.
The above apparatus, optionally, further includes a first identifier generating unit, where the first identifier generating unit is configured to:
when a first bank identity creating request which is sent by the bank server and corresponds to the user to be transacted is received, generating a first bank identity corresponding to the user to be transacted based on the first bank identity creating request;
and sending the first bank identity to the bank server.
The above apparatus, optionally, the determining unit includes:
the acquisition subunit acquires a platform identifier contained in the transaction request;
determining a pre-established trading platform set, wherein the trading platform set comprises at least one trading platform;
and determining the trading platform matched with the platform identification in the trading platform set as a target trading platform corresponding to the trading request.
The above apparatus, optionally, further includes a deduction processing unit, where the deduction processing unit is configured to:
when a second transaction request sent by a transaction platform to be deducted is received, a pre-generated second platform identity mark and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any one transaction platform in the transaction platform set;
determining a target bank server corresponding to the second transaction request and a user to be deducted corresponding to the second platform identity;
judging whether a second bank identity corresponding to the user to be deducted exists or not; the second bank identity is used for representing the identity of the user at the target bank server;
if the deduction request does not exist, generating a second bank identity of the user to be deducted, and generating a deduction request based on the second bank identity and the deduction information;
and sending the deduction request to the target bank server, so that the target bank server executes deduction operation corresponding to the deduction request.
The above apparatus, optionally, further includes a second identifier generating unit, where the second identifier generating unit is configured to:
when a second platform identity identification creating request sent by the transaction platform to be deducted is received, acquiring user information and a bank card identification contained in the creating request, wherein the bank card identification is a part of a bank card number of a bank card to be deducted;
and generating the second platform identity identification based on the user information and the bank card identification.
Compared with the prior art, the invention has the following advantages:
the invention provides a transaction data processing method and a device, wherein the method comprises the following steps: when a transaction request sent by a bank server is received, acquiring a first bank identity and transaction information contained in the transaction request; determining a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity; judging whether a first platform identity mark corresponding to the user to be traded exists or not; the first platform identity mark is used for representing the identity of the user to be traded on a target trading platform; if the user identity identification does not exist, generating a first platform identity identification of the user to be traded; generating a transaction notification based on the first platform identity and the transaction message; and sending the transaction notification to the target transaction platform, so that the target transaction platform executes the transaction operation corresponding to the transaction notification. By applying the method provided by the invention, the transaction notice is generated based on the first platform identity identification and the transaction message, so that the first platform identity identification can be used for replacing the privacy information of the user, and the privacy information of the user can be effectively prevented from being leaked.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method of transaction data processing according to the present invention;
FIG. 2 is a flow chart illustrating a process for determining a target trading platform corresponding to a trading request according to the present invention;
FIG. 3 is a flow chart of a transaction data processing process provided by the present invention;
FIG. 4 is an exemplary diagram of a transaction scenario provided by the present invention;
FIG. 5 is a diagram illustrating another exemplary transaction scenario provided by the present invention;
fig. 6 is a schematic structural diagram of a transaction data processing apparatus according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The embodiment of the invention provides a transaction data processing method, which can be applied to an intermediary platform, wherein the intermediary platform can be a server, a server cluster, a cloud computing center or a computer terminal of an intermediary mechanism, and the like, and can interact with a bank server and each transaction platform, and a method flow chart of the transaction data processing method is shown in fig. 1 and specifically comprises the following steps:
s101: when a transaction request sent by a bank server is received, a first bank identity and transaction information contained in the transaction request are obtained.
In the method provided by the embodiment of the present invention, the transaction request includes platform selection information of the user, the first bank identity, and the transaction information, and the platform selection information may include a platform identifier.
Specifically, the first bank identity may be generated in advance by the intermediary platform, and the first bank identity is used to represent the identity of the user to be transacted on the intermediary platform, and may specifically replace one or more information items, such as a bank card number and an identification number, of the user to be transacted by the first bank identity.
The transaction information may include information such as a transaction type and a transaction amount of the user.
Optionally, the transaction request may be sent after a bank service end performs risk check on a transfer request sent by a user, where the transfer request includes transfer amount, a payment bank card, and platform selection information.
S102: and determining a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity.
In the method provided by the embodiment of the invention, the target trading platform corresponding to the trading request can be determined through the platform selection information in the trading request.
The user to be traded corresponding to the first bank identity is determined through a preset relation table, and the relation table records the corresponding relation between different first bank identities and different users.
S103: judging whether a first platform identity mark corresponding to the user to be traded exists or not, and if not, executing S104; if yes, executing S105; the first platform identity mark is used for representing the identity of the user to be traded on the target trading platform.
In the method provided by the embodiment of the present invention, an identity storage table of the target transaction platform may be obtained, where the identity storage table of the target transaction platform is used to record a correspondence between each generated first platform identity and each user, and it may be determined whether the first platform identity corresponding to the user to be transacted exists through the identity storage table.
S104: and generating a first platform identity mark of the user to be traded.
In the method provided by the embodiment of the invention, in a feasible manner, the first platform identity of the user to be traded can be generated through a preset identity generation manner, in another feasible manner, the platform identities in the idle states can be determined, the identity in the target platform is selected from the platform identities in the idle states, and the identity in the target platform is bound with the user to be traded, so that the first platform identity of the user to be traded is obtained.
S105: generating a transaction notification based on the first platform identity and the transaction message.
In the method provided by the embodiment of the present invention, the transaction notification may be used to instruct the target transaction platform to perform a corresponding transaction operation.
S106: and sending the transaction notification to the target transaction platform, so that the target transaction platform executes the transaction operation corresponding to the transaction notification.
In the method provided by the embodiment of the invention, the target transaction platform can execute the transaction operations of recharging or providing commodities and the like for the account corresponding to the first platform identity identification.
Optionally, after sending the transaction notification to the target transaction platform, the method further includes: and when receiving a transaction completion notice of the target transaction platform, executing a fund clearing operation, wherein the resource clearing operation refers to deducting the available fund of the bank, and settling the corresponding fund to the third party platform.
The embodiment of the invention provides a transaction data processing method, which comprises the following steps: when a transaction request sent by a bank server is received, acquiring a first bank identity and transaction information contained in the transaction request; determining a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity; judging whether a first platform identity mark corresponding to the user to be traded exists or not; the first platform identity mark is used for representing the identity of the user to be traded on a target trading platform; if the user identity identification does not exist, generating a first platform identity identification of the user to be traded; generating a transaction notification based on the first platform identity and the transaction message; and sending the transaction notification to the target transaction platform, so that the target transaction platform executes the transaction operation corresponding to the transaction notification. By applying the method provided by the invention, the transaction notice is generated based on the first platform identity identification and the transaction message, so that the privacy information of the user can be replaced by the first platform identity identification, the privacy information of the user can be effectively prevented from being leaked, the user does not need to input card numbers, short message verification codes and other complicated operations in the transaction process, and the interactive communication times between a bank and a third party transaction platform can be reduced.
In the method provided by the embodiment of the present invention, based on the implementation process, specifically, before receiving the transaction request sent by the bank server, the method further includes:
when a first bank identity creating request which is sent by the bank server and corresponds to the user to be transacted is received, generating a first bank identity corresponding to the user to be transacted based on the first bank identity creating request;
and sending the first bank identity to the bank server.
In the method provided by the embodiment of the invention, after the bank server passes the risk audit of the transfer request of the user to be transacted, whether the user to be transacted creates the first bank identity mark at the intermediary organization or not is determined, and if the user to be transacted does not create the first bank identity mark, the bank server sends the first bank identity mark creation request of the user to be transacted to the intermediary platform.
Optionally, the identity information of the user to be transacted may be obtained in the first bank identity creating request, where the identity information may include one or more of a name of the user, identity card information, and a partial bank card number of the target bank card, and the partial bank card number may be the last four digits of the card of the target bank card, and the target bank card may be a bank card to be transferred selected by the user.
By applying the method provided by the embodiment of the invention, the privacy disclosure risk of the user can be reduced.
In the method provided in the embodiment of the present invention, based on the implementation process, specifically, the determining a target transaction platform corresponding to the transaction request includes, as shown in fig. 2:
s201: and acquiring the platform identification contained in the transaction request.
In the method provided by the embodiment of the invention, the transaction request can be analyzed to obtain the platform identifier contained in the transaction request.
S202: a pre-established set of trading platforms is determined, the set of trading platforms comprising at least one trading platform.
In the method provided by the embodiment of the present invention, each trading platform in the trading platform set may be a platform for establishing a trading contract with the intermediary.
S203: and determining the trading platform matched with the platform identification in the trading platform set as a target trading platform corresponding to the trading request.
In the method provided by the embodiment of the invention, the platform identification can be matched with each trading platform in the trading platform set to determine the trading platform matched with the platform identification, and the trading platform matched with the platform identification in the trading platform set is determined as the target trading platform corresponding to the trading request.
In the method provided in the embodiment of the present invention, based on the implementation process, specifically, a feasible transaction data processing process is further included, and the process is specifically shown in fig. 3, and includes:
s301: when a second transaction request sent by a transaction platform to be deducted is received, a pre-generated second platform identity mark and deduction information contained in the second transaction request are obtained.
The transaction platform to be deducted is any one transaction platform in the transaction platform set.
Optionally, when the intermediary platform receives a second transaction request sent by the transaction platform to be deducted, the second platform identity identifier and the deduction information included in the second transaction request are obtained.
S302: and determining a target bank server corresponding to the second transaction request and a to-be-deducted user corresponding to the second platform identity.
And determining the user to be traded corresponding to the second platform identity through a preset relation table, wherein the relation table records the corresponding relation between different second platform identity identities and different users.
S303: judging whether a second bank identity corresponding to the user to be deducted exists or not; if yes, S305 is executed, and if not, S306 is executed.
And the second bank identity is used for representing the identity of the user at the target bank server.
S304: and generating a second bank identity of the user to be deducted.
In the method provided by the embodiment of the present invention, in a feasible manner, the second bank identity of the user to be transacted may be generated in a preset identity generation manner, and in another feasible manner, the bank identities in the idle states may be determined, the target bank identity is selected from the bank identities in the idle states, and the target bank identity is bound with the user to be transacted, so as to obtain the second bank identity of the user to be transacted.
S305: and generating a deduction request based on the second bank identity and the deduction information.
In the method provided by the embodiment of the invention, the deduction request can be used for indicating the target bank server to execute corresponding transaction operation.
S306: and sending the deduction request to the target bank server, so that the target bank server executes deduction operation corresponding to the deduction request.
In the method provided by the embodiment of the invention, the to-be-deducted fee transaction platform determines whether a second platform identity identifier corresponding to the to-be-deducted fee user exists or not under the condition that a payment request initiated by the to-be-deducted fee user is received, and if the second platform identity identifier corresponding to the to-be-deducted fee user exists, the second transaction request is sent to the intermediary platform.
Optionally, after sending the deduction request to the target bank server, the method further includes: and receiving a transaction result fed back by the bank server.
In the method provided in the embodiment of the present invention, based on the implementation process, specifically, the process of generating the second platform identity identifier includes:
when a second platform identity identification creating request sent by the transaction platform to be deducted is received, acquiring user information and a bank card identification contained in the creating request, wherein the bank card identification is a part of a bank card number of a bank card to be deducted;
and generating the second platform identity identification based on the user information and the bank card identification.
The bank card to be deducted can be a bank card selected by a user, and the part of the bank card numbers can be the last four bank card numbers of the bank card to be deducted.
The method provided by the embodiment of the invention can be applied to various transaction scenes, wherein a bank server belongs to a bank, an intermediary platform belongs to an intermediary organization, and a target transaction platform belongs to a third platform, in one transaction scene, a user initiates recharging to the third platform according to needs through the bank server, as shown in fig. 4, the method specifically comprises the following steps:
the bank server can receive a transfer request initiated by a user, so that a cash withdrawal bank card and a target transaction platform selected by the user are determined, risk check is carried out on the transfer request, if the risk check is passed, user information is sent to an intermediary platform, the intermediary platform judges whether the user creates a unique identification code on a third party platform, and if the user creates the unique identification code, a posting notification is directly initiated to the third party platform; if the identification code is not created, firstly, the unique identification code is distributed to the third-party platform for the user, and then a notification notice is sent to the third-party platform; the intermediary platform confirms that the transaction is completed, performs fund clearing, deducts available fund of the bank, and settles corresponding fund to the target transaction platform.
In another transaction scenario, a user initiates a convenient recharging scheme without binding a card through a to-be-deducted transaction platform, as shown in fig. 5, the user initiates a payment or recharging request on a third-party platform, and the user can select four digits after the bank and the input bank card are input; the third party platform sends a deduction request to the intermediary platform, the third party platform judges whether the user creates the unique identification code or not, and if not, the third party platform requests the intermediary platform to create; if the unique identification code is created, the unique identification code is directly used for interacting with the intermediary platform; the intermediary platform initiates a deduction request to the bank, and can judge whether the user creates the unique identification code at the bank server side or not at first, and if not, the intermediary platform notifies the bank after creating the unique identification code; if the unique identification code is created, directly using the unique identification code to interact with the bank; the bank informs the intermediary platform that the deduction is successful, the intermediary platform informs the third party that the deduction is successful, the intermediary platform confirms that the transaction is completed, the fund settlement is carried out, the available fund of the bank is deducted, and the corresponding fund is settled to the third party platform.
By applying the method provided by the embodiment of the invention, the privacy of the user can be prevented from being revealed in the transaction process; more management and control space can be provided for the bank, so that the bank can effectively control the transaction request initiated from the bank end, and better risk prevention and control can be realized; for the user, the experience is better, the user only needs to wait for the result after initiating the transaction, and the complicated operations such as inputting a card number and inputting a short message verification code are not needed; the method is simpler for a third-party platform and a bank, frequent mutual interactive communication is not needed, the processes are not repeatedly called mutually, and the whole process can be completed by one set of logic.
Corresponding to the method described in fig. 1, an embodiment of the present invention further provides a transaction data processing apparatus, which is used for implementing the method in fig. 1 specifically, the transaction data processing apparatus provided in the embodiment of the present invention may be applied to a transaction platform, and a schematic structural diagram of the transaction data processing apparatus is shown in fig. 6, and specifically includes:
the first receiving unit 601 is configured to, when a transaction request sent by a bank server is received, obtain a first bank identity and transaction information included in the transaction request;
a determining unit 602, configured to determine a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity;
a first determining unit 603, configured to determine whether a first platform identity identifier corresponding to the user to be traded already exists; the first platform identity mark is used for representing the identity of the user to be traded on a target trading platform;
a first generating unit 604, configured to generate a first platform identity of the user to be traded if the first platform identity does not exist;
a second generating unit 605, configured to generate a transaction notification based on the first platform identity and the transaction message;
a sending unit 606, configured to send the transaction notification to the target transaction platform, so that the target transaction platform executes a transaction operation corresponding to the transaction notification.
In an embodiment provided by the present invention, based on the above scheme, optionally, the transaction data processing apparatus further includes a first identifier generating unit, where the first identifier generating unit is configured to:
when a first bank identity creating request which is sent by the bank server and corresponds to the user to be transacted is received, generating a first bank identity corresponding to the user to be transacted based on the first bank identity creating request;
and sending the first bank identity to the bank server.
In an embodiment provided by the present invention, based on the above scheme, optionally, the determining unit includes:
the acquisition subunit acquires a platform identifier contained in the transaction request;
determining a pre-established trading platform set, wherein the trading platform set comprises at least one trading platform;
and determining the trading platform matched with the platform identification in the trading platform set as a target trading platform corresponding to the trading request.
In an embodiment of the invention, based on the above scheme, optionally, the transaction data processing apparatus further includes a deduction processing unit, where the deduction processing unit is configured to:
when a second transaction request sent by a transaction platform to be deducted is received, a pre-generated second platform identity mark and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any one transaction platform in the transaction platform set;
determining a target bank server corresponding to the second transaction request and a user to be deducted corresponding to the second platform identity;
judging whether a second bank identity corresponding to the user to be deducted exists or not; the second bank identity is used for representing the identity of the user at the target bank server;
if the deduction request does not exist, generating a second bank identity of the user to be deducted, and generating a deduction request based on the second bank identity and the deduction information;
and sending the deduction request to the target bank server, so that the target bank server executes deduction operation corresponding to the deduction request.
In an embodiment provided by the present invention, based on the above scheme, optionally, the transaction data processing apparatus further includes a second identifier generating unit, where the second identifier generating unit is configured to:
when a second platform identity identification creating request sent by the transaction platform to be deducted is received, acquiring user information and a bank card identification contained in the creating request, wherein the bank card identification is a part of a bank card number of a bank card to be deducted;
and generating the second platform identity identification based on the user information and the bank card identification.
The specific principle and the implementation process of each unit and each module in the transaction data processing device disclosed in the embodiment of the present invention are the same as those of the transaction data processing method disclosed in the embodiment of the present invention, and reference may be made to corresponding parts in the transaction data processing method provided in the embodiment of the present invention, which are not described herein again.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The transaction data processing method provided by the invention is described in detail above, and the principle and the implementation mode of the invention are explained by applying specific examples, and the description of the above examples is only used for helping understanding the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A transaction data processing method, comprising:
when a transaction request sent by a bank server is received, acquiring a first bank identity and transaction information contained in the transaction request;
determining a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity;
judging whether a first platform identity mark corresponding to the user to be traded exists or not; the first platform identity mark is used for representing the identity of the user to be traded on a target trading platform;
if the user identity identification does not exist, generating a first platform identity identification of the user to be traded;
generating a transaction notification based on the first platform identity and the transaction message;
and sending the transaction notification to the target transaction platform, so that the target transaction platform executes the transaction operation corresponding to the transaction notification.
2. The method of claim 1, wherein before receiving the transaction request sent by the banking server, further comprising:
when a first bank identity creating request which is sent by the bank server and corresponds to the user to be transacted is received, generating a first bank identity corresponding to the user to be transacted based on the first bank identity creating request;
and sending the first bank identity to the bank server.
3. The method of claim 1, wherein the determining the target trading platform to which the trading request corresponds comprises:
acquiring a platform identifier contained in the transaction request;
determining a pre-established trading platform set, wherein the trading platform set comprises at least one trading platform;
and determining the trading platform matched with the platform identification in the trading platform set as a target trading platform corresponding to the trading request.
4. The method of claim 3, further comprising:
when a second transaction request sent by a transaction platform to be deducted is received, a pre-generated second platform identity mark and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any one transaction platform in the transaction platform set;
determining a target bank server corresponding to the second transaction request and a user to be deducted corresponding to the second platform identity;
judging whether a second bank identity corresponding to the user to be deducted exists or not; the second bank identity is used for representing the identity of the user at the target bank server;
if the deduction request does not exist, generating a second bank identity of the user to be deducted, and generating a deduction request based on the second bank identity and the deduction information;
and sending the deduction request to the target bank server, so that the target bank server executes deduction operation corresponding to the deduction request.
5. The method of claim 4, wherein generating the second platform identity comprises:
when a second platform identity identification creating request sent by the transaction platform to be deducted is received, acquiring user information and a bank card identification contained in the creating request, wherein the bank card identification is a part of a bank card number of a bank card to be deducted;
and generating the second platform identity identification based on the user information and the bank card identification.
6. A transaction data processing apparatus, comprising:
the system comprises a first receiving unit, a second receiving unit and a third receiving unit, wherein the first receiving unit is used for acquiring a first bank identity and transaction information contained in a transaction request when the transaction request sent by a bank server is received;
the determining unit is used for determining a target transaction platform corresponding to the transaction request and a user to be transacted corresponding to the first bank identity;
the first judging unit is used for judging whether a first platform identity mark corresponding to the user to be traded exists or not; the first platform identity mark is used for representing the identity of the user to be traded on a target trading platform;
the first generation unit is used for generating a first platform identity of the user to be traded if the first platform identity does not exist;
a second generating unit, configured to generate a transaction notification based on the first platform identity and the transaction message;
and the sending unit is used for sending the transaction notification to the target transaction platform so that the target transaction platform executes the transaction operation corresponding to the transaction notification.
7. The apparatus of claim 6, further comprising a first identifier generation unit configured to:
when a first bank identity creating request which is sent by the bank server and corresponds to the user to be transacted is received, generating a first bank identity corresponding to the user to be transacted based on the first bank identity creating request;
and sending the first bank identity to the bank server.
8. The apparatus of claim 6, wherein the determining unit comprises:
the acquisition subunit acquires a platform identifier contained in the transaction request;
determining a pre-established trading platform set, wherein the trading platform set comprises at least one trading platform;
and determining the trading platform matched with the platform identification in the trading platform set as a target trading platform corresponding to the trading request.
9. The apparatus of claim 8, further comprising a deduction processing unit configured to:
when a second transaction request sent by a transaction platform to be deducted is received, a pre-generated second platform identity mark and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any one transaction platform in the transaction platform set;
determining a target bank server corresponding to the second transaction request and a user to be deducted corresponding to the second platform identity;
judging whether a second bank identity corresponding to the user to be deducted exists or not; the second bank identity is used for representing the identity of the user at the target bank server;
if the deduction request does not exist, generating a second bank identity of the user to be deducted, and generating a deduction request based on the second bank identity and the deduction information;
and sending the deduction request to the target bank server, so that the target bank server executes deduction operation corresponding to the deduction request.
10. The apparatus of claim 9, further comprising a second identifier generating unit configured to:
when a second platform identity identification creating request sent by the transaction platform to be deducted is received, acquiring user information and a bank card identification contained in the creating request, wherein the bank card identification is a part of a bank card number of a bank card to be deducted;
and generating the second platform identity identification based on the user information and the bank card identification.
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