CN112950355B - Transaction data processing method and device - Google Patents
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- CN112950355B CN112950355B CN202110259480.3A CN202110259480A CN112950355B CN 112950355 B CN112950355 B CN 112950355B CN 202110259480 A CN202110259480 A CN 202110259480A CN 112950355 B CN112950355 B CN 112950355B
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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, a first bank identity mark and transaction information contained in the transaction request are acquired; 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 corresponding to the user to be transacted exists or not; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform; if not, generating a first platform identity of the user to be transacted; 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 risk of revealing the private information of the user can be reduced.
Description
Technical Field
The present invention relates to the field of data processing technologies, and in particular, to a transaction data processing method and apparatus.
Background
In recent years, with the development of internet technology, network transaction is also becoming popular with users, users usually conduct network transaction 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 the network transaction platform, a quick payment mode is generally used for performing a product transaction, and when the user performs the transaction in the quick payment mode, the transaction platform can acquire privacy information such as a bank card number and a mobile phone number of the user, so that the privacy information of the user has a leakage risk.
Disclosure of Invention
The invention aims to provide a transaction data processing method which can reduce the risk of revealing private information of a user.
The invention also provides a transaction data processing device which is used for ensuring the realization and application of the method in practice.
A transaction data processing method, comprising:
when a transaction request sent by a bank server is received, a first bank identity mark and transaction information contained in the transaction request are acquired;
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 corresponding to the user to be transacted exists or not; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform;
if not, generating a first platform identity of the user to be transacted;
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.
The method, before optionally receiving the transaction request sent by the bank server, further includes:
when a first bank identity identification creation request corresponding to the user to be transacted, which is sent by the bank server, is received, a first bank identity identification corresponding to the user to be transacted is generated based on the first bank identity identification creation request;
and sending the first bank identity to the bank server.
In the above method, 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 transaction platform matched with the platform identifier in the transaction platform set as a target transaction platform corresponding to the transaction request.
The method, optionally, further comprises:
when a second transaction request sent by a transaction platform to be deducted is received, a pre-generated second platform identity identifier and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any 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 identifier;
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 not, 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 side, so that the target bank server side executes the deduction operation corresponding to the deduction request.
The method, optionally, the process of generating the second platform identity identifier, includes:
when a second platform identity identification creation request sent by the transaction platform to be deducted is received, user information and a bank card identification contained in the creation request are obtained, wherein the bank card identification is part of bank card numbers of the bank card to be deducted;
and generating the second platform identity based on the user information and the bank card identity.
A transaction data processing apparatus comprising:
the first receiving unit is used for acquiring a first bank identity mark 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 corresponding to the user to be transacted exists or not; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform;
the first generation unit is used for generating a first platform identity of the user to be transacted if the user to be transacted does not exist;
the second generation unit is used for generating 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 configured to:
when a first bank identity identification creation request corresponding to the user to be transacted, which is sent by the bank server, is received, a first bank identity identification corresponding to the user to be transacted is generated based on the first bank identity identification creation 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 transaction platform matched with the platform identifier in the transaction platform set as a target transaction platform corresponding to the transaction request.
The above apparatus, optionally, further comprises 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 identifier and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any 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 identifier;
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 not, 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 side, so that the target bank server side executes the deduction operation corresponding to the deduction request.
The apparatus above, optionally, further comprises a second identifier generating unit configured to:
when a second platform identity identification creation request sent by the transaction platform to be deducted is received, user information and a bank card identification contained in the creation request are obtained, wherein the bank card identification is part of bank card numbers of the bank card to be deducted;
and generating the second platform identity based on the user information and the bank card identity.
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, a first bank identity mark and transaction information contained in the transaction request are acquired; 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 corresponding to the user to be transacted exists or not; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform; if not, generating a first platform identity of the user to be transacted; 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 notification is generated based on the first platform identity and the transaction message, so that the first platform identity can be used for replacing the privacy information of the user, and the privacy information disclosure of the user can be effectively prevented.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart of a transaction data processing method according to the present invention;
FIG. 2 is a flowchart of a process for determining a target transaction platform corresponding to a transaction request according to the present invention;
FIG. 3 is a flow chart of a transaction data processing procedure provided by the present invention;
FIG. 4 is a diagram illustrating 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 device according to the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the 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 one … …" does not exclude the presence of other like 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 intermediary platform can interact with a bank server and each transaction platform, and a 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 acquired.
In the method provided by the embodiment of the invention, the transaction request comprises platform selection information of the user, a first bank identity mark and transaction information, wherein the platform selection information can comprise a platform mark.
Specifically, the first bank identity identifier may be pre-generated by the intermediary platform, where the first bank identity identifier is used to characterize the identity of the corresponding user to be transacted on the intermediary platform, and specifically may replace one or more information such as a bank card number and an identity card number of the user to be transacted with the first bank identity identifier.
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 the risk audit is passed on a transfer request sent by the user by the bank server, where the transfer request includes a transfer amount, a outgoing 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 transaction platform corresponding to the transaction request can be determined through the platform selection information in the transaction request.
And determining the user to be transacted corresponding to the first bank identity through a preset relation table, wherein the relation table records the corresponding relation between different first bank identities and different users.
S103: judging whether a first platform identity corresponding to the user to be transacted exists or not, and if not, executing S104; if yes, executing S105; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform.
In the method provided by the embodiment of the invention, the identity storage table of the target transaction platform can be obtained, the identity storage table of the target transaction platform is used for recording the corresponding relation between each generated first platform identity and each user, and whether the first platform identity corresponding to the user to be transacted exists or not can be determined through the identity storage table.
S104: and generating a first platform identity of the user to be transacted.
In the method provided by the embodiment of the invention, in one feasible mode, the first platform identity of the user to be transacted can be generated through a preset identity generation mode, in another feasible mode, the platform identities in idle states can be determined, the target platform identity is selected from the platform identities in idle states, and the target platform identity is bound with the user to be transacted to obtain the first platform identity of the user to be transacted.
S105: generating a transaction notification based on the first platform identity and the transaction message.
In the method provided by the embodiment of the invention, the transaction notification can be used for indicating the target transaction platform to execute 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 perform transaction operations such as recharging or commodity providing for the account corresponding to the first platform identity.
Optionally, after sending the transaction notification to the target transaction platform, the method further includes: and when receiving the transaction completion notification 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, a first bank identity mark and transaction information contained in the transaction request are acquired; 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 corresponding to the user to be transacted exists or not; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform; if not, generating a first platform identity of the user to be transacted; 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 notification is generated based on the first platform identity and the transaction message, so that the first platform identity can be utilized to replace the privacy information of the user, the privacy information of the user can be effectively prevented from being revealed, the user does not need to input complicated operations such as card numbers, short message verification codes and the like in the transaction process, and the interactive communication times between the bank and the 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 identification creation request corresponding to the user to be transacted, which is sent by the bank server, is received, a first bank identity identification corresponding to the user to be transacted is generated based on the first bank identity identification creation request;
and sending the first bank identity to the bank server.
In the method provided by the embodiment of the invention, after the transfer request risk of the user to be transacted is checked by the bank server, whether the user to be transacted creates the first bank identity mark in the intermediary institution is confirmed, and if not, the first bank identity mark creation request of the user to be transacted is sent to the intermediary platform.
Optionally, the identity information of the user to be transacted may be obtained in the first bank identity identifier creation request, where the identity information may include one or more of a name of the user, identity card information, a part of a bank card number of a target bank card, where the part of the bank card number may be four bits after 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 by the embodiment of the present invention, based on the implementation process, specifically, the determining the target transaction platform corresponding to the transaction request, as shown in fig. 2, specifically includes:
s201: and acquiring a platform identifier 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 including at least one trading platform.
In the method provided by the embodiment of the invention, each transaction platform in the transaction platform set can be a platform for establishing a transaction contract with the agency.
S203: and determining the transaction platform matched with the platform identifier in the transaction platform set as a target transaction platform corresponding to the transaction request.
In the method provided by the embodiment of the invention, the platform identifier and each transaction platform in the transaction platform set can be matched to determine the transaction platform matched with the platform identifier, and the transaction platform matched with the platform identifier in the transaction platform set is determined as the target transaction platform corresponding to the transaction request.
The method provided by the embodiment of the present invention further includes a feasible transaction data processing process based on the implementation process, where 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 identifier and deduction information contained in the second transaction request are obtained.
The transaction platform to be deducted is any transaction platform in the transaction platform set.
Optionally, when the intermediary platform receives the second transaction request sent by the transaction platform to be deducted, the second platform identity identifier and the deduction information contained in the second transaction request are obtained.
S302: and determining a target bank server corresponding to the second transaction request and a user to be deducted corresponding to the second platform identity.
And determining the user to be transacted corresponding to the second platform identity identifier through a preset relation table, wherein the relation table records the corresponding relation between different second platform identity identifiers and different users.
S303: judging whether a second bank identity corresponding to the user to be deducted exists or not; if so, S305 is executed, and if not, S306 is executed.
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 invention, in one feasible mode, the second bank identity of the user to be transacted can be generated through a preset identity generation mode, in another feasible mode, each bank identity in an idle state can be determined, a target bank identity is selected from the bank identities in the idle state, and the target bank identity is bound with the user to be transacted 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 side, so that the target bank server side executes the deduction operation corresponding to the deduction request.
In the method provided by the embodiment of the invention, the transaction platform to be deducted determines whether the second platform identity identifier corresponding to the user to be deducted exists or not under the condition that the payment request initiated by the user to be deducted is received, and if the second platform identity identifier corresponding to the user to be deducted 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 by 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 creation request sent by the transaction platform to be deducted is received, user information and a bank card identification contained in the creation request are obtained, wherein the bank card identification is part of bank card numbers of the bank card to be deducted;
and generating the second platform identity based on the user information and the bank card identity.
The bank card to be deducted can be a bank card selected by a user, and the part of bank card numbers can be the back four digits of the bank card number 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 mechanism, a target transaction platform belongs to a third platform, and in one transaction scene, a user initiates recharging to the third party platform as required through the bank server, as shown in fig. 4, and the method specifically comprises the following steps:
the bank server side can receive the transfer request initiated by the user, so as to determine a cash-out bank card and a target transaction platform selected by the user, and perform risk verification on the transfer request, if the risk verification passes, the user information is sent to the intermediary platform, the intermediary platform judges whether the user has created a unique identification code on the third party platform, and if so, the intermediary platform directly initiates a check-in notification to the third party platform; if the user does not create the unique identification code, the user distributes the unique identification code to the third party platform, and then a notification notice is initiated to the third party platform; and the intermediary platform confirms that the transaction is completed, performs fund clearing, deducts the available funds of the bank and settles the corresponding funds to the target transaction platform.
In another transaction scenario, a user initiates a convenient recharging scheme without binding a card through a transaction platform to be deducted, as shown in fig. 5, the user initiates a payment or recharging request on a third party platform, and the user can select a bank line and input the back four bits of a bank card; the third party platform initiates a deduction request to the intermediary platform, the third party platform firstly judges whether the user has created the unique identification code, and if not, the third party platform firstly requests the intermediary platform to create; if so, directly using the unique identification code to interact with the intermediary platform; the intermediary platform initiates a deduction request to the bank, the intermediary platform can firstly judge whether a user has created a unique identification code at a bank server, if not, the intermediary platform firstly creates and then notifies the bank; if so, directly using the unique identification code to interact with the bank; the bank informs the intermediary platform of successful deduction, the intermediary platform informs the third party of successful deduction of the receipt, the intermediary platform confirms that the transaction is completed, funds are settled, available funds of the bank are deducted, and corresponding funds are settled to the third party platform.
By applying the method provided by the embodiment of the invention, the disclosure of the privacy of the user can be avoided in the transaction process; the bank can be provided with more control space, so that the bank can effectively control the transaction request initiated from the bank end, and better risk prevention and control can be realized; the user experience is more, only the result is waited after the transaction is initiated, and complicated operations such as card number input, short message verification code input and the like are not needed; the method is simpler for the third party platform and the bank, frequent interactive communication is not needed, the process is not repeatedly called, and one set of logic can finish the whole process.
Corresponding to the method shown in fig. 1, the embodiment of the present invention further provides a transaction data processing device, which is used for implementing the method shown in fig. 1, where the transaction data processing device provided in the embodiment of the present invention may be applied to a transaction platform, and the structural schematic diagram of the transaction data processing device is shown in fig. 6, and specifically includes:
the first receiving unit 601 is configured to obtain, when a transaction request sent by a banking server is received, a first banking identifier 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 identifier corresponding to the user to be transacted already exists; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform;
a first generating unit 604, configured to generate a first platform identifier of the user to be transacted if the first platform identifier does not exist;
a second generating unit 605, configured to generate a transaction notification based on the first platform identifier and the transaction message;
and 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 of the present invention, based on the foregoing solution, optionally, the transaction data processing apparatus further includes a first identifier generating unit configured to:
when a first bank identity identification creation request corresponding to the user to be transacted, which is sent by the bank server, is received, a first bank identity identification corresponding to the user to be transacted is generated based on the first bank identity identification creation request;
and sending the first bank identity to the bank server.
In an embodiment of the present invention, based on the foregoing solution, 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 transaction platform matched with the platform identifier in the transaction platform set as a target transaction platform corresponding to the transaction request.
In an embodiment of the present invention, based on the foregoing solution, 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 identifier and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any 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 identifier;
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 not, 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 side, so that the target bank server side executes the deduction operation corresponding to the deduction request.
In an embodiment of the present invention, based on the foregoing solution, optionally, the transaction data processing apparatus further includes a second identifier generating unit configured to:
when a second platform identity identification creation request sent by the transaction platform to be deducted is received, user information and a bank card identification contained in the creation request are obtained, wherein the bank card identification is part of bank card numbers of the bank card to be deducted;
and generating the second platform identity based on the user information and the bank card identity.
The specific principle and execution process of each unit and module in the transaction data processing device disclosed in the above embodiment of the present invention are the same as those of the transaction data processing method disclosed in the above embodiment of the present invention, and may refer to corresponding parts in the transaction data processing method provided in the above embodiment of the present invention, which are not described herein again.
It should be noted that, in the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described as different from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other. For the apparatus class embodiments, the description is relatively simple as it is substantially similar to the method embodiments, and reference is made to the description of the method embodiments for relevant points.
Finally, it is further noted that relational terms such as first and second, and the like are 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. Moreover, 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 one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in the same piece or pieces of software and/or hardware when implementing the present invention.
From the above description of embodiments, it will be apparent to those skilled in the art that the present invention may be implemented in software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present invention may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method described in the embodiments or some parts of the embodiments of the present invention.
The foregoing has outlined a detailed description of a transaction data processing method according to the present invention, wherein specific examples are provided herein to illustrate the principles and embodiments of the present invention, and the above examples are provided to assist in understanding the method and core ideas of the present invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
Claims (10)
1. A transaction data processing method, comprising:
when a transaction request sent by a bank server is received, a first bank identity mark and transaction information contained in the transaction request are acquired;
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 corresponding to the user to be transacted exists or not; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform, and the first platform identity is used for replacing privacy information of the user to be transacted;
if the platform identity identification is not in the idle state, determining the platform identity identification in the idle state, selecting a target platform identity identification from the platform identity identifications in the idle state, and binding the target platform identity identification with the user to be transacted to obtain a first platform identity identification of the user to be transacted;
generating a transaction notification based on the first platform identity and the transaction information;
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, further comprising, prior to receiving the transaction request from the banking server:
when a first bank identity identification creation request corresponding to the user to be transacted, which is sent by the bank server, is received, a first bank identity identification corresponding to the user to be transacted is generated based on the first bank identity identification creation request;
and sending the first bank identity to the bank server.
3. The method of claim 1, wherein the determining the target transaction platform to which the transaction 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 transaction platform matched with the platform identifier in the transaction platform set as a target transaction platform corresponding to the transaction request.
4. A method according to 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 identifier and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any 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 identifier;
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 not, 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 side, so that the target bank server side executes the deduction operation corresponding to the deduction request.
5. The method of claim 4, wherein generating the second platform identity identifier comprises:
when a second platform identity identification creation request sent by the transaction platform to be deducted is received, user information and a bank card identification contained in the creation request are obtained, wherein the bank card identification is part of bank card numbers of the bank card to be deducted;
and generating the second platform identity based on the user information and the bank card identity.
6. A transaction data processing device, comprising:
the first receiving unit is used for acquiring a first bank identity mark 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 corresponding to the user to be transacted exists or not; the first platform identity is used for representing the identity of the user to be transacted on a target transaction platform, and the first platform identity is used for replacing privacy information of the user to be transacted;
the first generation unit is used for determining each platform identity in an idle state if the platform identity does not exist, selecting a target platform identity from the platform identities in the idle state, and binding the target platform identity with the user to be transacted to obtain a first platform identity of the user to be transacted;
the second generation unit is used for generating a transaction notification based on the first platform identity and the transaction information;
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 identity generation unit configured to:
when a first bank identity identification creation request corresponding to the user to be transacted, which is sent by the bank server, is received, a first bank identity identification corresponding to the user to be transacted is generated based on the first bank identity identification creation request;
and sending the first bank identity to the bank server.
8. The apparatus according to claim 6, wherein 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 transaction platform matched with the platform identifier in the transaction platform set as a target transaction platform corresponding to the transaction 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 identifier and deduction information contained in the second transaction request are obtained; the transaction platform to be deducted is any 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 identifier;
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 not, 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 side, so that the target bank server side executes the deduction operation corresponding to the deduction request.
10. The apparatus of claim 9, further comprising a second identity generation unit configured to:
when a second platform identity identification creation request sent by the transaction platform to be deducted is received, user information and a bank card identification contained in the creation request are obtained, wherein the bank card identification is part of bank card numbers of the bank card to be deducted;
and generating the second platform identity based on the user information and the bank card identity.
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