CN115170108A

CN115170108A - Transaction data processing method and device and server

Info

Publication number: CN115170108A
Application number: CN202210905774.3A
Authority: CN
Inventors: 郭锐鹏; 左金柱; 林露蕃; 蔡为彬
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-07-29
Filing date: 2022-07-29
Publication date: 2022-10-11

Abstract

The specification provides a transaction data processing method, a transaction data processing device and a transaction data processing server, which can be applied to the field of finance. Based on the method, the cloud server of the transaction platform can be respectively connected with the business system of the target mechanism and the transaction system of the transaction platform; after receiving a target transaction request initiated by a target user, the cloud server firstly preprocesses a target image and a target identity certificate to acquire key element information of a target certificate file and identity characteristic information of the target user; when the target user identity authentication is determined to pass, logging in a service system according to a preset processing rule; verifying the target certificate file by using key element information of the target certificate file through a service system; and under the condition of passing the verification, calling a transaction system to respond to the target transaction request, and performing corresponding transaction data processing according to the key element information of the target certificate file. Therefore, the agent target institution can safely and efficiently complete the related transaction data processing automatically.

Description

Transaction data processing method and device and server

Technical Field

The specification belongs to the technical field of internet, and particularly relates to a transaction data processing method, a transaction data processing device and a transaction data processing server.

Background

In the financial business field, some institutions or businesses may delegate financial payments to transaction platform (e.g., bank) agents or businesses. However, based on the existing method, the user must hold the certificate issued by the organization or the enterprise to go to the offline website of the transaction platform to transact the related agency financial payment service; meanwhile, the staff of the transaction platform needs to manually check the specific information in the certificate and can transact the related agency financial payment business for the user through the transaction system of the transaction platform after confirming the error with the related organization or enterprise.

Therefore, based on the existing method, the technical problems of complicated and complex operation process, low overall processing efficiency, poor user experience and the like often exist in the concrete implementation.

In view of the above problems, no effective solution has been proposed.

Disclosure of Invention

The description provides a transaction data processing method, a transaction data processing device and a transaction data processing server, so that a transaction platform can better proxy a target mechanism to safely and efficiently automatically complete related transaction data processing, the operation of a user side is effectively simplified, and the overall processing efficiency is improved.

The specification provides a transaction data processing method, which is applied to a cloud server of a transaction platform, wherein the cloud server is respectively connected with a business system of a target institution and the transaction system of the transaction platform, and the method comprises the following steps:

receiving a target transaction request initiated by a target user through a target client; the target transaction request at least carries a target image and a target identity certificate of a target user; the target image comprises a target certificate file provided by a target mechanism to a target user;

preprocessing a target image and a target identity certificate to acquire key element information of a target certificate file and identity characteristic information of a target user;

according to the identity characteristic information of the target user, performing identity verification on the target user;

under the condition that the target user identity authentication is determined to pass, logging in a service system according to a preset processing rule; verifying the target certificate file by using the key element information of the target certificate file through the service system;

and under the condition that the target voucher file is confirmed to pass the verification, calling a transaction system to respond to the target transaction request, and performing corresponding transaction data processing according to the key element information of the target voucher file.

In one embodiment, the target credential file contains at least a validation token.

In one embodiment, before preprocessing the target image and the target identity document to obtain key element information of the target document and identity feature information of the target user, the method further comprises:

detecting whether a verification identifier exists in a target image;

under the condition that a verification identifier exists in a target image, detecting whether the verification identifier meets the requirement;

and feeding back an error report prompt to the target client under the condition that the verification target image does not have the verification identifier or the verification identifier does not meet the requirement.

In one embodiment, the target credential file further includes an area identification.

In one embodiment, the pre-processing of the target image comprises:

detecting and extracting a region identifier from the target image to be used as a target region identifier;

according to the target area identification, determining a matched preset image processing model from a plurality of preset image processing models as a target image processing model;

and processing the target image by using the target image processing model to acquire key element information of the target certificate file.

In one embodiment, the key element information includes at least one of: the voucher number, the user identification of the payee, the account number of the collection account, the user identification of the payer, the account number of the payment account, the resource data and the purpose.

In one embodiment, logging in the business system according to the preset processing rule comprises:

calling a flow simulation robot to log in a service system by using a specified account; the specified account corresponds to identification information of the cloud server.

In one embodiment, the verifying the target certificate file by using the key element information of the target certificate file through the service system includes:

inquiring file records of a service system according to the certificate number of the target certificate file to determine whether system records of the target certificate file exist or not;

in the case that the system record of the target certificate file is determined to exist, detecting whether a confirmation instruction for the target certificate file exists;

under the condition that a confirmation instruction aiming at the target voucher file is determined to exist, comparing key element information of the target voucher file according to system records of the target voucher file to obtain a comparison result;

and determining whether the target certificate file passes the verification according to the comparison result.

In one embodiment, the calling transaction system responds to the target transaction request and performs corresponding transaction data processing according to the key element information of the target voucher file, and the method comprises the following steps:

calling a transaction system to respond to a target transaction request, and generating a corresponding target payment order according to key element information of a target voucher file;

determining a matched payment account of a target institution authorization transaction platform agent according to the key element information of the target voucher file;

and calling the resource data of the payment account to settle the target payment order.

In one embodiment, prior to invoking the resource data of the payment account for settlement processing of the target payment order, the method further comprises:

and carrying out information verification on the target payment order according to the target image.

In one embodiment, after invoking the resource data of the payment account to settle the target payment order, the method further comprises:

generating a target transaction processing result;

and sending the target transaction processing result to a target client according to a 5G transmission protocol.

In one embodiment, the target transaction request is sent by the target client to the cloud server according to a 5G transport protocol.

The present specification further provides a transaction data processing apparatus, which is applied to a cloud server of a transaction platform, wherein the cloud server is connected to a service system of a target institution and a transaction system of the transaction platform, respectively, and the apparatus includes:

the receiving module is used for receiving a target transaction request initiated by a target user through a target client; the target transaction request at least carries a target image and a target identity certificate of a target user; the target image comprises a target certificate file provided by a target mechanism to a target user;

the preprocessing module is used for preprocessing the target image and the target identity certificate so as to acquire key element information of the target certificate file and identity characteristic information of a target user;

the verification module is used for verifying the identity of the target user according to the identity characteristic information of the target user;

the verification module is used for logging in the service system according to a preset processing rule under the condition that the identity of the target user is confirmed to pass the verification; verifying the target certificate file by using the key element information of the target certificate file through the service system;

and the processing module is used for calling the transaction system to respond to the target transaction request under the condition of determining that the target voucher file passes the verification, and carrying out corresponding transaction data processing according to the key element information of the target voucher file.

The present specification also provides a server comprising a processor and a memory for storing processor-executable instructions that when executed by the processor implement the steps of the transaction data processing method.

The present specification also provides a computer readable storage medium having stored thereon computer instructions which, when executed by a processor, carry out the steps of the transaction data processing method.

Based on the transaction data processing method, the transaction data processing device and the transaction data processing server provided by the specification, the cloud server of the transaction platform can be respectively connected with the business system of the target mechanism and the transaction system of the transaction platform. The target organization entrusts and authorizes the transaction platform to carry out agency financial payment business through corresponding agreement rules in advance. A target user holding a target credential file issued by a target organization can directly initiate a target transaction request to a cloud server of a transaction platform on line through a target client; the target transaction request at least carries a target image containing a target certificate file and a target identity certificate of a target user; the cloud server of the transaction platform can receive and respond to the target transaction request, and preprocess the target image and the target identity certificate to acquire key element information of a target certificate file and identity characteristic information of a target user; under the condition that the identity verification of the target user is determined to pass according to the identity characteristic information of the target user, simulating the operation of a worker through a simulation process person according to a preset processing rule, and automatically logging in a business system of a target mechanism instead of the worker; the key element information of the target certificate file is utilized to automatically check the target certificate file through the service system; and under the condition that the target voucher file is confirmed to pass the verification, calling a transaction system to respond to the target transaction request, and performing corresponding transaction data processing according to the key element information of the target voucher file. Therefore, the transaction platform can better automatically complete transaction data processing related to agency financial payment safely and efficiently by agency of a target organization, the operation of a user side is effectively simplified, the overall processing efficiency is improved, and the user experience is improved.

Drawings

In order to more clearly illustrate the embodiments of the present specification, the drawings needed to be used in the embodiments will be briefly described below, and the drawings in the following description are only some of the embodiments described in the specification, and it is obvious to those skilled in the art that other drawings can be obtained based on the drawings without any inventive work.

FIG. 1 is a schematic flow diagram of a transaction data processing method provided by one embodiment of the present description;

FIG. 2 is a schematic diagram illustrating an embodiment of a transaction data processing method according to an embodiment of the present disclosure;

FIG. 3 is a schematic diagram illustrating an embodiment of a transaction data processing method as provided by an embodiment of the present specification, in one example scenario;

FIG. 4 is a schematic diagram illustrating an embodiment of a transaction data processing method according to an embodiment of the present disclosure;

fig. 5 is a schematic structural component diagram of a server provided in an embodiment of the present specification;

fig. 6 is a schematic structural component diagram of a transaction data processing device according to an embodiment of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without making any creative effort shall fall within the protection scope of the present specification.

Referring to fig. 1, an embodiment of the present disclosure provides a transaction data processing method. The method is specifically applied to one side of a cloud server of a transaction platform, and the cloud server is respectively connected with a business system of a target organization and the transaction system of the transaction platform. In specific implementation, the method may include the following:

s101: receiving a target transaction request initiated by a target user through a target client; the target transaction request at least carries a target image and a target identity certificate of a target user; the target image comprises a target certificate file provided by a target mechanism to a target user;

s102: preprocessing the target image and the target identity certificate to acquire key element information of a target certificate file and identity characteristic information of a target user;

s103: according to the identity characteristic information of the target user, performing identity verification on the target user;

s104: under the condition that the target user identity authentication is determined to pass, logging in a service system according to a preset processing rule; verifying the target certificate file by using the key element information of the target certificate file through the service system;

s105: and under the condition that the target voucher file is confirmed to pass the verification, calling a transaction system to respond to the target transaction request, and performing corresponding transaction data processing according to the key element information of the target voucher file.

Based on the embodiment, the transaction platform preprocesses the target image and the target identity certificate carried by the target transaction request to obtain key element information of a target certificate file and identity characteristic information of a target user; then, according to the identity characteristic information of the target user, performing identity verification on the target user; when the target user identity authentication is determined to pass, automatically logging in a service system of a target mechanism according to a preset processing rule, and verifying a target certificate file by using key saying information through the service system; and finally, calling a transaction system to respond to the target transaction request when the target certificate file is confirmed to pass the verification, and finishing transaction data processing related to proxy financial payment. Therefore, the target agency can well and safely and efficiently automatically complete the related transaction data processing, the operation process is effectively simplified, the overall processing efficiency is improved, and the user experience is improved.

In some embodiments, referring to fig. 2, the transaction data processing method may be specifically applied to a cloud service side of a transaction platform. Specifically, the cloud server may be connected to a service system of the target organization and a transaction system of the transaction platform, respectively.

The target institution can entrust and authorize the transaction platform to carry out agency financial payment business in advance through modes such as signing agreements and the like according to specific business requirements so as to establish a corresponding agency relationship with the transaction platform.

The cloud server may specifically include a background server which is applied to one side of the transaction platform and can realize functions of data transmission, data processing and the like. Specifically, the cloud server may be, for example, an electronic device having data operation, storage functions, and network interaction functions. Alternatively, the cloud server may also be a software program that runs in the electronic device and provides support for data processing, storage, and network interaction. In this embodiment, the number of servers included in the cloud server is not specifically limited. The cloud server may specifically be one server, may also be several servers, or a server cluster formed by several servers.

The target institution may be a company, a unit, a department, an institution, or the like. The transaction platform may specifically include a financial service institution such as a bank. The proxy financial payment service may specifically include a proxy financial payment service and the like.

In this scenario example, when a target entity needs to pay relevant resource data (e.g., relevant fees) to a target user, the target entity may not directly pay specific resource data to the target user according to the corresponding protocol rules; but rather opens a target credential file to the target user that is associated with the resource data to be paid for. The target user can carry out agency financial payment business through the transaction platform by means of the target certificate file to obtain the resource data.

In specific implementation, a target user can use a target client or other equipment provided with a camera to shoot a target certificate file to obtain a target image containing the target certificate file; and shooting the related certificate of the target user as a target identity certificate.

Then, the target user can directly initiate a target transaction request to a cloud server of the transaction platform through the held target client; the target transaction request at least carries a target image containing a target certificate file and a target identity certificate of a target user. The cloud server receives and responds to the target transaction request, and by adopting the transaction data processing method provided by the specification, the proxy target mechanism safely and efficiently automatically completes related transaction data processing through a service system of the target mechanism and a transaction system of a transaction platform which are connected in an abutting mode, so that a target user can conveniently and efficiently obtain the resource data.

The target client specifically comprises a front end which is applied to one side of a target user and can realize functions of data acquisition, data transmission and the like. Specifically, the target client may be, for example, a desktop computer, a tablet computer, a notebook computer, a smart phone, and the like. Alternatively, the target client may be a software application capable of running in the electronic device. For example, it may be some transaction platform APP running on a smartphone, etc.

In some embodiments, the target credential file may be specifically understood as a payment data issued by the target institution and provided to the target user for characterizing that the target institution will invoke a payment account of the transaction platform agent to pay for the target user. Specifically, when a staff of the target organization specifically develops a target credential file for the target user, the staff makes a corresponding record in a business system of the target organization. Meanwhile, for some target credential files that need to be audited and confirmed, the target mechanism staff will also send the target credential files to relevant auditors (e.g., superior leaders) through the service system for auditing, and then provide the target credential files to the target user only when corresponding confirmation instructions are given by the auditors after auditing. Meanwhile, the confirmation command is also recorded in the service system.

Further, the target document may be a paper document, such as a paper bill. The target credential file may specifically include information data related to financial payment.

In some embodiments, the target identity credential of the target user may be specifically understood as file data containing identity characteristic information of the target user, for example, a photo or a copy of a related certificate of the target user.

It should be noted that the information data related to the user referred to in the present specification is obtained and used on the premise that the user knows and agrees. Moreover, the acquisition, storage, use, processing and the like of the information data all conform to relevant regulations of national laws and regulations.

In some embodiments, the target credential file may contain at least a validation token.

The verification identifier may be specifically understood as identifier data set by the target entity when the target credential file is opened, the identifier data being used for representing that the target credential file is valid. Specifically, for example, the verification mark may be a stamp pattern including the name of the target institution.

Based on the above embodiments, the authenticity of the target credential document can be preliminarily verified by introducing and utilizing the verification identifier contained in the target credential document.

In some embodiments, before preprocessing the target image and the target identity credential to obtain key element information of the target credential file and identity feature information of the target user, when the method is implemented, the following may be further included:

s1: detecting whether a verification identifier exists in a target image;

s2: under the condition that a verification identifier exists in a target image, detecting whether the verification identifier meets the requirement;

s3: and feeding back an error report prompt to the target client under the condition that the verification target image does not have the verification identifier or the verification identifier does not meet the requirement.

Based on the embodiment, whether the verification identifier exists in the target image or not can be detected, whether the verification identifier meets the requirement or not can be detected, the target image which does not exist the verification identifier or does not meet the requirement can be found in advance, so that the high probability that the target certificate file contained in the target image is invalid can be determined, the error notification can be directly carried out on the target client, and the data processing resources and the processing time are not wasted for carrying out subsequent preprocessing.

In specific implementation, the name of the target mechanism may be obtained according to the target transaction request, and whether the verification identifier meets the requirement may be determined by detecting whether the mechanism name included in the verification identifier is consistent with the name of the target mechanism.

When it is determined that the target certificate file of the target image has the verification identifier and the verification identifier meets the requirement, it may be preliminarily determined that the target certificate file is a certificate file (e.g., a genuine certificate file) which is provided by the target organization and is valid, and further, subsequent preprocessing may be triggered. In contrast, in the case where it is determined that the target credential file of the target image does not have the authentication identifier, or the target credential file of the target image has the authentication identifier but the authentication identifier does not meet the requirement, it may be determined that the target credential file is probably not an invalid target credential file (e.g., a counterfeit credential file) issued by the target organization, and then the subsequent preprocessing is not triggered.

During specific implementation, the cloud server can also feed back the error prompt to the target client according to the 5G transmission protocol.

In some embodiments, the target credential file also includes an area identification.

The area identifier may be specifically used to indicate an area where the target mechanism is located.

In this embodiment, it is considered that there may be differences in the layout format and the content layout of the voucher files issued by the target organizations in different areas, which may cause differences in the subsequent preprocessing of the image containing the voucher file to extract the key element information. Therefore, it is considered to introduce and utilize the region identification of the voucher file to distinguish the voucher files of the target organizations of different regions of different layout formats or content layouts.

Based on the embodiment, the target mechanisms in different areas can be distinguished by introducing and according to the area identification in the target image, so that the target voucher files in different typesetting formats or content layouts can be distinguished, and the target image containing the target voucher files can be subjected to targeted preprocessing more accurately in the following process.

In some embodiments, the preprocessing of the target image may be implemented as follows:

s1: detecting and extracting a region identifier from the target image to be used as a target region identifier;

s2: according to the target area identification, determining a matched preset image processing model from a plurality of preset image processing models as a target image processing model;

s3: and processing the target image by using the target image processing model to acquire key element information of the target voucher file.

Based on the embodiment, the matched target image processing model can be obtained firstly and determined according to the target area identifier; and then, the target image can be preprocessed more efficiently and pertinently by using the target image processing model so as to accurately extract and obtain the required key element information.

In specific implementation, a target image can be used as model input and input into a target image processing model, and the target image processing model is operated to obtain corresponding model output; and obtaining the key element information of the required target certificate file according to the model output.

In specific implementation, the region identifier can be extracted by detecting the verification identifier in the target certificate file in the target image. The IP address of the target transaction request can be obtained; determining the position of a target user according to the IP address; and determining the area identification of the area where the target mechanism is located according to the position of the target user.

In some embodiments, before specific implementation, a plurality of sample credential files in different areas can be obtained, and key element information of the credential files is marked in each sample credential file to obtain a plurality of marked sample credential files; dividing the marked multiple sample voucher files into multiple sample groups according to the belonged areas; each sample group comprises a plurality of marked sample certificate files of the area; and training an initial OCR recognition model by utilizing a plurality of sample groups to obtain a plurality of preset image processing models respectively corresponding to the area identifications of the plurality of areas.

Before the specific implementation, the method may further include: clustering a plurality of sample certificate files contained in a plurality of sample groups respectively to obtain a plurality of preset OCR recognition templates; each preset OCR recognition template corresponds to an area identifier of an area; each preset OCR recognition template comprises the common characteristics of the layout formats of the sample certificate files in the area. Correspondingly, in specific implementation, the target OCR recognition template can be determined from a plurality of preset OCR recognition templates according to the target area identifier; and extracting required characteristic data from the target image according to the target OCR recognition template to obtain key element information of the target certificate file.

In some embodiments, the key element information may specifically include at least one of: a credential number, a user identification of the payee, an account number of the collection account, a user identification of the payer, an account number of the payment account, resource data (e.g., an amount of the fee to be paid), a purpose, etc.

It should be noted that the above listed key element information is only an illustrative description. In specific implementation, the key element information may further include element information of other contents according to a specific application scenario and a processing requirement. For example, it may further include: payment means (e.g., direct payment, authorized payment, etc.), business year, credential time, credential type, etc. The present specification is not limited thereto.

Based on the embodiment, the agent financial payment service can be accurately and comprehensively represented by acquiring and utilizing various key element information, and further subsequent data processing can be accurately performed.

In some embodiments, the preprocessing the target identity credential may be implemented as follows: and extracting information text features and/or facial image features related to the target user from the target identity certificate according to a preset feature extraction rule to serve as the identity feature information of the target user.

In some embodiments, authenticating the target user according to the identity characteristic information of the target user includes: and querying a user database in a networking manner, and verifying the identity of the target user according to the identity characteristic information of the target user.

In some embodiments, the logging in the service system according to the preset processing rule may include the following steps: calling a process simulation robot to log in a service system by using a specified account; and the specified account corresponds to the identification information of the cloud server.

The flow simulation robot can be specifically understood as a robot which is constructed based on an artificial intelligence technology and can simulate behavior operation of workers.

The specific account may be specifically understood as a proxy account that is allocated to the cloud server by the service system of the target entity in advance and used for logging in the service system. Specifically, the specific account may include identification information of the cloud server. Based on the proxy account, the cloud server can log in a business system of the target organization to realize operations such as query, confirmation, clearing, rollback and the like. Meanwhile, the service system can also know which server specifically logs in the service system according to the logged proxy account.

Based on the embodiment, the operation behavior of the staff of the transaction platform can be simulated by calling the flow simulation robot, and the business system is logged in by using the specified account number, so that the corresponding verification processing can be automatically completed in the business system in the following process.

In some embodiments, referring to fig. 3, the verifying the target credential document by using the key element information of the target credential document may be implemented as follows:

s1: inquiring file records of a service system according to the certificate number of the target certificate file to determine whether system records of the target certificate file exist or not;

s2: in the case that the system record of the target certificate file is determined to exist, detecting whether a confirmation instruction for the target certificate file exists;

s3: under the condition that a confirmation instruction aiming at the target certificate file is determined to exist, comparing key element information of the target certificate file according to a system record of the target certificate file to obtain a comparison result;

s4: and determining whether the target certificate file passes the verification according to the comparison result.

Based on the embodiment, the cloud server can automatically and efficiently realize accurate verification of the target certificate file by logging in and using the service system of the target mechanism.

In specific implementation, when it is determined that the system record of the target credential file does not exist in the service system, an error report prompt may be fed back to the target client.

In specific implementation, the verification can be determined to pass under the condition that the key element information of the target certificate file is determined to be consistent with the system record of the target certificate file according to the comparison result. Determining whether the difference degree is less than or equal to a preset difference degree threshold value or not under the condition that the key element information of the target voucher file is determined to be inconsistent with the record of the target voucher file and the difference exists; determining that the verification passes under the condition that the difference degree is less than or equal to a preset difference degree threshold value; meanwhile, the acquired key element information is corrected according to the system record of the target certificate file, and the corrected key element information is obtained; and the corrected key element information is used for participating in subsequent data processing. And under the condition that the difference degree is larger than the preset difference degree threshold value, determining that the verification fails, and feeding back an error report prompt to the target client.

In the specific implementation, when the confirmation instruction is determined to exist, the authenticity of the confirmation instruction can be further judged. Specifically, the auditor sending the confirmation instruction may be determined according to the system record of the target credential file; then, a pre-stored handwriting template of an auditor is called; and judging whether the confirmation instruction is forged or not according to the handwriting template. If the confirmation instruction is determined to be fake, an error prompt may be fed back to the target client.

In some embodiments, upon determining that the target credential file has been verified, the cloud server may invoke the flow simulation robot to initiate a validation operation in the business system. Accordingly, the business system may generate and send a corresponding authorization credential to the transaction system in response to the confirmation operation. After the transaction system obtains the authorization certificate, the cloud server can normally call the transaction system to respond to the target transaction request to perform specific transaction data processing.

In some embodiments, referring to fig. 4, the invoking transaction system responds to the target transaction request, and performs corresponding transaction data processing according to the key element information of the target credential document, and the specific implementation may include the following contents:

s1: calling a transaction system to respond to the target transaction request, and generating a corresponding target payment order according to the key element information of the target voucher file;

s2: determining a matched payment account of a target institution authorization transaction platform agent according to the key element information of the target voucher file;

s3: and calling the resource data of the payment account to settle the target payment order.

Based on the embodiment, the cloud server can automatically and efficiently respond to the target transaction request by calling the transaction system to complete corresponding transaction data processing.

In some embodiments, before invoking the resource data of the payment account to settle the target payment order, the method may be further implemented by: and carrying out information verification on the target payment order according to the target image.

Specifically, the cloud server may perform information verification on the target payment order by using the target image and the key element information to determine whether related information in the target payment order is accurate. And under the condition that the information is confirmed to pass the verification, calling the resource data of the payment account to carry out settlement processing on the target payment order. In contrast, in the case where it is determined that the information verification fails, the target payment order is modified, or the target payment order is regenerated.

Based on the embodiment, the data error in the target payment order can be effectively reduced by carrying out information verification on the target payment order, so that the corresponding transaction data processing can be accurately completed in the following process.

In some embodiments, after invoking the resource data of the payment account to perform settlement processing on the target payment order, when the method is implemented, the method may further include: generating a target transaction processing result; and sending the target transaction processing result to a target client according to a 5G transmission protocol.

Based on the embodiment, the cloud server can efficiently and stably transmit the target transaction processing result to the target user through the 5G transmission protocol, so that the waiting time of the target user is shortened, and the interaction experience of the target user is improved.

In specific implementation, the target transaction processing result can be sent to the business system together so that the business system can record and archive the target transaction processing result.

In some embodiments, the target transaction request may be specifically sent by the target client to the cloud server according to a 5G transmission protocol.

Based on the above embodiment, the target client can efficiently and stably send the target transaction request to the cloud server for corresponding processing through the 5G transport protocol.

In some embodiments, after receiving the target transaction request, the target image and the target identity credential carried by the target transaction request may be stored in the blockchain for evidence storage. Meanwhile, in the subsequent data processing process, related processing records (for example, operation processing records in a business system, operation records of a calling transaction system, and the like) and intermediate data (for example, key element information, identity characteristic information of a target user, a target transaction processing result, and the like) can also be stored in the block chain.

When subsequent needs are needed (for example, a target mechanism initiates a backtracking check request or a target user asks for a question for a target transaction result), the cloud server can acquire a target image, a target identity certificate, a processing record and intermediate data in the processing process through the query block chain; and reproducing a complete transaction data processing process according to the data backtracking; and then, according to the reproduced transaction data processing process, problems existing in the transaction data processing process can be identified and analyzed, and a target analysis report aiming at the transaction data processing process is obtained.

As can be seen from the above, based on the transaction data processing method provided in the embodiments of the present specification, the cloud server of the transaction platform may respectively interface the business system of the target institution and the transaction system of the transaction platform; and the target institution has previously committed and authorized the transaction platform to conduct the proxy financial payment transaction. A target user holding a target credential file issued by a target organization can directly initiate a target transaction request to a cloud server on line through a target client; the target transaction request at least carries a target image containing a target certificate file and a target identity certificate of a target user; the cloud server of the transaction platform can receive and respond to the target transaction request, and preprocess the target image and the target identity certificate to acquire key element information of the target certificate file and identity characteristic information of a target user; under the condition that the target user identity authentication is determined to pass, logging in a service system according to a preset processing rule; verifying the target certificate file by using key element information of the target certificate file through a service system; and under the condition that the target voucher file is confirmed to pass the verification, calling a transaction system to respond to the target transaction request, and performing corresponding transaction data processing according to the key element information of the target voucher file. Therefore, the transaction platform can better act on the target mechanism to safely and efficiently automatically complete the related transaction data processing, effectively simplify the operation of the user side, improve the overall processing efficiency and improve the user experience.

Embodiments of the present specification further provide a server, including a processor and a memory for storing processor-executable instructions, where the processor, when implemented specifically, may perform the following steps according to the instructions: receiving a target transaction request initiated by a target user through a target client; the target transaction request at least carries a target image and a target identity certificate of a target user; the target image comprises a target certificate file provided by a target mechanism to a target user; preprocessing the target image and the target identity certificate to acquire key element information of a target certificate file and identity characteristic information of a target user; according to the identity characteristic information of the target user, performing identity verification on the target user; under the condition that the target user identity authentication is determined to pass, logging in a service system according to a preset processing rule; verifying the target certificate file by using the key element information of the target certificate file through the service system; and under the condition that the target voucher file is confirmed to pass the verification, calling a transaction system to respond to the target transaction request, and performing corresponding transaction data processing according to the key element information of the target voucher file.

In order to more accurately complete the above instructions, referring to fig. 5, another specific server is provided in the embodiments of the present specification, wherein the server includes a network communication port 501, a processor 502 and a memory 503, and the above structures are connected by an internal cable, so that the structures can perform specific data interaction.

The network communication port 501 may be specifically configured to receive a target transaction request initiated by a target user through a target client; the target transaction request at least carries a target image and a target identity certificate of a target user; the target image contains a target credential file that the target institution provides to the target user.

The processor 502 may be specifically configured to pre-process the target image and the target identity credential to obtain key element information of the target credential file and identity characteristic information of the target user; according to the identity characteristic information of the target user, performing identity verification on the target user; under the condition that the target user identity authentication is determined to pass, logging in a service system according to a preset processing rule; verifying the target certificate file by using the key element information of the target certificate file through the service system; and under the condition that the target voucher file is confirmed to pass the verification, calling a transaction system to respond to the target transaction request, and performing corresponding transaction data processing according to the key element information of the target voucher file.

The memory 503 may be specifically configured to store a corresponding instruction program.

In this embodiment, the network communication port 501 may be a virtual port that is bound to different communication protocols, so that different data can be sent or received. For example, the network communication port may be a port responsible for web data communication, a port responsible for FTP data communication, or a port responsible for mail data communication. In addition, the network communication port can also be a communication interface or a communication chip of an entity. For example, it may be a wireless mobile network communication chip, such as GSM, CDMA, etc.; it can also be a Wifi chip; it may also be a bluetooth chip.

In this embodiment, the processor 502 may be implemented in any suitable manner. For example, the processor may take the form of, for example, a microprocessor or processor and a computer-readable medium that stores computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, an embedded microcontroller, and so forth. The description is not intended to be limiting.

In this embodiment, the memory 503 may include multiple layers, and in a digital system, the memory may be any memory as long as it can store binary data; in an integrated circuit, a circuit without a physical form and with a storage function is also called a memory, such as a RAM, a FIFO and the like; in the system, the storage device in physical form is also called a memory, such as a memory bank, a TF card and the like.

The present specification further provides a computer-readable storage medium based on the above transaction data processing method, where the computer-readable storage medium stores computer program instructions, and when the computer program instructions are executed, the computer program instructions implement: receiving a target transaction request initiated by a target user through a target client; the target transaction request at least carries a target image and a target identity certificate of a target user; the target image comprises a target certificate file provided by a target mechanism to a target user; preprocessing the target image and the target identity certificate to acquire key element information of a target certificate file and identity characteristic information of a target user; according to the identity characteristic information of the target user, performing identity verification on the target user; under the condition that the target user identity authentication is determined to pass, logging in a service system according to a preset processing rule; verifying the target certificate file by using the key element information of the target certificate file through the service system; and under the condition that the target voucher file is confirmed to pass the verification, calling a transaction system to respond to the target transaction request, and performing corresponding transaction data processing according to the key element information of the target voucher file.

In this embodiment, the storage medium includes, but is not limited to, a Random Access Memory (RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard Disk Drive (HDD), or a Memory Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set in accordance with a standard prescribed by a communication protocol.

In this embodiment, the functions and effects specifically realized by the program instructions stored in the computer-readable storage medium can be explained in comparison with other embodiments, and are not described herein again.

Referring to fig. 6, in a software level, an embodiment of the present specification further provides a transaction data processing apparatus, which may specifically include the following structural modules:

the receiving module 601 may be specifically configured to receive a target transaction request initiated by a target user through a target client; the target transaction request at least carries a target image and a target identity certificate of a target user; the target image comprises a target certificate file provided by a target mechanism to a target user;

the preprocessing module 602 is specifically configured to preprocess the target image and the target identity document to obtain key element information of the target credential document and identity feature information of the target user;

the verification module 603 is specifically configured to perform identity verification on the target user according to the identity feature information of the target user;

the verification module 604 is specifically configured to log in the service system according to a preset processing rule when it is determined that the target user passes the authentication; verifying the target certificate file by using the key element information of the target certificate file through the service system;

the processing module 605 is specifically configured to, under the condition that the target credential document is determined to pass the verification, invoke the transaction system to respond to the target transaction request, and perform corresponding transaction data processing according to the key element information of the target credential document.

In some embodiments, the target credential file may contain at least a validation identifier.

In some embodiments, before preprocessing the target image and the target identity certificate to obtain key element information of the target certificate file and identity feature information of the target user, the apparatus may be further configured to detect whether a verification identifier exists in the target image when the apparatus is implemented; under the condition that a verification identifier exists in a target image, detecting whether the verification identifier meets the requirement or not; and feeding back an error report prompt to the target client under the condition that the verification target image does not have the verification identifier or the verification identifier does not meet the requirement.

In some embodiments, the target credential file may further include a region identifier and the like.

In some embodiments, when the preprocessing module 602 is implemented, the target image may be preprocessed in the following manner: detecting and extracting a region identifier from the target image to be used as a target region identifier; according to the target area identification, determining a matched preset image processing model from a plurality of preset image processing models as a target image processing model; and processing the target image by using the target image processing model to acquire key element information of the target voucher file.

In some embodiments, the key element information may specifically include at least one of: a credential number, a user identification of the payee, an account number of the collection account, a user identification of the payer, an account number of the payment account, resource data, usage, and the like.

In some embodiments, when the verification module 604 is implemented, the business system may be logged in the following manner according to a preset processing rule: calling a flow simulation robot to log in a service system by using a specified account; and the specified account corresponds to the identification information of the cloud server.

In some embodiments, when the verification module 604 is implemented, the target credential file may be verified by the service system according to the following manner and using the key element information of the target credential file: inquiring file records of a service system according to the certificate number of the target certificate file to determine whether system records of the target certificate file exist or not; in the case that the system record of the target certificate file is determined to exist, detecting whether a confirmation instruction for the target certificate file exists; under the condition that a confirmation instruction aiming at the target certificate file is determined to exist, comparing key element information of the target certificate file according to a system record of the target certificate file to obtain a comparison result; and determining whether the target certificate file passes the verification according to the comparison result.

In some embodiments, when the processing module 605 is implemented, the transaction system may be invoked to respond to the target transaction request in the following manner, and perform corresponding transaction data processing according to the key element information of the target credential document: calling a transaction system to respond to the target transaction request, and generating a corresponding target payment order according to the key element information of the target voucher file; determining a matched payment account of a target institution authorized transaction platform agent according to the key element information of the target voucher file; and calling the resource data of the payment account to settle the target payment order.

In some embodiments, before invoking the resource data of the payment account to perform settlement processing on the target payment order, the apparatus may be further configured to perform information verification on the target payment order according to the target image when the apparatus is implemented.

In some embodiments, the device may be further configured to generate a target transaction processing result when implemented after invoking the resource data of the payment account to perform settlement processing on the target payment order; and sending the target transaction processing result to a target client according to a 5G transmission protocol.

In some embodiments, the target transaction request may be specifically sent by the target client to the cloud server according to a 5G transport protocol.

It should be noted that, the units, devices, modules, etc. illustrated in the above embodiments may be implemented by a computer chip or an entity, or implemented by a product with certain functions. For convenience of description, the above devices are described as being divided into various modules by functions, which are described separately. It is to be understood that, in implementing the present specification, functions of each module may be implemented in one or more pieces of software and/or hardware, or a module that implements the same function may be implemented by a combination of a plurality of sub-modules or sub-units, or the like. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

Therefore, based on the transaction data processing device provided by the embodiment of the specification, the transaction platform can better proxy the target mechanism to safely and efficiently automatically complete the related transaction data processing, the operation of the user side is effectively simplified, the overall processing efficiency is improved, and the user experience is improved.

Although the present specification provides method steps as described in the examples or flowcharts, additional or fewer steps may be included based on conventional or non-inventive approaches. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of sequences, and does not represent a unique order of performance. When implemented in practice, an apparatus or client product may execute sequentially or in parallel (e.g., in a parallel processor or multithreaded processing environment, or even in a distributed data processing environment) in accordance with the embodiments or methods depicted in the figures. 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, the presence of additional identical or equivalent elements in a process, method, article, or apparatus that comprises the recited elements is not excluded. The terms first, second, etc. are used to denote names, but not any particular order.

Those skilled in the art will also appreciate that, in addition to implementing the controller in purely computer readable program code means, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may therefore be considered as a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, classes, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer-readable storage media including memory storage devices.

From the above description of the embodiments, it is clear to those skilled in the art that the present specification can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions in this specification may be essentially embodied 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., and includes several instructions for enabling a computer device (which may be a personal computer, a mobile terminal, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments in this specification.

The embodiments in the present specification are described in a progressive manner, and the same or similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. The description is operational with numerous general purpose or special purpose computing system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet-type devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.

While the specification has been described with examples, those skilled in the art will appreciate that there are numerous variations and permutations of the specification without departing from the spirit of the specification, and it is intended that the appended claims encompass such variations and modifications without departing from the spirit of the specification.

Claims

1. The transaction data processing method is characterized by being applied to a cloud server of a transaction platform, wherein the cloud server is respectively connected with a business system of a target organization and the transaction system of the transaction platform, and the method comprises the following steps:

2. The method of claim 1, wherein the target credential file contains at least an authentication identifier.

3. The method of claim 2, wherein before preprocessing the target image and the target identity document to obtain key element information of the target document and identity characteristic information of the target user, the method further comprises:

detecting whether a verification identifier exists in a target image;

under the condition that a verification identifier exists in a target image, detecting whether the verification identifier meets the requirement or not;

and feeding back an error prompt to the target client under the condition that the verification target image does not have the verification identifier or the verification identifier does not meet the requirement.

4. The method of claim 1, wherein the target credential file further comprises an area identification.

5. The method of claim 4, wherein preprocessing the target image comprises:

and processing the target image by using the target image processing model to acquire key element information of the target voucher file.

6. The method of claim 1, wherein the key element information comprises at least one of: the voucher number, the user identification of the payee, the account number of the collection account, the user identification of the payer, the account number of the payment account, the resource data and the purpose.

7. The method of claim 6, wherein logging in the business system according to the preset processing rule comprises:

calling a process simulation robot to log in a service system by using a specified account; and the specified account corresponds to the identification information of the cloud server.

8. The method according to claim 7, wherein the verifying the target certificate document by the service system using the key element information of the target certificate document comprises:

and determining whether the target certificate file passes the verification or not according to the comparison result.

9. The method of claim 1, wherein the step of invoking the transaction system to respond to the target transaction request and perform corresponding transaction data processing according to the key element information of the target voucher document comprises:

10. The method of claim 9, wherein prior to invoking the resource data of the payment account to settle the target payment order, the method further comprises:

11. The method of claim 9, wherein after invoking the resource data of the payment account to settle the target payment order, the method further comprises:

generating a target transaction processing result;

12. The method of claim 1, wherein the target transaction request is sent by a target client to a cloud server according to a 5G transport protocol.

13. The transaction data processing device is characterized by being applied to a cloud server of a transaction platform, wherein the cloud server is respectively connected with a business system of a target organization and the transaction system of the transaction platform, and the device comprises:

14. A server comprising a processor and a memory for storing processor-executable instructions which, when executed by the processor, implement the steps of the method of any one of claims 1 to 12.

15. A computer-readable storage medium having stored thereon computer instructions which, when executed by a processor, carry out the steps of the method of any one of claims 1 to 12.