阅读说明：本技术 交易处理方法及装置 (Transaction processing method and device ) 是由 李宁馨 于 2021-09-27 设计创作，主要内容包括：本发明公开了一种交易处理方法及装置,涉及金融技术领域；其中该方法包括：接收第一用户提交的交易请求；交易请求中携带有第一用户的交易类型、第一用户的身份标识；在根据交易类型确定交易需要二次确认时,根据第一用户的身份标识向第一用户预先设置的第二用户发送交易确认信息；第二用户对第一用户有监管权；在接收到第二用户根据交易确认信息反馈的：同意购买指令后,将第一用户提交的交易请求发送给后台系统进行交易；接收后台系统反馈的交易结果,向第一用户、以及第二用户发送交易结果。本发明可以通过对第一用户有监管权的第二用户对该第一用户提交的交易请求二次确认,帮助第一用户理性交易,保护用户财产安全,提升用户体验度。(The invention discloses a transaction processing method and a device, relating to the technical field of finance; wherein the method comprises the following steps: receiving a transaction request submitted by a first user; the transaction request carries the transaction type of the first user and the identity of the first user; when the transaction needs secondary confirmation according to the transaction type, sending transaction confirmation information to a second user preset by a first user according to the identity of the first user; the second user has supervision right on the first user; after receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction; and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user. According to the invention, the second user who has the supervision right on the first user can confirm the transaction request submitted by the first user for the second time, so that the first user is helped to conduct physical transaction, the property safety of the user is protected, and the user experience degree is improved.)

1. A transaction processing method, comprising:

receiving a transaction request submitted by a first user; the transaction request carries a transaction type of the first user and an identity of the first user;

when the transaction needs secondary confirmation according to the transaction type, sending transaction confirmation information to a second user preset by a first user according to the identity of the first user; wherein the second user has supervision right on the first user;

after receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction;

and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user.

2. The transaction-processing method of claim 1, wherein prior to receiving the transaction request submitted by the first user, further comprising:

receiving a supervision user setting request submitted by a first user; wherein, the supervising user setting request carries the identity of the second user;

setting a supervision relation of a second user to a first user according to the identity of the second user;

when the transaction needs secondary confirmation according to the transaction type, sending transaction confirmation information to a second user preset by a first user according to the identity of the first user, wherein the transaction confirmation information comprises the following steps:

determining the identity of a second user corresponding to the first user according to the identity of the first user and the supervision relation of the second user on the first user;

and sending the transaction confirmation information to the second user according to the identity of the second user.

3. The transaction-processing method of claim 1, after receiving the transaction request submitted by the first user, further comprising:

and determining the transaction risk according to the transaction type and the identity of the first user, and determining whether the transaction needs secondary confirmation according to the transaction risk.

4. The transaction processing method of claim 3, wherein determining a transaction risk based on the transaction type and the identity of the first user, and determining whether the transaction requires secondary confirmation based on the transaction risk comprises:

acquiring the deduction amount of the first user transaction according to the identity of the first user;

and when the deduction amount is not less than the preset threshold value, determining that the transaction has risks and needs secondary confirmation.

5. The transaction processing method of claim 1, wherein when it is determined that the transaction requires secondary confirmation according to the transaction type, after the transaction confirmation information is sent to a second user preset by the first user according to the identity of the first user, further comprising:

when the purchase approval instruction fed back by the second user is not received within the preset time length, or the purchase approval instruction fed back by the second user is received: and when the purchase instruction is not agreed, sending feedback information of transaction failure to the first user and the second user.

6. The transaction-processing method of claim 1, after receiving the transaction request submitted by the first user, further comprising:

when determining that the transaction does not need secondary confirmation according to the transaction type, sending a transaction request submitted by a first user to a background system for transaction;

and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user.

7. A transaction processing device, comprising:

the receiving module is used for receiving a transaction request submitted by a first user; the transaction request carries a transaction type of the first user and an identity of the first user;

the sending module is used for sending transaction confirmation information to a second user preset by the first user according to the identity of the first user when the transaction needs secondary confirmation according to the transaction type; wherein the second user has supervision right on the first user;

the first processing module is used for receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction;

and the second processing module is used for receiving the transaction result fed back by the background system and sending the transaction result to the first user and the second user.

8. The transaction-processing device of claim 7, further comprising: the third processing module is used for receiving a supervision user setting request submitted by the first user; wherein, the supervising user setting request carries the identity of the second user; setting a supervision relation of a second user to a first user according to the identity of the second user;

the sending module is specifically used for determining the identity of a second user corresponding to a first user according to the identity of the first user and the supervision relationship of the second user on the first user; and sending the transaction confirmation information to the second user according to the identity of the second user.

9. The transaction-processing device of claim 7, further comprising: and the fourth processing module is used for determining the transaction risk according to the transaction type and the identity of the first user and determining whether the transaction needs secondary confirmation according to the transaction risk.

10. The transaction processing apparatus of claim 9, wherein the fourth processing module is specifically configured to obtain a deduction amount of the transaction of the first user according to the identity of the first user;

and when the deduction amount is not less than the preset threshold value, determining that the transaction has risks and needs secondary confirmation.

11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 6 when executing the computer program.

12. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 6.

Technical Field

The invention relates to the technical field of finance, in particular to a transaction processing method and device.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

At present, when old people and some crowds with low identification ability deal with some transactions involving money at banks, reasonable evaluation cannot be made on risks and profits to cause impulse transactions, so that property loss is caused.

Disclosure of Invention

The embodiment of the invention provides a transaction processing method, which is used for carrying out secondary confirmation when a user carries out transaction, helping the user to carry out rational transaction, protecting the property safety of the user and improving the user experience degree, and comprises the following steps:

receiving a transaction request submitted by a first user; the transaction request carries a transaction type of the first user and an identity of the first user;

when the transaction needs secondary confirmation according to the transaction type, sending transaction confirmation information to a second user preset by a first user according to the identity of the first user; wherein the second user has supervision right on the first user;

after receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction;

and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user.

The embodiment of the present invention further provides a transaction processing device, which is used for performing secondary confirmation during user transaction, helping user to perform rational transaction, protecting user property safety, and improving user experience, and the device includes:

the receiving module is used for receiving a transaction request submitted by a first user; the transaction request carries a transaction type of the first user and an identity of the first user;

the sending module is used for sending transaction confirmation information to a second user preset by the first user according to the identity of the first user when the transaction needs secondary confirmation according to the transaction type; wherein the second user has supervision right on the first user;

the first processing module is used for receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction;

and the second processing module is used for receiving the transaction result fed back by the background system and sending the transaction result to the first user and the second user.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the transaction processing method when executing the computer program.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above transaction processing method is stored in the computer-readable storage medium.

In the embodiment of the invention, a transaction request submitted by a first user is received; the transaction request carries a transaction type of the first user and an identity of the first user; when the transaction needs secondary confirmation according to the transaction type, sending transaction confirmation information to a second user preset by a first user according to the identity of the first user; wherein the second user has supervision right on the first user; after receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction; and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user. Therefore, when the first user conducts transaction, the second user who has the supervision right on the first user confirms the transaction request submitted by the first user for the second time, the first user is helped to conduct physical transaction, the property safety of the user is protected, and the user experience degree is improved.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

FIG. 1 is a flow chart of a transaction processing method provided in an embodiment of the present invention;

fig. 2 is a flowchart of a method for setting a second user corresponding to a first user according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of a transaction processing device according to an embodiment of the invention;

FIG. 4 is a schematic diagram of another transaction processing device provided in an embodiment of the invention;

FIG. 5 is a schematic diagram of yet another transaction processing device provided in an embodiment of the invention;

fig. 6 is a schematic diagram of a computer device provided in an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.

In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.

Research shows that when the old and people with low identification ability deal with money in banks, reasonable evaluation on risks and gains cannot be carried out, so that impulse transaction is caused, and property loss is caused.

In view of the above research, an embodiment of the present invention provides a transaction processing method, as shown in fig. 1, including:

s101: receiving a transaction request submitted by a first user; the transaction request carries a transaction type of the first user and an identity of the first user;

s102: when the transaction needs secondary confirmation according to the transaction type, sending transaction confirmation information to a second user preset by a first user according to the identity of the first user; wherein the second user has supervision right on the first user;

s103: after receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction;

s104: and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user.

In the embodiment of the invention, a transaction request submitted by a first user is received; the transaction request carries a transaction type of the first user and an identity of the first user; when the transaction needs secondary confirmation according to the transaction type, sending transaction confirmation information to a second user preset by a first user according to the identity of the first user; wherein the second user has supervision right on the first user; after receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction; and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user. Therefore, when the first user conducts transaction, the second user who has the supervision right on the first user confirms the transaction request submitted by the first user for the second time, the first user is helped to conduct physical transaction, the property safety of the user is protected, and the user experience degree is improved.

The following describes the details of S101 to S104.

For the above S101, the transaction request includes, for example: financial product purchase request, transfer request, payment request and the like.

The transaction request carries a transaction type of the first user and an identity of the first user; here, the transaction types include, for example: purchasing financing products, transferring accounts, paying fees, etc.

In order to further improve the transaction efficiency of the first user and avoid wasting the time experience of the second user, in an embodiment of the present invention, after receiving a transaction request submitted by the first user, the transaction risk is determined according to the transaction type and the identity of the first user, and whether the transaction needs secondary confirmation is determined according to the transaction risk.

Specifically, for example, the following method may be adopted to determine the transaction risk according to the transaction type and the identity of the first user: determining whether the transaction needs secondary confirmation according to the transaction risk: acquiring the deduction amount of the first user transaction according to the identity of the first user; and when the deduction amount is not less than the preset threshold value, determining that the transaction has risks and needs secondary confirmation.

For example, if the transaction type is transfer, the first user is a transfer party, and the amount transferred by the first user is not less than a preset threshold, it is proved that the amount involved in the transfer is large, the risk is high, and secondary confirmation is required.

In addition, when the deduction amount is smaller than the preset threshold value, the transaction is determined to have no risk and does not need secondary confirmation.

In addition, for example, the following method may be adopted to determine the transaction risk according to the transaction type and the identity of the first user, and determine whether the transaction needs secondary confirmation according to the transaction risk: setting the risk level of each transaction condition in the transaction type in advance aiming at the transaction type (such as purchasing financing products) which can be subjected to risk assessment in advance; and when the risk level of the transaction condition corresponding to the transaction type contained in the transaction request exceeds a preset risk level threshold, determining that the transaction has risk and needs secondary confirmation.

Illustratively, the risk of some financial products is known before the user submits the transaction request, and the risk level of each financial product is determined according to the risk of the financial product; if the transaction request submitted by the first user is a financial product purchase request, determining whether the financial product purchase request of the user needs secondary confirmation according to the risk level of the financial product to be purchased by the first user and a preset risk level threshold, and determining that the financial product is purchased with risk and the financial product purchase request needs secondary confirmation when the risk level of the financial product to be purchased by the first user exceeds the preset risk level threshold.

In addition, when the risk level of the transaction condition corresponding to the transaction type contained in the transaction request does not exceed the preset risk level threshold, the transaction is determined to have no risk and does not need secondary confirmation.

The method comprises the following steps: when it is determined that the transaction requires secondary confirmation, the above S102 to S103 are executed.

As to S102, the second user has a monitoring right to the first user, for example, the first user is an elderly person with low judgment, and the second user is an adult and a child of the elderly person with low judgment, or other guardians with monitoring right; or the first user is a minor, the second user is a parent of a minor, or other guardian with monitoring, etc.

In addition, a second user corresponding to the first user is preset before the first user submits the transaction request, as shown in fig. 2, a flowchart of a method for setting the second user corresponding to the first user provided by the embodiment of the present invention includes:

s201: receiving a supervision user setting request submitted by a first user; wherein, the supervising user setting request carries the identity of the second user;

s202: and setting the supervision relation of the second user to the first user according to the identity of the second user.

Therefore, when sending the transaction confirmation information to the second user preset by the first user according to the identity of the first user, for example, the following method may be adopted: determining the identity of a second user corresponding to the first user according to the identity of the first user and the supervision relation of the second user on the first user; and sending the transaction confirmation information to the second user according to the identity of the second user.

In relation to the above S103 to S104, upon receiving the feedback from the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction; and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user.

In addition, in another embodiment of the present invention, when the purchase approval instruction fed back by the second user is not received within the preset time period, or the second user feedback is received: and when the purchase instruction is not agreed, sending feedback information of transaction failure to the first user and the second user.

Further, two: when determining that the transaction does not need secondary confirmation, sending a transaction request submitted by a first user to a background system for transaction; and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user.

Embodiments of the present invention further provide a transaction processing apparatus, as described in the following embodiments. Because the principle of the device for solving the problems is similar to the transaction processing method, the implementation of the device can be referred to the implementation of the transaction processing method, and repeated details are not repeated.

As shown in fig. 3, a schematic diagram of a transaction processing apparatus according to an embodiment of the present invention includes: a receiving module 301, a transmitting module 302, a first processing module 303, and a second processing module 304; wherein the content of the first and second substances,

a receiving module 301, configured to receive a transaction request submitted by a first user; the transaction request carries a transaction type of the first user and an identity of the first user;

a sending module 302, configured to send transaction confirmation information to a second user preset by a first user according to an identity of the first user when it is determined that a transaction needs secondary confirmation according to a transaction type; wherein the second user has supervision right on the first user;

the first processing module 303 is configured to, after receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction;

the second processing module 304 is configured to receive the transaction result fed back by the background system, and send the transaction result to the first user and the second user.

In an embodiment of the present invention, as shown in fig. 4, the transaction processing apparatus further includes: a third processing module 305, configured to receive a supervising user setting request submitted by a first user; wherein, the supervising user setting request carries the identity of the second user; setting a supervision relation of a second user to a first user according to the identity of the second user; a sending module 302, configured to determine, according to the identity of the first user and the supervision relationship of the second user to the first user, an identity of a second user corresponding to the first user; and sending the transaction confirmation information to the second user according to the identity of the second user.

In an embodiment of the present invention, as shown in fig. 5, the transaction processing apparatus further includes: and the fourth processing module 306 is configured to determine a transaction risk according to the transaction type and the identity of the first user, and determine whether the transaction needs secondary confirmation according to the transaction risk.

In a possible implementation manner, the fourth processing module 306 is specifically configured to obtain a deduction amount of the first user transaction according to the identity of the first user; and when the deduction amount is not less than the preset threshold value, determining that the transaction has risks and needs secondary confirmation.

In a possible implementation manner, the first processing module 303 is further configured to, when the consent purchase instruction fed back by the second user is not received within a preset time period, or when the consent purchase instruction fed back by the second user is received: and when the purchase instruction is not agreed, sending feedback information of transaction failure to the first user and the second user.

In a possible implementation manner, the first processing module 303 is further configured to send a transaction request submitted by the first user to the background system for transaction when it is determined that the transaction does not require secondary confirmation according to the transaction type; the second processing module 304 is further configured to receive the transaction result fed back by the background system, and send the transaction result to the first user and the second user.

Based on the aforementioned inventive concept, as shown in fig. 6, the present invention further provides a computer device 600, which includes a memory 610, a processor 620 and a computer program 630 stored on the memory 610 and operable on the processor 620, wherein the processor 620 executes the computer program 630 to implement the aforementioned transaction processing method.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above transaction processing method is stored in the computer-readable storage medium.

In the embodiment of the invention, a transaction request submitted by a first user is received; the transaction request carries a transaction type of the first user and an identity of the first user; when the transaction needs secondary confirmation according to the transaction type, sending transaction confirmation information to a second user preset by a first user according to the identity of the first user; wherein the second user has supervision right on the first user; after receiving the feedback of the second user according to the transaction confirmation information: after the purchase instruction is agreed, sending a transaction request submitted by the first user to a background system for transaction; and receiving the transaction result fed back by the background system, and sending the transaction result to the first user and the second user. Therefore, when the first user conducts transaction, the second user who has the supervision right on the first user confirms the transaction request submitted by the first user for the second time, the first user is helped to conduct physical transaction, the property safety of the user is protected, and the user experience degree is improved.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.