CN112053227B - Information processing method, information processing device, second electronic equipment and storage medium - Google Patents
Information processing method, information processing device, second electronic equipment and storage medium Download PDFInfo
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Abstract
In the information processing method, the device, the second electronic equipment and the storage medium provided by the embodiment of the application, if the transaction request with the target card number of the credit card sent by the first electronic equipment is received, the first difference information corresponding to the target card number is obtained, and the first difference information is sent to the first electronic equipment so as to be convenient for a user to confirm. And comparing the first difference information with second difference information which is displayed by the first electronic equipment and is correct by a user. If the first difference information is the same as the second difference information, generating a change instruction to instruct the first server to change the first attribute information into the second attribute information, and executing a transaction request after the data update is completed, namely if the user information is not updated when the credit card is used, updating the user information in the process of using the credit card, and after the updating is successful, completing the transaction by the credit card, thereby solving the problem that the transaction cannot be completed when the user information corresponding to the credit card is not updated.
Description
Technical Field
The present application relates to computer technology, and more particularly, to an information processing method, apparatus, second electronic device, and storage medium.
Background
Credit cards are a type of credit card that uses a cashless transaction to pay. The cardholder does not need to pay cash when holding the credit card for consumption, and pays again after the payment date.
Currently, in order to meet the relevant requirements of the regulatory authorities about real-name management of personal bank accounts, each big bank needs to update the user information corresponding to the credit card periodically, for example, the user information may include one or more of name, gender, native, occupation, contact phone, contact address, identity document type, identity document number, identity document validity period, and the like. It will be appreciated that user information may change, for example, occupation, contact phone, contact address may change, so periodic updating of user information corresponding to the credit card is necessary.
If the user holds the credit card to conduct the transaction, the user information corresponding to the credit card is not updated, and the situation that the transaction cannot be completed can occur.
Disclosure of Invention
In view of the above, the present application provides an information processing method, apparatus, second electronic device, and storage medium, so as to solve the problem that when user information corresponding to a credit card is not updated, a transaction cannot be completed.
The application provides the following technical scheme:
an information processing method, comprising:
receiving a transaction request sent by first electronic equipment, wherein the transaction request carries a target card number of a credit card;
acquiring first difference information corresponding to the target card number, wherein the first difference information comprises first attribute information and second attribute information with differences, the first attribute information is user identity information corresponding to the target card number stored in a first server, and the second attribute information is attribute information corresponding to the user identity information and having the same field as the first attribute information and stored in a second server;
generating a confirmation instruction based on the first difference information, wherein the confirmation instruction carries the first difference information;
transmitting the confirmation instruction to the first electronic equipment;
receiving confirmation information fed back by the first electronic equipment in response to the confirmation instruction, wherein the confirmation information carries second difference information which is displayed by the first electronic equipment and is confirmed to be correct by a user;
if the first difference information is the same as the second difference information, generating a change instruction, wherein the change instruction is used for indicating the first attribute information stored in the first server to be changed into the second attribute information;
Sending the change instruction to the first server;
and if the first attribute information corresponding to the user identity information is successfully changed into the feedback information of the second attribute information after the characterization sent by the first server is received, executing the transaction request.
Preferably, the method further comprises:
and if the first difference information is different from the second difference information, prohibiting the transaction request.
Preferably, the step of obtaining the first difference information corresponding to the target card number includes:
acquiring first information corresponding to user identity information corresponding to the target card number from the first server, wherein the first information comprises M fields and field values corresponding to the M fields respectively, the first information comprises the first attribute information, and the first attribute information at least comprises a first field in the M fields and a first field value of the first field;
acquiring second information corresponding to the user identity information from the second server, wherein the second information comprises the M fields and field values corresponding to the M fields respectively, the second information comprises the second attribute information, and the second attribute information at least comprises the first field and the second field value of the first field;
And comparing the first information with the second information to obtain the first difference information.
Preferably, the step of obtaining the first difference information corresponding to the target card number includes:
acquiring first information corresponding to user identity information corresponding to the target card number from the first server, wherein the first information comprises M fields and field values corresponding to the M fields respectively, the first information comprises the first attribute information and the user identity information, and the first attribute information at least comprises a first field in the M fields and a first field value of the first field;
transmitting the first information to a second server; the second server stores second information corresponding to the user identity information, the second information comprises M fields and field values corresponding to the M fields respectively, the second information comprises second attribute information, and the second attribute information at least comprises the first field and the second field value of the first field;
receiving the first difference information sent by the second server; the first difference information is obtained by comparing the first information with the second information by the second server.
Preferably, the step of obtaining the first difference information corresponding to the target card number includes:
acquiring user identity information corresponding to the target card number from the first server, and sending the user identity information to a second server;
acquiring second information corresponding to the user identity information from the second server, wherein the second information comprises the M fields and field values corresponding to the M fields respectively, the second information comprises the second attribute information, and the second attribute information at least comprises a first field in the M fields and a second field value of the first field;
transmitting the second information to a first server; the first server stores first information corresponding to the user identity information corresponding to the target card number, wherein the first information comprises the M fields and field values corresponding to the M fields respectively, the first information comprises the first attribute information, and the first attribute information at least comprises the first field and a second field value of the first field;
receiving first difference information sent by the first server; the first difference information is obtained by comparing the first information with the second information by the first server.
Preferably, the method further comprises:
acquiring a transaction identifier contained in the transaction request;
determining a risk level corresponding to the transaction identifier;
if the risk level is greater than or equal to a preset risk threshold, executing the first difference information corresponding to the acquired user identity information;
and if the risk level is smaller than the preset risk threshold, executing the transaction request.
Preferably, the method further comprises:
and if the first difference information is the same as the second difference information, storing the first difference information or the second difference information.
An information processing apparatus comprising:
the first receiving module is used for receiving a transaction request sent by the first electronic equipment, wherein the transaction request carries a target card number of a credit card;
the first acquisition module is used for acquiring first difference information corresponding to the target card number, wherein the first difference information comprises first attribute information and second attribute information with differences, the first attribute information is attribute information corresponding to user identity information corresponding to the target card number stored by a first server, and the second attribute information is attribute information corresponding to the user identity information and stored by a second server, and the attribute information has the same field as the first attribute information;
The first instruction generation module is used for generating a confirmation instruction based on the first difference information, wherein the confirmation instruction carries the first difference information;
the first sending module is used for sending the confirmation instruction to the first electronic equipment;
the second receiving module is used for receiving confirmation information fed back by the first electronic equipment in response to the confirmation instruction, wherein the confirmation information carries second difference information which is displayed by the first electronic equipment and is confirmed to be correct by a user;
the second instruction generating module is used for generating a change instruction if the first difference information is the same as the second difference information, wherein the change instruction is used for indicating the first attribute information stored in the first server to be changed into the second attribute information;
the second sending module is used for sending the change instruction to the first server;
and the first execution module is used for executing the transaction request if receiving feedback information which is sent by the first server and is used for successfully changing the first attribute information into the second attribute information.
A second electronic device, comprising:
a memory for storing a program;
a processor, configured to execute the program, where the program is specifically configured to:
Receiving a transaction request sent by first electronic equipment, wherein the transaction request carries a target card number of a credit card;
acquiring first difference information corresponding to the target card number, wherein the first difference information comprises first attribute information and second attribute information with differences, the first attribute information is user identity information corresponding to the target card number stored in a first server, and the second attribute information is attribute information corresponding to the user identity information and having the same field as the first attribute information and stored in a second server;
generating a confirmation instruction based on the first difference information, wherein the confirmation instruction carries the first difference information;
transmitting the confirmation instruction to the first electronic equipment;
receiving confirmation information fed back by the first electronic equipment in response to the confirmation instruction, wherein the confirmation information carries second difference information which is displayed by the first electronic equipment and is confirmed to be correct by a user;
if the first difference information is the same as the second difference information, generating a change instruction, wherein the change instruction is used for indicating the first attribute information stored in the first server to be changed into the second attribute information;
Sending the change instruction to the first server;
and if the first attribute information corresponding to the user identity information is successfully changed into the feedback information of the second attribute information after the characterization sent by the first server is received, executing the transaction request.
A readable storage medium having stored thereon a computer program which, when executed by a processor, implements the information processing method of any one of the claims.
As can be seen from the above technical solution, in the information processing method provided in the embodiment of the present application, if a transaction request carrying a target card number of a credit card sent by a first electronic device is received, first difference information corresponding to the target card number is obtained, and the first difference information is sent to the first electronic device, so that a user can confirm the first difference information. The first difference information at least comprises first attribute information and second attribute information with differences, wherein the first attribute information and the second attribute information have the same field and different field values. In the embodiment of the application, the first attribute information is stored in the first server, the second attribute information is stored in the second server, and the first server can be a server corresponding to the credit card system, and the second server is a server corresponding to the bank platform. In the process of transmitting the first difference information to the first electronic device, errors may or may not occur due to network environment factors, and it is assumed that the difference+difference information displayed in the first electronic device is the second difference information. If the first difference information is the same as the second difference information, generating a change instruction to instruct the first server to change the first attribute information corresponding to the target card number into the second attribute information, and executing the transaction request after the first server data is updated, namely if the user information is not updated when the credit card is used, updating the user information in the process of using the credit card, and after the updating is successful, completing the transaction by the credit card, thereby solving the problem that the transaction cannot be completed when the user information corresponding to the credit card is not updated.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present application, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic diagram of an application scenario of an information processing method according to an embodiment of the present application;
FIG. 2 is a flowchart of an implementation of an information processing method according to an embodiment of the present application;
FIG. 3 is a flowchart of an implementation manner of obtaining first difference information corresponding to user identity information according to an embodiment of the present application;
FIG. 4 is a flowchart of another implementation manner of obtaining first difference information corresponding to user identity information according to an embodiment of the present application;
FIG. 5 is a flowchart of another implementation manner of obtaining first difference information corresponding to user identity information according to an embodiment of the present application;
fig. 6 is a block diagram of an information processing apparatus according to an embodiment of the present application;
Fig. 7 is a block diagram of a second electronic device according to an embodiment of the present application.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The application provides an information processing method, an information processing device, a second electronic device and a storage medium, and before describing the technical scheme provided by the embodiment of the application in detail, the implementation environment related to the embodiment of the application is briefly described here.
Referring to fig. 1, an architecture diagram of an implementation environment is provided in an embodiment of the present application. The implementation environment comprises: a first electronic device 101, a first server 102, a second server 103, and a second electronic device 104.
By way of example, the first electronic device 101 may establish a connection and communicate with the second electronic device 104 over a wireless network; the second electronic device 104 may establish a connection and communicate with the first server 102 via a wireless network, and the second electronic device 104 may establish a connection and communicate with the second server 103 via a wireless network.
Illustratively, the first server 102 provided in the embodiment of the present application is a server in a credit card system, and the second server 103 is a server in a banking platform. The first server stores first information corresponding to user identity information corresponding to a target card number of the credit card, and the second server stores second information corresponding to the user identity information.
For example, the first electronic device 101 is bound with a credit card of a user, and the first electronic device 101 may be any electronic product that can perform man-machine interaction with the user through one or more modes of a keyboard, a touch pad, a touch screen, a voice interaction or a handwriting device, such as a mobile phone, a tablet computer, a palm computer, a wearable device, etc.
Illustratively, the first electronic device 101 has a client, and if the client is an application client (e.g., weChat, payment device), the first electronic device 101 may be installed with the client; if the client is a web page client, the first electronic device 101 may display the web page client through a browser.
Illustratively, the first electronic device 101 may be a credit card POS.
The first server 102 may be a server, a server cluster comprising a plurality of servers, or a cloud computing service center. The first server 104 may include a processor, memory, a network interface, and the like.
The second server 103 may be a server, a server cluster formed by a plurality of servers, or a cloud computing service center. The first server 104 may include a processor, memory, a network interface, and the like.
By way of example, the second electronic device 104 may be any electronic product that can interact with a user by one or more of a keyboard, a touchpad, a touch screen, a voice interaction, a handwriting device, etc., such as a mobile phone, a tablet computer, a palm top computer, a wearable device, etc.
The second electronic device 104 may be a server, a server cluster including a plurality of servers, or a cloud computing service center.
It should be noted that, since the security level of the first server is lower than that of the second server, in order to ensure the security of the data in the first server, the first server cannot directly obtain the user identity information from the first electronic device to update the first information stored in the first server, and generally the second electronic device 104 needs to obtain the second information corresponding to the user identity information from the second server to update the stored first information.
Currently, if the user holds the credit card to conduct a transaction, if the first information stored in the first server is not updated, the transaction cannot be completed.
The information processing method will be described below with reference to the drawings.
Referring to fig. 2, a flowchart of an implementation manner of an information processing method according to an embodiment of the present application is provided. The method may be applied to the second electronic device in fig. 1, and the method includes the following steps S201 to S208 in the implementation process.
Step S201: and receiving a transaction request sent by the first electronic equipment.
The transaction request carries at least a target card number of the credit card.
The transaction request may be, for example, a consumer transaction request or a presentation transaction request.
Step S202: and acquiring first difference information corresponding to the target card number.
The first difference information includes first attribute information and second attribute information having differences.
It can be understood that the first server stores first information corresponding to the user identity information corresponding to the target card number, and the second server stores second information corresponding to the user identity information.
Illustratively, the first information or the second information includes: one or more of name, gender, native place, occupation, contact phone, contact address, identity document type, identity document number, identity document expiration date.
It will be appreciated that some user information may change, such as one or more of profession, contact phone, contact address. There may occur a case where there is a difference in part of the user information between the first information and the second information. In the embodiment of the application, the difference user information of the first information and the second information is called first difference information, wherein the user information with the difference from the second information in the first information is called first attribute information, and the user information with the difference from the first information in the second information is called second attribute information.
By way of example, the representations in the first information and the second information may include a variety of forms, such as tables, linked lists. The embodiment of the application is not limited to the expression forms of the first information and the second information, and any expression form is within the protection scope of the embodiment of the application.
The first information and the second information are described below in tabular form. Wherein, table 1 is the first information and table 2 is the second information.
TABLE 1
TABLE 2
As can be seen from tables 1 and 2: the first information and the second information include 7 fields and field values corresponding to the 7 fields.
Comparing the table 1 and the table 2, it can be seen that the field values corresponding to the partial fields in the first information and the second information are the same, and if the field values corresponding to the names are all Zhang three. The field values to which the partial fields do not correspond are different, such as professional and contact phones.
In the first information, a field value corresponding to the occupation is a teacher, and a field value corresponding to the contact phone is 137×.
In the second information, the field value corresponding to the occupation is a public servicer, and the field value corresponding to the contact phone is 130×.
The first attribute information may thus be expressed as "occupation: teacher ", the second attribute information may be expressed as" occupation: a public officer. Accordingly, the first difference information may be represented as "occupation" as the first difference information: teacher→officer.
The first attribute information is attribute information corresponding to the user identity information stored in a first server, and the second attribute information is attribute information corresponding to the user identity information stored in a second server.
Step S203: a confirmation instruction is generated based on the first difference information.
The confirmation instruction carries the first difference information.
Step S204: and sending the confirmation instruction to the first electronic equipment.
Step S205: and receiving confirmation information fed back by the first electronic equipment in response to the confirmation instruction.
The confirmation information carries second difference information which is displayed by the first electronic equipment and is correct to the user.
In the process of transmitting the first difference information to the first electronic device, errors may occur or may not occur due to network environment factors, in the embodiment of the present application, the difference information displayed in the first electronic device is the second difference information,
it can be understood that if the first difference information is wrong in the process of being transmitted to the first electronic device, the first difference information is different from the second difference information, and if the first difference information is not wrong in the process of being transmitted to the first electronic device, the first difference information is identical to the second difference information.
Step S206: and if the first difference information is the same as the second difference information, generating a change instruction.
The change instruction is used for indicating the first attribute information stored in the first server to be changed into the second attribute information.
In order to avoid that the first difference information is wrong in the process of being transmitted to the first electronic device, the user mistakes the second difference information as the first difference information, so that the first difference information and the second difference information need to be compared. And if the first difference information is the same as the second difference information, generating a change instruction.
The first difference information and the second difference information are described below taking the first attribute information and the second attribute information as user occupation as examples.
For example, the first attribute information corresponding to the user identity information is "occupation: teacher ", the second attribute information corresponding to the user identity information is" occupation: a public officer.
Determining the first difference information based on the first attribute information and the second attribute information, the first difference information being "occupation: teacher→officer.
If transmission errors occur in the process of sending the first difference information to the first electronic device due to network environment factors, for example, the difference information displayed on the display interface of the first electronic device becomes "occupation: if the user clicks a confirmation key in the first electronic device by mistake, the front and rear asymmetry of the difference information is caused, in order to avoid the situation, second difference information displayed on a display interface of the first electronic device is received, the first difference information and the second difference information are compared, and if the first difference information is consistent with the second difference information, a change instruction is generated.
In an alternative embodiment, the information processing method further includes:
and if the first difference information is different from the second difference information, prohibiting the transaction request.
Step S207: and sending the change instruction to the first server.
The change instruction is used for indicating the first server to change the first attribute information into the second attribute information based on the first difference information.
Step S208: and if the feedback information which is transmitted by the first server and is characterized by being successfully changed from the first attribute information to the second attribute information is received, executing the transaction request.
In the information processing method provided by the embodiment of the application, if a transaction request with a target card number of a credit card sent by a first electronic device is received, first difference information corresponding to the target card number is obtained, and the first difference information is sent to the first electronic device so as to be convenient for a user to confirm. The first difference information at least comprises first attribute information and second attribute information with differences, wherein the first attribute information and the second attribute information have the same field and different field values. In the embodiment of the application, the first attribute information is stored in the first server, the second attribute information is stored in the second server, and the first server can be a server corresponding to the credit card system, and the second server is a server corresponding to the bank platform. In the process of transmitting the first difference information to the first electronic device, errors may or may not occur due to network environment factors, and assuming that the difference information displayed in the first electronic device is the second difference information, it can be understood that if the first difference information is in error in the process of transmitting the first difference information to the first electronic device, the first difference information is different from the second difference information, if the first difference information is not in error in the process of transmitting the first difference information to the first electronic device, the first difference information is the same as the second difference information, if a user confirms that the second difference information is correct in the first electronic device, in order to avoid that the first difference information is in error in the process of transmitting the first difference information to the first electronic device, the user mistakenly regards the second difference information as the first difference information, so that the first difference information and the second difference information need to be compared. If the first difference information is the same as the second difference information, generating a change instruction to instruct the first server to change the first attribute information corresponding to the target card number into the second attribute information, and executing the transaction request after the first server data is updated, namely if the user information is not updated when the credit card is used, updating the user information in the process of using the credit card, and after the updating is successful, completing the transaction by the credit card, thereby solving the problem that the transaction cannot be completed when the user information corresponding to the credit card is not updated.
In the embodiment of the present application, there are various ways of obtaining the first difference information corresponding to the user identity information, and the embodiment of the present application provides, but is not limited to, the following.
Referring to fig. 3, a flowchart of one implementation manner of obtaining first difference information corresponding to user identity information according to an embodiment of the present application is shown. The method may be applied to a second electronic device, the method comprising the following steps S301 to S303 in a real-time process.
Step S301: and acquiring first information corresponding to the user identity information corresponding to the target card number from the first server.
The first information comprises M fields and field values corresponding to the M fields respectively, the first information comprises the first attribute information, and the first attribute information at least comprises a first field in the M fields and a first field value of the first field.
Step S302: and acquiring second information corresponding to the user identity information from the second server.
The second information comprises the M fields and field values corresponding to the M fields respectively, the second information comprises the second attribute information, and the second attribute information at least comprises the first field and the second field value of the first field.
Illustratively, the M fields include: name, gender, native place, occupation, contact phone, contact address, identity document type, identity document number, identity document expiration date, and the like.
Correspondingly, the field values corresponding to the M fields comprise: zhang San, man, hebei, teacher, 137 XXX, hebei province XX, XX identity card, 130×, 10 years.
The first field included in the first attribute information may be one field of the M fields, or may be a plurality of fields of the M fields.
The first field included in the second attribute information may be one field of the M fields, or may be a plurality of fields of the M fields.
Illustratively, the first attribute information and the second attribute information include the same field, (first field), and the first field of the first attribute information and the first field of the second attribute information each correspond to a different field value. In this embodiment, a field value corresponding to a first field of the first attribute information is referred to as a first field value, and a field value corresponding to a first field of the second attribute information is referred to as a second field value.
For example, the first field is: the occupation, the field value corresponding to the first field of the first attribute information is: the teacher, the field value corresponding to the first field in the second attribute information is called a second field value: a public officer.
Step S303: and comparing the first information with the second information to obtain the first difference information.
The M fields include: the description of steps S301 to S302 will be given by taking the name, sex, native place and occupation as examples.
And acquiring first information corresponding to the user identity information from the first server. The first information includes "name: thirdly, stretching; gender: a male; and (3) the following steps: river north; occupation: a teacher).
And acquiring second information corresponding to the user identity information from a second server. The second information includes "name: thirdly, stretching; gender: a male; and (3) the following steps: river north; occupation: a public officer.
And comparing the first information with the second information to obtain the first difference information.
By comparing the first information and the second information, it is known that the field value corresponding to the "occupation" field in the first information is different from the field value corresponding to the "occupation" field in the second information. The first attribute information may be expressed as "occupation: teacher ", the second attribute information may be expressed as" occupation: public officer ", the first difference information may be expressed as" occupation: teacher→officer.
Referring to fig. 4, a flowchart of another implementation manner of obtaining first difference information corresponding to user identity information according to an embodiment of the present application is shown. The method includes the following steps S401 to S403 in the implementation process.
Step S401: and acquiring first information corresponding to the user identity information corresponding to the target card number from the first server.
The first information comprises M fields and field values corresponding to the M fields respectively, the first information comprises the first attribute information and the user identity information, and the first attribute information at least comprises a first field in the M fields and a first field value of the first field.
Step S402: and sending the first information to a second server.
The second server stores second information corresponding to the user identity information, the second information comprises M fields and field values corresponding to the M fields respectively, the second information comprises second attribute information, and the second attribute information at least comprises the first field and the second field value of the first field.
Step S403: and receiving the first difference information sent by the second server.
Unlike the embodiment shown in fig. 3, in the embodiment of the present application, the first difference information is obtained by the second server based on the comparison result of the first information and the second information.
Referring to fig. 5, a flowchart of another implementation manner of obtaining first difference information corresponding to user identity information according to an embodiment of the present application is shown. The method includes the following steps S501 to S503 in the implementation process.
Step S501: and acquiring user identity information corresponding to the target card number from the first server, and sending the user identity information to a second server.
Step S502: and acquiring second information corresponding to the user identity information from the second server.
The second information comprises M fields and field values corresponding to the M fields respectively, the second information comprises second attribute information, and the second attribute information at least comprises a first field in the M fields and a second field value of the first field.
Step S503: and sending the second information to the first server.
The first server stores first information corresponding to the user identity information, the first information comprises M fields and field values corresponding to the M fields respectively, the first information comprises first attribute information, and the first attribute information at least comprises the first fields and second field values of the first fields.
Step S504: and receiving the first difference information sent by the first server.
Unlike the embodiments shown in fig. 3 and 4, in the embodiment of the present application, first difference information is obtained by the first server based on the comparison result of the first information and the second information.
It may be appreciated that the embodiment of the present application provides the above three implementations of obtaining the first difference information corresponding to the user identity information, and any one implementation of the above three implementations or a combination of the above three implementations may be selected in practical application.
In an alternative embodiment, the information processing method further includes steps A1 to A4 before performing the acquiring step S102.
Step A1: and acquiring a transaction identifier contained in the transaction request.
Illustratively, the transaction identifier carries a transaction code for the transaction request, the transaction request being represented by a different transaction code.
For example, transaction code 001 indicates that the transaction request is a consumer transaction and transaction code 002 indicates that the transaction request is a proposed transaction.
Illustratively, the transaction identifier also carries a transaction amount.
For example, the transaction identifier may be represented as 001-200, i.e., representing the transaction request as a consumer transaction, and consuming 200 yuan; if the transaction identifier is 002-300, the transaction request is a presentation transaction, and the presentation is 300 yuan.
Step A2: and determining the risk level corresponding to the transaction identifier.
For example, the risk level corresponding to different transaction identifications is different, for example, the risk level corresponding to the transaction identification is 1 if the transaction identification is 001-200, and the risk level corresponding to the transaction identification is 10 if the transaction identification is 001-1000.
Illustratively, the risk levels corresponding to the different ranges of the amount of consumption are different. The risk levels corresponding to the different withdrawal amount ranges are different.
The risk level will be described below using the amount of money consumed as an example.
For example, if the consumption amount is 100-300 yuan, the risk level of the consumption transaction is 1, and if the consumption amount is 800-1000 yuan, the risk level of the consumption transaction is 10.
And step A3, if the risk level is greater than or equal to a preset risk threshold, executing the first difference information corresponding to the acquired user identity information.
For example, if the preset risk threshold is 5 and the transaction identifier is 001-1000, and if the risk level corresponding to the transaction identifier is 10 and is greater than the preset risk threshold 5, the transaction request is indicated as "high risk transaction", and steps S102 to S108 are executed.
And step A4, if the risk level is smaller than the preset risk threshold, executing the transaction request.
For example, the preset risk threshold is 5, if the transaction identifier is 001-200, and the risk level corresponding to the transaction identifier is 1 and less than the preset risk threshold 5, the transaction request is indicated as "low risk transaction", and the execution of the transaction is directly allowed.
In an optional embodiment, if the first difference information is the same as the second difference information, the second electronic device may further store the first difference information or the second difference information. The data is backed up, so that the subsequent data auditing is convenient.
The method is described in detail in the embodiments provided by the present application, and the method of the present application can be implemented by using various types of devices, so that the present application also provides an information processing device, and specific embodiments are given below for details.
In an alternative embodiment, referring to fig. 6, a result diagram of an information processing apparatus according to an embodiment of the present application is provided.
As can be seen in fig. 6, the device comprises:
the first receiving module 601 is configured to receive a transaction request sent by a first electronic device, where the transaction request carries a target card number of a credit card. The first obtaining module 602 is configured to obtain first difference information corresponding to the user identity information, where the first difference information includes first attribute information and second attribute information having differences, the first attribute information is attribute information corresponding to user identity information corresponding to the target card number stored in a first server, and the second attribute information is attribute information corresponding to user identity information stored in a second server and having a same field as the first attribute information. The first instruction generating module 603 is configured to generate a confirmation instruction based on the first difference information, where the confirmation instruction carries the first difference information. And a first sending module 604, configured to send the confirmation instruction to the first electronic device. And the second receiving module 605 is configured to receive acknowledgement information fed back by the first electronic device in response to the acknowledgement instruction, where the acknowledgement information carries second difference information that is displayed by the first electronic device and is correct by a user. And a second instruction generating module 606, configured to generate a change instruction if the first difference information is the same as the second difference information, where the change instruction is used to instruct the first attribute information stored in the first server to change to the second attribute information. A second sending module 607, configured to send the change instruction to the first server. And the first executing module 608 is configured to execute the transaction request if feedback information indicating that the first attribute information is successfully changed from the first attribute information to the second attribute information, which is sent by the first server, is received.
It will be appreciated that the information processing apparatus shown in fig. 6 is adapted to the information processing method shown in fig. 2, and the specific functions implemented by the modules in fig. 6 may be referred to the description of the method embodiment shown in fig. 2, which is not repeated herein.
Illustratively, the apparatus further comprises: and the second execution module is used for prohibiting the transaction request if the first difference information is different from the second difference information.
Illustratively, the first acquisition module includes:
the first obtaining unit is configured to obtain, from the first server, first information corresponding to the user identity information corresponding to the target card number, where the first information includes M fields and field values corresponding to the M fields, the first information includes the first attribute information, and the first attribute information includes at least a first field of the M fields and a first field value of the first field. The second obtaining unit is configured to obtain second information corresponding to the user identity information from the second server, where the second information includes the M fields and field values corresponding to the M fields, the second information includes the second attribute information, and the second attribute information includes at least the first field and a second field value of the first field. And the third acquisition unit is used for comparing the first information with the second information to obtain the first difference information.
Illustratively, the first acquisition module includes: a fourth obtaining unit, configured to obtain, from the first server, first information corresponding to user identity information corresponding to the target card number, where the first information includes M fields and field values corresponding to the M fields, the first information includes the first attribute information and the user identity information, and the first attribute information includes at least a first field of the M fields and a first field value of the first field. And the first sending unit is used for sending the first information to the second server. The second server stores second information corresponding to the user identity information, the second information comprises M fields and field values corresponding to the M fields respectively, the second information comprises second attribute information, and the second attribute information at least comprises the first field and the second field value of the first field. And the first receiving unit is used for receiving the first difference information sent by the second server. The first difference information is exemplary of the second server obtained by comparing the first information with the second information, and the first obtaining module includes:
And a fifth acquisition unit, configured to acquire user identity information corresponding to the target card number from the first server, and send the user identity information to the second server. A sixth obtaining unit, configured to obtain second information corresponding to the user identity information from the second server, where the second information includes the M fields and field values corresponding to the M fields, the second information includes the second attribute information, and the second attribute information includes at least a first field of the M fields and a second field value of the first field. And the second sending unit is used for sending the second information to the first server. The first server stores first information corresponding to the user identity information corresponding to the target card number, the first information comprises M fields and field values corresponding to the M fields respectively, the first information comprises first attribute information, and the first attribute information at least comprises the first fields and second field values of the first fields. And the second receiving unit is used for receiving the first difference information sent by the first server. The first difference information is obtained by the first server based on a result of comparing the first information with the second information.
In an alternative embodiment, the information processing apparatus further includes:
and the second acquisition module is used for acquiring the transaction identification contained in the transaction request.
And the first determining module is used for determining the risk level corresponding to the transaction identifier.
The first comparison module is used for executing the step of acquiring the first difference information corresponding to the user identity information if the risk level is greater than or equal to a preset risk threshold; and if the risk level is smaller than the preset risk threshold, executing the transaction request.
In an alternative embodiment, referring to fig. 7, a block diagram of a second electronic device is provided for an embodiment of the present application.
The second electronic device includes:
a memory 701 for storing a program;
a processor 702, configured to execute the program, where the program is specifically configured to:
receiving a transaction request sent by first electronic equipment, wherein the transaction request carries a target card number of a credit card;
acquiring first difference information corresponding to the target card number, wherein the first difference information comprises first attribute information and second attribute information with differences, the first attribute information is user identity information corresponding to the target card number stored in a first server, and the second attribute information is attribute information corresponding to the user identity information and having the same field as the first attribute information and stored in a second server;
Generating a confirmation instruction based on the first difference information, wherein the confirmation instruction carries the first difference information;
transmitting the confirmation instruction to the first electronic equipment;
receiving confirmation information fed back by the first electronic equipment in response to the confirmation instruction, wherein the confirmation information carries second difference information which is displayed by the first electronic equipment and is confirmed to be correct by a user;
if the first difference information is the same as the second difference information, generating a change instruction, wherein the change instruction is used for indicating the first attribute information stored in the first server to be changed into the second attribute information;
sending the change instruction to the first server;
and if the first attribute information corresponding to the user identity information is successfully changed into the feedback information of the second attribute information after the characterization sent by the first server is received, executing the transaction request.
The processor 702 may be a central processing unit CPU or a specific integrated circuit ASIC (Application Specific Integrated Circuit).
The electronic device may further comprise a communication interface 703 and a communication bus 704, wherein the memory 701 processor 702 and the communication interface 703 perform communication with each other via the communication bus 704.
The embodiment of the present application also provides a readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps involved in the embodiment of the information processing method as described in any one of the above.
The features described in the respective embodiments in the present specification may be replaced with each other or combined with each other. For device or system class embodiments, the description is relatively simple as it is substantially similar to method embodiments, with reference to the description of method embodiments in part.
It is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the provided embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features provided herein.
Claims (10)
1. An information processing method, characterized by comprising:
receiving a transaction request sent by first electronic equipment, wherein the transaction request carries a target card number of a credit card;
Acquiring first difference information corresponding to the target card number, wherein the first difference information comprises first attribute information and second attribute information with differences, the first attribute information is user identity information corresponding to the target card number stored in a first server, and the second attribute information is attribute information corresponding to the user identity information and having the same field as the first attribute information and stored in a second server;
generating a confirmation instruction based on the first difference information, wherein the confirmation instruction carries the first difference information;
transmitting the confirmation instruction to the first electronic equipment;
receiving confirmation information fed back by the first electronic equipment in response to the confirmation instruction, wherein the confirmation information carries second difference information which is displayed by the first electronic equipment and is confirmed to be correct by a user;
if the first difference information is the same as the second difference information, generating a change instruction, wherein the change instruction is used for indicating the first attribute information stored in the first server to be changed into the second attribute information;
sending the change instruction to the first server;
and if the first attribute information corresponding to the user identity information is successfully changed into the feedback information of the second attribute information after the characterization sent by the first server is received, executing the transaction request.
2. The information processing method according to claim 1, characterized by further comprising:
and if the first difference information is different from the second difference information, prohibiting the transaction request.
3. The information processing method according to claim 1, wherein the step of acquiring the first difference information corresponding to the target card number includes:
acquiring first information corresponding to user identity information corresponding to the target card number from the first server, wherein the first information comprises M fields and field values corresponding to the M fields respectively, the first information comprises the first attribute information, and the first attribute information at least comprises a first field in the M fields and a first field value of the first field;
acquiring second information corresponding to the user identity information from the second server, wherein the second information comprises the M fields and field values corresponding to the M fields respectively, the second information comprises the second attribute information, and the second attribute information at least comprises the first field and the second field value of the first field;
and comparing the first information with the second information to obtain the first difference information.
4. The information processing method according to claim 1, wherein the step of acquiring the first difference information corresponding to the target card number includes:
acquiring first information corresponding to user identity information corresponding to the target card number from the first server, wherein the first information comprises M fields and field values corresponding to the M fields respectively, the first information comprises the first attribute information and the user identity information, and the first attribute information at least comprises a first field in the M fields and a first field value of the first field;
transmitting the first information to a second server; the second server stores second information corresponding to the user identity information, the second information comprises M fields and field values corresponding to the M fields respectively, the second information comprises second attribute information, and the second attribute information at least comprises the first field and the second field value of the first field;
receiving the first difference information sent by the second server; the first difference information is obtained by comparing the first information with the second information by the second server.
5. The information processing method according to claim 1, wherein the step of acquiring the first difference information corresponding to the target card number includes:
acquiring user identity information corresponding to the target card number from the first server, and sending the user identity information to a second server;
acquiring second information corresponding to the user identity information from the second server, wherein the second information comprises M fields and field values corresponding to the M fields respectively, the second information comprises the second attribute information, and the second attribute information at least comprises a first field in the M fields and a second field value of the first field;
transmitting the second information to a first server; the first server stores first information corresponding to the user identity information corresponding to the target card number, wherein the first information comprises the M fields and field values corresponding to the M fields respectively, the first information comprises the first attribute information, and the first attribute information at least comprises the first field and a second field value of the first field;
receiving first difference information sent by the first server; the first difference information is obtained by comparing the first information with the second information by the first server.
6. The information processing method according to any one of claims 1 to 5, characterized by further comprising:
acquiring a transaction identifier contained in the transaction request;
determining a risk level corresponding to the transaction identifier;
if the risk level is greater than or equal to a preset risk threshold, executing the first difference information corresponding to the acquired user identity information;
and if the risk level is smaller than the preset risk threshold, executing the transaction request.
7. The information processing method according to claim 1, characterized by further comprising:
and if the first difference information is the same as the second difference information, storing the first difference information or the second difference information.
8. An information processing apparatus, characterized by comprising:
the first receiving module is used for receiving a transaction request sent by the first electronic equipment, wherein the transaction request carries a target card number of a credit card;
the first acquisition module is used for acquiring first difference information corresponding to the target card number, wherein the first difference information comprises first attribute information and second attribute information with differences, the first attribute information is attribute information corresponding to user identity information corresponding to the target card number stored by a first server, and the second attribute information is attribute information corresponding to the user identity information and stored by a second server, and the attribute information has the same field as the first attribute information;
The first instruction generation module is used for generating a confirmation instruction based on the first difference information, wherein the confirmation instruction carries the first difference information;
the first sending module is used for sending the confirmation instruction to the first electronic equipment;
the second receiving module is used for receiving confirmation information fed back by the first electronic equipment in response to the confirmation instruction, wherein the confirmation information carries second difference information which is displayed by the first electronic equipment and is confirmed to be correct by a user;
the second instruction generating module is used for generating a change instruction if the first difference information is the same as the second difference information, wherein the change instruction is used for indicating the first attribute information stored in the first server to be changed into the second attribute information;
the second sending module is used for sending the change instruction to the first server;
and the first execution module is used for executing the transaction request if receiving feedback information which is sent by the first server and is used for successfully changing the first attribute information into the second attribute information.
9. A second electronic device, comprising:
a memory for storing a program;
a processor, configured to execute the program, where the program is specifically configured to:
Receiving a transaction request sent by first electronic equipment, wherein the transaction request carries a target card number of a credit card;
acquiring first difference information corresponding to the target card number, wherein the first difference information comprises first attribute information and second attribute information with differences, the first attribute information is user identity information corresponding to the target card number stored in a first server, and the second attribute information is attribute information corresponding to the user identity information and having the same field as the first attribute information and stored in a second server;
generating a confirmation instruction based on the first difference information, wherein the confirmation instruction carries the first difference information;
transmitting the confirmation instruction to the first electronic equipment;
receiving confirmation information fed back by the first electronic equipment in response to the confirmation instruction, wherein the confirmation information carries second difference information which is displayed by the first electronic equipment and is confirmed to be correct by a user;
if the first difference information is the same as the second difference information, generating a change instruction, wherein the change instruction is used for indicating the first attribute information stored in the first server to be changed into the second attribute information;
Sending the change instruction to the first server;
and if the first attribute information corresponding to the user identity information is successfully changed into the feedback information of the second attribute information after the characterization sent by the first server is received, executing the transaction request.
10. A readable storage medium having stored thereon a computer program, which, when executed by a processor, implements the information processing method according to any one of claims 1 to 7.
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