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Method and system for processing electronic transaction request

A transaction request, electronic transaction technology, applied in the field of computer networks, can solve the problems of inability to adapt to the development direction of online interaction, inability to cross-process multiple channels, inconvenience and speed, etc., to improve user communication efficiency, provide user experience, and improve efficiency. Effect

Inactive Publication Date: 2009-12-02
CHINA MERCHANTS BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] Either high security, but inconvenient and fast;
[0007] Either it is very convenient and fast, but its security is not high;
[0008] Unable to multi-channel cross-processing, especially unable to adapt to the current development direction of online interaction

Method used

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  • Method and system for processing electronic transaction request
  • Method and system for processing electronic transaction request
  • Method and system for processing electronic transaction request

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0069] like figure 1 As shown, the present invention provides a method for processing an electronic transaction request, comprising the steps of:

[0070] 101. Obtain the transaction data required to complete the transaction request, encode the transaction data to generate a transaction file containing the transaction data;

[0071] The transaction data includes transaction information, and the transaction information mainly includes the transaction requester's first user identity information, user account information, transaction object information, transaction object owner information, transaction category information and transaction amount information,

[0072] The user identity information includes a user name and a user ID number,

[0073] The user account information includes account number and account opening organization information,

[0074] The type of transaction described includes transfers, remittances, payments or purchases,

[0075] When the transaction categ...

Embodiment 2

[0088] On the basis of Embodiment 1, the transaction data further includes a first electronic signature containing the identity information of the transaction requester, and the first electronic signature contains encoding information, and the encoding information is located in the first electronic signature database , the step 103 is: analyze the transaction file, verify the legitimacy of the transaction requester’s identity information and the transaction instruction, write the transaction data associated with the legal transaction request into the account fund database, and return the result of the transaction request;

[0089] The steps of "analyzing the transaction file, verifying the legitimacy of the transaction requester's identity information and the transaction instruction" are as follows:

[0090] Extract the first electronic signature in the transaction data, query the electronic signature corresponding to the number in the electronic signature database through the...

Embodiment 3

[0094] On the basis of Embodiment 2, a second electronic signature is added to the transaction file to generate the transaction file after the transaction request is authenticated, and the second electronic signature contained in the authenticated transaction file is analyzed to verify the The legitimacy of the above transaction request.

[0095] The second electronic signature includes the following two situations:

[0096] The counterparty's electronic signature containing the counterparty's identity information;

[0097] A third-party electronic signature that includes the identity information of a third-party authenticator, the third party refers to an intermediary independent of the two parties to the transaction and not associated with the two parties to the transaction.

[0098] The method then includes the following steps, such as figure 2 Shown:

[0099] 301. Obtain the transaction data required to complete the transaction request, and encode the transaction data ...

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Abstract

The invention belongs to the technical filed of computer network, and relates to a method and a system for processing an electronic transaction request. The method for processing the electronic transaction request comprises the following steps: acquiring transaction data required by finishing the transaction request; encoding the transaction data to generate a transaction document containing the transaction data; transmitting the transaction document by a transmission carrier; analyzing the transaction document; verifying the validity of the transaction request; writing the transaction data related with the valid transaction request into an account capital database; and returning the result of the transaction request. The transaction data comprises transaction information and a first electronic signature representing the identity of transaction requesters. The method and the system have the characteristics of high safety, convenience and quickness.

Description

【Technical field】 [0001] The invention belongs to the technical field of computer networks and relates to a method and system for processing electronic transaction requests. 【Background technique】 [0002] Security is of paramount importance in the processing of electronic transaction requests. By manually reviewing transaction requests, the security of processing electronic transaction requests can be greatly increased, but the speed of processing transaction requests is greatly reduced. The Internet provides a service channel that transcends time and space for processing electronic transactions. People can complete transaction processes such as bank account inquiries, transfers, payments, and shopping online. The Internet provides a very convenient and fast platform for users to process transaction requests, but this open platform has security risks. Driven by huge interests, virus and Trojan horse makers often use the loopholes in electronic trading systems to steal use...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q30/00H04L9/32H04L29/06
Inventor 熊少军操家庆王新留
Owner CHINA MERCHANTS BANK
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