CN108171505A - The methods, devices and systems of trading processing - Google Patents

Abstract

The embodiment of the present application discloses a kind of methods, devices and systems of trading processing, and this method includes：When determining to be authorized to use geographical location information relevant with telephone number, it obtains at least one target and is expected place, at least one target is expected the place where place is expected for destination phone numbers, and the destination phone numbers are bound with Bank Account Number used in current transaction；Loco when the current transaction is initiated expectedly is put at least one target to be matched；Determine whether to terminate the current transaction based on matching result.

Description

Method, device and system for transaction processing

technical field

The present application relates to the technical field of mobile Internet payment, and more specifically relates to a transaction processing method, device and system.

Background technique

At present, in order to control the transaction risks in mobile Internet payment, it is usually necessary to bind the bank card with the cardholder's mobile phone number. The latitude and longitude data of the location is used to determine the exact location of the current mobile phone number of the cardholder, and to determine whether the current exact location of the mobile phone number matches the attribution of the mobile phone number, and judge whether there is a transaction risk in the current transaction according to the matching result. The risk judgment result deals with the current transaction. But usually the exact location of the cardholder's mobile phone number is the exact location of the cardholder, so this method is not conducive to protecting the privacy of the cardholder.

Therefore, a transaction processing method is required to overcome the above technical problems.

Contents of the invention

The purpose of this application is to provide a method, device and system for transaction processing, which can protect the privacy of cardholders and avoid property losses caused by high-risk transactions to users.

In order to solve the above technical problems, the embodiment of the present application is implemented as follows:

In the first aspect, a transaction processing method is provided, including:

When it is determined that the geographical location information related to the phone number is authorized to be used, at least one target expected location is obtained, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is the same as the bank used in the current transaction account binding;

matching the transaction location when the current transaction is initiated with the at least one target expected location;

It is determined whether to terminate the current transaction based on the matching result.

In the second aspect, a transaction processing method is provided, including:

receiving a query request sent by the fund clearing server, the query request includes a target phone number, the query request is used to query at least one target expected location, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction;

sending query feedback to the funds settlement server, the query feedback including the target phone number and the at least one target expected location, so that the funds settlement server A matching result of matching with a target expected location determines whether to terminate the current transaction.

In the third aspect, a transaction processing method is provided, including:

Sending a query request to the operator server to which the target phone number belongs, the query request including the target phone number and at least one target location related to the current transaction, the target phone number is bound to the bank account number used in the current transaction;

receiving query feedback sent by the operator server for the query request, the query feedback including information indicating that the mobile device using the target phone number is powered off, or the query feedback including information indicating that the The information that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location;

It is determined whether to terminate the current transaction based on the query feedback.

In the fourth aspect, a transaction processing method is provided, including:

Receive a query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction;

According to the inquiry request, an inquiry feedback is sent to the fund settlement server, the inquiry feedback includes information indicating that the mobile device using the target phone number is powered off, or the inquiry feedback includes information indicating that the The information that the mobile device is turned on and the matching result between the current location of the target phone number and the at least one target location, so that the fund settlement server determines whether to terminate the current transaction based on the query feedback.

In a fifth aspect, a transaction processing device is provided, including:

The acquiring unit is configured to acquire at least one target expected location when it is determined that it is authorized to use the geographic location information related to the phone number, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is related to the current exchange The bank account used is bound;

A matching unit, for matching the transaction location when the current transaction is initiated with the at least one target expected location;

The determining unit determines whether to terminate the current transaction based on the matching result.

In a sixth aspect, a transaction processing device is provided, including:

The receiving unit is configured to receive a query request sent by the fund clearing server, the query request includes a target phone number, and the query request is used to query at least one target expected location, and the at least one target expected location is where the target phone number is expected to be location, the target phone number is bound to the bank account number used in the current transaction;

A feedback unit that sends query feedback to the fund settlement server, where the query feedback includes the target phone number and the at least one target expected location, so that the fund settlement server can base on the transaction location and The matching result of the at least one target expected location determines whether to terminate the current transaction.

In a seventh aspect, a transaction processing device is provided, including:

The sending unit sends a query request to the operator server to which the target phone number belongs, the query request includes the target phone number and at least one target location related to the current transaction, and the target phone number is related to the bank account number used in the current transaction binding;

A receiving unit, configured to receive query feedback sent by the operator server for the query request, where the query feedback includes information indicating that the mobile device using the target phone number is in a power-off state, or the query feedback includes Based on the information indicating that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location;

A determining unit, configured to determine whether to terminate the current transaction based on the query feedback.

In an eighth aspect, a transaction processing device is provided, including:

The receiving unit receives the query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction;

The feedback unit is configured to send query feedback to the fund settlement server according to the query request, where the query feedback includes information indicating that the mobile device using the target phone number is powered off, or the query feedback includes information for information indicating that the mobile device is in a power-on state and a matching result between the location where the target phone number is currently located and the at least one target location, so that the fund settlement server determines whether the current transaction needs to be terminated based on the query feedback .

In the ninth aspect, a fund settlement server is provided, including:

processor; and

memory arranged to store computer-executable instructions that, when executed, use the processor to:

When it is determined that the geographical location information related to the phone number is authorized to be used, at least one target expected location is obtained, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is the same as the bank used in the current transaction account binding;

matching the transaction location when the current transaction is initiated with the at least one target expected location;

It is determined whether to terminate the current transaction based on the matching result.

In a tenth aspect, an operator server is provided, including:

processor; and

memory arranged to store computer-executable instructions that, when executed, use the processor to:

receiving a query request sent by the fund clearing server, the query request includes a target phone number, the query request is used to query at least one target expected location, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction;

sending query feedback to the funds settlement server, the query feedback including the target phone number and the at least one target expected location, so that the funds settlement server A matching result of matching with a target expected location determines whether to terminate the current transaction.

In the eleventh aspect, a fund settlement server is provided, including:

processor; and

memory arranged to store computer-executable instructions that, when executed, use the processor to:

Sending a query request to the operator server to which the target phone number belongs, the query request including the target phone number and at least one target location related to the current transaction, the target phone number is bound to the bank account number used in the current transaction;

receiving query feedback sent by the operator server for the query request, the query feedback including information indicating that the mobile device using the target phone number is powered off, or the query feedback including information indicating that the The information that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location;

It is determined whether to terminate the current transaction based on the query feedback.

In a twelfth aspect, an operator server is provided, including:

processor; and

memory arranged to store computer-executable instructions that, when executed, use the processor to:

Receive a query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction;

According to the inquiry request, an inquiry feedback is sent to the fund settlement server, the inquiry feedback includes information indicating that the mobile device using the target phone number is powered off, or the inquiry feedback includes information indicating that the The information that the mobile device is turned on and the matching result between the current location of the target phone number and the at least one target location, so that the fund settlement server determines whether to terminate the current transaction based on the query feedback.

In a thirteenth aspect, a computer-readable medium is provided, the computer-readable medium stores one or more programs, and when the one or more programs are executed by a fund settlement server including a plurality of application programs, the The funds clearing server performs the following operations:

When it is determined that the geographical location information related to the phone number is authorized to be used, at least one target expected location is obtained, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is the same as the bank used in the current transaction account binding;

matching the transaction location when the current transaction is initiated with the at least one target expected location;

It is determined whether to terminate the current transaction based on the matching result.

In a fourteenth aspect, a computer-readable medium is provided, the computer-readable medium stores one or more programs, and when the one or more programs are executed by an operator server including a plurality of application programs, the The carrier server does the following:

receiving a query request sent by the fund clearing server, the query request includes a target phone number, the query request is used to query at least one target expected location, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction;

sending query feedback to the funds settlement server, the query feedback including the target phone number and the at least one target expected location, so that the funds settlement server A matching result of matching with a target expected location determines whether to terminate the current transaction.

In a fifteenth aspect, a computer-readable medium is provided, the computer-readable medium stores one or more programs, and when the one or more programs are executed by a fund settlement server including multiple application programs, the The funds clearing server performs the following operations:

Sending a query request to the operator server to which the target phone number belongs, the query request including the target phone number and at least one target location related to the current transaction, the target phone number is bound to the bank account number used in the current transaction;

receiving query feedback sent by the operator server for the query request, the query feedback including information indicating that the mobile device using the target phone number is powered off, or the query feedback including information indicating that the The information that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location;

It is determined whether to terminate the current transaction based on the query feedback.

In a sixteenth aspect, a computer-readable medium is provided, the computer-readable medium stores one or more programs, and when the one or more programs are executed by an operator server including a plurality of application programs, the The carrier server does the following:

Receive a query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction;

According to the inquiry request, an inquiry feedback is sent to the fund settlement server, the inquiry feedback includes information indicating that the mobile device using the target phone number is powered off, or the inquiry feedback includes information indicating that the The information that the mobile device is turned on and the matching result between the current location of the target phone number and the at least one target location, so that the fund settlement server determines whether to terminate the current transaction based on the query feedback.

A seventeenth aspect provides a transaction processing system, including the fund settlement server of the ninth aspect and the operator server of the tenth aspect; or the fund settlement server of the eleventh aspect and the operator server of the twelfth aspect.

It can be seen from the above technical solution provided by the embodiment of the present application that when the embodiment of the present application is authorized to use the geographic location information related to the telephone number, it obtains the expected location of the telephone number bound to the bank account number used in the current transaction, Then match the transaction location of the current transaction with the expected location, and when determining whether the current transaction needs to be terminated based on the matching result, it is not necessary to determine the current precise location of the phone number bound to the bank account used for the current transaction, and usually The longitude and latitude data of the transaction location when the current transaction is initiated cannot be obtained, so that the determined transaction location is not an accurate location, thereby protecting the privacy of the bank account holder. Furthermore, determining whether to terminate the current transaction based on the matching result can avoid property losses caused by high-risk transactions to the user.

Description of drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings that need to be used in the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only These are some embodiments described in this application. Those skilled in the art can also obtain other drawings based on these drawings without any creative effort.

Fig. 1 is a schematic flowchart of a transaction processing method according to an embodiment of the present application.

Fig. 2 is a schematic flowchart of a transaction processing method according to another embodiment of the present application.

Fig. 3 is a schematic flowchart of a transaction processing method according to yet another embodiment of the present application.

Fig. 4 is a schematic flowchart of a transaction processing method according to yet another embodiment of the present application.

Fig. 5 is a schematic flowchart of a transaction processing method according to a specific embodiment of the present application.

Fig. 6 is a structural block diagram of a fund settlement server according to an embodiment of the present application.

Fig. 7 is a structural block diagram of an operator server according to an embodiment of the present application.

Fig. 8 is a schematic structural diagram of a transaction processing device according to an embodiment of the present application.

Fig. 9 is a schematic structural diagram of a transaction processing device according to another embodiment of the present application.

Fig. 10 is a schematic structural diagram of a transaction processing device according to yet another embodiment of the present application.

Fig. 11 is a schematic structural diagram of a transaction processing device according to yet another embodiment of the present application.

Figure 12 is a schematic diagram of a transaction processing system according to one embodiment of the present application.

Detailed ways

In order to enable those skilled in the art to better understand the technical solutions in the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described The embodiments are only some of the embodiments of the present application, but not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the scope of protection of this application.

Fig. 1 is a flowchart of a method for transaction processing according to an embodiment of the present application. The method of FIG. 1 is executed by a transaction processing device. It should be noted that the phone numbers in the examples of this application include but are not limited to mobile phone numbers, and the locations in the examples of this application can be prefecture-level cities, provinces or countries, subject to the administrative division codes issued by the National Bureau of Statistics.

As shown in FIG. 1, at S102, when it is determined that the geographic location information related to the phone number is authorized to be used, at least one target expected location is acquired, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction.

Optionally, as an example, at S102, at least one target expected location includes the attribution of the target phone number. Here, the place of attribution of the target phone number can also be understood as the place where the account of the target phone number is opened.

Optionally, as another example, at S102, at least one target expected location includes a location frequently visited by the holder of the target phone number, where the frequently visited location may be that the holder goes to the location within a certain period of time Locations whose number of times is greater than or equal to the preset value. For example, the attribution of the target phone number is Beijing, and the holder of the target phone number has traveled to Shanghai for 4 times and Shenzhen for 3 times in the six months before the current transaction initiation time. The number of visits to Changchun is 1 time, and assuming the default value is 3, at least one target expected location includes Shanghai and Shenzhen.

Optionally, in some embodiments, the method shown in FIG. 1 further includes: obtaining a user agreement signed by the holder of the bank account, and determining whether to use the geographic location associated with the phone number according to the user agreement information. For example, when a bank account holder applies for a bank card or opens certain services, add the following terms to the user agreement: in order to protect the cardholder's bank card from fraudulent use by others, allow the card issuing bank or transfer The clearing organization obtains the location where the cardholder's reserved phone number is expected to be located. If the holder of the bank account has signed the above user agreement, it is deemed to be authorized to use the geographical location information related to the phone number, otherwise it is deemed not to be authorized to use the geographical location information related to the phone number.

Specifically, in some embodiments, acquiring at least one target expected location includes: acquiring the at least one target expected location from a local database, and the at least one target expected location is pre-acquired from the operator to which the target phone number belongs of. That is to say, the bank or the transfer clearing organization can obtain the expected location of the phone number from the operator to which the phone number belongs in advance and store it in the local database. At least one expected location of the transaction-related phone number.

Specifically, in some other embodiments, obtaining at least one target expected location includes: sending a query request to the operator server to which the target phone number belongs, the query request includes the target phone number, and the query request is used to query The at least one expected target location: receiving query feedback sent by the operator server, where the query feedback includes the target phone number and the at least one expected target location. That is to say, when the bank or the transfer clearing organization needs to inquire about the expected location of the target phone number, it can send a query request carrying the target phone number to the server of the operator to which the target phone number belongs, and the operator server of the target phone number can find out After the location where the target phone number is expected to be located, an inquiry feedback carrying the expected location where the target phone number is located is sent to the bank or the transfer clearing organization.

Further, sending the query request to the operator server to which the target phone number belongs includes: sending a query request to the operator server to which the target phone number belongs when it is determined that the at least one target expected location has not been successfully obtained from the local database The local database is used to store the at least one expected target location stored in the local database within a preset period of time starting from the moment when the at least one expected target location is stored in the local database. Here, the operator server to which the target phone number belongs can be understood as the server of the operator to which the target phone number belongs. For example, if the target phone number is a mobile phone number starting with 155, it is determined that a query request needs to be sent to the server of China Unicom.

That is to say, the local database stores the at least one expected target location for a preset period of time (for example, 24 hours) from when the at least one expected target location is stored in the local database. When needing to obtain at least one target expected location, first query in the local database, if the at least one target expected location is found in the local database, then obtain the at least one target expected location from the local database, and if not in the local database If the at least one target expected location is found in the query, a query request is sent to the operator server to which the target phone number belongs to query the at least one target expected location.

In the embodiment of this application, optionally, on the basis of obtaining the user agreement signed by the holder of the bank account number; The method further includes: sending the relevant information of the user agreement to the operator server to which the target phone number belongs, so that the operator server sends the query feedback according to the relevant information of the user agreement. The information related to the user agreement here may include, for example, non-identity information such as the agreement number of the user agreement, the target phone number (reserved phone number), and the validity period of the user agreement.

At S104, matching the transaction location when the current transaction is initiated with the at least one target expected location.

Optionally, as an example, the Internet Protocol (Internet Protocol, IP) address of the terminal device initiating the current transaction is obtained, and according to the IP address, the transaction location when the current transaction is initiated is determined. For example, assuming that the IP address of the initiating terminal device of the current transaction determines that the location of the initiating terminal device is Beijing, then Beijing is determined as the transaction location when the current transaction is initiated. By determining the transaction location when the current transaction is initiated according to the IP address of the initiating terminal device of the current transaction, the probability of blocking the normal transaction initiated by the bank account holder can be effectively reduced for the case where the bank account holder's mobile phone is not around.

At S106, it is determined whether to terminate the current transaction based on the matching result.

Optionally, in some embodiments, if the transaction location when the current transaction is initiated matches at least one target expected location, it may be considered that the matching is successful, and it is determined that the current transaction does not need to be terminated. Or when the matching is successful, other methods are used for further verification. If the further verification is successful, it is determined that the current transaction does not need to be terminated.

Optionally, in some other embodiments, if the transaction location when the current transaction is initiated does not match at least one target expected location, it is considered that the matching fails, and it is determined that the current transaction needs to be terminated. When it is determined that the current transaction needs to be terminated, related operations for terminating the current transaction are further performed. For example, directly intercept the current transaction.

In the embodiment of the present application, optionally, the method shown in FIG. 1 further includes: determining the risk degree of the current transaction; wherein obtaining at least one target expected location includes: when the risk degree of the current transaction is greater than or equal to the expected When setting the risk level, obtain at least one target expected location as shown. Or it can be understood that, when the risk level of the current transaction is greater than or equal to the preset risk level, it is necessary to determine whether to terminate the current transaction based on the matching result of the transaction location when the current transaction is initiated and at least one target expected location.

Specifically, in some embodiments, determining the risk level of the current transaction includes: determining the risk level of the current transaction according to transaction-related information of the current transaction; wherein the transaction-related information includes at least one of the following information: The bank account number used by the current transaction, the parties to the current transaction, the transaction amount of the current transaction, the transaction time of the current transaction, the transaction location when the current transaction was initiated, and the initiating terminal of the current transaction equipment.

For example, the risk degree of the current transaction can be determined through the expert rule model and the risk scoring model. The expert rule model here supports simple numerical comparison or logical judgment on transaction-related information. The risk scoring model scores transaction-related information, and weights the scoring results to obtain the final risk score result. Further, it can be output according to the expert rule model. Results and the results output by the risk scoring model determine how risky the current transaction is.

Optionally, as an example, the numerical comparison or logical judgment of transaction-related information by the expert rule model includes, but is not limited to: comparing the relationship between the transaction amount of the current transaction and the preset amount threshold, and judging the relationship between the transaction amount of the current transaction and the current transaction amount. The holder of the bank account used usually uses the bank account to conduct transactions, the size relationship between the transaction amount, judging the transaction time when the current transaction was initiated, and the holder of the bank account used by the current transaction usually uses the bank account Whether the transaction time is consistent.

Optionally, as an example, the scoring of the transaction-related information by the risk scoring model includes scoring at least one of the following: the consumption behavior characteristic risk of the holder of the bank account used by the current transaction, the current transaction The bank account number used, the merchant code of the transaction merchant of the current transaction and the degree of association between the terminal device initiating the current transaction and the fraudulent transaction that has occurred, the risk of the transaction location when the current transaction was initiated, and the current transaction used The risk of the payment method (online banking or bank APP) of the bank account number and the risk of the transaction time when the current transaction is initiated.

Further, as an example, when determining the risk degree of the current transaction according to the output result of the expert rule model and the output result of the risk scoring model, if the result output by the expert rule model is that the transaction amount of the current transaction is less than or equal to A yuan, and If the output result of the risk scoring model is that the risk score is less than or equal to B, it is determined that the risk level of the current transaction is lower than the preset risk level, or the current transaction is considered as a credible transaction. Otherwise, if the transaction amount of the current transaction is greater than A yuan and the risk score is greater than B, it is determined that the risk level of the current transaction is higher than the preset risk level, or the current transaction is considered suspicious and needs further verification.

In this embodiment of the present application, optionally, the method shown in FIG. 1 further includes: when the risk level of the current transaction is greater than or equal to the preset risk level, and it is determined that the geographical location information related to the phone number is not authorized to be used , according to the reservation question related to the target phone number and/or the identification result of the biometric feature of the initiator of the current transaction, it is determined whether the current transaction needs to be terminated.

In this embodiment of the application, optionally, if the risk level of the current transaction is greater than or equal to the preset risk level, in addition to using the method shown in Figure 1 to determine based on the matching result of the transaction location when the current transaction is initiated and at least one target location In addition to whether to terminate the current transaction, other risk control methods can also be implemented according to the result of the risk decision, for example, according to the risk score of the current transaction, whether the holder of the bank account used by the current transaction is a VIP user, the current transaction The fund balance of the bank account used, the previous risk decision results for the bank account used in the current transaction, etc., make risk decisions to determine the risk control method to be adopted. The risk control method here may include the bank account used in the current transaction. The bound mobile phone number sends a text message for SMS reminder, directly calls the holder of the bank account through customer service, enhances verification, freezes the bank account used for the current transaction, etc. When the determined risk control method is enhanced verification, when it is determined that the geographic location information related to the phone number is authorized to be used, the method shown in Figure 1 can be used to determine whether the current transaction needs to be terminated. If it is determined that the phone number is not authorized to use If the geographic location information related to the number is used, the current transaction can be further verified by means of reserved questions and/or biometric identification.

In the embodiment of the present application, optionally, the method shown in FIG. 1 further includes: verifying the identity of the holder of the bank account number used in the current transaction; wherein, obtaining at least one target expected location includes: When the identity of the holder is successful, the at least one target expected location is acquired. That is to say, when a bank account is used to initiate a transaction, the holder of the bank account is first authenticated. If the identity authentication is passed, subsequent verification is performed. If the identity authentication fails, the transaction can be directly intercepted. Here, the identity authentication of the holder can be performed through a password, a text message verification code or a graphic verification code, which is not limited in this embodiment of the present application.

Fig. 2 is a transaction processing method according to another embodiment of the present application, and the method shown in Fig. 2 is executed by a transaction processing device.

As shown in FIG. 2, at S202, a query request sent by the fund settlement server is received, the query request includes a target phone number, and the query request is used to query at least one target expected location, and the at least one target target The place is the place where the target phone number is expected to be located, and the target phone number is bound to the bank account number used in the current transaction.

Optionally, the fund settlement server may be a server of a bank or a server of a transit settlement organization.

At S204, send query feedback to the fund settlement server, where the query feedback includes the target phone number and the at least one target expected location, so that the fund settlement server can base on the transaction location when the current transaction is initiated A matching result of matching with the at least one target expected location determines whether to terminate the current transaction.

Optionally, as an embodiment, the method shown in FIG. 2 further includes: receiving information about the user agreement sent by the fund settlement server, the user agreement being signed by the holder of the bank account, and It is used for the fund settlement server to determine whether it is authorized to use the geographic location information related to the phone number. Correspondingly, the sending the query feedback to the fund settlement server includes: sending the query feedback to the fund settlement server according to the relevant information of the user agreement.

Specifically, in some embodiments, the user agreement information may include non-identity information such as the agreement number of the user agreement, the target phone number, and the validity period of the user agreement. When sending query feedback to the fund settlement server according to the relevant information of the user agreement, the protocol number of the user agreement can be carried in the query feedback. Or, when it is determined that the time of receiving the query request does not exceed the validity period of the user agreement corresponding to the target phone number in the query request, send query feedback to the fund settlement server. In this case, if the time of receiving the query request exceeds the validity period of the user agreement corresponding to the target phone number in the query request, the at least one target expected location is not included in the query feedback.

Fig. 3 is a transaction processing method according to another embodiment of the present application, and the method in Fig. 3 can be executed by a transaction processing device.

As shown in Figure 3, at S302, a query request is sent to the operator server to which the target phone number belongs, the query request includes the target phone number and at least one target location related to the current transaction, and the target phone number is related to Binding to the bank account used by the current transaction.

Optionally, as an example, at S302, the at least one target location includes a transaction location when the current transaction is initiated.

Optionally, as another example, at S302, the at least one target location further includes a location where the bank account number used in the current transaction is used more than or equal to a preset threshold. It can also be understood that the at least one target location also includes a location where the bank account number used in the current transaction is often used. For example, the transaction location when the current transaction was initiated was in Beijing, and the bank account was used 4 times in Shanghai, 3 times in Shenzhen, and in Changchun within half a year before the current transaction was initiated. The number of times is 1, and if the preset threshold is 3, at least one target location includes Beijing, Shanghai and Shenzhen.

At S304, receiving query feedback for the query request sent by the operator server, the query feedback includes information indicating that the mobile device using the target phone number is powered off, or the query feedback includes The information for indicating that the mobile device is in a power-on state and a matching result of the location where the target phone number is currently located and the at least one target location.

Specifically, in some embodiments, if the operator server inquires that the mobile device using the target phone number is in the power-off state, then directly include information indicating that the mobile device using the target phone number is in the power-off state in the query feedback . If the operator server finds that the mobile device using the target phone number is powered on, the query feedback needs to include information indicating that the mobile device is powered on and a matching result between the current location of the target phone number and at least one target location.

Optionally, in some embodiments, the current location of the target phone number is an accurate location determined according to the current latitude and longitude of the target phone number.

At S306, it is determined whether to terminate the current transaction based on the query feedback.

Optionally, in some embodiments, if the query feedback indicates that the mobile device using the target phone number is powered off, it is determined that the current transaction needs to be terminated. If the query feedback includes an indication that the mobile device using the target phone number is turned on, and the current location of the target phone number matches one of the at least one target location, it is determined that the current transaction does not need to be terminated. If the query feedback includes an indication that the mobile device using the target phone number is turned on, and the current location of the target phone number does not match any of the at least one target location, then it is determined that the current transaction needs to be terminated.

Fig. 4 is a transaction processing method according to another embodiment of the present application, and the method in Fig. 4 may be executed by a transaction processing device.

As shown in Figure 4, at S402, the query request sent by the fund clearing server is received, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is the same as that used by the current transaction bank account binding.

Optionally, the fund settlement server may be a server of a bank or a server of a transit settlement organization.

At S404, according to the query request, send query feedback to the fund settlement server, where the query feedback includes information indicating that the mobile device using the target phone number is powered off, or the query feedback includes Based on the information indicating that the mobile device is on and the matching result between the location where the target phone number is currently located and the at least one target location, so that the fund settlement server determines whether it is necessary to terminate the current location based on the query feedback. trade.

Optionally, as an embodiment, the at least one target location includes the transaction location when the current transaction is initiated.

Optionally, as another embodiment, the at least one target location further includes a location where the bank account number used in the current transaction is used more than or equal to a preset threshold.

FIG. 5 is a transaction processing method according to a specific embodiment of the present application, and the method in FIG. 5 can be executed by a transaction processing device.

As shown in FIG. 5, at S502, it is determined whether the current transaction is a trusted transaction.

At S502, the specific method for judging whether the current transaction is a credible transaction can be judged by using the expert rule model and risk scoring model in the method shown in FIG. 1 and the relevant information of the current transaction. For example, if it is determined that the transaction amount of the current transaction is less than or equal to A yuan and the risk score is less than or equal to B points, then it is determined that the current transaction is a credible transaction, otherwise it is determined that the current transaction is an untrustworthy transaction.

At S504, if the current transaction is an untrusted transaction, it is determined whether the current transaction is a suspicious transaction.

Specifically, at S502, the method for specifically judging whether the current transaction is suspicious can also be judged by using the expert rule model, the risk scoring model and the relevant information of the current transaction in the method shown in FIG. 1 . For example, if it is determined that the transaction amount of the current transaction is greater than A yuan and the risk score is greater than B, then it is determined that the current transaction is a suspicious transaction; otherwise, it is determined that the current transaction is not suspicious.

Optionally, if it is determined at S502 that the current transaction is a credible transaction, it is determined that the transaction does not need to be rejected, and the current transaction is allowed to pass. If at S504, it is determined that the current transaction is not suspicious, it is determined that the current transaction does not need to be rejected, and the current transaction is passed.

At S506, a risk decision is made, and a risk control method corresponding to the risk decision is determined.

It should be noted that the specific risk decision-making method at S506 is the same as the risk decision-making method in the method shown in FIG. 1 , and will not be repeated here to avoid repetition.

Specifically, risk control methods include text message reminders, customer service outbound calls, enhanced verification, and account freezing.

At S508, when the risk control method is enhanced verification, determine whether to be authorized to use the geographic location information related to the phone number.

At S510, if the geographic location information related to the phone number is authorized to be used, it is determined whether there is at least one target expected location in the local database.

Optionally, at S510, if the geographic location information related to the phone number is not authorized to be used, enhanced verification is performed by means of reserved question verification or face recognition verification. If the verification is successful, the current transaction is passed, and if the verification fails, the current transaction is rejected.

It can be understood that at least one target expected location is the expected location of the mobile phone number bound to the bank account number used in the current transaction.

At S512, if there is at least one expected target location in the local database, at least one expected target location is acquired from the local database.

At S514, if there is no at least one expected target location in the local database, a query request is sent to the operator server.

At S516, at least one target expected location in the query feedback sent by the operator server is received and acquired.

Specifically, the information included in the query request is the same as the information included in the query request in the method shown in Figure 1, the information included in the query feedback is the same as the information included in the query feedback in the method shown in Figure 1, I won't repeat them here.

At S518, it is judged whether the transaction location when the current transaction is initiated matches at least one target expected location.

At S520, if there is no match, the current transaction is rejected.

Optionally, if it is determined in S518 that the location when the current transaction is initiated matches at least one target expected location, it is determined that the transaction does not need to be rejected, and the current transaction is allowed to pass.

The transaction processing method according to the embodiment of the present application has been described in detail above with reference to FIG. 1 to FIG. 5 . The fund settlement server according to the embodiment of the present application will be described in detail below with reference to FIG. 6 . Referring to FIG. 6 , at the hardware level, the fund settlement server includes a processor, and optionally includes an internal bus, a network interface, and a memory. Wherein, the memory may include a memory, such as a high-speed random-access memory (Random-Access Memory, RAM), and may also include a non-volatile memory (non-volatile memory), such as at least one disk memory. Of course, the fund clearing server may also include hardware required by other businesses.

The processor, network interface, and memory may be interconnected via an internal bus, which may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an extended industry standard Structure (Extended Industry Standard Architecture, EISA) bus, etc. The bus can be divided into address bus, data bus, control bus and so on. For ease of representation, only one double-headed arrow is used in FIG. 6 , but it does not mean that there is only one bus or one type of bus.

Memory for storing programs. Specifically, the program may include program code, and the program code includes computer operation instructions. Storage, which can include internal memory and nonvolatile storage, provides instructions and data to the processor.

The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming a transaction processing device at the logical level. The processor executes the program stored in the memory, and is specifically used to perform the following operations:

When it is determined that the geographical location information related to the phone number is authorized to be used, at least one target expected location is obtained, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is the same as the bank used in the current transaction account binding;

matching the transaction location when the current transaction is initiated with the at least one target expected location;

It is determined whether to terminate the current transaction based on the matching result.

Alternatively, the processor executes the program stored in the memory, and is specifically configured to perform the following operations:

Sending a query request to the operator server to which the target phone number belongs, the query request including the target phone number and at least one target location related to the current transaction, the target phone number is bound to the bank account number used in the current transaction;

receiving query feedback sent by the operator server for the query request, the query feedback including information indicating that the mobile device using the target phone number is powered off, or the query feedback including information indicating that the The information that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location;

It is determined whether to terminate the current transaction based on the query feedback.

The above method performed by the transaction processing device disclosed in the embodiments shown in FIG. 1 and FIG. 3 of the present application may be applied to or implemented by a processor. A processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by an integrated logic circuit of hardware in a processor or an instruction in the form of software. Above-mentioned processor can be general-purpose processor, comprises central processing unit (Central Processing Unit, CPU), network processor (Network Processor, NP) etc.; It can also be Digital Signal Processor (Digital Signal Processor, DSP), ASIC (Application Specific Integrated Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. Various methods, steps, and logic block diagrams disclosed in the embodiments of the present application may be implemented or executed. A general-purpose processor may be a microprocessor, or the processor may be any conventional processor, or the like. The steps of the method disclosed in connection with the embodiments of the present application may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module can be located in a mature storage medium in the field such as random access memory, flash memory, read-only memory, programmable read-only memory or electrically erasable programmable memory, register. The storage medium is located in the memory, and the processor reads the information in the memory, and completes the steps of the above method in combination with its hardware.

The fund clearing server can also execute the methods shown in FIG. 1 and FIG. 3 , and realize the functions of the transaction processing device in the embodiment shown in FIG. 1 and FIG. 3 , which will not be repeated in this embodiment of the present application.

Of course, in addition to the software implementation, the fund settlement server of this application does not exclude other implementations, such as logic devices or the combination of software and hardware, etc., that is to say, the execution subject of the following processing flow is not limited to each logic unit , can also be a hardware or logic device.

The operator server according to the embodiment of the present application will be described in detail below with reference to FIG. 7 . Referring to FIG. 7 , at the hardware level, the operator server includes a processor, and optionally includes an internal bus, a network interface, and a memory. Wherein, the memory may include a memory, such as a high-speed random-access memory (Random-Access Memory, RAM), and may also include a non-volatile memory (non-volatile memory), such as at least one disk memory. Of course, the operator's server may also include hardware required by other services.

The processor, network interface, and memory may be interconnected via an internal bus, which may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an extended industry standard Structure (Extended Industry Standard Architecture, EISA) bus, etc. The bus can be divided into address bus, data bus, control bus and so on. For ease of representation, only one double-headed arrow is used in FIG. 7 , but it does not mean that there is only one bus or one type of bus.

Memory for storing programs. Specifically, the program may include program code, and the program code includes computer operation instructions. Storage, which can include internal memory and nonvolatile storage, provides instructions and data to the processor.

The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming a transaction processing device at the logical level. The processor executes the program stored in the memory, and is specifically used to perform the following operations:

receiving a query request sent by the fund clearing server, the query request includes a target phone number, the query request is used to query at least one target expected location, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction;

sending query feedback to the funds settlement server, the query feedback including the target phone number and the at least one target expected location, so that the funds settlement server A matching result of matching with a target expected location determines whether to terminate the current transaction.

or a processor, which executes a program stored in the memory and is specifically configured to perform the following operations:

Receive a query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction;

According to the inquiry request, an inquiry feedback is sent to the fund settlement server, the inquiry feedback includes information indicating that the mobile device using the target phone number is powered off, or the inquiry feedback includes information indicating that the The information that the mobile device is turned on and the matching result between the current location of the target phone number and the at least one target location, so that the fund settlement server determines whether to terminate the current transaction based on the query feedback.

The above method performed by the transaction processing device disclosed in the embodiments shown in FIG. 2 and FIG. 4 of the present application may be applied to or implemented by the processor. A processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by an integrated logic circuit of hardware in a processor or an instruction in the form of software. Above-mentioned processor can be general-purpose processor, comprises central processing unit (Central Processing Unit, CPU), network processor (Network Processor, NP) etc.; It can also be Digital Signal Processor (Digital Signal Processor, DSP), ASIC (Application Specific Integrated Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components. Various methods, steps, and logic block diagrams disclosed in the embodiments of the present application may be implemented or executed. A general-purpose processor may be a microprocessor, or the processor may be any conventional processor, or the like. The steps of the method disclosed in connection with the embodiments of the present application may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module can be located in a mature storage medium in the field such as random access memory, flash memory, read-only memory, programmable read-only memory or electrically erasable programmable memory, register. The storage medium is located in the memory, and the processor reads the information in the memory, and completes the steps of the above method in combination with its hardware.

The operator server can also execute the methods shown in FIG. 2 and FIG. 4 , and realize the functions of the transaction processing device in the embodiments shown in FIG. 2 and FIG. 4 , which will not be repeated in this embodiment of the present application.

Of course, in addition to the software implementation, the fund settlement server of this application does not exclude other implementations, such as logic devices or the combination of software and hardware, etc., that is to say, the execution subject of the following processing flow is not limited to each logic unit , can also be a hardware or logic device.

The embodiment of the present application also provides a computer-readable storage medium, the computer-readable storage medium stores one or more programs, and the one or more programs include instructions. When executing, the fund clearing server can be made to execute the method of the embodiment shown in Figure 1, and is specifically used to execute the following methods:

When it is determined that the geographical location information related to the phone number is authorized to be used, at least one target expected location is obtained, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is the same as the bank used in the current transaction account binding;

matching the transaction location when the current transaction is initiated with the at least one target expected location;

It is determined whether to terminate the current transaction based on the matching result.

The embodiment of the present application also provides a computer-readable storage medium, the computer-readable storage medium stores one or more programs, and the one or more programs include instructions. During execution, the operator server can be made to execute the method of the embodiment shown in Figure 2, and is specifically used to execute the following methods:

receiving a query request sent by the fund clearing server, the query request includes a target phone number, the query request is used to query at least one target expected location, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction;

sending query feedback to the funds settlement server, the query feedback including the target phone number and the at least one target expected location, so that the funds settlement server A matching result of matching with a target expected location determines whether to terminate the current transaction.

The embodiment of the present application also provides a computer-readable storage medium, the computer-readable storage medium stores one or more programs, and the one or more programs include instructions. During execution, the fund clearing server can be made to execute the method of the embodiment shown in Figure 3, and is specifically used to execute the following methods:

Sending a query request to the operator server to which the target phone number belongs, the query request including the target phone number and at least one target location related to the current transaction, the target phone number is bound to the bank account number used in the current transaction;

receiving query feedback sent by the operator server for the query request, the query feedback including information indicating that the mobile device using the target phone number is powered off, or the query feedback including information indicating that the The information that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location;

It is determined whether to terminate the current transaction based on the query feedback.

The embodiment of the present application also provides a computer-readable storage medium, the computer-readable storage medium stores one or more programs, and the one or more programs include instructions. When executing, the operator server can be made to execute the method of the embodiment shown in Figure 4, and is specifically used to execute the following method:

Receive a query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction;

According to the inquiry request, an inquiry feedback is sent to the fund settlement server, the inquiry feedback includes information indicating that the mobile device using the target phone number is powered off, or the inquiry feedback includes information indicating that the The information that the mobile device is turned on and the matching result between the current location of the target phone number and the at least one target location, so that the fund settlement server determines whether to terminate the current transaction based on the query feedback.

Fig. 8 is a schematic structural diagram of a transaction processing device according to an embodiment of the present application. Please refer to FIG. 8, in a software implementation, the transaction processing device 800 may include: an acquisition unit 801, a matching unit 802, and a determination unit 803, wherein,

The acquiring unit 801 is configured to acquire at least one target expected location when it is determined that it is authorized to use the geographic location information related to the phone number, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is related to the current transaction Binding of the bank account used;

A matching unit 802, matching the transaction location when the current transaction is initiated with the at least one target expected location;

The determining unit 803 determines whether to terminate the current transaction based on the matching result.

According to the transaction processing device of the embodiment of the present application, when authorized to use the geographic location information related to the phone number, it can obtain the expected location of the phone number bound to the bank account number used in the current transaction, and then transfer the current transaction The transaction location is matched with the expected location, and when determining whether the current transaction needs to be terminated based on the matching result, it is not necessary to determine the current exact location of the phone number bound to the bank account used for the current transaction, and the current transaction is usually not available The longitude and latitude data of the transaction location at the time of initiation makes the determined transaction location not an accurate location, thereby protecting the privacy of the bank account holder. Furthermore, determining whether to terminate the current transaction based on the matching result can avoid property losses caused by high-risk transactions to the user.

Optionally, as an embodiment, the at least one target expected location includes the home of the target phone number.

Optionally, as an embodiment, the acquiring unit 801:

The at least one target expected location is obtained from a local database, and the at least one target expected location is obtained in advance from the operator to which the target phone number belongs.

Optionally, as an embodiment, the acquiring unit 801:

sending a query request to the operator server to which the target phone number belongs, the query request includes the target phone number, and the query request is used to query the at least one target expected location;

receiving query feedback sent by the operator server, where the query feedback includes the target phone number and the at least one target expected location;

The at least one target expected location included in the query feedback is acquired.

Optionally, as an embodiment, the acquiring unit 801:

When it is determined that the at least one target expected location has not been successfully obtained from the local database, a query request is sent to the operator server to which the target phone number belongs, and the local database is used to obtain the at least one target expected location once The at least one target expected location stored this time is stored within a preset period of time starting from the time of storing in the local database.

Optionally, as an embodiment, the acquiring unit 801:

Obtain a user agreement signed by the holder of the said bank account number;

Determine whether you are authorized to use the geographical location information associated with the phone number according to the user agreement;

Wherein, before sending the query request to the operator server to which the target phone number belongs, the acquiring unit 801:

Send the relevant information of the user agreement to the operator server, so that the operator server sends the query feedback according to the relevant information of the user agreement.

Optionally, as an embodiment, the determining unit 803:

determine the degree of risk of said current transaction;

Wherein, the acquiring unit 801:

When the determining unit 803 determines that the risk level of the current transaction is greater than or equal to a preset risk level, the at least one target expected location is acquired.

Optionally, as an embodiment, the determining unit 803:

determining the risk level of the current transaction according to the transaction-related information of the current transaction;

Wherein, the transaction-related information includes at least one of the following information: the bank account number used in the current transaction, the parties to the current transaction, the transaction amount of the current transaction, and the transaction amount when the current transaction was initiated. Time, the transaction location when the current transaction is initiated, and the terminal device that initiates the current transaction.

Optionally, as an embodiment, the determining unit 803:

When the risk level of the current transaction is greater than or equal to the preset risk level, and it is determined that the geographic location information related to the phone number is not authorized to be used, according to the reservation question related to the target phone number and/or to the Based on the identification result of the biometric feature of the initiator of the current transaction, it is determined whether the current transaction needs to be terminated.

Optionally, as an embodiment, the acquiring unit 801:

Obtain the Internet Protocol IP address of the initiating terminal device of the current transaction;

According to the IP address, the transaction location when the current transaction is initiated is determined.

Optionally, as an embodiment, the acquiring unit 801:

Verify the identity of the holder of the bank account number used for said current transaction;

When the identity of the holder is verified successfully, the at least one target expected location is acquired.

The transaction processing device 800 can also execute the method of the embodiment shown in FIG. 1 and realize the functions of the transaction processing device in the embodiment shown in FIG. 1 , which will not be repeated in this embodiment of the present application.

Fig. 9 is a schematic structural diagram of a transaction processing device according to another embodiment of the present application. Please refer to FIG. 9 , in a software implementation, the transaction processing device 900 may include: a receiving unit 901 and a feedback unit 902, wherein,

The receiving unit 901 is configured to receive a query request sent by a fund settlement server, the query request includes a target phone number, and the query request is used to query at least one target expected location, and the at least one target expected location is the target phone number expected The location where the target phone number is bound to the bank account number used in the current transaction;

A feedback unit 902, sending query feedback to the fund settlement server, where the query feedback includes the target phone number and the at least one target expected location, so that the fund settlement server can A matching result of matching with the at least one target expected location determines whether to terminate the current transaction.

According to the transaction processing device of the embodiment of the present application, when receiving the query request including the target phone number sent by the fund clearing server, it sends the query feedback including the expected location of the target phone number to the fund clearing server, so that the fund clearing server can When authorized to use the geographical location information related to the phone number, match the transaction location of the current transaction with the expected location of the target phone number, and when determining whether the current transaction needs to be terminated based on the matching result, it is not necessary to determine the location of the current transaction. The current precise location of the phone number bound to the bank account can protect the privacy of the bank account holder. Furthermore, the fund settlement server determines whether to terminate the current transaction based on the matching result, which can avoid property losses caused by high-risk transactions to users.

Optionally, as an embodiment, the receiving unit 901:

Receive information about the user agreement sent by the fund settlement server, the user agreement is signed by the holder of the bank account, and is used by the fund settlement server to determine whether it is authorized to use the geographical location associated with the phone number location information;

Wherein, the feedback unit 902:

Send the query feedback to the fund settlement server according to the relevant information of the user agreement.

The transaction processing device 900 can also execute the method of the embodiment shown in FIG. 2 and realize the functions of the transaction processing device in the embodiment shown in FIG. 2 , which will not be repeated in this embodiment of the present application.

Fig. 10 is a schematic structural diagram of a transaction processing device according to another embodiment of the present application. Please refer to FIG. 10 , in a software implementation, the transaction processing device 1000 may include: a sending unit 1001, a receiving unit 1002, and a determining unit 1003, wherein,

The sending unit 1001 sends a query request to the operator server to which the target phone number belongs, the query request includes the target phone number and at least one target location related to the current transaction, and the target phone number is related to the bank used in the current transaction account binding;

The receiving unit 1002 is configured to receive query feedback for the query request sent by the operator server, where the query feedback includes information indicating that the mobile device using the target phone number is powered off, or the query feedback includes information indicating that the mobile device is in a power-on state and a matching result of the location where the target phone number is currently located and the at least one target location;

The determining unit 1003 determines whether to terminate the current transaction based on the query feedback.

According to the transaction processing device of the embodiment of the present application, it sends a query request including the target phone number to the operator server to which the target phone number belongs, and determines whether to terminate the current transaction according to the query feedback sent by the operator server. The transaction processing device does not need to determine the current The current precise location of the phone number bound to the bank account used for the transaction can protect the privacy of the bank account holder. Furthermore, determining whether to terminate the current transaction based on the query feedback can avoid property losses caused by high-risk transactions to the user.

Optionally, as an embodiment, the at least one target location includes the transaction location when the current transaction is initiated.

Optionally, as an embodiment, the at least one target location further includes a location where the bank account number used in the current transaction is used more than or equal to a preset threshold.

The transaction processing device 1000 can also execute the method of the embodiment shown in FIG. 3 and realize the functions of the transaction processing device in the embodiment shown in FIG. 3 , which will not be repeated in this embodiment of the present application.

Fig. 11 is a schematic structural diagram of a transaction processing device according to another embodiment of the present application. Please refer to FIG. 11 , in a software implementation, the transaction processing device 1100 may include: a receiving unit 1101 and a feedback unit 1102, wherein,

The receiving unit 1101 receives a query request sent by the fund settlement server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction;

The feedback unit 1102 is configured to send query feedback to the fund settlement server according to the query request, where the query feedback includes information indicating that the mobile device using the target phone number is powered off, or the query feedback includes Based on the information indicating that the mobile device is on and the matching result between the location where the target phone number is currently located and the at least one target location, so that the fund settlement server determines whether it is necessary to terminate the current location based on the query feedback. trade.

According to the transaction processing device of the embodiment of the present application, when receiving the query request sent by the fund settlement server including the target phone number and at least one target location related to the current transaction, it sends query feedback to the fund settlement server according to the received query request, so that The fund settlement server determines whether the current transaction needs to be terminated according to the query feedback, so that the fund settlement server does not need to determine the current precise location of the phone number bound to the bank account used in the current transaction, which can protect the privacy of the bank account holder and It can avoid property losses caused by high-risk transactions to users.

Optionally, as an embodiment, the at least one target location includes the transaction location when the current transaction is initiated.

Optionally, as an embodiment, the at least one target location further includes a location where the bank account number used in the current transaction is used more than or equal to a preset threshold.

The transaction processing device 1100 can also execute the method of the embodiment shown in FIG. 4 and realize the functions of the transaction processing device in the embodiment shown in FIG. 4 , which will not be repeated in this embodiment of the present application.

Figure 12 illustrates a transaction processing system according to one embodiment of the present application. As shown in FIG. 12 , the transaction processing system includes the fund settlement server shown in FIG. 6 and the operator server shown in FIG. 7 . Wireless communication can be performed between the fund clearing server and the operator's server.

In a word, the above descriptions are only preferred embodiments of the present application, and are not intended to limit the protection scope of the present application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of this application shall be included within the protection scope of this application.

The systems, devices, modules, or units described in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementing device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Combinations of any of these devices.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, can be implemented by any method or technology for storage of information. Information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Flash memory or other memory technology, Compact Disc Read-Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic tape cartridge, tape magnetic disk storage or other magnetic storage device or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media excludes transitory computer-readable media, such as modulated data signals and carrier waves.

It should also be noted that the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus comprising a set of elements includes not only those elements, but also includes Other elements not expressly listed, or elements inherent in the process, method, commodity, or apparatus are also included. Without further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article or apparatus comprising said element.

Each embodiment in this specification is described in a progressive manner, the same and similar parts of each embodiment can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for relevant parts, refer to part of the description of the method embodiment.

Claims (31)

1. A method of transaction processing, comprising: When it is determined that the geographical location information related to the phone number is authorized to be used, at least one target expected location is obtained, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is the same as the bank used in the current transaction account binding; matching the transaction location when the current transaction is initiated with the at least one target expected location; It is determined whether to terminate the current transaction based on the matching result. 2. The method of claim 1, said at least one target intended location comprising a home of said target telephone number. 3. The method according to claim 1 or 2, said acquiring at least one target expected location comprises: The at least one target expected location is obtained from a local database, and the at least one target expected location is obtained in advance from the operator to which the target phone number belongs. 4. The method according to claim 1 or 2, said acquiring at least one target expected location comprises: sending a query request to the operator server to which the target phone number belongs, the query request includes the target phone number, and the query request is used to query the at least one target expected location; receiving query feedback sent by the operator server, where the query feedback includes the target phone number and the at least one target expected location; The at least one target expected location included in the query feedback is acquired. 5. The method according to claim 4, said sending a query request to the operator server to which the target phone number belongs comprises: When it is determined that the at least one target expected location has not been successfully obtained from the local database, a query request is sent to the operator server to which the target phone number belongs, and the local database is used to obtain the at least one target expected location once The at least one target expected location stored this time is stored within a preset period of time starting from the time of storing in the local database. 6. The method of claim 4, further comprising: Obtain a user agreement signed by the holder of the said bank account number; Determine whether you are authorized to use the geographical location information associated with the phone number according to the user agreement; Wherein, before sending the query request to the operator server to which the target phone number belongs, it also includes: Send the relevant information of the user agreement to the operator server, so that the operator server sends the query feedback according to the relevant information of the user agreement. 7. The method of claim 1 or 2, further comprising: determine the degree of risk of said current transaction; Wherein, said obtaining said at least one target expected location includes: When the risk level of the current transaction is greater than or equal to a preset risk level, the at least one target expected location is acquired. 8. The method according to claim 7, said determining the risk level of said current transaction comprises: determining the risk level of the current transaction according to the transaction-related information of the current transaction; Wherein, the transaction-related information includes at least one of the following information: the bank account number used in the current transaction, the parties to the current transaction, the transaction amount of the current transaction, and the transaction amount when the current transaction was initiated. Time, the transaction location when the current transaction is initiated, and the terminal device that initiates the current transaction. 9. The method of claim 7, further comprising: When the risk level of the current transaction is greater than or equal to the preset risk level, and it is determined that the geographic location information related to the phone number is not authorized to be used, according to the reservation question related to the target phone number and/or to the Based on the identification result of the biometric feature of the initiator of the current transaction, it is determined whether the current transaction needs to be terminated. 10. The method of claim 1 or 2, further comprising: Obtain the Internet Protocol IP address of the initiating terminal device of the current transaction; According to the IP address, the transaction location when the current transaction is initiated is determined. 11. The method of claim 1 or 2, further comprising: Verify the identity of the holder of the bank account number used for said current transaction; Wherein, said acquisition of at least one target expected location includes: When the identity of the holder is verified successfully, the at least one target expected location is acquired. 12. A method of transaction processing comprising: receiving a query request sent by the fund clearing server, the query request includes a target phone number, the query request is used to query at least one target expected location, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction; sending query feedback to the funds settlement server, the query feedback including the target phone number and the at least one target expected location, so that the funds settlement server A matching result of matching with a target expected location determines whether to terminate the current transaction. 13. The method of claim 12, further comprising: Receive information about the user agreement sent by the fund settlement server, the user agreement is signed by the holder of the bank account, and is used by the fund settlement server to determine whether it is authorized to use the geographical location associated with the phone number location information; Wherein, the sending query feedback to the fund settlement server includes: Send the query feedback to the fund settlement server according to the relevant information of the user agreement. 14. A method of transaction processing comprising: Sending a query request to the operator server to which the target phone number belongs, the query request including the target phone number and at least one target location related to the current transaction, the target phone number is bound to the bank account number used in the current transaction; receiving query feedback sent by the operator server for the query request, the query feedback including information indicating that the mobile device using the target phone number is powered off, or the query feedback including information indicating that the The information that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location; It is determined whether to terminate the current transaction based on the query feedback. 15. The method of claim 14, said at least one target location comprising a transaction location when said current transaction was initiated. 16. The method according to claim 15, the at least one target location further includes a location where the bank account number used in the current transaction is used more than or equal to a preset threshold. 17. A method of transaction processing comprising: Receive a query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction; According to the inquiry request, an inquiry feedback is sent to the fund settlement server, the inquiry feedback includes information indicating that the mobile device using the target phone number is powered off, or the inquiry feedback includes information indicating that the The information that the mobile device is turned on and the matching result between the current location of the target phone number and the at least one target location, so that the fund settlement server determines whether to terminate the current transaction based on the query feedback. 18. The method of claim 17, said at least one target location comprising a transaction location when said current transaction was initiated. 19. The method according to claim 18, wherein the at least one target location further includes a location where the bank account number used in the current transaction is used more than or equal to a preset threshold. 20. A transaction processing device comprising: The acquiring unit is configured to acquire at least one target expected location when it is determined that it is authorized to use the geographic location information related to the phone number, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is related to the current exchange The bank account used is bound; A matching unit, for matching the transaction location when the current transaction is initiated with the at least one target expected location; The determining unit determines whether to terminate the current transaction based on the matching result. 21. A transaction processing device comprising: The receiving unit is configured to receive a query request sent by the fund clearing server, the query request includes a target phone number, and the query request is used to query at least one target expected location, and the at least one target expected location is where the target phone number is expected to be location, the target phone number is bound to the bank account number used in the current transaction; A feedback unit that sends query feedback to the fund settlement server, where the query feedback includes the target phone number and the at least one target expected location, so that the fund settlement server can base on the transaction location and The matching result of the at least one target expected location determines whether to terminate the current transaction. 22. A transaction processing device comprising: The sending unit sends a query request to the operator server to which the target phone number belongs, the query request includes the target phone number and at least one target location related to the current transaction, and the target phone number is related to the bank account number used in the current transaction binding; A receiving unit, configured to receive query feedback sent by the operator server for the query request, where the query feedback includes information indicating that the mobile device using the target phone number is in a power-off state, or the query feedback includes Based on the information indicating that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location; A determining unit, configured to determine whether to terminate the current transaction based on the query feedback. 23. A transaction processing device comprising: The receiving unit receives the query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction; The feedback unit is configured to send query feedback to the fund settlement server according to the query request, where the query feedback includes information indicating that the mobile device using the target phone number is powered off, or the query feedback includes information for information indicating that the mobile device is in a power-on state and a matching result between the location where the target phone number is currently located and the at least one target location, so that the fund settlement server determines whether the current transaction needs to be terminated based on the query feedback . 24. A fund clearing server, comprising: processor; and memory arranged to store computer-executable instructions that, when executed, use the processor to: When it is determined that the geographical location information related to the phone number is authorized to be used, at least one target expected location is obtained, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is the same as the bank used in the current transaction account binding; matching the transaction location when the current transaction is initiated with the at least one target expected location; It is determined whether to terminate the current transaction based on the matching result. 25. An operator server, comprising: processor; and memory arranged to store computer-executable instructions that, when executed, use the processor to: receiving a query request sent by the fund clearing server, the query request includes a target phone number, the query request is used to query at least one target expected location, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction; sending query feedback to the funds settlement server, the query feedback including the target phone number and the at least one target expected location, so that the funds settlement server A matching result of matching with a target expected location determines whether to terminate the current transaction. 26. A fund settlement server, comprising: processor; and memory arranged to store computer-executable instructions that, when executed, use the processor to: Sending a query request to the operator server to which the target phone number belongs, the query request including the target phone number and at least one target location related to the current transaction, the target phone number is bound to the bank account number used in the current transaction; receiving query feedback sent by the operator server for the query request, the query feedback including information indicating that the mobile device using the target phone number is powered off, or the query feedback including information indicating that the The information that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location; It is determined whether to terminate the current transaction based on the query feedback. 27. An operator server, comprising: processor; and memory arranged to store computer-executable instructions that, when executed, use the processor to: Receive a query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction; According to the query request, send query feedback to the fund clearing server, where the query feedback includes information indicating that the mobile device using the target phone number is powered off, or the query feedback includes information indicating that the The information that the mobile device is turned on and the matching result between the current location of the target phone number and the at least one target location, so that the fund settlement server determines whether the current transaction needs to be terminated based on the query feedback. 28. A computer-readable medium storing one or more programs that, when executed by a funds settlement server including a plurality of application programs, cause the funds settlement server to execute Do the following: When it is determined that the geographical location information related to the phone number is authorized to be used, at least one target expected location is obtained, the at least one target expected location is the location where the target phone number is expected to be located, and the target phone number is the same as the bank used in the current transaction account binding; matching the transaction location when the current transaction is initiated with the at least one target expected location; It is determined whether to terminate the current transaction based on the matching result. 29. A computer-readable medium storing one or more programs that, when executed by an operator server comprising a plurality of application programs, cause the operator server to perform Do the following: receiving a query request sent by the fund clearing server, the query request includes a target phone number, the query request is used to query at least one target expected location, and the at least one target expected location is the expected location of the target phone number, The target phone number is bound to the bank account number used in the current transaction; sending query feedback to the funds settlement server, the query feedback including the target phone number and the at least one target expected location, so that the funds settlement server A matching result of matching with a target expected location determines whether to terminate the current transaction. 30. A computer-readable medium storing one or more programs that, when executed by a funds settlement server including a plurality of application programs, cause the funds settlement server to execute Do the following: Sending a query request to the operator server to which the target phone number belongs, the query request including the target phone number and at least one target location related to the current transaction, the target phone number is bound to the bank account number used in the current transaction; receiving query feedback sent by the operator server for the query request, the query feedback including information indicating that the mobile device using the target phone number is powered off, or the query feedback including information indicating that the The information that the mobile device is turned on and the matching result of the location where the target phone number is currently located and the at least one target location; It is determined whether to terminate the current transaction based on the query feedback. 31. A computer-readable medium storing one or more programs that, when executed by an operator server comprising a plurality of application programs, cause the operator server to perform Do the following: Receive a query request sent by the fund clearing server, the query request includes a target phone number and at least one target location related to the current transaction, and the target phone number is bound to the bank account number used in the current transaction; According to the query request, send query feedback to the fund clearing server, where the query feedback includes information indicating that the mobile device using the target phone number is powered off, or the query feedback includes information indicating that the The information that the mobile device is turned on and the matching result between the current location of the target phone number and the at least one target location, so that the fund settlement server determines whether the current transaction needs to be terminated based on the query feedback.