CN111160845A - Service processing method and device - Google Patents
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- CN111160845A CN111160845ACN201911242200.7ACN201911242200ACN111160845ACN 111160845 ACN111160845 ACN 111160845ACN 201911242200 ACN201911242200 ACN 201911242200ACN 111160845 ACN111160845 ACN 111160845A
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Abstract
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method and an apparatus for processing a service.
Background
With the change of the habit of the application scene of the life of the client, the resource application service is upgraded and changed in the aspects of technology, mode and concept. The current resource application generally has the following forms: firstly, a user applies for resources on a portal website, a mobile phone service end and the like of a resource provider, the method depends on the own scientific and technological strength of the resource provider, the reached user group is limited, and the user can automatically apply for the resources on the related channels of the resource provider under the condition that the user has resource requirements. Secondly, the resource provider authorizes the resources to be placed on a third-party platform, and a third-party platform user applies for the resources according to the own resource requirements, the mode depends on the technical and technical strength of the resource provider and the third-party platform, if the resource provider wants to expand the own resource service scene, the resource provider needs to cooperate with the third-party platform one by one and repeat an API (application program interface) calling process, and the infrastructure and construction cost are increased progressively according to the cooperation quantity. And thirdly, the resource provider expands resource services on the small program, but at present, only after the user arrives at the small program, the user submits resource application on line, related staff contact the user off line to carry out subsequent authentication matters, the small program breaks away from a specific resource service scene, and in addition, in order to ensure the security of application transaction, the user needs to independently complete complicated identity identification processes such as user registration, user authentication and the like after entering the small program.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
in the prior art: the user group reached by one touch is limited; in the second mode, the resource provider and the third-party platform need to provide services respectively when cooperating, and the research and development cost is high; the applet in the third mode is separated from a specific resource service scene, the resource application is still carried out on line, and the user needs to independently complete the complicated processes of registration, authentication login and the like after entering the applet.
Disclosure of Invention
In view of this, embodiments of the present invention provide a service processing method and apparatus, which can overcome the defect that a reachable user group is limited, and only one online resource application procedure needs to be implemented for different cooperation platforms for one resource, instead of providing services for each cooperation platform, so as to save research and development costs.
To achieve the above object, according to an aspect of an embodiment of the present invention, a service processing method is provided.
A service processing method comprises the following steps: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of the currently logged-in cooperation platform; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end small program and comprises token information used for the service end small program to perform login authentication on the user; according to the identity verification information of the user sent by the service end small program, carrying out security verification on the identity of the user; and after the user identity passes the safety verification, performing service processing according to a service flow corresponding to the service type.
Optionally, the service request is used for requesting to measure and calculate an available quota of a resource currently applied by the user; before the step of returning the graphic code to the cooperation platform, the method comprises the following steps: acquiring relevant data of the user according to the user identity information, and measuring and calculating the available quota of the current resource application of the user according to the relevant data of the user; generating a resource pre-approval scheme of the user according to the measured available limit and the relevant constraint information of the resource; generating the token information according to the user identity information, the service type and the resource pre-examination and approval scheme number; and generating the graphic code according to the path information of the service end small program and the token information.
Optionally, the identity verification information includes the token information and first verification information obtained by the service-side applet, where the token information is obtained by the service-side applet parsing the graphic code; the performing security check on the user identity according to the identity check information of the user sent by the service end applet comprises: according to the token information, identity information verification is carried out on the user, and according to the user identity information and the first verification information, first safety verification with the safety level higher than that of the identity information verification is carried out; wherein the user identity information is obtained according to the token information, and the first verification information includes at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
Optionally, the method further comprises: receiving a user identifier of the user on a platform to which the service-side applet belongs, which is sent by the service-side applet; after the user identity passes the security check, the method further comprises the following steps: and binding the user identification with the user identity information.
Optionally, the performing service processing according to the service flow corresponding to the service type includes: acquiring a resource pre-approval scheme of the user according to the resource pre-approval scheme number in the token information; sending the acquired resource pre-approval scheme to the service-side applet; and after the service end small program returns the confirmation information of the user about the resource pre-approval scheme, processing the resource application, and returning the processing result to the service end small program.
According to another aspect of the embodiments of the present invention, a service processing apparatus is provided.
A traffic processing apparatus, comprising: the service request receiving module is used for receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information currently logged in the cooperation platform; the graphic code returning module is used for returning a graphic code to the cooperation platform, the graphic code is used for jumping to a service end small program, and the graphic code comprises token information used for the service end small program to perform login authentication on the user; the identity verification module is used for performing security verification on the identity of the user according to the identity verification information of the user sent by the service end applet; and the service processing module is used for processing the service according to the service flow corresponding to the service type after the user identity passes the safety check.
Optionally, the service request is used for requesting to measure and calculate an available quota of a resource currently applied by the user; the apparatus further comprises a graphic code generation module configured to: acquiring relevant data of the user according to the user identity information, and measuring and calculating the available quota of the current resource application of the user according to the relevant data of the user; generating a resource pre-approval scheme of the user according to the measured available limit and the relevant constraint information of the resource; generating the token information according to the user identity information, the service type and the resource pre-examination and approval scheme number; and generating the graphic code according to the path information of the service end small program and the token information.
Optionally, the identity verification information includes the token information and first verification information obtained by the service-side applet, where the token information is obtained by the service-side applet parsing the graphic code; the identity verification module is further configured to: according to the token information, identity information verification is carried out on the user, and according to the user identity information and the first verification information, first safety verification with the safety level higher than that of the identity information verification is carried out; wherein the user identity information is obtained according to the token information, and the first verification information includes at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
Optionally, the apparatus further comprises a data receiving module, configured to: receiving a user identifier of the user on a platform to which the service-side applet belongs, which is sent by the service-side applet; the identity verification module is further configured to: and binding the user identification with the user identity information.
Optionally, the service processing module is further configured to: acquiring a resource pre-approval scheme of the user according to the resource pre-approval scheme number in the token information; sending the acquired resource pre-approval scheme to the service-side applet; and after the service end small program returns the confirmation information of the user about the resource pre-approval scheme, processing the resource application, and returning the processing result to the service end small program.
According to yet another aspect of an embodiment of the present invention, an electronic device is provided.
An electronic device, comprising: one or more processors; a memory for storing one or more programs, which when executed by the one or more processors, cause the one or more processors to implement the service processing method provided by the embodiments of the present invention.
According to yet another aspect of an embodiment of the present invention, a computer-readable medium is provided.
A computer-readable medium, on which a computer program is stored, which, when executed by a processor, implements a service processing method provided by an embodiment of the present invention.
One embodiment of the above invention has the following advantages or benefits: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login cooperation platform; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end applet, and the graphic code comprises token information used for the service end applet to perform login authentication on the user; according to the identity verification information of the user sent by the service end small program, the identity of the user is safely verified; and after the user identity passes the safety verification, performing service processing according to the service flow corresponding to the service type. The online resource application method and the online resource application system can overcome the defect that the reached user group is limited, only one online resource application process is needed to be realized for different cooperation platforms aiming at one resource, services are not needed to be provided for each cooperation platform, research and development cost is saved, the whole online resource application process can be completed based on the cooperation platforms and the small programs, and complicated processes of repeated registration, authentication login and the like of the user on the small programs are avoided.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of main steps of a service processing method according to an embodiment of the present invention;
FIG. 2 is a schematic diagram illustrating an interaction flow between a third party platform and a bank side according to an embodiment of the present invention;
FIG. 3 is a diagram illustrating the interaction flow between the applet and the bank background according to an embodiment of the invention;
FIG. 4 is a schematic diagram of the main modules of a service processing apparatus according to one embodiment of the present invention;
FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 6 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Fig. 1 is a schematic diagram of main steps of a service processing method according to an embodiment of the present invention.
As shown in fig. 1, the service processing method according to an embodiment of the present invention mainly includes the following steps S101 to S104.
Step S101: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of a current login cooperation platform;
step S102: returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end applet, and the graphic code comprises token information used for the service end applet to perform login authentication on the user;
step S103: according to the identity verification information of the user sent by the service end small program, the identity of the user is safely verified;
step S104: and after the user identity passes the safety verification, performing service processing according to the service flow corresponding to the service type.
The service processing method of the embodiment of the invention can be executed by the server of the resource provider, and the resource can be financial resources such as loan and the like, and can also be other resources suitable for similar application processes. Taking a loan as an example, the resource provider is a bank, for example. The collaboration platform is a third party platform that collaborates with the resource provider.
The service type indicates the resource (such as a certain loan product) and the service scene of a specific application, and in the embodiment of the invention, the service scene is the resource application.
The user can be a user authenticated by the cooperation platform, and the user identity information can comprise the name, identification number and other information of the user.
The graphic code is, for example, a two-dimensional code. The two-dimensional code records data symbol information by black and white alternate graphs issued by a certain specific geometric figure on a plane (in a two-dimensional direction) according to a certain rule; in coding, the concept of '0' and '1' bit stream forming the internal logic basis of computer is used, several geometric shapes corresponding to binary system are used to represent literal numerical information, and the information is automatically read by image input equipment or photoelectric scanning equipment so as to implement automatic information processing.
An applet is an application that can be opened with an applet service platform (e.g., a WeChat) without downloading the installation, and the user can use it by scanning or searching nearby directly. The service-side applet of the present example may be a WeChat applet.
In one embodiment, the service request is used for requesting to measure and calculate the available quota of the resource currently applied by the user.
The service request further includes collaboration platform information indicating which collaboration platform is specific, which may be a collaboration platform identifier or other information representative of the collaboration platform.
In one embodiment, the step of returning the graphical code to the collaboration platform is preceded by: acquiring relevant data of a user according to the identity information of the user, and measuring and calculating the available quota of the current resource application of the user according to the relevant data of the user; generating a resource pre-approval scheme of the user according to the measured available limit and the related constraint information of the resource; generating token information according to the user identity information, the service type and the resource pre-examination and approval scheme number; and generating a graphic code according to the path information and the token information of the service end applet.
Preferably, the data used to generate the token information may include collaboration platform information in addition to user identity information, type of service, resource approval scheme number.
Preferably, the data used to generate the graphic code may include valid start and end times of the token information in addition to the path information and the token information of the service end applet.
In another embodiment, the step of returning the graphical code to the collaboration platform is preceded by: acquiring relevant data of a user according to the identity information of the user, and measuring and calculating the available quota of the current resource application of the user according to the relevant data of the user; generating a resource pre-approval scheme of the user according to the measured available limit and the related constraint information of the resource; generating token information according to the user identity information, the cooperation platform information, the service type and the resource pre-examination and approval scheme number; and generating a graphic code according to the path information, the token information and the effective start-stop time of the token information of the service end applet.
The related data of the user is some data of the user which can be used for measuring and calculating the available quota of the resource currently applied by the user, and the data resource providers can be stored in advance or acquired by calling a specific interface. For example, the data associated with the user may be data reflecting the property status of the user.
The related constraint information of the resource refers to information constrained by the property of the resource itself, taking the loan as an example, the property of the loan such as interest rate and term is constrained, so the related constraint information of the loan may include the loan interest rate and the loan term.
In one embodiment, the return of the graphical code to the collaboration platform is based on a response to a specific request initiated by a user through the collaboration platform. For example, a user clicks a page button for acquiring a graphic code on a cooperation platform, the cooperation platform is triggered to initiate a request for acquiring the graphic code to the server in the embodiment of the present invention, and the server in the embodiment of the present invention responds to the request and returns the graphic code to the cooperation platform.
In another embodiment, the server of the embodiment of the present invention may actively send the graphic code to the collaboration platform after generating the graphic code.
The identity verification information may include token information and first verification information acquired by the service-side applet, where the token information is obtained by the service-side applet by parsing the graphic code. The first verification information includes at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
Biometric information such as fingerprint, iris, etc. The specified medium, such as a medium provided by the resource provider to the user and bound to the user identity, for example, the specified medium may be a bank card, a U shield, or the like, and accordingly, the specified medium authentication information may be bank card authentication information, U shield authentication information, or the like.
In one embodiment, the performing security check on the user identity according to the identity check information of the user sent by the service-side applet includes: according to the token information, identity information verification is carried out on the user, and according to the user identity information and the first verification information, first safety verification with the safety level higher than that of the identity information verification is carried out; wherein the user identity information is obtained according to the token information.
In one embodiment, further comprising: and receiving the user identification of the user on the platform to which the service end small program belongs, which is sent by the service end small program. And after the user identity passes the security check, the method further comprises the following steps: and binding the user identification with the user identity information.
The service-side applet belongs to a platform, i.e. an applet service platform, such as a wechat platform, and accordingly, the user identification may be a wechat ID (identification) of the user. And the user identification and the user identity information are bound under the condition of passing the verification, so that the identity contact and the safety of the user are ensured, and the complicated processes of re-registering and identity authentication when the user is across platforms are avoided.
In one embodiment, the performing service processing according to a service flow corresponding to a service type includes: acquiring a resource pre-approval scheme of the user according to the resource pre-approval scheme number in the token information; sending the acquired resource pre-approval scheme to a service-side small program; and after the service end small program returns the confirmation information of the user about the resource pre-approval scheme, processing the resource application, and returning a processing result to the service end small program.
The following describes the business processing flow of the embodiment of the present invention in detail by taking resources as loans, resource providers as banks, and business processing as processing for applying for loans as examples.
Currently, banks increasingly migrate their own business from bank apps (application programs) to applets, and in the prior art, bank loan products are expanded on applets, that is, after a user arrives at an applet, the user submits a loan application on line, and related staff and the loan user contact each other off line to perform subsequent authentication matters. Such loan applets usually depart from a specific loan scene, and in addition, in order to ensure the security of application transactions, users generally need to independently complete cumbersome identity identification processes such as user registration, user authentication and the like after entering the applets.
The embodiment of the invention firstly links up the loan scene of a specific third-party platform, the user obtains the bank pre-granted credit limit in the loan scene by calling the bank open API (application program interface), and then the bank pre-granted credit limit is guided to the small program of the bank through the two-dimensional code. The credit line is a flexible, convenient and recyclable credit product provided by the bank to the client, and short-term credit can be provided to the client quickly no matter the accumulated issuing amount and the issuing times as long as the credit balance does not exceed the corresponding business variety index.
The two-dimension code of the embodiment of the invention consists of a specific applet path and a parameter token, a user can be directly guided to a loan application page, and meanwhile, the user can be directly identified with user identity information in the applet for subsequent operation of loan application, so that the user is prevented from logging in again by using a user name and a password, the user can be seamlessly connected on different platforms, and the security of user operation is ensured by relying on token verification. The embodiment of the invention ensures that the connection between bank loan and service scenes is tighter, and the invention is obviously improved in convenience and high efficiency.
In addition, a bank completes the business flow of the general loan application on the applet, and cooperates with a third-party platform to complete the amount measurement and calculation on the third-party platform, for a user obtaining the pre-granted credit amount, the user is guided to jump to the applet of the general loan application in a two-dimensional code jumping mode, the identity information of the user is verified according to token through token parameter information in the two-dimensional code, then face recognition is carried out on the applet once, the subsequent steps of loan application can be continued after the recognition is passed, and the step of registering and logging in the user is omitted.
The embodiment of the invention ensures that a bank only needs to realize one-time online loan process for specific loan products, and does not need to provide services for each third-party partner respectively. The small program service platforms such as WeChat and the like are already applied to most mobile terminal operating systems, so that the application range of the small program is wide, and the same small program can be associated with different third party platforms. Therefore, the bank can pay more attention to business scene linking and customer drainage, and research and development costs of the same loan product on different platforms are saved. In addition, the user identity information transmission is also considered in the interaction process of each party, the user identity information can be obtained through token information of the two-dimensional code, and the process that the user repeatedly registers and logs in on a small bank program is omitted.
Fig. 2 is a schematic diagram illustrating an interaction flow between a third party platform and a bank side according to an embodiment of the present invention.
As shown in fig. 2, the user is a user authenticated by real name on the third-party platform, and the loan requirement is triggered in a certain scenario, for example, the user clicks the quota calculation on the third-party platform, then the third-party platform will send a quota calculation request to the bank end in a manner of calling the bank open API (S201), where the quota calculation request includes user identity information, service type, and information of the third-party platform. The bank open API acquires credit information from a bank background by inquiring credit information service (S202, S203), the credit information is bank pre-credit loan amount (available amount of a user) returned by the bank background according to the client property condition, the amount information is obtained by the bank through scoring by a scoring card and measuring and calculating according to the client property condition and an approval business rule, and a loan pre-approval scheme based on the user identity is generated based on the available amount, the loan interest rate, the loan term and the like. The bank open API returns the line information to the third party platform (S204), where the line information is returned in real time with the loan approval scheme. The third party platform sends a request for obtaining the two-dimensional code to a bank end (S205), a bank open API obtains a token from a bank background (S206), the bank background generates the token based on user identity information, third party platform information, a service type and a credit granting number (namely a loan pre-examination and approval scheme number) and stores the user information and credit granting information (amount information) (S207), the bank background returns the generated token (S208), and when the token is returned, the effective start time and the effective end time of the token are also returned. The bank open API combines the applet path URL (uniform resource locator), token, valid start time, and valid end time into a dynamic two-dimensional code and returns the dynamic two-dimensional code to the third-party platform (S209). When the user checks the loan pre-examination and approval scheme on the third-party platform, the page of the third-party platform displays the dynamic two-dimensional code returned by the bank open API.
Fig. 3 is a schematic diagram illustrating the interaction flow between the applet end and the bank background according to an embodiment of the present invention.
As shown in fig. 3, a user scans a two-dimensional code on a third-party platform by using WeChat according to a third-party platform page prompt, opens a face recognition page of a specific applet according to an analyzed applet URL, and an applet terminal acquires a WeChat ID of the user and also acquires a parameter token by analysis (S301). The user records a section of face video according to the prompt, and the applet transmits the WeChat ID, token information and the face video to the bank background through the bank open API (S302). The bank background checks the user identity information according to the token, checks the face recognition with higher security level again according to the user identity information and the user face video, and binds the WeChat ID with the user identity information after the face recognition is passed (S303). And the bank background returns the verification result of the step S303 to the bank open API, and the verification result is returned to the front end of the applet by the API, and the returned information comprises the face recognition result and the loan scheme information (S304). The loan scheme information is the user's loan pre-approval scheme obtained according to the loan pre-approval scheme number in the token information. The user checks the fact that the face recognition passes through the applet and directly enters the subsequent loan application signing process of the user, specifically, the user confirms detailed loan scheme information according to a loan pre-approval scheme in the applet, authorizes a bank background to perform credit investigation and confirm signing, the applet end sends the confirmation information of the user on the loan pre-approval scheme to the bank background (S305), and the bank background performs loan signing and account opening after obtaining the confirmation information and returns a loan signing result (S306), wherein the loan signing and account opening information comprises the detailed loan signing and account opening information.
According to the embodiment of the invention, based on the two-dimensional code, the user jumps to the applet, and meanwhile can acquire the identity information of the client and the pre-credit loan scheme information of the client according to the token, the user transmits the WeChat ID, the token and the face recorded video at the applet side, the bank background automatically acquires the user information, the face recognition and verification are carried out, and the WeChat ID and the user identity information are bound under the condition that the verification is passed, so that the identity contact and the safety of the user are ensured, and the complicated processes of re-registration and identity authentication when the user usually crosses the platform are avoided. The user directly confirms the loan application on the small program, and the bank background returns the contract information of successful loan.
And the user arrives at a loan application page through a specific loan scene on a third-party cooperation platform, a bank background returns a loan preauthorization credit amount scheme, and the bank background returns token for identity verification. And the open bank API provides the two-dimensional code with the valid period according to the small program URL and token. And skipping to a bank applet from an external third-party platform, acquiring user information according to the token, avoiding user registration and identity information input, and ensuring the safety of the user loan information through face recognition. Besides the safety verification of the user identity through face recognition, the embodiment of the invention can also perform the safety verification of the user identity through inputting a bank reserved mobile phone number by the user, or through short message verification code verification, bank card verification, U shield verification or other biological recognition modes (fingerprints, irises and the like).
Fig. 4 is a schematic diagram of main modules of a service processing apparatus according to an embodiment of the present invention.
As shown in fig. 4, aservice processing apparatus 400 according to an embodiment of the present invention mainly includes: a servicerequest receiving module 401, a graphiccode returning module 402, anidentity checking module 403, and aservice processing module 404.
A servicerequest receiving module 401, configured to receive a service request sent by a cooperation platform, where the service request includes a service type and user identity information of a current login cooperation platform;
the graphiccode returning module 402 is configured to return a graphic code to the cooperation platform, where the graphic code is used to jump to the service-side applet, and the graphic code includes token information used for the service-side applet to perform login authentication on the user;
theidentity verification module 403 is configured to perform security verification on the identity of the user according to the identity verification information of the user sent by the service end applet;
and theservice processing module 404 is configured to perform service processing according to a service flow corresponding to the service type after the user identity passes the security check.
In one embodiment, the service request may be used to request to measure and calculate an available quota of a resource currently applied by the user, and the service request further includes the cooperation platform information.
The service processing apparatus may further include a graphic code generation module, and in one embodiment, the graphic code generation module is configured to: acquiring relevant data of a user according to the identity information of the user, and measuring and calculating the available quota of the current resource application of the user according to the relevant data of the user; generating a resource pre-approval scheme of the user according to the measured available limit and the related constraint information of the resource; generating token information according to the user identity information, the cooperation platform information, the service type and the resource pre-examination and approval scheme number; and generating a graphic code according to the path information, the token information and the effective start-stop time of the token information of the service end applet.
In another embodiment, the graphic code generation module is to: acquiring relevant data of a user according to the identity information of the user, and measuring and calculating the available quota of the current resource application of the user according to the relevant data of the user; generating a resource pre-approval scheme of the user according to the measured available limit and the related constraint information of the resource; generating token information according to the user identity information, the service type and the resource pre-examination and approval scheme number; and generating a graphic code according to the path information and the token information of the service end applet.
The identity verification information may include token information and first verification information acquired by the service-side applet, where the token information is obtained by the service-side applet by parsing the graphic code.
Theidentity verification module 403 may specifically be configured to: according to the token information, identity information verification is carried out on the user, and according to the user identity information and the first verification information, first safety verification with the safety level higher than that of the identity information verification is carried out; the user identity information is obtained according to the token information, and the first verification information comprises at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
Theservice processing apparatus 400 may further include a data receiving module, configured to: and receiving the user identification of the user on the platform to which the service end small program belongs, which is sent by the service end small program.
Theidentity check module 403 may also be used to: and binding the user identification of the user on the platform to which the service end applet belongs with the user identity information.
In an embodiment, theservice processing module 404 may be specifically configured to: acquiring a resource pre-approval scheme of the user according to the resource pre-approval scheme number in the token information; sending the acquired resource pre-approval scheme to a service-side small program; and after the service end small program returns the confirmation information of the user about the resource pre-approval scheme, processing the resource application, and returning a processing result to the service end small program.
In addition, the specific implementation content of the service processing apparatus in the embodiment of the present invention has been described in detail in the above service processing method, so that repeated content herein is not described again.
Fig. 5 shows anexemplary system architecture 500 of a service processing method or a service processing apparatus to which an embodiment of the present invention may be applied.
As shown in fig. 5, thesystem architecture 500 may includeterminal devices network 504, and aserver 505. Thenetwork 504 serves to provide a medium for communication links between theterminal devices server 505.Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use theterminal devices server 505 over anetwork 504 to receive or send messages or the like. Theterminal devices
Theterminal devices
Theserver 505 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using theterminal devices
It should be noted that the service processing method provided by the embodiment of the present invention is generally executed by theserver 505, and accordingly, the service processing apparatus is generally disposed in theserver 505.
It should be understood that the number of terminal devices, networks, and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 6, shown is a block diagram of acomputer system 600 suitable for use in implementing a terminal device or server of an embodiment of the present application. The terminal device or the server shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present application.
As shown in fig. 6, thecomputer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from astorage section 608 into a Random Access Memory (RAM) 603. In theRAM 603, various programs and data necessary for the operation of thesystem 600 are also stored. TheCPU 601,ROM 602, andRAM 603 are connected to each other via abus 604. An input/output (I/O)interface 605 is also connected tobus 604.
The following components are connected to the I/O interface 605: aninput portion 606 including a keyboard, a mouse, and the like; anoutput portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; astorage section 608 including a hard disk and the like; and acommunication section 609 including a network interface card such as a LAN card, a modem, or the like. Thecommunication section 609 performs communication processing via a network such as the internet. Thedriver 610 is also connected to the I/O interface 605 as needed. Aremovable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on thedrive 610 as necessary, so that a computer program read out therefrom is mounted in thestorage section 608 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through thecommunication section 609, and/or installed from theremovable medium 611. The above-described functions defined in the system of the present application are executed when the computer program is executed by the Central Processing Unit (CPU) 601.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present application, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprises a service request receiving module, a graphic code returning module, an identity checking module and a service processing module. The names of these modules do not constitute a limitation to the module itself in some cases, for example, the service request receiving module may also be described as a "module for receiving a service request sent by the collaboration platform".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of the currently logged-in cooperation platform; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end small program and comprises token information used for the service end small program to perform login authentication on the user; according to the identity verification information of the user sent by the service end small program, carrying out security verification on the identity of the user; and after the user identity passes the safety verification, performing service processing according to a service flow corresponding to the service type.
According to the technical scheme of the embodiment of the invention, a service request sent by a cooperation platform is received, wherein the service request comprises a service type and user identity information of a current login cooperation platform; returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end applet, and the graphic code comprises token information used for the service end applet to perform login authentication on the user; according to the identity verification information of the user sent by the service end small program, the identity of the user is safely verified; and after the user identity passes the safety verification, performing service processing according to the service flow corresponding to the service type. The online resource application method and the online resource application system can overcome the defect that the reached user group is limited, only one online resource application process is needed to be realized for different cooperation platforms aiming at one resource, services are not needed to be provided for each cooperation platform, research and development cost is saved, the whole online resource application process can be completed based on the cooperation platforms and the small programs, and complicated processes of repeated registration, authentication login and the like of the user on the small programs are avoided.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A method for processing a service, comprising:
receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information of the currently logged-in cooperation platform;
returning a graphic code to the cooperation platform, wherein the graphic code is used for jumping to a service end small program and comprises token information used for the service end small program to perform login authentication on the user;
according to the identity verification information of the user sent by the service end small program, carrying out security verification on the identity of the user;
and after the user identity passes the safety verification, performing service processing according to a service flow corresponding to the service type.
2. The method according to claim 1, wherein the service request is used to request to measure the available credit of the currently applied resource of the user;
before the step of returning the graphic code to the cooperation platform, the method comprises the following steps:
acquiring relevant data of the user according to the user identity information, and measuring and calculating the available quota of the current resource application of the user according to the relevant data of the user;
generating a resource pre-approval scheme of the user according to the measured available limit and the relevant constraint information of the resource;
generating the token information according to the user identity information, the service type and the resource pre-examination and approval scheme number;
and generating the graphic code according to the path information of the service end small program and the token information.
3. The method according to claim 2, wherein the identity verification information includes the token information and first verification information obtained by the service-side applet, and the token information is obtained by the service-side applet parsing the graphic code;
the performing security check on the user identity according to the identity check information of the user sent by the service end applet comprises:
according to the token information, identity information verification is carried out on the user, and according to the user identity information and the first verification information, first safety verification with the safety level higher than that of the identity information verification is carried out; wherein the user identity information is obtained according to the token information, and the first verification information includes at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
4. The method of claim 3, further comprising:
receiving a user identifier of the user on a platform to which the service-side applet belongs, which is sent by the service-side applet;
after the user identity passes the security check, the method further comprises the following steps:
and binding the user identification with the user identity information.
5. The method according to claim 2, wherein said performing the service processing according to the service flow corresponding to the service type includes:
acquiring a resource pre-approval scheme of the user according to the resource pre-approval scheme number in the token information;
sending the acquired resource pre-approval scheme to the service-side applet;
and after the service end small program returns the confirmation information of the user about the resource pre-approval scheme, processing the resource application, and returning the processing result to the service end small program.
6. A traffic processing apparatus, comprising:
the service request receiving module is used for receiving a service request sent by a cooperation platform, wherein the service request comprises a service type and user identity information currently logged in the cooperation platform;
the graphic code returning module is used for returning a graphic code to the cooperation platform, the graphic code is used for jumping to a service end small program, and the graphic code comprises token information used for the service end small program to perform login authentication on the user;
the identity verification module is used for performing security verification on the identity of the user according to the identity verification information of the user sent by the service end applet;
and the service processing module is used for processing the service according to the service flow corresponding to the service type after the user identity passes the safety check.
7. The apparatus of claim 6, wherein the service request is used to request to measure the available credit of the resource currently requested by the user;
the apparatus further comprises a graphic code generation module configured to:
acquiring relevant data of the user according to the user identity information, and measuring and calculating the available quota of the current resource application of the user according to the relevant data of the user;
generating a resource pre-approval scheme of the user according to the measured available limit and the relevant constraint information of the resource;
generating the token information according to the user identity information, the service type and the resource pre-examination and approval scheme number;
and generating the graphic code according to the path information of the service end small program and the token information.
8. The apparatus according to claim 7, wherein the identity check information includes the token information and first check information obtained by the service-side applet, and the token information is obtained by the service-side applet parsing the graphic code;
the identity verification module is further configured to:
according to the token information, identity information verification is carried out on the user, and according to the user identity information and the first verification information, first safety verification with the safety level higher than that of the identity information verification is carried out; wherein the user identity information is obtained according to the token information, and the first verification information includes at least one of the following information: face identification information, biological identification information, reserved contact information, short message verification codes and specified medium verification information.
9. An electronic device, comprising:
one or more processors;
a memory for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method recited in any of claims 1-5.
10. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-5.
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