TWM626126U - System for processing financial transaction verification data - Google Patents

Abstract

A system for processing financial transaction verification data is provided. When a verification system receives a transaction verification request from a user device, a one-time-password and a challenge code are generated. The challenge code is transmitted to the user device. The one-time-password, the challenge code and a user contact data are transmitted to a message publication and subscription system. After that, a short message service (SMS) platform obtains the one-time-password, the challenge code and user contact data so as to connect with a telecommunication system. Therefore, according to the process result between the SMS platform and the telecommunication system, the verification system can verify the transaction data which is transmitted from the user device. In addition, a circuit breaking mechanism may be activated for a one-time-password verification service platform to direct connect with the SMS platform for transmitting the verification data to the user device when the message publication and subscription system is failure.

Description

Financial transaction verification data processing system

The specification discloses a technology for verifying financial transactions, especially a financial transaction verification data processing system that establishes a mechanism for sending verification short messages in the verification system.

When current users operate online transactions, in order to avoid illegal transactions due to theft of credit card numbers or online banking services, it is common for financial institutions to use binding user devices (such as mobile devices) to verify the identity of the person who executes the transaction. The user's portable mobile device confirms that the current transaction is from the user himself.

The current transaction verification system and process are listed here. As shown in FIG. 1 , when a user operates a user device 100 to execute an online transaction, when a credit card number is filled in to perform payment or a non-contracted transfer service of online banking is used , this transaction verification will be required on the transaction webpage. A common practice is for financial institutions to pass a one-time password (OTP) to the mobile device bound to the user through the SMS system, so that the user can log in the transaction webpage. Entering this one-time password confirms that the trader is the user himself.

According to the verification method of the online transaction described above, as shown in FIG. 1 , there is a verification system 10 on the financial institution side. The current practice is to provide a front-end system 12 to receive the transaction sent by the user device 100 at the end of the transaction. The verification request is to call the internal one-time password verification service platform 14 to generate a one-time password for this transaction (step S101 ). The one-time password verification service platform 14 will use an application programming interface (API) The form is connected in series with a short message sending platform 16 at the back end. When the one-time password verification service platform 14 generates a one-time password for this transaction, it requests the short message sending platform 16 to send a one-time password short message (step S103 ), and the short message sending platform 16 transmits the one-time password to the external telecommunication company by the short message. In the system 18 (step S105 ), the external telecommunication business system 18 transmits the one-time password to the user device 100 as a short message, and the telecommunication business system 18 also returns the execution result to the short message sending platform 16 of the verification system 10 (step S107 ), and the short message The sending platform 16 then returns a message indicating whether the telecommunication business system 18 has received a request to send a short message to the one-time password verification service platform 14 (step S109 ), and then the one-time password verification service platform 14 returns a challenge code ( challenge code) to the front-end system 12 (step S111 ), providing the front-end system 12 to process the subsequent verification procedure performed by the user according to the received short message. Finally, the one-time password verification service platform 14 writes the generated one-time password calculation parameters into the one-time password database 19 in the verification system 10 (step S113 ).

However, in the conventional transaction verification method shown in FIG. 1, when the short message sending platform 16 sends the short message including the one-time password to the telecommunication business system 18, if a situation occurs and the transmission cannot be performed normally, the short message sending platform 16 cannot receive the message. The reply from the telecommunication business system 18 causes a timeout, and the one-time password verification service platform 14 of the verification system 10 will repeatedly generate a one-time password after the timeout (timeout), and the communication between the SMS sending platform 16 and the telecommunication business system 18 will Continue to negotiate. In this way, when the problem is not solved, the above procedure may cause the threads available to the one-time password verification service platform 14 to be gradually exhausted, thereby causing the front-end system 12 in the verification system 10 to subsequently send the one-time password verification service platform 14 . The one-time password verification request (OTP request) has no resources available, which ultimately prevents the user from completing the transaction verification.

In view of the problem of resource exhaustion in the current technology due to the fact that the one-time password verification service platform of the financial institution cannot normally send the one-time password short message when the financial institution performs transaction verification, the disclosure document proposes a new financial transaction verification data processing system. , A message publishing and subscription system is proposed in the verification system on the financial institution side, and a mechanism for publishing one-time password short messages is established within the verification system to eliminate the above problems.

According to the embodiment of the financial transaction verification data processing system, a verification system in a financial institution is realized. The financial transaction verification data processing system is provided with a one-time password verification service platform. When a transaction verification request sent by a user device is received, the one-time password verification The service platform generates a verification data, and the verification data includes calculating the one-time password and the challenge code, and returns the challenge code to the user device.

The system is provided with a message publishing and subscription system, which is connected to the one-time password verification service platform, and receives the one-time password, challenge code and a user communication data from the one-time password verification service platform; and a short message sending platform, which is connected to the message publishing and subscription platform. The system obtains the one-time password, challenge code and user communication information from the message publishing and subscription system, and then transmits it to the telecommunication business system to complete the serial connection with the telecommunication business system. data to send a verification message.

Among them, when the verification system confirms the result of the connection between the SMS sending platform and the telecommunication company system according to the information in the message publishing and subscription system, and receives the transaction verification data from the user device, if the connection between the SMS sending platform and the telecommunication company system is successful, according to the transaction The verification data is compared with the verification data generated by the one-time password verification service platform for transaction verification.

Further, the verification system also includes a front-end system, and the verification system receives the transaction verification request sent by the user device through the front-end system, and can provide the user device to start a transaction verification interface according to a transaction program to display the verification system. The front-end system provides information to the user device to verify the transaction procedure, the verification system can also obtain transaction verification data from the user device through the transaction verification interface, and the user device also receives the challenge code through the front-end system.

Further, the financial transaction verification data processing system can also include an application log platform, which can be used to record the event log generated by the message publishing and subscription system processing the message, and then the verification system will parse the event log generated by the message publishing and subscription system. The password verification service platform 303 generates a one-time password SMS verification message record. When it is determined that an abnormal event occurs, an abnormal message is generated to notify the system monitoring and management system to issue an alarm message.

Further, when the one-time password verification service platform cannot write a message to the message publishing and subscribing system, or cannot confirm the connection result with the telecommunication company's system from the message publishing and subscribing system, an error code is generated, and the error code or An error message to the user device.

Further, when the message publishing and subscribing system cannot process the message normally, the verification system can also activate a circuit breaker mechanism, and the one-time password verification service platform can switch the connection to directly connect to the short message sending platform, and directly transmit the one-time password and challenge code. The verification data of the communication data with the user is sent to the SMS sending platform, and the process of transaction verification is continued.

In the financial transaction verification data processing method running in the system, when the user executes the verification step in the transaction program, the user device is operated to issue a transaction verification request through the transaction verification interface provided by the front-end system. The system receives this transaction verification request, and the one-time password verification service platform generates verification data, including the one-time password and the challenge code obtained by calculation, and then the challenge code is sent back to the user device, on the other hand, the one-time password, The challenge code and a user communication data are provided to the message publishing and subscribing system of the authentication system.

The short message sending platform obtains the one-time password, challenge code and user communication information from the message publishing and subscription system, and then transmits it to the telecommunication business system. The verification system can confirm the result of the connection between the SMS sending platform and the telecommunication company system according to the information in the message publishing and subscription system, and the transaction verification data received from the user's device. When the verification system receives the transaction verification data from the user, the verification system The generated verification data completes the transaction procedure.

For a further understanding of the features and technical contents of the present invention, please refer to the following detailed descriptions and drawings of the present invention. However, the drawings provided are only for reference and description, and are not intended to limit the present invention.

The following are specific specific examples to illustrate the implementation of the present invention, and those skilled in the art can understand the advantages and effects of the present invention from the content disclosed in this specification. This creation can be implemented or applied through other different specific embodiments, and various details in this specification can also be modified and changed based on different viewpoints and applications without departing from the concept of this creation. In addition, the drawings in this creation are only for simple schematic illustration, and are not drawn according to the actual size, and are stated in advance. The following embodiments will further describe the related technical contents of the present creation in detail, but the disclosed contents are not intended to limit the protection scope of the present creation.

It should be understood that although terms such as "first", "second" and "third" may be used herein to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are primarily used to distinguish one element from another element, or a signal from another signal. In addition, the term "or", as used herein, should include any one or a combination of more of the associated listed items, as the case may be.

In view of the problem of resource exhaustion in the current technology because the one-time password verification service platform in the financial institution performs transaction verification because the system cannot send the SMS of the one-time password normally and needs to deal with continuous timeout events, the disclosure book A financial transaction verification data processing system is proposed. In the proposed system, a message publishing and subscription system is mainly proposed in the verification system of the financial institution, and a mechanism for publishing one-time password short messages is established in the verification system. When the background of the verification system stops serving, it can be used interactively. The real-time network service and the message delivery technology of the message publishing and subscription system establish a circuit breaker mechanism, which can instantly alert to improve the availability of transaction verification services, and can efficiently restore complete services.

The main process of the method of the financial transaction verification data processing system proposed in the disclosure document is to set up a message publishing and subscription system in the verification system established by a specific institution or organization (such as a financial institution) that has transaction verification requirements, as shown in Figure 3 The message publishing and subscribing system 305 in the illustrated verification system 30, the embodiment flow of the financial transaction verification data processing method run by the message publishing and subscribing system 305 is shown in FIG. 2 .

Initially, when the user operates the user device to perform a transaction procedure, such as selecting a commodity or service on the e-commerce platform and deciding to place an order for purchase, the e-commerce platform will require input of user information, credit card or stored-value card information. information, or use online banking to enter a non-agreed account, at this time, the financial institution that provides payment services will verify the information, including confirming that the user is the one who executes the payment. At this time, a transaction verification interface will be activated on the user device, and a transaction verification request will be sent to the verification system of the financial institution. At the system end, the verification system will receive the transaction verification request (step S201 ), and then the verification system will generate verification data. , which includes calculating a one-time password (one-time password) and generating a challenge code (step S203).

The verification system first sends the challenge code back to the user device (step S205 ), and displays the challenge code from the transaction verification interface started on the user device. The user communication data that can be obtained from the financial institution is provided to the message publishing and subscription system (step S207), and the short message sending platform in the verification system can obtain the one-time password, challenge code and user communication data from the message publishing and subscription system (step S207). Step S209 ), and then provide the one-time password, challenge code and user communication data to the telecommunication company system, and confirm the success of the serial connection with the telecommunication company system according to the incoming and outgoing messages (step S211 ).

At this time, the telecommunication business system obtains the verification data provided by the verification system, and forms a verification message, which records the one-time password and challenge code. ) Send the verification system to provide the one-time password and challenge code for this transaction procedure to the electronic device on the user side. The electronic device may be the same as the user device that issued the transaction verification request this time, or it may be different from the user device mobile device. After that, the user compares the challenge code displayed on the transaction verification interface with the challenge code received, and after confirming that it is correct, fills in the one-time password recorded in the received verification SMS into the field on the transaction verification interface, and submits it. , and let the verification system compare the one-time password calculated for the current transaction program to perform transaction verification with the user device (step S213 ).

The embodiment architecture of the realization of the financial transaction verification data processing system can refer to the embodiment diagram shown in FIG. 3. The financial transaction verification data processing system shown in the figure realizes the verification system of the financial institution, including the platform and the subsystem realized by the cooperation of the computer system and the software program. .

The verification system 30 proposes a front-end system 301. In one embodiment, the front-end system 301 refers to a transaction system that interacts with users. In a bank, it usually refers to systems such as online banking, mobile banking, or automated teller machines (ATMs). . When the user operates the user device 300 to start a transaction procedure, selects a commodity or service, and executes the verification step, the front-end system 301 starts a transaction verification interface on the user device 300 according to the user's operation, and displays it on the user device 300 At this time, a transaction verification request is also generated, and the front-end system 301 receives the transaction verification request from the user device 300 . The transaction verification interface is used to display the information provided by the verification system 30 to the user device 300 through the front-end system 301 to verify the transaction procedure, and obtain a transaction verification data from the user device 300 through the transaction verification interface. According to an embodiment, the transaction The verification data is a one-time password sent by the verification system 30 to the device of the user terminal in the form of a short message through the telecommunication business system 32 .

The verification system 30 includes a one-time password verification service platform 303, which is connected to the front-end system 301. When the front-end system 301 receives a transaction verification request sent by the user device 300, it generates a verification data, which may include calculating the one-time password and the challenge. code (step S301 ), and the challenge code is sent back to the user device 300 via the front-end system 301 (step S304 ). At the same time, the one-time password verification service platform 303 transmits the verification data including the one-time password, the challenge code and the communication data to a message publishing and subscribing system 305 (step S303 ). What's more, in the one-time password verification service platform 303, the user's communication data is also checked, such as checking the data format, the communication data may be the communication data of the user device 300 that issued the transaction verification request, or the user's other communication data. Communication data of an electronic device (a device bound to financial institution services) used to verify transactions.

The message publishing and subscribing system 305 is connected to the one-time password verification service platform 303, and can receive from the one-time password verification service platform 303 the one-time password and challenge code generated for the current transaction procedure, as well as the user communication data obtained by querying the database.

The verification system 30 includes a short message sending platform 309, which is connected to the message publishing and subscription system 305, obtains the above-mentioned one-time password, challenge code and user communication data from the message publishing and subscription system 305 (step S305), and then transmits it to the telecommunication business system, and requests The verification message is sent (step S307 ), and the telecommunication business system 32 also replies to receive the request for sending the short message (step S309 ), indicating that the verification system 30 (the short message sending platform 309 ) is successfully connected with the telecom business system 32 . After the connection with the telecommunication company system 32 is successful, the short message sending platform 309 can provide the result of the connection with the telecommunication company system to the message publishing and subscription system 305 (step S311 ), and the message publishing and subscription system 305 continues to the one-time password verification service platform 303 Provide the result of tandem with the telco system (step S313).

After the above procedure, the one-time password verification service platform 303 obtains the result of the serial connection with the telecommunication business system 32 from the message publishing and subscribing system 305 . When the verification system 30 and the telecommunication business system 32 are successfully connected in series, the telecommunication business system 32 sends a verification message to the user device 300 (or other designated device) according to the user's communication data, and the verification message records a verification message for this transaction procedure. The password and the challenge code allow the user to confirm whether the challenge code in the verification message is the same as the challenge code provided by the verification system 30 and displayed on the transaction verification interface, and then input the received one-time password in the transaction verification after confirmation. The verification field on the interface generates transaction verification data, so that the verification system 30 confirms the result of the serial connection between the short message sending platform 309 and the telecommunication system 32 and the transaction verification data received from the user device 300 according to the information in the message publishing and subscription system 305 Perform transaction verification.

Further, the verification system further includes an application log platform (application log platform, ALP) 307 for performing the analysis of the event log. When the one-time password verification service platform 303 performs transaction verification, it includes comparing the one-time password sent by the user device 300 with the one-time password generated by the system. The one-time password verification service platform 303 receives from the user device 300 the verification data such as the one-time password, the challenge code, etc. transmitted through the transaction verification interface, that is, the one-time password SMS verification message record is established, and the formed event log (log) writes into the application log platform 307 (step S315 ).

During this process, the verification system 30 parses the event log generated by the message publishing and subscription system 305 through the application log platform 307 and the one-time password verification service platform 303 generates a one-time password SMS verification message record. When it is determined from various event logs that an abnormal event occurs, an abnormal message is generated to notify a system monitoring and management system 311 to issue an alarm message (step S317 ).

Further, in the financial transaction verification data processing system, when there is an error in the information exchanged in the system, in order to avoid the continuous timeout (timeout) between the subsystems, the one-time password verification service platform 303 can be executed. To solve the problem that the system has no resources available due to thread exhaustion, the financial transaction verification data processing system provides a circuit breaker mechanism, and the flow of the related embodiment can be referred to FIG. 4 .

Similarly, the user operates the user device to execute a transaction procedure. When the verification step is reached, the verification system 30 needs to perform transaction verification. The front-end system 301 requests the one-time password verification service platform 303 to generate a one-time password, and also includes a challenge code ( Step S401), when the verification system 30 is operating, the one-time password verification service platform 303 cannot write the message to the message publishing and subscription system 305, or cannot confirm the result of the connection with the telecommunication business system 32 from the message publishing and subscription system 305, that is, generating An error code is sent to the front-end system 301, and the error code or an error message corresponding to the error code is returned to the user device 300 through the front-end system 301 (step S402). In addition, according to an embodiment, the financial transaction verification data processing system also proposes a circuit breaker mechanism. When the message publishing and subscribing system 305 cannot process the message normally, and therefore cannot provide the message, the message publishing and subscribing system 305 stops the service and verifies The system 30 activates the circuit breaker mechanism to maintain the normal operation of the one-time password verification service, which includes switching the connection from the one-time password verification service platform 303 to directly connect to the SMS sending platform 309, and directly transmits the one-time password, challenge code and user communication. The verification data of the data is sent to the short message sending platform 309 (step S403).

Next, the SMS sending platform 309 also requests the telecommunication company system 32 to send a verification SMS (step S405 ), and replies to receive the request to send the SMS (step S407 ), indicating that the connection with the telecommunication company system 32 is completed. The SMS sending platform 309 directly replies to the one-time password verification service platform 303 the result of connecting to the telecommunication company system (step S409 ), and at the same time writes the one-time password SMS verification message record generated by the one-time password verification service platform 303 into the application log platform, It may include a message of successful connection or abnormality (step S411 ). If an abnormality is found after analyzing the relevant event log, the abnormality message is notified to the system monitoring and management system 311 (step S413 ).

Wherein, when the short message sending platform 309 is successfully connected with the telecommunication business system 32, the short message sending platform 309 provides the message publishing and subscription system 305 with a message that the telecommunications business system 32 is successfully connected, and the message publishing and subscription system 305 will continue to provide the one-time password verification service. The platform 303 provides information about the success of the connection to the telecom provider system 32 , and related records are also recorded to the application log platform 307 .

In the verification system 30, the event log recorded in the application log platform 307 is parsed, including the event log generated by the message publishing and subscription system 305 processing the message, and the one-time password verification service platform 303 generating the one-time password SMS verification message record, and it is found that there is an abnormality , an abnormal message provided to the system monitoring and management system 311 is formed.

FIG. 5 shows a flow chart of another embodiment of the circuit breaker mechanism in the financial transaction verification data processing system. In this process, when the verification system 30 performs transaction verification, the one-time password verification service platform 303 sends a confirmation message to the short message sending platform 309 continuously or at fixed time intervals (step S501 ), and ensures the short message by responding to the confirmation message (step S503 ). The platform 309 is sent, and the result of the connection with the telecommunication business system 32 is obtained. If any abnormality occurs, for example, the SMS sending platform 309 responds with a timeout, and the number of times accumulated reaches the threshold, the verification system 30 will activate the circuit breaker mechanism, in addition to writing the relevant event log into the application log platform 307 and generating it through the system monitoring and management system 311 In addition to the warning message, in this embodiment, for the transaction verification request sent by the user device 300, the one-time password verification service platform 303 consistently returns an error code (step S505), which is sent to the user device 300 through the front-end system 301 until The short message sending platform 309 resumes operation.

It should be mentioned here that, according to an embodiment, in the verification system 30, relative to the front-end system 301, the message publishing and subscribing system 305 set in the back-end system can be implemented by an open source stream processing platform (such as Kafka), with processing Real-time data has the characteristics of high throughput and low delay, connects the short message sending platform 309 and the external telecommunication business system 32, and is used to analyze the event log generated by the operation of the verification system 30, establish a verification mechanism inside the verification system 30, and determine whether to activate the circuit breaker mechanism, and generate alarm messages when exceptions occur.

To sum up, according to the financial transaction verification data processing system described in the above-mentioned embodiments, in view of the fact that the transaction verification system in the financial institution and the telecommunication company have an abnormality in the transmission of verification messages and continue to overdue, at the same time, the available thread resources in the system are consumed. However, this leads to the problem that transaction verification cannot be completed. In order to eliminate the problems affecting user transaction security, a message publishing and subscription system is mainly proposed in the verification system of the financial institution, and a mechanism for publishing one-time password short messages is established in the verification system. , when the background service of the verification system stops, the circuit breaker mechanism can be used to give an immediate alarm and an alternative solution can be adopted to improve the availability of the transaction verification service and restore the complete service efficiently.

The contents disclosed above are only the preferred and feasible embodiments of the present invention, and are not intended to limit the scope of the patent application of the present invention. Therefore, any equivalent technical changes made by using the contents of the description and drawings of the present invention are included in the application of the present invention. within the scope of the patent.

100: User device 10: Verify the system 12: Front-end system 14: One-time password verification service platform 16: Newsletter sending platform 18: Telecom business system 19: One-time password database 300: User device 30: Verify the system 301: Front-End Systems 303: One-time password verification service platform 305: Message publishing and subscription system 307: Application Logging Platform 309: Newsletter sending platform 311: System monitoring and management system 32: Telecom system Steps S101-S113: current transaction verification process Steps S201-S213: Financial transaction verification data processing flow Steps S301-S317: Financial transaction verification data processing flow Steps S401-S413: circuit breaker in the financial transaction verification data processing method Steps S501-S505: circuit breaker in the financial transaction verification data processing method

Figure 1 shows a schematic diagram of the system and process example of the current transaction verification;

FIG. 2 shows a flowchart of an embodiment of a method for processing financial transaction verification data in a verification system;

Fig. 3 shows the system architecture embodiment diagram of the financial transaction verification data processing system;

FIG. 4 shows a flowchart of an embodiment of a circuit breaker mechanism in a financial transaction verification data processing system; and

FIG. 5 shows a flowchart of an embodiment of a circuit breaker mechanism in a financial transaction verification data processing system.

300: User device

30: Verify the system

301: Front-End Systems

303: One-time password verification service platform

305: Message publishing and subscription system

307: Application Logging Platform

309: Newsletter sending platform

311: System monitoring and management system

32: Telecom system

Steps S301~S317: Financial transaction verification data processing flow

Claims (10)

A financial transaction verification data processing system, comprising: a one-time password verification service platform, calculating a one-time password and a challenge code according to a transaction verification request sent by a user device, and returning the challenge code to the user device; a message publishing and subscription system, connected to the one-time password verification service platform, and receiving the one-time password, the challenge code and a user communication data from the one-time password verification service platform; and A short message sending platform, connected to the message publishing and subscription system, for connecting with a telecommunication business system; Wherein, the financial transaction verification data processing system implements a verification system. In the verification system, when the transaction verification request is generated by the user device, the one-time password and the one-time password are calculated by the one-time password verification service platform. The challenge code is sent back to the user device, and the one-time password, the challenge code and a user communication data are provided to the message publishing and subscription system, and then the one-time password is sent through the short message sending platform. The password, the challenge code and the user's communication data are sent to the telecommunications company system, and a verification SMS is sent to the user device through the telecommunications company system, and finally the SMS message sending platform is confirmed according to the message in the message publishing and subscription system Transaction verification is performed with the result of the concatenation with the telecommunication business system and a transaction verification data received from the user device. The financial transaction verification data processing system according to claim 1, further comprising an application log platform for recording event logs generated by the message publishing and subscribing system for processing messages. The financial transaction verification data processing system according to claim 2, wherein the verification system parses the event log generated by the message publishing and subscription system processing the message, or adds the one-time password SMS verification message record generated by the one-time password verification service platform , when it is determined that an abnormal event occurs, an abnormal message is generated to notify a system monitoring and management system to issue an alarm message. The financial transaction verification data processing system according to claim 3, wherein when the one-time password verification service platform cannot write a message to the message publishing and subscribing system, or cannot confirm the communication with the telecommunications provider system from the message publishing and subscribing system As a result of the concatenation, an error code is generated, and the error code or an error message is returned to the user device. The financial transaction verification data processing system according to claim 1, wherein, when the short message sending platform is successfully connected with the telecommunication business system, the short message sending platform provides the message publishing and subscription system with a successful serial connection with the telecom business system. message, the message publishing and subscribing system continues to provide the one-time password verification service platform with the message that the telecommunication business system is successfully connected. The financial transaction verification data processing system according to claim 1, wherein the verification system is applied in a financial institution, and when the user device performs a verification step in a transaction procedure, the transaction verification request is transmitted to the verification system , in addition to receiving the challenge code from the verification system, also receives a verification message from the telecommunication business system recording the one-time password. The financial transaction verification data processing system according to claim 1, further comprising a front-end system, and the verification system receives the transaction verification request sent by the user device through the front-end system, so as to target a transaction procedure to the user The device initiates a transaction verification interface. The financial transaction verification data processing system according to claim 7, wherein the transaction verification interface is used to display the information provided by the verification system to the user device through the front-end system to verify the transaction program, and the verification system also passes the transaction verification interface. The transaction verification data is obtained from the user device, and the user device also receives the challenge code through the front-end system. The financial transaction verification data processing system according to any one of claims 1 to 8, wherein when the message publishing and subscription system cannot process messages normally, the verification system activates a circuit breaker mechanism, and the one-time password verification service platform switches the connection line to directly connect to the short message sending platform, and directly transmit the one-time password, the challenge code and the user communication data to the short message sending platform. The financial transaction verification data processing system according to any one of claims 1 to 8, wherein when an exception occurs on the short message sending platform, the verification system activates a circuit breaker mechanism to return an error code to the user device until the The SMS sending platform resumes operation.

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