Standardisation method and apparatus for erroneous transactions

An electronic device, comprising a processor, a memory, a transceiver and a bus interface, wherein the processor, the memory and the transceiver are connected with one another through the bus interface;

• the processor is configured for determining an erroneous transaction to be processed by the UnionPay erroneous transaction network, which is a bank card erroneous service processing network of UnionPay member institutions;
• the transceiver is configured for receiving an erroneous service invocation request corresponding to the erroneous transaction via a Java universal interface which is operatable in various operating systems when the client terminal has any erroneous transaction that needs to be processed by the UnionPay erroneous transaction network, wherein specific information of the UnionPay member institution is implemented as configuration parameters of the universal interface and includes at least a UnionPay institution code, user authority, and file path;
• the processor is further configured for:
• converting the erroneous service invocation request into an exchange message in a readable invocation form to adapt the UnionPay erroneous transaction network, wherein the erroneous service invocation request is a general program function invocation form, and a message element is input as a function invocation parameter;
• on the basis of a preset certificate database, encrypting a sensitive data area in the exchange message to generate an encrypted message area;
• and signing a key field in the exchange message to generate a signed message area;
• and
• sending the exchange message including the encrypted message area and the signed message area to the UnionPay erroneous transaction network through a two-way authenticated secure communication link, to enable the UnionPay erroneous transaction network to process according to a meaning of an erroneous service expressed in the exchange message;
• the memory is configured for storing one or more executable programs and data used by the processor during executing operations;
• and
• the bus interface is used for providing interfaces;
• wherein the electronic device is a unified interface for interfacing the client terminals in the various operating systems with the UnionPay erroneous transaction network;
• wherein the electronic device is suitable for the various operating systems and various middleware products through a Java universal interface technology;
• wherein before sending the exchange message comprising the encrypted message area and the signed message area to the UnionPay erroneous transaction network through the secure communication link, the processor is further configured for:
• when the erroneous service invocation request comprises a credential file in a binary encoding form, decoding the credential file;
• and
• encoding the decoded credential file by means of an encoding mode of the UnionPay erroneous transaction network.