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Transaction processing method and device, electronic equipment and computer storage medium

A transaction processing and transaction technology, which is applied in the field of data processing, can solve problems that affect user experience and cannot realize multi-party joint fund collection and fund operation, and achieve the effect of improving user experience

Pending Publication Date: 2021-11-02
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In view of this, the embodiments of the present invention provide a transaction processing method, device, electronic equipment, and computer storage medium to solve the needs in the prior art that transactions such as fund collection and fund operations cannot be realized jointly by multiple parties, and affect user experience

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  • Transaction processing method and device, electronic equipment and computer storage medium
  • Transaction processing method and device, electronic equipment and computer storage medium
  • Transaction processing method and device, electronic equipment and computer storage medium

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Embodiment Construction

[0046] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0047] In this application, the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus comprising a set of elements includes not only those elements, but also includes none. other elements specifically listed, or also include elements inherent in such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "com...

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Abstract

The invention discloses a transaction processing method and device, electronic equipment and a computer storage medium, and can be applied to the field of artificial intelligence or finance. The scheme comprises: obtaining the transaction request initiated by the user based on the first client and the input identity verification information; when it is determined that the user identity verification is passed, querying a database to determine information of other account holders corresponding to the bank account in the transaction request; sending a voting request to a second client corresponding to other account holders so that the other account holders can vote; based on the obtained target voting result fed back by the second client and the information of other account holders, determining whether the user is allowed to carry out the transaction or not; and when it is determined that the user is allowed to perform the transaction, executing a transaction operation corresponding to the transaction request. The demand that multiple parties jointly carry out transactions such as fund collection and fund operation can be met, and the use experience of the user can be improved.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a transaction processing method, device, electronic equipment and computer storage medium. Background technique [0002] A joint account refers to a personal current settlement account or a lump sum time deposit account that is jointly opened by two or more (less than five) individual customers, that is to say, multiple parties jointly use one account. [0003] Currently, when using a joint account for transaction processing, it is first determined whether the user initiating the transaction is another account holder of the joint account, and if so, the user initiating the transaction is allowed to perform fund operations corresponding to the transaction. Since the above method cannot meet the needs of multiple parties to jointly conduct transactions such as fund collection and fund operations, it will affect the user experience. Contents of the invention [00...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q40/02
CPCG06Q20/4014G06Q40/02
Inventor 朱辉
Owner BANK OF CHINA
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