Transaction request processing method and device, equipment, storage medium and program product
By implementing multi-dimensional pre-set transaction rule verification for internal account transactions, the issue of low security in internal account transactions has been resolved, achieving higher verification accuracy and fund security.
Patent Information
- Application Number
- CN202511522929.5
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-10-23
- Publication Date
- 2026-02-03
AI Technical Summary
Internal account transactions have low security. Existing technologies control them by setting limits on fund amounts and transaction frequency, but this is not very accurate and can easily lead to vulnerabilities in fund security and management.
Internal account transactions are verified by setting multiple pre-defined transaction rules, including verification of transaction type, amount, source institution, counterparty and business type. Different verification rules and review processes are set to ensure that transactions are processed only after they meet the pre-defined conditions.
It improves the accuracy and security of internal account transactions, reduces fund security vulnerabilities, and enhances the rigor of fund management.
Smart Images
Figure CN121458299A_ABST
Abstract
Description
TECHNICAL FIELD
[0001] The present application relates to the technical field of finance, and in particular to a transaction request processing method and device, equipment, a storage medium and a program product. BACKGROUND
[0002] In a financial institution, an "internal account" is an account used for internal fund accounting, financial management and business operation processes. At present, the security of internal account transactions is increasingly valued by users.
[0003] In related technologies, the fund operation of the internal account is controlled by setting limit conditions such as the amount of funds, the frequency of transactions, and the like.
[0004] However, due to the variety of types of internal account transactions, the accuracy of controlling internal account transactions by the above limit conditions is low, which easily leads to fund security and management vulnerabilities, and thus the security of internal account transactions is low. SUMMARY
[0005] The embodiments of the present application provide a transaction request processing method, device, equipment, storage medium and program product to solve the problem of low security of internal account transactions.
[0006] In a first aspect, the embodiments of the present application provide a transaction request processing method, comprising: in response to an internal account transaction request, acquiring transaction information corresponding to the internal account transaction request, wherein the transaction information comprises one or more of transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information;
[0007] If the transaction information includes the transaction type information, a first preset transaction rule corresponding to the transaction type information is called to verify the internal account transaction request; if the transaction information includes the transaction amount information, a second preset transaction rule corresponding to the transaction amount information is called to verify the internal account transaction request; if the transaction information includes the transaction source institution information, a third preset transaction rule corresponding to the transaction source institution information is called to verify the internal account transaction request; if the transaction information includes the transaction counterparty information, a fourth preset transaction rule corresponding to the transaction counterparty information is called to verify the internal account transaction request; and if the transaction information includes the transaction type information, a fifth preset transaction rule corresponding to the business type information is called to verify the internal account transaction request.
[0008] If the verification is passed, the internal account transaction request is processed, and if the verification is not passed, the processing of the internal account transaction request is cancelled.
[0009] In a possible implementation, the first preset transaction rule corresponding to the transaction type information is called to verify the internal account transaction request, including: if the transaction type information is an income transaction, a preset income rule corresponding to the income transaction is determined, and the internal account transaction request is verified according to the preset income rule; wherein the preset income rule is used to set the verification item information of the income transaction; if the transaction type information is an expenditure transaction, a preset expenditure rule corresponding to the expenditure transaction is determined, and the internal account transaction request is verified according to the preset expenditure rule; wherein the preset expenditure rule is used to set the approval process information of the expenditure transaction.
[0010] In a possible implementation, the second preset transaction rule corresponding to the transaction amount information is called to verify the internal account transaction request, including: if the transaction amount information is less than or equal to a first preset amount, it is determined that the second preset transaction rule corresponding to the transaction amount information is no manual review, and it is determined that the internal account transaction request is verified; if the transaction amount information is greater than the first preset amount and less than a second preset amount, it is determined that the second preset transaction rule corresponding to the transaction amount information is single-level manual review, and the internal account transaction request is single-level manually reviewed; if the transaction amount information is greater than or equal to the second preset amount, it is determined that the second preset transaction rule corresponding to the transaction amount information is multi-level manual review, and the internal account transaction request is multi-level manually reviewed.
[0011] In a possible implementation, the third preset transaction rule corresponding to the transaction source institution information is called to verify the internal account transaction request, including: if the transaction source institution information is an internal institution, it is determined that the third preset transaction rule corresponding to the source institution information is the transaction permission information of the internal institution, and the internal account transaction request is verified according to the transaction permission information; if the transaction source institution information is an external institution, it is determined that the third preset transaction rule corresponding to the source institution information is the institution list information of the external institution, and the internal account transaction request is verified according to the institution list information.
[0012] In a possible implementation, the fourth preset transaction rule corresponding to the transaction counterparty information is called to verify the internal account transaction request, including: if the transaction counterparty information is a transaction counterparty with which a trust relationship has been established, it is determined that the fourth preset transaction rule corresponding to the transaction counterparty information is single-level data review, and the internal account transaction request is single-level data reviewed; if the transaction counterparty information is a transaction counterparty with which a trust relationship has not been established, it is determined that the fourth preset transaction rule corresponding to the transaction counterparty information is multi-level data review, and the internal account transaction request is multi-level data reviewed.
[0013] In a possible implementation, the fifth preset transaction rule corresponding to the business type information is called to verify the internal account transaction request, including: if the transaction type information is a deposit business, the fifth preset transaction rule corresponding to the transaction counterparty information is determined as a rate audit rule, and the internal account transaction request is verified through the rate audit rule; if the transaction type information is a loan business, the fifth preset transaction rule corresponding to the transaction counterparty information is determined as a loan quota rule, and the internal account transaction request is verified through the loan quota rule; if the transaction type information is an intermediary business, the fifth preset transaction rule corresponding to the transaction counterparty information is determined as a business security rule matched with the intermediary business, and the internal account transaction request is verified through the business security rule.
[0014] In a second aspect, the embodiments of the present application provide a transaction request processing apparatus, including:
[0015] The acquisition module is configured to acquire transaction information corresponding to the internal account transaction request in response to the internal account transaction request, wherein the transaction information includes one or more of transaction type information, transaction amount information, transaction source institution information, transaction counterparty information, and business type information.
[0016] The verification module is configured to call a first preset transaction rule corresponding to the transaction type information to verify the internal account transaction request if the transaction information includes the transaction type information; call a second preset transaction rule corresponding to the transaction amount information to verify the internal account transaction request if the transaction information includes the transaction amount information; call a third preset transaction rule corresponding to the transaction source institution information to verify the internal account transaction request if the transaction information includes the transaction source institution information; call a fourth preset transaction rule corresponding to the transaction counterparty information to verify the internal account transaction request if the transaction information includes the transaction counterparty information; and call a fifth preset transaction rule corresponding to the business type information to verify the internal account transaction request if the transaction information includes the transaction type information.
[0017] The processing module is configured to process the internal account transaction request if the verification is passed, and cancel processing of the internal account transaction request if the verification is not passed.
[0018] In a third aspect, the embodiments of the present application provide an electronic device, including: a memory, a processor;
[0019] The memory stores computer execution instructions.
[0020] The processor executes the computer execution instructions stored in the memory, so that the processor executes the first aspect and / or various possible implementation manners of the first aspect.
[0021] In a fourth aspect, an embodiment of the present application provides a computer readable storage medium, and the computer readable storage medium stores computer execution instructions. When the computer execution instructions are executed by a processor, the computer execution instructions are used to implement the first aspect and / or various possible implementation manners of the first aspect.
[0022] In a fifth aspect, an embodiment of the present application provides a computer program product, and the computer program product includes a computer program. When the computer program is executed by a processor, the computer program implements the first aspect and / or various possible implementation manners of the first aspect.
[0023] The transaction request processing method, device, equipment, storage medium and program product provided by the embodiments of the present application, the method includes: in response to an internal account transaction request, obtaining transaction information corresponding to the internal account transaction request, wherein the transaction information includes one or more of transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information; if the transaction information includes the transaction type information, a first preset transaction rule corresponding to the transaction type information is called to verify the internal account transaction request; if the transaction information includes the transaction amount information, a second preset transaction rule corresponding to the transaction amount information is called to verify the internal account transaction request; if the transaction information includes the transaction source institution information, a third preset transaction rule corresponding to the transaction source institution information is called to verify the internal account transaction request; if the transaction information includes the transaction counterparty information, a fourth preset transaction rule corresponding to the transaction counterparty information is called to verify the internal account transaction request; if the transaction information includes the transaction type information, a fifth preset transaction rule corresponding to the business type information is called to verify the internal account transaction request; if the verification is passed, the internal account transaction request is processed, and if the verification is not passed, the processing of the internal account transaction request is cancelled. In the embodiments of the present disclosure, since the transaction information corresponding to the internal account transaction request is obtained first, and then the internal account transaction request is verified through the preset transaction rule corresponding to the transaction information, the internal account transaction request is verified from multiple dimensions such as transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information, thereby improving the accuracy of verifying the internal account transaction, and thus improving the security of the internal account transaction. BRIEF DESCRIPTION OF DRAWINGS
[0024] The accompanying drawings, which are incorporated into and form a part of the specification, illustrate preferred embodiments of the present application and, together with the description, serve to explain the principles of the application.
[0025] Figure 1 The scenario schematic diagram of the transaction request processing method provided by the present application is shown in the following figure:
[0026] Figure 2 The flowchart of the transaction request processing method provided by the embodiments of the present application is shown in the following figure:
[0027] Figure 3 A structure diagram of a transaction request processing device provided in an embodiment of the present application is shown in the following figure.
[0028] Figure 4 A structure diagram of an electronic device provided in the present application is shown in the following figure.
[0029] The specific embodiments of the present application have been shown in the above figures, and will be described in more detail hereinafter. These figures and the written description are not intended to limit the scope of the present application concept in any way, but to illustrate the present application concept to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION
[0030] The exemplary embodiments will be described in detail herein with reference to the attached drawings. In the following description, the same numbers are used to indicate the same or similar elements, unless otherwise indicated. The embodiments described in the following exemplary embodiments are not meant to represent all implementations consistent with the present application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of the present application as detailed in the appended claims.
[0031] In a financial institution, an "internal account" is an account used for internal fund accounting, financial management, and business operation processes. At present, the security of internal account transactions is increasingly valued by users.
[0032] In the related art, the fund operation of the internal account is controlled by setting limit conditions such as the amount of money, the frequency of transactions, etc. However, due to the variety of types of internal account transactions, the accuracy of controlling internal account transactions by the above limit conditions is low, which can easily lead to fund security and management vulnerabilities, and thus the security of internal account transactions is low.
[0033] To solve the above technical problems, the inventors propose the following technical concept: by pre-setting a preset transaction rule, the entry of the internal account is parameterized controlled. Optionally, by setting multiple preset transaction rules, each entry (i.e. internal account transaction) is checked and audited, and if the entry meets the parameter settings, the entry is allowed; otherwise, the entry is prevented.
[0034] In the technical solution of the present application, the collection, storage, use, processing, transmission, provision and disclosure of information such as financial data or user data, etc. comply with the relevant legal regulations and do not violate public order and good customs.
[0035] It should be noted that in the embodiments of the present application, some software, components, models, etc. may be mentioned, which are considered to be exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solutions of the present application, but it does not mean that the applicant has or will necessarily use the scheme.
[0036] Figure 1 The scene schematic diagram of the transaction request processing method provided in the application is shown in FIG. 1. Figure 1 In the scene, there are a server 101 and a terminal 102.
[0037] In the implementation process, the server 101 and the terminal 102 can be implemented by using a server or a cluster composed of multiple servers with stronger processing capability and higher security, and in possible cases, a computer, a notebook computer or the like with stronger computing capability can also be used for replacement.
[0038] The connection mode between the server 101 and the terminal 102 can be wired connection or wireless connection.
[0039] A user can send an internal user transaction request to the server 101 through the terminal 102. The server 101 receives the internal user transaction request, verifies the internal user transaction request through the transaction request processing method provided in the application, and processes the internal user transaction request according to the verification result.
[0040] It can be understood that the scene shown in the embodiments of the application does not constitute a specific limitation on the transaction request processing method. In other possible embodiments of the application, the above-mentioned scene can include more or fewer components than the schematic diagram, or combine certain components, or split certain components, or different component arrangement, and the specific determination can be made according to the actual application scene, which is not limited herein. Figure 1 The scene shown can be implemented by hardware, software, or a combination of software and hardware.
[0041] The technical solutions of the application and how the technical solutions of the application solve the above-mentioned technical problems will be described in detail in the following specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes can not be described in detail in some embodiments. The embodiments of the application will be described below with reference to the drawings.
[0042] Figure 2 The flowchart of the transaction request processing method provided in the embodiments of the application is shown in FIG. 2. The execution subject of the embodiments of the application can be the server 101 in FIG. 1, or a computer and / or a mobile phone, and the embodiments of the application do not particularly limit this. As shown in FIG. 2, the method comprises the following steps. Figure 1 Figure 2
[0043] S201: In response to an internal user transaction request, transaction information corresponding to the internal user transaction request is obtained, wherein the transaction information comprises one or more of transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information.
[0044] In this step, the internal account transaction request can be any type of internal account transaction request. For example, it can be a deposit transaction request of the internal account. In this case, the internal account transaction request can carry transaction information.
[0045] Optionally, the transaction type information is used to represent the type of the internal account transaction. For example, the transaction type information includes income type and expense type. Optionally, the transaction source institution information is used to represent the initiator of the internal account transaction request. For example, the transaction source institution information includes internal institution and external institution. Optionally, the transaction counterparty information is used to represent the business party with which the internal account transaction exists. Optionally, the business type information is used to represent the business type of the internal account transaction. For example, the business type information includes deposit business, loan business and intermediary business. The intermediary business is a business that provides services, facilitates transactions or manages assets for customers; for example, agency business, custody business, etc.
[0046] S202: If the transaction information includes transaction type information, a first preset transaction rule corresponding to the transaction type information is called to verify the internal account transaction request; if the transaction information includes transaction amount information, a second preset transaction rule corresponding to the transaction amount information is called to verify the internal account transaction request; if the transaction information includes transaction source institution information, a third preset transaction rule corresponding to the transaction source institution information is called to verify the internal account transaction request; if the transaction information includes transaction counterparty information, a fourth preset transaction rule corresponding to the transaction counterparty information is called to verify the internal account transaction request; and if the transaction information includes transaction type information, a fifth preset transaction rule corresponding to the business type information is called to verify the internal account transaction request.
[0047] In this step, the corresponding preset transaction rule can be called according to the transaction information to verify the internal account transaction request. In the embodiments of the present disclosure, the user can set the preset transaction rule corresponding to each transaction information in advance through the parameter setting module in the parameter configuration interface. When the internal account transaction request is received, the transaction information is matched and checked through the preset transaction rule.
[0048] For example, the transaction information includes transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information, and the internal account transaction request is verified through the first preset transaction rule, the second preset transaction rule, the third preset transaction rule, the fourth preset transaction rule and the fifth preset transaction rule respectively.
[0049] In some embodiments, the first preset transaction rule corresponding to the transaction type information is called to verify the internal account transaction request, including: if the transaction type information is an income transaction, a preset income rule corresponding to the income transaction is determined, and the internal account transaction request is verified according to the preset income rule; wherein the preset income rule is used to set the verification item information of the income transaction; if the transaction type information is an expenditure transaction, a preset expenditure rule corresponding to the expenditure transaction is determined, and the internal account transaction request is verified according to the preset expenditure rule; wherein the preset expenditure rule is used to set the approval process information of the expenditure transaction.
[0050] In the embodiments of the present disclosure, the income transaction can include various types, such as commission income, interest income, and fund appropriation income. Different preset income rules can be set for different types of income transactions. For example, the preset income rule corresponding to the commission income is to check the transaction record in the business system to ensure the correct charging standard. For another example, the preset income rule corresponding to the interest income is to check the interest rate and the interest calculation rule.
[0051] In the embodiments of the present disclosure, the expenditure transaction can include various types, such as expense expenditure, fund appropriation expenditure, and refund expenditure. Different preset expenditure rules can be set for different types of expenditure transactions. For example, large fund appropriation expenditure needs multi-level approval, while small expense expenditure can be set to an automatic approval process.
[0052] In some embodiments, the second preset transaction rule corresponding to the transaction amount information is called to verify the internal account transaction request, including: if the transaction amount information is less than or equal to a first preset amount, the second preset transaction rule corresponding to the transaction amount information is determined to be no manual review, and the internal account transaction request verification is passed; if the transaction amount information is greater than the first preset amount and less than a second preset amount, the second preset transaction rule corresponding to the transaction amount information is determined to be single-level manual review, and the internal account transaction request is single-level manually reviewed; if the transaction amount information is greater than or equal to the second preset amount, the second preset transaction rule corresponding to the transaction amount information is determined to be multi-level manual review, and the internal account transaction request is multi-level manually reviewed.
[0053] For example, different amount intervals can be set, such as small amount transaction, medium amount transaction, and large amount transaction. Different control measures can be taken for transactions in different amount intervals. The upper and lower limits of single transaction amount are set, and transactions exceeding the upper limit need special approval, and transactions below the lower limit can be processed by merging or special marking, so as to facilitate management and monitoring.
[0054] For example, a small transaction (transaction amount information is less than or equal to a first preset amount): determining that the second preset transaction rule corresponding to the transaction amount information is no manual review, and determining that the internal account transaction request is verified to pass.
[0055] For another example, a medium transaction (greater than the first preset amount and less than a second preset amount): single-level manual review is performed to ensure the rationality and compliance of the transaction. The single-level manual review can be a department manager review or a specific personnel review.
[0056] For another example, a large transaction (greater than or equal to the second preset amount): multi-level manual review. Optionally, the multi-level manual review can include a financial director review and a security management department review.
[0057] In some embodiments, the third preset transaction rule corresponding to the transaction source institution information is called to verify the internal account transaction request, including: if the transaction source institution information is an internal institution, determining that the third preset transaction rule corresponding to the source institution information is the transaction permission information of the internal institution, and verifying the internal account transaction request according to the transaction permission information; if the transaction source institution information is an external institution, determining that the third preset transaction rule corresponding to the source institution information is the institution list information of the external institution, and verifying the internal account transaction request according to the institution list information.
[0058] The transaction permission information of the internal institution is used to limit the permission and scope of the internal institution as the source of the account. Optionally, if the internal account transaction request meets the transaction permission information of the internal institution, the verification is passed; if it does not meet, the verification is not passed.
[0059] The external institutions in the institution list information can be external institutions that have passed identity verification. Optionally, if the external institution is in the institution list information, the verification is passed; if it is not in the institution list information, the verification is not passed. At this time, it can be transferred to manual review.
[0060] In some embodiments, the fourth preset transaction rule corresponding to the transaction counterparty information is called to verify the internal account transaction request, including: if the transaction counterparty information is a transaction counterparty with which a trusted relationship has been established, determining that the fourth preset transaction rule corresponding to the transaction counterparty information is single-level data review, and performing single-level data review on the internal account transaction request; if the transaction counterparty information is a transaction counterparty with which a trusted relationship has not been established, determining that the fourth preset transaction rule corresponding to the transaction counterparty information is multi-level data review, and performing multi-level data review on the internal account transaction request.
[0061] For example, the single-level data review can include transaction data review. The multi-level data review can include identity data review and transaction data review.
[0062] In some embodiments, the fifth preset transaction rule corresponding to the business type information is called to verify the internal account transaction request, including: if the transaction type information is a deposit business, the fifth preset transaction rule corresponding to the transaction counterparty information is determined as a rate audit rule, and the internal account transaction request is verified through the rate audit rule; if the transaction type information is a loan business, the fifth preset transaction rule corresponding to the transaction counterparty information is determined as a loan limit rule, and the internal account transaction request is verified through the loan limit rule; if the transaction type information is an intermediary business, the fifth preset transaction rule corresponding to the transaction counterparty information is determined as a business security rule matched with the intermediary business, and the internal account transaction request is verified through the business security rule.
[0063] Optionally, the rate audit rule includes a rate calculation rule and / or an interest calculation period. Wherein, the deposit business can include various business types, such as current deposit and fixed deposit. Different rate audit rules can be set for different business types of deposit business.
[0064] Optionally, the loan limit control and repayment reminder parameters can be set for the loan issuance and repayment entry of the internal account, to ensure the security of the loan business.
[0065] Optionally, the business security rule is used to limit the business attribute information and security level of the intermediary business. For example, the business security rule of the agency business includes: reviewing the qualification of the agency institution. For another example, the business security rule of the trusteeship business includes: asset security review and compliance operation review.
[0066] S203: If the verification is passed, the internal account transaction request is processed, and if the verification is not passed, the internal account transaction request is cancelled.
[0067] In some embodiments, if any one of the transaction type, transaction amount, transaction source, transaction counterparty and business type fails to pass the verification, the internal account transaction request is cancelled, and a warning information is sent. Wherein, the warning information can be sent to the reviewer through short message or email. At this time, the reviewer can process the abnormal entry according to the warning information. The processing mode can include rejecting the entry, requiring to verify the transaction information, performing manual approval, etc.
[0068] It should be noted that each internal account entry transaction and the corresponding parameter comparison result, warning information and processing process can also be recorded in detail to generate a log report. In this way, the user can query through the log report to trace the problem and analyze the business situation.
[0069] The transaction request processing method provided by the embodiments of the present application comprises the following steps: in response to an internal account transaction request, transaction information corresponding to the internal account transaction request is acquired, wherein the transaction information comprises one or more of transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information; if the transaction information comprises the transaction type information, a first preset transaction rule corresponding to the transaction type information is called to verify the internal account transaction request; if the transaction information comprises the transaction amount information, a second preset transaction rule corresponding to the transaction amount information is called to verify the internal account transaction request; if the transaction information comprises the transaction source institution information, a third preset transaction rule corresponding to the transaction source institution information is called to verify the internal account transaction request; if the transaction information comprises the transaction counterparty information, a fourth preset transaction rule corresponding to the transaction counterparty information is called to verify the internal account transaction request; if the transaction information comprises the transaction type information, a fifth preset transaction rule corresponding to the business type information is called to verify the internal account transaction request; if the verification is passed, the internal account transaction request is processed; if the verification is not passed, the processing of the internal account transaction request is cancelled. In the embodiments of the present application, since the transaction information corresponding to the internal account transaction request is acquired first, and then the internal account transaction request is verified through the preset transaction rule corresponding to the transaction information, the internal account transaction request is verified from multiple dimensions such as the transaction type information, the transaction amount information, the transaction source institution information, the transaction counterparty information and the business type information, thereby improving the accuracy of the verification of the internal account transaction, and thus the security of the internal account transaction is improved.
[0070] Figure 3 The structure diagram of the transaction request processing device provided by the embodiments of the present application is shown in FIG. 1. As shown in FIG. 1, the transaction request processing device comprises: Figure 3
[0071] The acquisition module 301 is configured to acquire, in response to an internal account transaction request, transaction information corresponding to the internal account transaction request, wherein the transaction information comprises one or more of transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information.
[0072] The verification module 302 is configured to: if the transaction information comprises transaction type information, call a first preset transaction rule corresponding to the transaction type information to verify the internal account transaction request; if the transaction information comprises transaction amount information, call a second preset transaction rule corresponding to the transaction amount information to verify the internal account transaction request; if the transaction information comprises transaction source institution information, call a third preset transaction rule corresponding to the transaction source institution information to verify the internal account transaction request; if the transaction information comprises transaction counterparty information, call a fourth preset transaction rule corresponding to the transaction counterparty information to verify the internal account transaction request; and if the transaction information comprises transaction type information, call a fifth preset transaction rule corresponding to the transaction type information to verify the internal account transaction request.
[0073] The processing module 303 is configured to: if the verification is passed, process the internal account transaction request; and if the verification is not passed, cancel processing of the internal account transaction request.
[0074] In a possible implementation, the verification module 302 calls the first preset transaction rule corresponding to the transaction type information to verify the internal account transaction request, including: if the transaction type information is an income transaction, determining a preset income rule corresponding to the income transaction, and verifying the internal account transaction request according to the preset income rule; wherein the preset income rule is used to set the verification item information of the income transaction; and if the transaction type information is an expenditure transaction, determining a preset expenditure rule corresponding to the expenditure transaction, and verifying the internal account transaction request according to the preset expenditure rule; wherein the preset expenditure rule is used to set the approval process information of the expenditure transaction.
[0075] In a possible implementation, the verification module 302 calls the second preset transaction rule corresponding to the transaction amount information to verify the internal account transaction request, including: if the transaction amount information is less than or equal to a first preset amount, determining that the second preset transaction rule corresponding to the transaction amount information is no manual review, and determining that the internal account transaction request is verified; if the transaction amount information is greater than the first preset amount and less than a second preset amount, determining that the second preset transaction rule corresponding to the transaction amount information is single-level manual review, and performing single-level manual review on the internal account transaction request; and if the transaction amount information is greater than or equal to the second preset amount, determining that the second preset transaction rule corresponding to the transaction amount information is multi-level manual review, and performing multi-level manual review on the internal account transaction request.
[0076] In a possible implementation, the verification module 302 invokes a third preset transaction rule corresponding to the transaction source institution information to verify the internal account transaction request, including: if the transaction source institution information is an internal institution, determining that the third preset transaction rule corresponding to the source institution information is transaction permission information of the internal institution, and verifying the internal account transaction request according to the transaction permission information; if the transaction source institution information is an external institution, determining that the third preset transaction rule corresponding to the source institution information is institution list information of the external institution, and verifying the internal account transaction request according to the institution list information.
[0077] In a possible implementation, the verification module 302 invokes a fourth preset transaction rule corresponding to the transaction counterparty information to verify the internal account transaction request, including: if the transaction counterparty information is a transaction counterparty with which a trust relationship has been established, determining that the fourth preset transaction rule corresponding to the transaction counterparty information is single-level data auditing, and performing single-level data auditing on the internal account transaction request; if the transaction counterparty information is a transaction counterparty with which a trust relationship has not been established, determining that the fourth preset transaction rule corresponding to the transaction counterparty information is multi-level data auditing, and performing multi-level data auditing on the internal account transaction request.
[0078] In a possible implementation, the verification module 302 invokes a fifth preset transaction rule corresponding to the business type information to verify the internal account transaction request, including: if the transaction type information is a deposit business, determining that the fifth preset transaction rule corresponding to the transaction counterparty information is a rate auditing rule, and verifying the internal account transaction request by using the rate auditing rule; if the transaction type information is a loan business, determining that the fifth preset transaction rule corresponding to the transaction counterparty information is a loan quota rule, and verifying the internal account transaction request by using the loan quota rule; if the transaction type information is an intermediary business, determining that the fifth preset transaction rule corresponding to the transaction counterparty information is a business security rule matched with the intermediary business, and verifying the internal account transaction request by using the business security rule.
[0079] The transaction request processing apparatus provided in the embodiment of the application can improve the accuracy of verifying the internal account transaction, and therefore improve the security of the internal account transaction, because the transaction information corresponding to the internal account transaction request is acquired first, and then the internal account transaction request is verified by using the preset transaction rule corresponding to the transaction information, from multiple dimensions such as transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information.
[0080] The transaction request processing apparatus provided in the embodiment can perform the method provided in the method embodiment, and has similar implementation principles and technical effects, which will not be described here in detail.
[0081] Figure 4A structural schematic diagram of an electronic device is provided in the present application. As shown in Figure 4 The electronic device 40 provided in the present embodiment includes at least one processor 401 and a memory 402. Optionally, the electronic device 40 further includes a communication component 403. The processor 401, the memory 402 and the communication component 403 are connected through a bus.
[0082] In the implementation process, the at least one processor 401 executes the computer execution instructions stored in the memory 402, so that the at least one processor 401 executes the above-mentioned method.
[0083] The specific implementation process of the processor 401 can refer to the above-mentioned method embodiments, which have similar implementation principles and technical effects, and will not be described here in detail.
[0084] In the above-mentioned embodiments, it should be understood that the processor can be a central processing unit (CPU), and can also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (ASIC) and the like. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor and the like. The steps of the method disclosed in the present application can be directly embodied as the execution of the hardware processor, or executed by the combination of the hardware and software modules in the processor.
[0085] The memory can include a random access memory (RAM), and can also include a non-volatile memory (NVM), for example, at least one disk memory.
[0086] The bus can be an industry standard architecture (ISA) bus, a peripheral component (PCI) bus or an extended industry standard architecture (EISA) bus and the like. The bus can be divided into an address bus, a data bus, a control bus and the like. For the convenience of representation, the bus in the drawings of the present application does not limit to only one bus or one type of bus.
[0087] The present application also provides a computer program product, including a computer program, which is executed by the processor to realize the above-mentioned method.
[0088] The application further provides a computer readable storage medium, wherein computer execution instructions are stored in the computer readable storage medium, and when a processor executes the computer execution instructions, the method described above is realized.
[0089] The readable storage medium described above can be realized by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general-purpose or special-purpose computer.
[0090] An exemplary readable storage medium is coupled to the processor, so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be an integral part of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the readable storage medium can also exist as discrete components in the device.
[0091] The division of units is only a logical function division, and in actual implementation, there can be another division mode, for example, a plurality of units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the coupling or direct coupling or communication connection between the units or components shown or discussed can be indirect coupling or communication connection through some interfaces, devices or units, which can be electrical, mechanical or other forms.
[0092] The units described as separate components can or can not be physically separated, and the components shown as units can or can not be physical units, that is, they can be located in one place, or they can be distributed on a plurality of network units. According to actual needs, some or all of the units can be selected to achieve the purpose of the embodiment.
[0093] In addition, the functional units in each embodiment of the application can be integrated in one processing unit, or each unit can exist physically, or two or more units can be integrated in one unit.
[0094] If the functions are implemented in the form of software function units and sold or used as independent products, they can be stored in a computer readable storage medium. Based on this understanding, the technical solutions of the present application or the parts of the technical solutions that essentially contribute to the prior art can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes a number of instructions for causing a computer device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the embodiments of the method of the present application. The aforementioned storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a magnetic disk or an optical disk, and various media that can store program codes.
[0095] It can be understood by those skilled in the art that all or part of the steps of the above-mentioned method embodiments can be completed by program instruction related hardware. The aforementioned program can be stored in a computer readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, magnetic disk or optical disk, and various media that can store program codes.
[0096] Finally, it should be noted that: those skilled in the art will easily think of other embodiments of the present application after considering the specification and practicing the application disclosed herein. The present application is intended to cover any variations, uses or adaptations of the present application that follow the general principles of the present application and include common knowledge or conventional technical means in the art that are not disclosed in the present application, and is not limited to the precise structure described above and shown in the drawings, and various modifications and changes can be made without departing from the scope thereof. The scope of the present application is only limited by the appended claims.
Claims
1. A transaction request processing method characterized by, The method comprises: obtaining transaction information corresponding to the internal account transaction request in response to the internal account transaction request, wherein the transaction information comprises one or more of transaction type information, transaction amount information, transaction source institution information, transaction counterparty information and business type information; if the transaction information comprises transaction type information, calling a first preset transaction rule corresponding to the transaction type information to verify the internal account transaction request; if the transaction information comprises transaction amount information, calling a second preset transaction rule corresponding to the transaction amount information to verify the internal account transaction request; if the transaction information comprises transaction source institution information, calling a third preset transaction rule corresponding to the transaction source institution information to verify the internal account transaction request; if the transaction information comprises transaction counterparty information, calling a fourth preset transaction rule corresponding to the transaction counterparty information to verify the internal account transaction request; if the transaction information comprises transaction type information, calling a fifth preset transaction rule corresponding to the business type information to verify the internal account transaction request; if the verification is passed, processing the internal account transaction request, and if the verification is not passed, canceling the processing of the internal account transaction request.
2. The method of claim 1, wherein, The calling of the first preset transaction rule corresponding to the transaction type information to verify the internal account transaction request comprises: if the transaction type information is an income transaction, determining a preset income rule corresponding to the income transaction and verifying the internal account transaction request according to the preset income rule; wherein the preset income rule is used to set the verification item information of the income transaction; if the transaction type information is an expenditure transaction, determining a preset expenditure rule corresponding to the expenditure transaction and verifying the internal account transaction request according to the preset expenditure rule; wherein the preset expenditure rule is used to set the approval process information of the expenditure transaction.
3. The method of claim 1, wherein, The calling of the second preset transaction rule corresponding to the transaction amount information to verify the internal account transaction request comprises: if the transaction amount information is less than or equal to a first preset amount, determining that the second preset transaction rule corresponding to the transaction amount information is no manual review, and determining that the internal account transaction request verification is passed; if the transaction amount information is greater than the first preset amount and less than a second preset amount, determining that the second preset transaction rule corresponding to the transaction amount information is single-level manual review, and performing single-level manual review on the internal account transaction request; if the transaction amount information is greater than or equal to the second preset amount, determining that the second preset transaction rule corresponding to the transaction amount information is multi-level manual review, and performing multi-level manual review on the internal account transaction request.
4. The method of claim 1, wherein, The calling of the third preset transaction rule corresponding to the transaction source institution information to verify the internal account transaction request comprises: if the transaction source institution information is an internal institution, determining that the third preset transaction rule corresponding to the source institution information is transaction permission information of the internal institution, and verifying the internal account transaction request according to the transaction permission information; If the transaction source institution information is an external institution, it is determined that the third preset transaction rule corresponding to the source institution information is institution list information of an external institution, and the internal account transaction request is verified according to the institution list information.
5. The method of claim 1, wherein, The fourth preset transaction rule corresponding to the transaction counterparty information is called to verify the internal account transaction request, including: If the transaction counterparty information is a transaction counterparty with which a trust relationship has been established, it is determined that the fourth preset transaction rule corresponding to the transaction counterparty information is single-level data auditing, and the internal account transaction request is subjected to single-level data auditing; If the transaction counterparty information is a transaction counterparty with which a trust relationship has not been established, it is determined that the fourth preset transaction rule corresponding to the transaction counterparty information is multi-level data auditing, and the internal account transaction request is subjected to multi-level data auditing.
6. The method of claim 1, wherein, The fifth preset transaction rule corresponding to the business type information is called to verify the internal account transaction request, including: If the transaction type information is a deposit business, it is determined that the fifth preset transaction rule corresponding to the transaction counterparty information is a rate auditing rule, and the internal account transaction request is verified through the rate auditing rule; If the transaction type information is a loan business, it is determined that the fifth preset transaction rule corresponding to the transaction counterparty information is a loan quota rule, and the internal account transaction request is verified through the loan quota rule; If the transaction type information is an intermediary business, it is determined that the fifth preset transaction rule corresponding to the transaction counterparty information is a business security rule matched with the intermediary business, and the internal account transaction request is verified through the business security rule.
7. A transaction request processing apparatus characterized by comprising: including: The acquisition module is configured to acquire transaction information corresponding to the internal account transaction request in response to the internal account transaction request, wherein the transaction information includes one or more of transaction type information, transaction amount information, transaction source institution information, transaction counterparty information, and business type information; The verification module is configured to, if the transaction information includes the transaction type information, call the first preset transaction rule corresponding to the transaction type information to verify the internal account transaction request; if the transaction information includes the transaction amount information, call the second preset transaction rule corresponding to the transaction amount information to verify the internal account transaction request; if the transaction information includes the transaction source institution information, call the third preset transaction rule corresponding to the transaction source institution information to verify the internal account transaction request; if the transaction information includes the transaction counterparty information, call the fourth preset transaction rule corresponding to the transaction counterparty information to verify the internal account transaction request; and if the transaction information includes the business type information, call the fifth preset transaction rule corresponding to the business type information to verify the internal account transaction request. The processing module is configured to, if the verification is passed, process the internal account transaction request, and if the verification is not passed, cancel processing of the internal account transaction request.
8. An electronic device, comprising: including: a memory and a processor; the memory stores computer execution instructions; the memory stores computer execution instructions; The processor executes computer-executed instructions stored in the memory, such that the processor performs the method of any one of claims 1 to 6.
9. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-executed instructions, which, when executed by a processor, implement the method of any one of claims 1 to 6.
10. A computer program product, characterised in that, A computer program is included, which, when executed by a processor, implements the method of any one of claims 1 to 6.