Stop-loss Request Triggering Method, Device, Equipment, System and Readable Storage Medium

Abstract

The present invention discloses a stop-loss request triggering method, device, equipment, system and readable storage medium, which relates to the field of financial technology. The method includes the steps of: when the comparison system receives a comparison instruction, obtaining a data transaction processing table corresponding to the transaction processing system, an acquirer processing table corresponding to the acquirer processing system and a core processing table corresponding to the core processing system according to the comparison instruction; comparing the transaction records between every two of the data transaction processing table, the acquirer processing table and the core processing table to obtain a comparison result; if it is determined that there is an unequal comparison result, triggering a stop-loss request according to the unequal comparison result according to a preset stop-loss rule; and sending the stop-loss request to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request. The present invention improves the timeliness of comparison, improves the error handling efficiency of unequal comparison results after comparison, and timely reduces the capital loss of the financial institution corresponding to the comparison system.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing in financial technology (Fintech), and particularly to a stop-loss request triggering method, device, equipment, system and readable storage medium. Background Art

[0002] With the continuous development of financial technology, especially Internet technology finance, more and more technologies (such as distributed, Blockchain, artificial intelligence, etc.) are applied in the financial field, but the financial industry also puts forward higher requirements for technologies, such as higher requirements for data comparison in the financial industry.

[0003] Currently, the process of data comparison (such as account reconciliation) in the financial industry is to reconcile the transaction records of the previous day on the current day, relying on the offline verification of operation and operation and maintenance personnel. Therefore, assuming that a transaction at 0:01 on the previous day is abnormal and causes an abnormal comparison result, it takes at least until 16:00 on the next day (39 hours later) to discover the abnormal data after comparison and then trace the abnormal transaction. At this time, the transaction losses that have occurred may already be irrecoverable. Obviously, the current comparison system has poor timeliness in data comparison and low error handling efficiency when abnormal data is found after data comparison. Summary of the Invention

[0004] The main purpose of the present invention is to provide a stop-loss request triggering method, device, equipment, system and readable storage medium, aiming to solve the technical problems of poor timeliness in existing data comparison and low error handling efficiency when abnormal data is found after data comparison.

[0005] To achieve the above object, the present invention provides a stop-loss request triggering method, and the stop-loss request triggering method includes the steps of:

[0006] After the comparison system receives a comparison instruction, obtain the data transaction processing table corresponding to the transaction processing system, the acquirer processing table corresponding to the acquirer processing system, and the core processing table corresponding to the core processing system according to the comparison instruction;

[0007] Compare the transaction records between every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain a comparison result;

[0008] If it is determined that there are unequal comparison results, then according to the unequal comparison results, trigger a stop-loss request according to a preset stop-loss rule;

[0009] Send the stop-loss request to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request.

[0010] Preferably, the step of comparing the transaction records between every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result includes:

[0011] Obtain the transaction records of the data transaction processing table, the acquiring processing table, and the core processing table within a preset time period;

[0012] Classify the transaction records corresponding to the data transaction processing table, the acquiring processing table, and the core processing table according to a preset classification rule to obtain the classification results corresponding to the data transaction processing table, the acquiring processing table, and the core processing table;

[0013] Compare the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result.

[0014] Preferably, after the step of obtaining the transaction records of the data transaction processing table, the acquiring processing table, and the core processing table within a preset time period, the following is further included:

[0015] Compare the target data in the transaction records corresponding to the same identification number between every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result.

[0016] Preferably, the step of comparing the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result includes:

[0017] Compare the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a first total score comparison result;

[0018] Obtain the remaining amount of the real account and the remaining amount of the virtual account corresponding to each trading platform in the core processing table, and obtain the receivable amount and the real account weight corresponding to the remaining amount of the real account;

[0019] Calculate the sum of the remaining amount of the real account and the receivable amount, and subtract the real account weight from the sum to obtain an amount difference;

[0020] Subtract the remaining amount of the virtual account from the amount difference to obtain a second total score comparison result, and determine the first total score comparison result and the second total score comparison result as the comparison result.

[0021] Preferably, the step of comparing the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result includes:

[0022] Compare the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain the first total comparison result;

[0023] Obtain the total reduction amount, total increase amount, and remaining amount at a certain point corresponding to each trading platform and / or each user;

[0024] Calculate the total difference between the total reduction amount and the total increase amount, and calculate the difference between the total difference and the remaining amount at a certain point to obtain the comparison difference result;

[0025] Determine the first total comparison result and the comparison difference result as the comparison result.

[0026] Preferably, the step of triggering a stop-loss request according to the unequal comparison result according to a preset stop-loss rule if it is determined that there is an unequal comparison result includes:

[0027] If it is determined that there is an unequal comparison result, and the unequal comparison result is a short payment, and the short payment amount corresponding to the short payment is greater than a preset amount, then trigger a stop-loss request to close the cash withdrawal function;

[0028] If the short payment amount is less than or equal to the preset amount, then trigger a stop-loss request to close the consumption function;

[0029] Or if the short payment amount is less than or equal to the preset amount, then trigger a stop-loss request to close the consumption function and output a first warning message.

[0030] Preferably, after the step of triggering a stop-loss request according to the unequal comparison result according to a preset stop-loss rule if it is determined that there is an unequal comparison result, it further includes:

[0031] Generate a second warning message corresponding to the stop-loss request, and send the second warning message to the monitoring system for the monitoring system to output the second warning message after receiving the second warning message.

[0032] In addition, to achieve the above object, the present invention also provides a stop-loss request triggering device, and the stop-loss request triggering device includes:

[0033] An acquisition module, configured to obtain a data transaction processing table corresponding to a transaction processing system, an acquiring processing table corresponding to an acquiring processing system, and a core processing table corresponding to a core processing system according to the comparison instruction when the comparison system receives the comparison instruction;

[0034] A comparison module, configured to compare the transaction records between every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result;

[0035] A triggering module, configured to, if it is determined that there are unequal comparison results, trigger a stop-loss request according to the unequal comparison results and in accordance with a preset stop-loss rule;

[0036] A sending module, configured to send the stop-loss request to the transaction processing system, so that the transaction processing system performs a stop-loss operation according to the stop-loss request.

[0037] In addition, to achieve the above object, the present invention further provides a stop-loss request triggering device, which includes a memory, a processor, and a stop-loss request triggering program stored on the memory and executable on the processor. When the stop-loss request triggering program is executed by the processor, the steps of the stop-loss request triggering method described above are implemented.

[0038] In addition, to achieve the above object, the present invention further provides a computer-readable storage medium, on which a stop-loss request triggering program is stored. When the stop-loss request triggering program is executed by a processor, the steps of the stop-loss request triggering method described above are implemented.

[0039] In addition, to achieve the above object, the present invention further provides a stop-loss request triggering system, which includes a comparison system, a transaction processing system, an acquirer processing system, and a core processing system. The stop-loss request triggering system includes the following steps:

[0040] After the transaction processing system receives a transaction request sent by a client, the transaction processing system obtains transaction information corresponding to the transaction request, sends the transaction request to the acquirer processing system, and sends the transaction information to the comparison system by an asynchronous sending method, so that the comparison system writes the transaction information into a data transaction processing table corresponding to the transaction processing system;

[0041] After the acquirer processing system receives the transaction request, the acquirer processing system obtains transaction information corresponding to the transaction request, and sends the transaction information to the comparison system by an asynchronous sending method, so that the comparison system writes the transaction information into an acquirer processing table corresponding to the acquirer processing system;

[0042] After the core processing system receives a bookkeeping request, the core processing system obtains bookkeeping information corresponding to the bookkeeping request, and sends the bookkeeping information to the comparison system by an asynchronous sending method, so that the comparison system writes the bookkeeping information into a core processing table corresponding to the core processing system;

[0043] When the comparison system receives a comparison instruction, the comparison system obtains a data transaction processing table corresponding to the transaction processing system, a card acceptance processing table corresponding to the card acceptance processing system, and a core processing table corresponding to the core processing system according to the comparison instruction; compares the transaction records between every two of the data transaction processing table, the card acceptance processing table, and the core processing table to obtain a comparison result; if it is determined that there is an unequal comparison result, a stop-loss request is triggered according to the unequal comparison result in accordance with a preset stop-loss rule; and the stop-loss request is sent to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request.

[0044] In the present invention, after the comparison system receives a comparison instruction, a data transaction processing table corresponding to the transaction processing system, a card acceptance processing table corresponding to the card acceptance processing system, and a core processing table corresponding to the core processing system are obtained according to the comparison instruction, the transaction records between every two of the data transaction processing table, the card acceptance processing table, and the core processing table are compared to obtain a comparison result, and according to the unequal comparison result, a stop-loss request is triggered in accordance with a preset stop-loss rule, and the stop-loss request is sent to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request. It realizes data comparison operations after the comparison system receives a comparison instruction, without waiting until the end of the T+1 trading day for comparison, improves the timeliness of comparison, and when the comparison result is unequal, corresponding stop-loss operations are performed, improving the efficiency of data error handling for unequal comparison results after comparison and timely reducing the capital losses of the financial institution corresponding to the comparison system. BRIEF DESCRIPTION OF THE DRAWINGS

[0045] Figure 1 is a schematic flowchart of the first embodiment of the stop-loss request triggering method of the present invention;

[0046] Figure 2 is a schematic flowchart of the third embodiment of the stop-loss request triggering method of the present invention;

[0047] Figure 3 is a functional schematic diagram module diagram of the preferred embodiment of the stop-loss request triggering device of the present invention;

[0048] Figure 4 is a schematic structural diagram of the hardware operating environment involved in the embodiment solution of the present invention.

[0049] The realization, functional features, and advantages of the objectives of the present invention will be further described with reference to the embodiments and the accompanying drawings. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0050] It should be understood that the specific embodiments described herein are only used to explain the present invention and are not used to limit the present invention.

[0051] The present invention provides a stop-loss request triggering method, referring toFigure 1 , Figure 1 is a schematic flowchart of the first embodiment of the stop-loss request triggering method of the present invention.

[0052] The embodiments of the present invention provide embodiments of the stop-loss request triggering method. It should be noted that although the logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than here.

[0053] The stop-loss request triggering method is applied to a comparison system. The stop-loss request triggering method includes:

[0054] Step S10, when the comparison system receives a comparison instruction, obtain the data transaction processing table corresponding to the transaction processing system, the acquirer processing table corresponding to the acquirer processing system, and the core processing table corresponding to the core processing system according to the comparison instruction.

[0055] When the comparison system receives a comparison instruction, the comparison system obtains the data transaction processing table corresponding to the transaction processing system, the acquirer processing table corresponding to the acquirer processing system, and the core processing table corresponding to the core processing system according to the comparison instruction. In the financial field, the acquirer processing system can be a cashier system. The comparison instruction can be sent by the transaction processing system. For example, when the transaction processing system detects an update in the transaction status, the transaction processing system generates a comparison instruction and sends the comparison instruction to the comparison system. The comparison instruction can be triggered by a scheduled task in the comparison system. The scheduled task can be set to trigger a comparison instruction every 5 minutes or every 10 minutes. Specifically, during the comparison process, the transaction records updated before a preset time period in the data transaction processing table, the acquirer processing table, and the core processing table are compared. For example, the transaction records updated 5 minutes ago in the data transaction processing table, the acquirer processing table, and the core processing table can be compared, or the transaction records updated 8 minutes ago in the data transaction processing table, the acquirer processing table, and the core processing table can be compared. During the comparison process, the transaction information such as the transaction quantity, transaction amount, and transaction status in the transaction records is mainly compared.

[0056] It should be noted that in the data transaction processing table, the acquiring processing table, and the core processing table, the transaction information corresponding to each transaction record is stored. The transaction information includes, but is not limited to, the transaction identification number, the transaction amount, the initiating user information of the initiating transaction, the receiving user information of the receiving transaction, the transaction time, the transaction platform ID (Identity document), the transaction status, and the transaction order number. The user information includes, but is not limited to, the user's ID number, telephone number, and name. In this embodiment, the available transaction serial number can be used as the transaction identification number. The transaction status includes the processing status, the successful status, and the failed status. The transaction platform corresponding to the transaction record can be uniquely determined through the transaction platform ID. In each processing table, there may be different transaction information. For example, the transaction channel number is not included in the data transaction processing table, while the transaction channel number is included in the acquiring processing table.

[0057] Step S20: Compare the transaction records between every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result.

[0058] After the comparison system obtains the data transaction processing table, the acquiring processing table, and the core processing table, the comparison system compares the transaction records between every two of the data transaction processing table, the acquiring processing table, and the core processing table within a preset duration to obtain a comparison result. The preset duration can be set according to specific needs. In this embodiment, the start time point and the end time point of the preset duration are not specifically limited. For example, the start time point of the preset duration can be set to 0:00:00 of the current day, and the end time point can be set to 5 minutes before the current time. If the current time is 10:30 am, then the end time point is 10:25. The comparison results include two categories, namely equal and not equal. It should be noted that the equal comparison result means balanced accounts, and the not equal comparison result means unbalanced accounts. Unbalanced accounts include short payments and long payments. Balanced accounts mean that the amounts of each classified account are mutually calculated and equal to the amount of its summary account; short payment means that the amount of cash at the time of closing accounts is less than the amount on the account book; long payment means that the actual amount of cash in stock is greater than the amount on the account book. When the comparison result is not equal, the comparison result will also include the short payment amount corresponding to the short payment and the long payment amount corresponding to the long payment.

[0059] Specifically, the comparison system compares the data transaction processing table with the acquiring processing table, compares the acquiring processing table with the core processing table, and compares the data transaction processing table and the core processing table to obtain a comparison result. Under normal circumstances, the transaction information of a transaction record will exist in the data transaction processing table, the acquiring processing table, and the core processing table at the same time.

[0060] Furthermore, step S20 includes:

[0061] Step a, obtain the transaction records of the data transaction processing table, the acquiring processing table, and the core processing table within a preset time period.

[0062] Step b, classify the transaction records corresponding to the data transaction processing table, the acquiring processing table, and the core processing table according to a preset classification rule to obtain the classification results corresponding to the data transaction processing table, the acquiring processing table, and the core processing table.

[0063] That is, the comparison system obtains the transaction records of the data transaction processing table, the acquiring processing table, and the core processing table within a preset time period, and classifies the transaction records corresponding to the data transaction processing table, the acquiring processing table, and the core processing table according to a preset classification rule to obtain the classification results corresponding to the data transaction processing table, the acquiring processing table, and the core processing table. Among them, the preset classification rule can be classification according to the trading platform and / or the trading status. For example, classify the transaction records in the data transaction data table according to the trading platform to obtain the transaction records belonging to the same trading platform. It can be understood that when classifying according to the trading platform, the obtained classification result is the transaction record corresponding to the data transaction processing table, the acquiring processing table, and the core processing table that belongs to the same trading platform. It should be noted that during the classification process, the classification object is a single processing table, that is, the transaction records in the data transaction processing table, the acquiring processing table, and the core processing table are classified according to the classification rule respectively, and the obtained classification result is only for a single processing table.

[0064] Step c, compare the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result.

[0065] After the comparison system obtains the classification results corresponding to the data transaction processing table, the acquiring processing table, and the core processing table, the comparison system compares the classification results corresponding to the data transaction processing table and the acquiring processing table to obtain a first comparison result, compares the classification results corresponding to the acquiring processing table and the core processing table to obtain a second comparison result, and compares the classification results corresponding to the data transaction processing table and the core processing table to obtain a third comparison result. It can be understood that at this time, the first comparison result, the second comparison result, and the third comparison result are the comparison results obtained by the comparison system. It should be noted that for the same classification, that is, for the same trading platform or the same trading status, only when the first comparison result, the second comparison result, and the third comparison result are all in balance, the obtained comparison result is in balance; when the first comparison result, the second comparison result, and / or the third comparison result are not equal, the obtained comparison result is unequal.

[0066] Specifically, by way of example, the comparison system respectively obtains the transaction records in the data transaction processing table, the acquirer processing table, and the core processing table at 0:00:00 on the current day and less than 5 minutes before the current time, and then classifies the transaction records according to the trading platform to obtain the transaction records corresponding to each trading platform in the data transaction processing table, the acquirer processing table, and the core processing table. Then, the transaction records corresponding to the same trading platform in the data transaction processing table and the acquirer processing table are compared to obtain the first comparison result. At this time, the first comparison result is the comparison result of each trading platform in the data transaction processing table and the acquirer processing table. By analogy, the second comparison result and the third comparison result can be obtained.

[0067] By classifying the transaction records and using the classified transaction records for comparison, the efficiency of obtaining the comparison result is improved.

[0068] Furthermore, step S20 further includes:

[0069] Step d, comparing the target data in the transaction records corresponding to the same identification number between every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain a comparison result.

[0070] Furthermore, after the comparison system obtains the data transaction processing table, the acquirer processing table, and the core processing table, the comparison system respectively obtains the transaction records generated within a preset time period in the data transaction processing table, the acquirer processing table, and the core processing table. For example, it obtains the transaction records generated at 0:00:00 on the current day and less than 8 minutes before the current time, or obtains the transaction records generated within the time period from T - 1 to T + 2, and traverses the corresponding transaction records in the obtained data transaction processing table, acquirer processing table, and core processing table according to the identification number, and compares the target data in the obtained transaction records corresponding to the same identification number between every two of the data transaction processing table, acquirer processing table, and core processing table to obtain a comparison result. Among them, the target data includes but is not limited to the transaction amount and the transaction status. At this time, during the process of comparing the corresponding transaction records in the data transaction processing table, the acquirer processing table, and the core processing table, only several target data in the transaction records can be compared instead of all the transaction information in the transaction records. T is the trading day, T - 1 is the previous day of the trading day, and T + 2 are the two days after the trading day.

[0071] By comparing the target data in the transaction records corresponding to the same identification number in different processing tables without comparing all the data corresponding to the transaction records, the comparison efficiency of the data in the transaction records is improved.

[0072] Step S30, if it is determined that there are unequal comparison results, then trigger a stop - loss request according to the unequal comparison results according to the preset stop - loss rules.

[0073] After the comparison system obtains the comparison result, the comparison system detects whether there are unequal comparison results. Among them, the reconciliation and unequal comparison results can be represented by different result identifiers, and the comparison system can determine whether the comparison result is a reconciliation or unequal through the result identifier. In this embodiment, the form of the result identifier is not limited. For example, when the result identifier is "0", it means that the comparison result is a reconciliation; when the result identifier is "11", it means that the comparison result is a shortfall; when the result identifier is "10", it means that the comparison result is an overage.

[0074] When the comparison system determines that there are unequal comparison results, the comparison system triggers a stop-loss request according to the unequal comparison results in accordance with a preset stop-loss rule. Among them, the stop-loss rule can be pre-set by the user according to specific needs. Further, when the comparison system determines that there are no unequal comparison results, that is, the comparison results are all reconciliations, the comparison system can generate a success message for successful comparison and send the success message to the transaction processing system, the acquirer processing system, and / or the core processing system to prompt the transaction processing system, the acquirer processing system, and / or the core processing system of successful comparison according to the success message.

[0075] Further, after the comparison system determines that the comparison result is a reconciliation, the comparison system adds a comparison-completed identifier to the transaction record corresponding to the reconciliation. In this embodiment, the form of the comparison-completed identifier is not limited. When the comparison system performs a comparison operation next time, the comparison system will not obtain the transaction record with the comparison-completed identifier for comparison, avoiding repeated comparison of the successfully compared transaction records and saving the resources of the comparison system.

[0076] Further, step S30 includes:

[0077] Step e, if it is determined that there are unequal comparison results, and the unequal comparison result is a shortfall, and the shortfall amount corresponding to the shortfall is greater than the preset amount, then trigger a stop-loss request to close the cash withdrawal function.

[0078] Step g, if the shortfall amount is less than or equal to the preset amount, then trigger a stop-loss request to close the consumption function.

[0079] Or step h, if the shortfall amount is less than or equal to the preset amount, then trigger a stop-loss request to close the consumption function and output a first warning message.

[0080] Further, when the comparison system determines that there are unequal comparison results, the comparison system determines whether the unequal comparison result is a shortfall or an overage. In this embodiment, if the comparison system determines that the manifestation form of the unequal comparison result is "+A", the comparison system determines that the unequal comparison result is an overage; if the comparison system determines that the manifestation form of the unequal comparison result is "-A", the comparison system determines that the unequal comparison result is a shortfall, where A represents a specific amount.

[0081] When the comparison system determines that the unequal comparison result is a shortfall, the comparison system determines whether the shortfall amount corresponding to the shortfall is greater than a preset amount. The preset amount can be set according to specific needs. For example, the shortfall amount can be set to 1000, 6000, or 10000, etc. If it is determined that the shortfall amount is greater than the preset amount, the comparison system triggers a stop-loss request to close the cash withdrawal function; if it is determined that the shortfall amount is less than or equal to the preset amount, the comparison system triggers a stop-loss request to close the consumption function.

[0082] Further, when the comparison system determines that the shortfall amount is less than or equal to the preset amount, the comparison system triggers a stop-loss request to close the message function and output a first warning message. Further, when the comparison system triggers a stop-loss request to close the consumption function, the comparison system can also trigger a stop-loss request to output a warning message together.

[0083] It should be noted that the preset stop-loss rule can also be: when the comparison system determines that there are unequal comparison results, the comparison system determines the unequal amount of the unequal comparison result. At this time, the unequal amount can be the shortfall amount or the overage amount. When the comparison system determines that the unequal amount is greater than the preset amount, the comparison system triggers a stop-loss request to limit cash withdrawal. The cash withdrawal request restricted is to prohibit the execution of cash withdrawal requests greater than the preset cash withdrawal amount. The preset cash withdrawal amount can be set to 10000, or set to 100000, etc. When the comparison system determines that the unequal amount is less than or equal to the preset amount, the comparison system triggers a stop-loss request to limit consumption. The consumption request restricted is to prohibit the execution of consumption requests greater than the preset consumption amount. In this embodiment, the size of the preset consumption amount is not specifically limited, and the user can set it according to specific needs.

[0084] By triggering different stop-loss requests through the shortfall amount corresponding to the shortfall when the unequal comparison result is a shortfall, it is convenient to improve the success rate of transactions while ensuring transaction security.

[0085] Step S40, send the stop-loss request to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request.

[0086] When the comparison system automatically triggers a stop-loss request, the comparison system sends the stop-loss request to the transaction processing system. When the transaction processing system receives the stop-loss request, the transaction processing system performs corresponding stop-loss operations according to the stop-loss request. For example, when the stop-loss request is to close the cash withdrawal function, the transaction processing system performs the closing operation of closing the cash withdrawal function according to the stop-loss request; when the stop-loss request is to close the consumption function, the transaction processing system performs the closing operation of closing the message function according to the stop-loss request. In the embodiments of the present invention, the transaction processing system sets corresponding function switches for each trading platform and provides corresponding switch control interfaces. Each function has a corresponding function ID. Therefore, when the transaction processing system receives a stop-loss request, the transaction processing system can determine the operation to be performed according to the function ID corresponding to the stop-loss request. For example, when the stop-loss request is to close the cash withdrawal function, the stop-loss request will carry the function ID corresponding to the cash withdrawal function. At this time, the transaction processing system will call the corresponding switch control interface and update the function switch corresponding to the cash withdrawal function from the start state to the closed state according to the stop-loss request. For example, the status value corresponding to the function switch corresponding to the cash withdrawal function is changed from true to false, where true represents the start state and false represents the closed state.

[0087] It should be noted that regardless of whether the first warning message needs to be output in the stop-loss request, after receiving the stop-loss request, the transaction processing system can generate a warning message by itself and output the warning message to notify the corresponding operation and maintenance personnel of the transaction processing system to analyze the reason for the inequality, so that the operation and maintenance personnel can decide whether to restart the cash withdrawal function and consumption function, and timely remind the corresponding operation and maintenance personnel through the warning message to reduce the capital loss of the financial institution corresponding to the transaction processing system. Further, the transaction processing system can also restart the cash withdrawal function and consumption function after a certain period of time when the cash withdrawal function or consumption function is closed.

[0088] In this embodiment, when the comparison system receives a comparison instruction, it obtains the data transaction processing table corresponding to the transaction processing system, the acquirer processing table corresponding to the acquirer processing system, and the core processing table corresponding to the core processing system according to the comparison instruction, compares the transaction records between every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain a comparison result, and according to the unequal comparison result, triggers a stop-loss request according to a preset stop-loss rule and sends the stop-loss request to the transaction processing system for the transaction processing system to perform stop-loss operations according to the stop-loss request. It realizes the comparison operation after the comparison system receives the comparison instruction, without waiting until the end of the T+1 trading day for comparison, improves the timeliness of comparison, and when the comparison result is unequal, performs corresponding stop-loss operations, improves the error handling efficiency of unequal comparison results after comparison, and timely reduces the capital loss of the financial institution corresponding to the comparison system.

[0089] Furthermore, a second embodiment of the stop-loss request triggering method of the present invention is proposed.

[0090] The difference between the second embodiment of the stop-loss request triggering method and the first embodiment of the stop-loss request triggering method is that step c includes:

[0091] Step c1, comparing the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a first total score comparison result.

[0092] Step c2, obtaining the remaining amount of the real account and the remaining amount of the virtual account corresponding to each trading platform in the core processing table, and obtaining the receivable amount and the real account weight corresponding to the remaining amount of the real account.

[0093] After the comparison system obtains the classification results corresponding to the data transaction processing table, the acquiring processing table, and the core processing table, the comparison system compares the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a first total score comparison result. At this time, the first total score comparison result includes a first comparison result, a second comparison result, and a third comparison result. The comparison system queries the end-of-day balance table in the core processing table to obtain the remaining amount of the real account and the remaining amount of the virtual account corresponding to each trading platform in the core processing table. Among them, the remaining amount of the real account is the balance of the real account funds, and the remaining amount of the virtual account is the balance of the virtual account funds. The end-of-day balance table includes the real account end-of-day balance table and the virtual account end-of-day balance table. The end-of-day balance table stores the account balances of each account at the end of each day. The real account is a real account, which refers to an account with a balance at the end of the period; the virtual account is a virtual account, symmetric to the "real account", which refers to an account with no balance at the end of the period.

[0094] It should be noted that for the convenience of description, the following embodiments are compared based on the trading platform, that is, in the comparison process, in each processing table, the trading records of the same trading platform are obtained for comparison. After the comparison system obtains the remaining amount of the actual account and the remaining amount of the virtual account, the comparison system obtains the receivable amount corresponding to the remaining amount of the actual account and the actual account weight. Among them, the actual account weight is the interest of the actual account, and the receivable amount can be the receivable amount of the current day. Specifically, after the T+1 comparison is completed, the receivables on the T day are calculated through the data of the comparison and reconciliation. The actual account weight can be obtained by querying the interest table in the core processing table. In this interest table, the interest generated by each account at different time periods is stored. Through this interest table, the interest generated by each account before the end of the current day can be obtained, and the interests generated by all accounts in each trading platform are summed up to obtain the actual account weight of each trading platform. It should be noted that in this embodiment, the obtained remaining amount of the actual account, the remaining amount of the virtual account, the receivable amount, and the actual account weight are for the end-of-day comparison. For example, if the end-of-day comparison time is 1:00 am the next day, that is, at 1:00 am the next day, the remaining amount of the actual account, the remaining amount of the virtual account, the receivable amount, and the actual account weight of the user on the previous day are obtained.

[0095] For the convenience of calculation, the comparison system can record the obtained remaining amount of the actual account, the remaining amount of the virtual account, the receivable amount, and the actual account weight in the end-of-day total comparison table. Subsequently, when calculating the second result of the total comparison, the remaining amount of the actual account, the remaining amount of the virtual account, the receivable amount, and the actual account weight are directly obtained from the end-of-day total comparison table.

[0096] Step c3, calculate the sum of the remaining amount of the actual account and the receivable amount, subtract the actual account weight from the sum of the amounts to obtain the amount difference.

[0097] Step c4, subtract the remaining amount of the virtual account from the amount difference to obtain the second result of the total comparison, and determine the first result of the total comparison and the second result of the total comparison as the comparison result.

[0098] After the comparison system obtains the remaining amount of the actual account, the remaining amount of the virtual account, the receivable amount, and the actual account weight, the comparison system uses the following formula to calculate the second result of the total comparison for each trading platform: Second result of total comparison = (remaining amount of actual account + receivable amount - actual account weight) - remaining amount of virtual account. It can be seen from this that the comparison system calculates the sum of the remaining amount of the actual account and the receivable amount for each trading platform, subtracts the actual account weight of the corresponding trading platform from the sum of the amounts to obtain the amount difference, and then subtracts the remaining amount of the virtual account of the corresponding trading platform from the amount difference to obtain the second result of the total comparison. When the comparison system obtains the first result of the total comparison and the second result of the total comparison, the comparison system determines the first result of the total comparison and the second result of the total comparison as the comparison result.

[0099] Furthermore, the comparison system can also perform real-time total score comparison. At this time, the comparison system does not need to wait until the end-of-day comparison time to execute the comparison operation. The comparison system can perform the comparison operation when new transaction records are generated, or perform the total score comparison after a fixed time interval. Specifically, the comparison system obtains the real-time balance of actual accounts, the real-time balance of virtual accounts, the real-time receivable amount, and the real-time interest of actual accounts for each trading platform. The method for the comparison system to obtain the real-time balance of actual accounts is as follows: ① The comparison system obtains the real-time balance of actual accounts corresponding to each trading platform in the core processing system through the real-time query interface of the core processing system; ② The comparison system obtains the daily transaction records of each trading platform after zero o'clock and before the current time point through the real-time transaction record query interface of the core processing system, and calculates the transaction amount corresponding to the current time point for each account in each trading platform through the daily transaction records. The transaction amount of each account = the amount of credit on the day - the amount of debit on the day, where the amount of credit on the day is the amount increased by a certain account on the day, and the amount of debit on the day is the amount decreased by the account on the day. The comparison system adds up the transaction amounts of all accounts belonging to the same trading platform, which is equal to the transaction amount of the trading platform. The comparison system adds the transaction amount of the trading platform to the end-of-day balance of the trading platform to obtain the real-time balance of actual accounts. The end-of-day balance is the remaining amount of the actual account of the trading platform on the previous day.

[0100] The comparison system can obtain the successful transaction records that have been successfully traded after zero o'clock and before the current time point through the transaction record query interface of the core processing system, and calculate the real-time receivable amount at the current time point based on the successful transaction records. The comparison system can add up the real-time receivable amounts corresponding to the successful transaction records of each account in each trading platform to obtain the real-time receivable amount corresponding to each trading platform. During the calculation of the real-time receivable amount, the amount of credit corresponding to the successful transaction record of a certain account can be subtracted from the amount of debit. Furthermore, during the calculation of the real-time receivable amount, it can also be calculated according to the transaction type.

[0101] The process for the comparison system to obtain the real-time interest of actual accounts is similar to the process for the comparison system to obtain the weight of actual accounts, and will not be repeated here. The comparison system can obtain the virtual account balances of all accounts in each trading platform through the balance query interface of the core processing system, and sum up the virtual account balances of each account in each trading platform to obtain the real-time balance of virtual account funds corresponding to each trading platform.

[0102] After the comparison system obtains the real-time balance of actual accounts, the real-time balance of virtual accounts, the real-time receivable amount, and the real-time interest of actual accounts for each trading platform, it calculates the third result of the total score comparison for each trading platform using the following formula: the third result of the total score comparison = (real-time balance of actual accounts + real-time receivable amount - real-time interest of actual accounts) - real-time balance of virtual account funds, and determines the first result of the total score comparison and the third result of the total score comparison as the comparison result.

[0103] When the comparison system determines the first total comparison result and the second total comparison result as the comparison result, and / or determines the first total comparison result and the third total comparison result as the comparison result, the comparison system determines whether to trigger a stop-loss request based on this comparison result. For example, when there is at least one unequal comparison result between the first total comparison result and / or the second total comparison result, and this unequal comparison result is a shortfall, and the shortfall amount corresponding to this shortfall is greater than the preset amount, the comparison system triggers a stop-loss request to close the cash withdrawal function; when the shortfall amount corresponding to this comparison result is less than or equal to the preset amount, the comparison system triggers a stop-loss request to close the consumption function and output the first warning message.

[0104] By comparing the transaction records in each processing table using different dimensions to obtain the comparison result, the accuracy of the obtained comparison result is improved.

[0105] Further, in order to improve the accuracy rate of the obtained comparison result, step c further includes:

[0106] Step c5, compare the classification results corresponding to every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain the first total comparison result.

[0107] Step c6, obtain the total reduction amount, total increase amount, and remaining amount at a point in time corresponding to each trading platform and / or each user.

[0108] After the comparison system obtains the classification results corresponding to the data transaction processing table, the acquirer processing table, and the core processing table, the comparison system compares the classification results corresponding to every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain the first total comparison result. The comparison system obtains the total reduction amount, total increase amount, and remaining amount at a point in time corresponding to each trading platform and / or each account. It should be noted that the total reduction amount is the total debit amount of the transaction flow, the total increase amount is the total credit amount of the transaction flow, and the remaining amount at a point in time is the balance at a point in time. One trading platform corresponds to at least one account. By adding up the total reduction amounts of all accounts corresponding to a certain trading platform, the total reduction amount of this trading platform can be obtained; by adding up the total increase amounts of all accounts corresponding to a certain trading platform, the total increase amount of this trading platform can be obtained; by adding up the remaining amounts at a point in time of all accounts corresponding to a certain trading platform, the remaining amount at a point in time of this trading platform can be obtained. Specifically, the comparison system can obtain the total reduction amount and total increase amount of each account in the preset balance change record table. The total reduction amount is the total amount reduced by this account, the total increase amount is the total amount increased by this account, and the remaining amount at a point in time is the current balance of the account. The time periods corresponding to the total reduction amount and total increase amount can be set according to specific needs. In this embodiment, the time periods corresponding to the total reduction amount and total increase amount are not specifically limited.

[0109] Step c7: Calculate the total difference between the total amount of reduction and the total amount of increase, and calculate the difference between the total difference and the remaining amount at the time point to obtain the comparison difference result.

[0110] Step c8: Determine the comparison result by using the first total score comparison result and the comparison difference result.

[0111] After the comparison system obtains the total amount of reduction, the total amount of increase, and the remaining amount at the time point, the comparison system calculates the comparison difference result by using the following formula: Comparison difference result = (Total amount of reduction - Total amount of increase) - Remaining amount at the time point, that is, the comparison system calculates the total difference between the total amount of reduction and the total amount of increase, calculates the difference between the total difference and the remaining amount at the time point to obtain the comparison difference result, and determines the first total score comparison result and the comparison difference result as the comparison result.

[0112] This embodiment improves the accuracy of the comparison result through comparisons in different dimensions, thereby improving the accuracy of triggering the stop-loss request and the accuracy of error handling after comparison.

[0113] Furthermore, a third embodiment of the stop-loss request triggering method of the present invention is proposed.

[0114] The difference between the third embodiment of the stop-loss request triggering method and the first or second embodiment of the stop-loss request triggering method is that, with reference to Figure 2 , the stop-loss request triggering method further includes:

[0115] Step S50: Generate a second warning message corresponding to the stop-loss request, and send the second warning message to the monitoring system for the monitoring system to output the second warning message after receiving the second warning message.

[0116] After the comparison system generates a stop-loss request, the comparison system can generate a second warning message corresponding to the stop-loss request and send the second warning message to the monitoring system. After the monitoring system receives the second warning message, the monitoring system outputs the second warning message, and according to the second warning message, it prompts the monitoring user that there is an unequal comparison result, so as to facilitate the monitoring user to analyze the reason for the unequal comparison result in a timely manner and resolve the unequal comparison result in a timely manner.

[0117] It should be noted that the comparison system can generate a second warning message when it determines that there is an unequal comparison result, or can also generate a second warning message after sending the stop-loss request to the transaction processing system. The second warning message can carry the shortfall amount and / or overage amount corresponding to the inequality.

[0118] In this embodiment, by generating a second warning message corresponding to the stop-loss request and sending the second warning message to the monitoring system, it is convenient for the monitoring user corresponding to the monitoring system to monitor the unequal transaction situation according to the second warning message, thereby improving the accuracy of transactions.

[0119] In addition, the present invention also provides a stop-loss request triggering system, which includes a comparison system, a transaction processing system, an acquirer processing system, and a core processing system. The stop-loss request triggering system includes the following steps:

[0120] Step i, when the transaction processing system receives a transaction request sent by a client, the transaction processing system obtains the transaction information corresponding to the transaction request, sends the transaction request to the acquirer processing system, and sends the transaction information to the comparison system by an asynchronous sending method for the comparison system to write the transaction information into the data transaction processing table corresponding to the transaction processing system.

[0121] When a client user needs to conduct a transaction, the client user can trigger a transaction request on the display interface of the client. When the client receives the transaction request, the client sends the transaction request to the transaction processing system. The transaction request includes, but is not limited to, a recharge request, a consumption request, a cash withdrawal request, and a refund request. The recharge request and the consumption request belong to the collection business requests. For the collection business requests, the transaction processing system will first confirm that the acquirer processing system has successfully executed the collection business request, and then the transaction processing system will send a bookkeeping request to the core processing system for the core processing system to perform ledger bookkeeping according to the bookkeeping request; for the payment business requests, after the transaction processing system confirms that the core processing system has successfully deducted the ledger corresponding to the payment business request, the transaction processing system will send the corresponding payment business request to the acquirer processing system for the acquirer processing system to perform the corresponding payment operation according to the payment business request.

[0122] When the transaction processing system receives a transaction request, the transaction processing system obtains the transaction information corresponding to the transaction request, marks the transaction status of the transaction information in the transaction request as the initial status, and sends the transaction request to the acquiring processing system. Among them, the initial status indicates that the transaction request is in a pending execution status. The transaction information includes, but is not limited to, the transaction identification number, the transaction amount, the initiating user information of the initiating transaction, the receiving user information of the receiving transaction, the transaction time, the transaction platform ID, the transaction status, and the transaction order number. When the transaction processing system obtains the transaction information, it sends the transaction information to the comparison system by means of asynchronous transmission. Among them, the transaction status in the transaction information sent to the comparison system is the initial status. When the comparison system receives the transaction information sent by the transaction processing system, it writes the transaction information into the data transaction processing table preset for the transaction processing system by the transaction processing system. It can be understood that in the data transaction processing table, there are fields corresponding to each transaction information. When the comparison system writes the transaction information into the data transaction processing table, it only needs to write the corresponding transaction information into the corresponding field.

[0123] Step j, when the acquiring processing system receives the transaction request, the acquiring processing system obtains the transaction information corresponding to the transaction request, and sends the transaction information to the comparison system by means of asynchronous transmission, so that the comparison system writes the transaction information into the acquiring processing table corresponding to the acquiring processing system.

[0124] When the acquiring processing system receives the transaction request sent by the transaction processing system, the acquiring processing system obtains the transaction information corresponding to the transaction request, and sends the transaction information to the comparison system by means of asynchronous transmission. When the comparison system receives the transaction information sent by the acquiring processing system, it writes the transaction information into the acquiring processing table preset for the acquiring processing system by the acquiring processing system. Further, when the acquiring processing system obtains the transaction information, if the transaction status in the transaction information is the initial status, the acquiring processing system does not update the transaction status. If the transaction status in the transaction information is not the initial status, the acquiring processing system updates the transaction status to the initial status. Specifically, the acquiring processing system can determine the current transaction status according to the status identifier. In this embodiment, there is a corresponding status identifier for each transaction status, and the present embodiment does not make specific restrictions on the manifestation form of the status identifier.

[0125] Step k, when the core processing system receives a bookkeeping request, the core processing system obtains the bookkeeping information corresponding to the bookkeeping request, and sends the bookkeeping information to the comparison system by means of asynchronous transmission, so that the comparison system writes the bookkeeping information into the core processing table corresponding to the core processing system.

[0126] After the core processing system receives the accounting request sent by the transaction processing system, the core processing system obtains the accounting information of the accounting request. The accounting information includes, but is not limited to, the transaction identification number, the transaction amount, the initiating user information of the initiating transaction, the receiving user information of the receiving transaction, the transaction time, the transaction platform ID, the transaction status, and the transaction order number, and sends the accounting information to the comparison system by means of asynchronous transmission. After the comparison system receives the transaction information sent by the core processing system, the transaction information is written into the core processing table preset for the core processing system by the core processing system.

[0127] Step l, when the comparison system receives the comparison instruction, the comparison system obtains the corresponding data transaction processing table of the transaction processing system, the corresponding acquirer processing table of the acquirer processing system, and the corresponding core processing table of the core processing system according to the comparison instruction; compares the transaction records between every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain a comparison result; if it is determined that there is an unequal comparison result, according to the unequal comparison result, a stop-loss request is triggered according to a preset stop-loss rule; the stop-loss request is sent to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request.

[0128] It should be noted that the execution process of step l is the same as that of the first embodiment of the stop-loss request triggering method, and will not be repeated here. Among them, the transaction information corresponding to the same transaction request forms a transaction record.

[0129] In this embodiment, after the transaction information is obtained through the transaction processing system and / or the acquirer processing system, and the accounting information is obtained by the core processing system, the transaction information and the accounting information are correspondingly sent to the comparison system for the comparison system to update the corresponding processing tables (the processing tables are the data transaction processing table, the acquirer processing table, and the core processing table) in real time according to the transaction information and the accounting information, so as to facilitate the comparison system to compare according to the transaction records in each processing table, improve the timeliness of the comparison, and improve the error handling efficiency of unequal comparison results after the comparison, and timely reduce the capital loss of the comparison system corresponding to the financial institution.

[0130] Furthermore, the stop-loss request triggering system further includes:

[0131] Step m, the acquirer processing system sends the transaction request to the payment system and detects whether it receives the execution status returned by the payment system after executing the transaction request; after receiving the execution status, an update instruction for updating the transaction status is generated according to the execution status and sent to the comparison system for the comparison system to update the corresponding transaction status in the acquirer processing table according to the update instruction.

[0132] After the acquiring processing system receives the transaction request sent by the transaction processing system, the acquiring processing system sends the transaction request to the payment system. The payment system executes the transaction request and returns the execution status to the acquiring processing system after executing the transaction request. When the cash register sends the transaction request to the payment system, the acquiring processing system detects whether it has received the execution status returned by the payment system after executing the transaction request. When the acquiring processing system receives the execution status returned by the payment system, the acquiring processing system updates the corresponding status field in the transaction information according to the execution status, and generates an update instruction for updating the transaction status according to the execution instruction, and sends the update instruction to the comparison system for the comparison system to update the corresponding transaction status in the acquiring processing table according to the update instruction.

[0133] Specifically, if the execution status is the successful execution status, the acquiring processing system updates the corresponding transaction status in the transaction information to the successful status according to the execution status, and generates a successful update instruction for updating the transaction status to the successful status according to the successful execution status, and sends the successful update instruction to the comparison system for the comparison system to update the corresponding transaction status in the acquiring processing table to the successful status according to the successful update instruction; if the execution status is the failed execution status, the acquiring processing system updates the corresponding transaction status in the transaction information to the failed status according to the execution status, and generates a failed update instruction for updating the transaction status to the failed status according to the successful execution status, and sends the failed update instruction to the comparison system for the comparison system to update the corresponding transaction status in the acquiring processing table to the failed status according to the failed update instruction; if the execution status is the processing status, the acquiring processing system updates the corresponding transaction status in the transaction information to the processing status according to the execution status, and generates a processing update instruction for updating the transaction status to the processing status according to the processing execution status, and sends the processing update instruction to the comparison system for the comparison system to update the corresponding transaction status in the acquiring processing table to the processing status according to the processing update instruction. It should be noted that in the acquiring processing system, the transaction information can also be presented in the form of a data table.

[0134] Furthermore, when the acquiring processing system receives the execution status, the acquiring processing system sends the execution status to the transaction processing system. When the acquiring processing system does not receive the execution status returned by the payment system after executing the transaction request, the acquiring processing system continues to detect whether it has received the execution status returned by the payment system after executing the transaction request.

[0135] In this embodiment, the transaction status is uniformly updated through the acquiring processing system, the transaction processing system and the comparison system, so that the transaction statuses in the acquiring processing system, the transaction processing system and the comparison system are unified, avoiding the situation of inconsistent transaction statuses in the obtained comparison results during the comparison process, and improving the accuracy of the obtained comparison results.

[0136] Furthermore, the stop-loss request triggering system further includes:

[0137] Step n, when the transaction processing system receives the execution status sent by the acquiring processing system and the execution status is a successful execution status, the transaction processing system generates a successful update instruction according to the successful execution status and sends the successful update instruction to the comparison system, so that the comparison system can update the corresponding transaction status in the data transaction processing table to the successful status according to the successful update instruction.

[0138] After the transaction processing system receives the execution status sent by the acquiring processing system, the transaction processing system modifies the transaction status in the transaction information according to the execution status, and generates an update instruction according to the execution status and sends it to the comparison system, so that the comparison system can update the corresponding transaction status in the data transaction processing table according to the update instruction. For example, when the execution status is a successful execution status, the transaction processing system generates a successful update instruction according to the successful execution status and sends the successful update instruction to the comparison system, so that the comparison system can update the corresponding transaction status in the data transaction processing table to the successful status according to the successful update instruction.

[0139] It should be noted that the process of the transaction processing system modifying the transaction status in the transaction information according to the execution status is the same as the process of the acquiring processing system modifying the transaction status in the transaction information according to the execution status, and will not be repeated here. The process of the comparison system updating the corresponding transaction status in the data transaction processing table according to the update instruction is the same as the process of the comparison system updating the corresponding transaction status in the acquiring processing table according to the update instruction, and will not be repeated here.

[0140] In this embodiment, the acquiring processing system, the transaction processing system, the core processing system, and the comparison system are used to uniformly update the transaction status, so that the transaction statuses in the acquiring processing system, the transaction processing system, and the comparison system are consistent, avoiding the situation where the transaction statuses in the obtained comparison results are inconsistent during the comparison process, and improving the accuracy of the obtained comparison results.

[0141] Further, when the transaction processing system receives the execution status sent by the acquiring processing system and determines that the execution status is the in - processing execution status or the failed execution status, the transaction processing system sends the execution status to the core processing system. When the core processing system receives the execution status, the core processing system performs ledger accounting operations according to the execution status to update the funds of the corresponding account corresponding to the execution status. For example, when the transaction request is a recharge request of 100 yuan and the execution status is the in - processing execution status, the core processing system will increase 100 yuan in the account of the user corresponding to the recharge request. It should be noted that when the execution status is the successful execution status, the transaction processing system does not need to send the execution status to the core processing system, that is, the core processing system does not need to perform ledger accounting operations, because when the execution status is the successful execution status, the entire accounting process is real - time accounting, and the change of the user's corresponding account funds is normal. When the execution status is the in - processing execution status or the failed execution status, there will be a lag in the change of the user's corresponding account funds. Therefore, in order to avoid the situation of lag in the change of the user's account funds, the transaction processing system actively sends the execution status to the core processing system so that the user's account funds can change in time.

[0142] Further, the stop - loss request triggering system further includes:

[0143] Step o, if the transaction processing system, the acquiring processing system, and / or the core processing system detect that the current transaction status is not the termination status, the transaction processing system, the acquiring processing system, and / or the core processing system respectively update the current transaction status through a polling query mechanism.

[0144] Further, the transaction processing system, the acquirer processing system, and / or the core processing system will detect in real time or at regular intervals whether their current transaction status is a termination status, where the termination status includes a success status and a failure status. If the transaction processing system, the acquirer processing system, and / or the core processing system detects that the current transaction status is not a termination status, the transaction processing system, the acquirer processing system, and / or the core processing system will update the current transaction status through a polling query mechanism accordingly. The polling query mechanism is for the transaction processing system, the acquirer processing system, and / or the core processing system to query each other's transaction status and decide whether to update the current transaction status based on the query results. For example, for transaction record A, when the transaction status in the core processing system is a success status while the transaction status in the transaction processing system is a processing status, the transaction processing system will update the transaction status of transaction record A from the processing status to the success status when it queries that the transaction status of transaction record A in the core processing system is a success status. The transaction processing system, the acquirer processing system, and / or the core processing system update the current transaction status through the polling query mechanism accordingly to maintain the consistency of the transaction status in the transaction processing system, the acquirer processing system, and / or the core processing system.

[0145] In addition, referring to Figure 3 , the present invention also provides a stop-loss request triggering device, which includes:

[0146] An acquisition module 10, configured to, when the comparison system receives a comparison instruction, obtain a data transaction processing table corresponding to the transaction processing system, an acquirer processing table corresponding to the acquirer processing system, and a core processing table corresponding to the core processing system according to the comparison instruction;

[0147] A comparison module 20, configured to compare the transaction records between every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain a comparison result;

[0148] A triggering module 30, configured to, if it is determined that there is an unequal comparison result, trigger a stop-loss request according to the unequal comparison result according to a preset stop-loss rule;

[0149] A sending module 40, configured to send the stop-loss request to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request.

[0150] Further, the comparison module 20 includes:

[0151] An acquisition unit, configured to obtain the transaction records within a preset time period of the data transaction processing table, the acquirer processing table, and the core processing table;

[0152] A classification unit for classifying the transaction records corresponding to the data transaction processing table, the acquiring processing table, and the core processing table according to a preset classification rule to obtain the classification results corresponding to the data transaction processing table, the acquiring processing table, and the core processing table;

[0153] A comparison unit for comparing the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result.

[0154] Further, the comparison unit is further configured to compare the target data in the transaction records corresponding to the same identification number between every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a comparison result.

[0155] Further, the comparison unit includes:

[0156] A first comparison subunit for comparing the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a first total score comparison result;

[0157] A first acquisition subunit for acquiring the actual account remaining amount and the virtual account remaining amount corresponding to each trading platform in the core processing table, and acquiring the receivable amount and the actual account weight corresponding to the actual account remaining amount;

[0158] A first calculation subunit for calculating the sum of the actual account remaining amount and the receivable amount, subtracting the actual account weight from the sum of the amounts to obtain an amount difference; subtracting the virtual account remaining amount from the amount difference to obtain a second total score comparison result;

[0159] A first determination subunit for determining the first total score comparison result and the second total score comparison result as the comparison result.

[0160] Further, the comparison unit further includes:

[0161] A second comparison subunit for comparing the classification results corresponding to every two of the data transaction processing table, the acquiring processing table, and the core processing table to obtain a first total score comparison result;

[0162] A second acquisition subunit for acquiring the total reduction amount, the total increase amount, and the remaining amount at a point in time corresponding to each trading platform and / or each user;

[0163] A second calculation subunit for calculating the total amount difference between the total reduction amount and the total increase amount, and calculating the difference between the total amount difference and the remaining amount at a point in time to obtain a comparison difference result;

[0164] A second determination subunit, configured to determine the total comparison first result and the comparison difference result as a comparison result.

[0165] Further, the trigger module 30 is further configured to, if it is determined that there is an unequal comparison result, and the unequal comparison result is a shortfall, and the shortfall amount corresponding to the shortfall is greater than a preset amount, trigger a stop-loss request to close the cash withdrawal function; if the shortfall amount is less than or equal to the preset amount, trigger a stop-loss request to close the consumption function; or if the shortfall amount is less than or equal to the preset amount, trigger a stop-loss request to close the consumption function and output a first warning message.

[0166] Further, the stop-loss request trigger device further includes:

[0167] A generation module, configured to generate a second warning message corresponding to the stop-loss request;

[0168] The sending module 40 is further configured to send the second warning message to a monitoring system, so that the monitoring system outputs the second warning message after receiving the second warning message.

[0169] It should be noted that each embodiment of the stop-loss request trigger device is basically the same as each embodiment of the above stop-loss request trigger method, and will not be elaborated in detail here.

[0170] In addition, the present invention further provides a stop-loss request trigger device. As Figure 4 shown, Figure 4 is a schematic structural diagram of a hardware operating environment involved in an embodiment of the present invention.

[0171] It should be noted that Figure 4 is a schematic structural diagram of the hardware operating environment of the stop-loss request trigger device. The stop-loss request trigger device in the embodiment of the present invention may be a terminal device such as a PC or a portable computer.

[0172] As Figure 4As shown in the figure, the stop-loss request triggering device may include: a processor 1001, such as a CPU, a memory 1005, a user interface 1003, a network interface 1004, and a communication bus 1002. Among them, the communication bus 1002 is used to realize the connection and communication between these components. The user interface 1003 may include a display screen (Display) and an input unit such as a keyboard (Keyboard). Optionally, the user interface 1003 may further include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. Optionally, the memory 1005 may also be a storage device independent of the aforementioned processor 1001.

[0173] Optionally, the stop-loss request triggering device may further include a camera, an RF (Radio Frequency) circuit, sensors, an audio circuit, a WiFi module, and so on.

[0174] Those skilled in the art can understand that Figure 4 the structure of the stop-loss request triggering device shown in

[0175] does not constitute a limitation on the stop-loss request triggering device, and may include more or fewer components than shown in the figure, or combine certain components, or have different component arrangements. Figure 4 As shown in the figure, the memory 1005, as a computer storage medium, may include an operating system, a network communication module, a user interface module, and a stop-loss request triggering program. Among them, the operating system is a program that manages and controls the hardware and software resources of the stop-loss request triggering device and supports the operation of the stop-loss request triggering program and other software or programs.

[0176] In Figure 4 the stop-loss request triggering device shown in the figure, the user interface 1003 is mainly used to connect to a transaction processing system, an acquirer processing system, and a core processing system, and perform data communication with the transaction processing system, the acquirer processing system, and the core processing system respectively; the network interface 1004 is mainly used for a background server to perform data communication with the background server; the processor 1001 may be used to call the stop-loss request triggering program stored in the memory 1005 and execute the steps of the stop-loss request triggering method as described above.

[0177] The specific implementation manner of the stop-loss request triggering device of the present invention is basically the same as that of the above-described embodiments of the stop-loss request triggering method, and will not be elaborated herein.

[0178] In addition, an embodiment of the present invention further provides a computer-readable storage medium, on which a stop-loss request trigger program is stored. When the stop-loss request trigger program is executed by a processor, the steps of the stop-loss request trigger method described above are implemented.

[0179] The specific implementation manner of the computer-readable storage medium of the present invention is basically the same as that of each embodiment of the above stop-loss request trigger method, and will not be described in detail here.

[0180] It should be noted that in this article, the term "including", "comprising" or any other variant thereof is intended to cover a non-exclusive inclusion, so that a process, method, article or device including a series of elements not only includes those elements, but also includes other elements not expressly listed, or further includes elements inherent to such process, method, article or device. Without more limitations, an element defined by the statement "including a..." does not exclude the existence of additional identical elements in the process, method, article or device including that element.

[0181] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages and disadvantages of the embodiments.

[0182] Through the description of the above embodiments, those skilled in the art can clearly understand that the above embodiment methods can be implemented by means of software plus a necessary general hardware platform. Of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes several instructions for causing a terminal device (which may be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in each embodiment of the present invention.

[0183] The above are only the preferred embodiments of the present invention, and do not limit the patent scope of the present invention accordingly. Any equivalent structure or equivalent process transformation made by using the content of the specification and drawings of the present invention, or directly or indirectly applied in other related technical fields, shall be equally included in the patent protection scope of the present invention.

Claims

1. A stop-loss request triggering method, characterized in that, The stop-loss request triggering method includes the following steps: After the comparison system receives a comparison instruction, obtain the data transaction processing table corresponding to the transaction processing system, the acquirer processing table corresponding to the acquirer processing system, and the core processing table corresponding to the core processing system according to the comparison instruction; Obtain the transaction records within a preset time period of the data transaction processing table, the acquirer processing table, and the core processing table; Classify the transaction records corresponding to the data transaction processing table, the acquirer processing table, and the core processing table according to a preset classification rule to obtain the classification results corresponding to the data transaction processing table, the acquirer processing table, and the core processing table; Compare the classification results corresponding to every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain the first total score comparison result; Obtain the remaining amount of the real account and the remaining amount of the virtual account corresponding to each trading platform in the core processing table, and obtain the receivable amount and the real account weight corresponding to the remaining amount of the real account; Calculate the sum of the remaining amount of the real account and the receivable amount, and subtract the real account weight from the sum to obtain an amount difference; Subtract the remaining amount of the virtual account from the amount difference to obtain the second total score comparison result; Obtain the real-time balance of the real account funds, the real-time balance of the virtual account funds, the real-time receivable amount, and the real-time interest of the real account of each trading platform; The third total score comparison result = (real-time balance of real account funds + real-time receivable amount - real-time interest of real account) - real-time balance of virtual account funds; Determine the first total score comparison result and the second total score comparison result as the comparison result, and / or determine the first total score comparison result and the third total score comparison result as the comparison result; If it is determined that there are unequal comparison results, then according to the unequal comparison results, trigger a stop-loss request according to a preset stop-loss rule; Send the stop-loss request to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request.

2. The stop-loss request triggering method according to claim 1, wherein After the step of obtaining the transaction records within a preset time period of the data transaction processing table, the acquirer processing table, and the core processing table, it further includes: Compare the target data in the transaction records corresponding to the same identification number between every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain a comparison result.

3. The stop-loss request triggering method according to claim 1, wherein The step of comparing the classification results corresponding to every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain a comparison result includes: Compare the classification results corresponding to every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain the first total score comparison result; Obtain the total reduction amount, the total increase amount, and the remaining amount at a point in time corresponding to each trading platform and / or each user; Calculate the total difference between the total reduction amount and the total increase amount, and calculate the difference between the total difference and the remaining amount at a point in time to obtain a comparison difference result; Determine the first total score comparison result and the comparison difference result as the comparison result.

4. The stop-loss request triggering method according to claim 1, wherein The steps of triggering a stop-loss request according to the unequal comparison result according to a preset stop-loss rule if it is determined that there is an unequal comparison result include: If it is determined that there is an unequal comparison result, and the unequal comparison result is a shortfall, and the amount of the shortfall is greater than a preset amount, then trigger a stop-loss request to close the cash withdrawal function; If the amount of the shortfall is less than or equal to the preset amount, then trigger a stop-loss request to close the consumption function; Or if the amount of the shortfall is less than or equal to the preset amount, then trigger a stop-loss request to close the consumption function and output a first warning message.

5. The stop-loss request triggering method according to any one of claims 1 to 4, characterized in that After the steps of triggering a stop-loss request according to the unequal comparison result according to a preset stop-loss rule if it is determined that there is an unequal comparison result, it further includes: Generate a second warning message corresponding to the stop-loss request, and send the second warning message to the monitoring system for the monitoring system to output the second warning message after receiving the second warning message.

6. A stop-loss request triggering device, characterized in that, The stop-loss request triggering device includes: An acquisition module, configured to, when the comparison system receives a comparison instruction, acquire a data transaction processing table corresponding to the transaction processing system, a card acceptance processing table corresponding to the card acceptance processing system, and a core processing table corresponding to the core processing system according to the comparison instruction; A comparison module, which acquires the transaction records in the data transaction processing table, the card acceptance processing table, and the core processing table within a preset time period; Classify the transaction records corresponding to the data transaction processing table, the card acceptance processing table, and the core processing table according to a preset classification rule to obtain classification results corresponding to the data transaction processing table, the card acceptance processing table, and the core processing table; Compare the classification results corresponding to every two of the data transaction processing table, the card acceptance processing table, and the core processing table to obtain a first total score comparison result; Acquire the remaining amount of the actual account and the remaining amount of the virtual account corresponding to each trading platform in the core processing table, and acquire the receivable amount and the actual account weight corresponding to the remaining amount of the actual account; Calculate the sum of the remaining amount of the actual account and the receivable amount, subtract the actual account weight from the sum of the amounts to obtain an amount difference; Subtract the remaining amount of the virtual account from the amount difference to obtain a second total score comparison result; Acquire the real-time balance of the actual account funds, the real-time balance of the virtual account funds, the real-time receivable amount, and the real-time interest of the actual account of each trading platform; The third total score comparison result = (real-time balance of actual account funds + real-time receivable amount - real-time interest of actual account) - real-time balance of virtual account funds; Determine the first total score comparison result and the second total score comparison result as the comparison result, and / or determine the first total score comparison result and the third total score comparison result as the comparison result; A trigger module, configured to, if it is determined that there is an unequal comparison result, trigger a stop-loss request according to the unequal comparison result according to a preset stop-loss rule; A sending module, configured to send the stop-loss request to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request.

7. A stop-loss request trigger device, characterized in that The stop-loss request triggering device includes a memory, a processor, and a stop-loss request triggering program stored on the memory and executable on the processor. When the stop-loss request triggering program is executed by the processor, it implements the steps of the stop-loss request triggering method according to any one of claims 1 to 5.

8. A computer-readable storage medium, characterized in that, A stop-loss request triggering program is stored on the computer-readable storage medium. When the stop-loss request triggering program is executed by the processor, it implements the steps of the stop-loss request triggering method according to any one of claims 1 to 5.

9. A stop-loss request triggering system, characterized in that, The stop-loss request triggering system includes: a comparison system, a transaction processing system, an acquirer processing system, and a core processing system. The stop-loss request triggering system includes the following steps: After the transaction processing system receives a transaction request sent by a client, the transaction processing system obtains the transaction information corresponding to the transaction request, sends the transaction request to the acquirer processing system, and sends the transaction information to the comparison system by an asynchronous sending method for the comparison system to write the transaction information into the data transaction processing table corresponding to the transaction processing system. After the acquirer processing system receives the transaction request, the acquirer processing system obtains the transaction information corresponding to the transaction request, and sends the transaction information to the comparison system by an asynchronous sending method for the comparison system to write the transaction information into the acquirer processing table corresponding to the acquirer processing system. After the core processing system receives a bookkeeping request, the core processing system obtains the bookkeeping information corresponding to the bookkeeping request, and sends the bookkeeping information to the comparison system by an asynchronous sending method for the comparison system to write the bookkeeping information into the core processing table corresponding to the core processing system. After the comparison system receives a comparison instruction, the comparison system obtains the data transaction processing table corresponding to the transaction processing system, the acquirer processing table corresponding to the acquirer processing system, and the core processing table corresponding to the core processing system according to the comparison instruction. Obtain the transaction records within a preset time period of the data transaction processing table, the acquirer processing table, and the core processing table. Classify the transaction records corresponding to the data transaction processing table, the acquirer processing table, and the core processing table according to a preset classification rule to obtain the classification results corresponding to the data transaction processing table, the acquirer processing table, and the core processing table. Compare the classification results corresponding to every two of the data transaction processing table, the acquirer processing table, and the core processing table to obtain the first total comparison result. Obtain the actual account remaining amount and the virtual account remaining amount corresponding to each trading platform in the core processing table, and obtain the receivable amount and the actual account weight corresponding to the actual account remaining amount. Calculate the sum of the actual account remaining amount and the receivable amount, subtract the actual account weight from the sum of the amounts to obtain an amount difference. Subtract the virtual account remaining amount from the amount difference to obtain the second total comparison result. Obtain the real-time balance of the actual account funds, the real-time balance of the virtual account funds, the real-time receivable amount, and the real-time interest of the actual account for each trading platform. The third total score comparison result = (real account fund real-time balance + real-time receivable amount - real account real-time interest) - virtual account fund real-time balance; Determine the first total score comparison result and the second total score comparison result as the comparison result, and / or determine the first total score comparison result and the third total score comparison result as the comparison result; If it is determined that there are unequal comparison results, then according to the unequal comparison results, trigger a stop-loss request according to a preset stop-loss rule; send the stop-loss request to the transaction processing system for the transaction processing system to perform a stop-loss operation according to the stop-loss request.

10. The stop-loss request trigger system according to claim 9, wherein The acquirer processing system sends the transaction request to the payment system and detects whether it receives the execution status returned by the payment system after executing the transaction request; after receiving the execution status, generate an update instruction for updating the transaction status according to the execution status and send it to the comparison system for the comparison system to update the corresponding transaction status in the acquirer processing table according to the update instruction.

11. The stop-loss request triggering system according to claim 9, wherein, When the transaction processing system receives the execution status sent by the acquirer processing system and the execution status is a successful execution status, the transaction processing system generates a successful update instruction according to the successful execution status and sends the successful update instruction to the comparison system for the comparison system to update the corresponding transaction status in the data transaction processing table to the successful status according to the successful update instruction.

12. The stop-loss request triggering system according to any one of claims 9 to 11, characterized in that, If the transaction processing system, the acquirer processing system, and / or the core processing system detect that the current transaction status is not the termination status, the transaction processing system, the acquirer processing system, and / or the core processing system respectively update the current transaction status through a polling query mechanism.

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