Electronic wallet transaction processing method, device, equipment and storage medium

Abstract

The present invention provides a transaction processing method, device, electronic device and storage medium of an electronic wallet; the method includes: in response to a transaction submitted by the electronic wallet of the remitter, triggering the capital flow from the electronic wallet system, through the service party system and the partner system, to the account of the payee; in response to the transaction management operation submitted by the electronic wallet of the remitter, adjusting the service party system and the partner system to the capital flow state corresponding to the transaction management operation, and triggering the service party system and the partner system to perform corresponding capital flow according to the adjusted capital flow state; querying the capital flow state of the corresponding transaction of the service party system and the partner system, querying the capital flow state of the corresponding transaction management operation, and synchronizing the capital flow state label corresponding to the queried state to the electronic wallet of the remitter. Through the present invention, the security, transparency and traceability of the electronic wallet for capital flow can be achieved.

Description

Technical Field

[0001] The present invention relates to electronic financial technology, and in particular to a transaction processing method, device, equipment and storage medium for an electronic wallet. Background Art

[0002] E-wallets are an important part of secure electronic transactions, allowing users to conduct electronic transactions and store transaction records.

[0003] The use of e-wallets depends on the e-wallet system. Users can directly bind their bank accounts (such as debit accounts and credit accounts) to e-wallet accounts, or directly transfer funds and currencies from bank accounts to e-wallet accounts for custody. When transactions occur, users can directly use e-wallets to make payments and remittances, and the e-wallet system will perform corresponding fund flow operations based on the funds in the e-wallet account / bank account.

[0004] The e-wallet provided by the related technology has weak controllability over transactions because the flow of funds involves the systems of multiple participants. Once a user triggers a transaction through an e-wallet, even if an erroneous transaction is initiated, the subsequent flow of funds cannot be controlled (for example, revoked or changed) through the e-wallet. The user has to terminate the transaction through unconventional channels, which affects transaction efficiency and fund security. Summary of the invention

[0005] The embodiments of the present invention provide a transaction processing method, device, equipment and storage medium for an electronic wallet, which can achieve the security, transparency and traceability of the electronic wallet for fund flow.

[0006] The technical solution of the embodiment of the present invention is achieved as follows:

[0007] An embodiment of the present invention provides a transaction processing method of an electronic wallet, the method comprising:

[0008] In response to a transaction submitted by the electronic wallet of the remitter, trigger the flow of funds from the electronic wallet system, through the service provider system and the partner system, to the recipient's account;

[0009] In response to the transaction management operation submitted by the electronic wallet of the remitter, adjusting the service system and the partner system to the fund flow state corresponding to the transaction management operation, and

[0010] Triggering the service provider system and the partner system to perform corresponding fund flow according to the adjusted fund flow status;

[0011] Query the status of the fund flow of the service provider system and the partner system corresponding to the transaction, query the status of the fund flow corresponding to the transaction management operation, and

[0012] The fund flow status label corresponding to the queried status is synchronized to the electronic wallet of the remitter.

[0013] An embodiment of the present invention provides a transaction processing device for an electronic wallet, the device comprising:

[0014] A trigger module, for responding to a transaction submitted by the electronic wallet of the remitter, triggering the flow of funds from the electronic wallet system, through the service provider system and the partner system, to the payee's account;

[0015] An adjustment module, configured to adjust the service system and the partner system to a fund flow state corresponding to the transaction management operation in response to the transaction management operation submitted by the electronic wallet of the remitter, and trigger the service system and the partner system to perform corresponding fund flow according to the adjusted fund flow state;

[0016] The query module is used to query the status of the fund flow of the service party system and the partner system corresponding to the transaction, query the status of the fund flow corresponding to the transaction management operation, and synchronize the fund flow status label corresponding to the queried status to the electronic wallet of the remitter.

[0017] In the above technical solution, the trigger module is also used to trigger the following fund flow for transfer through the electronic wallet system: deducting the remittance fee from the electronic wallet of the remitter, and transferring the funds of the transaction from the electronic wallet of the remitter to the account of the service party system; transferring the funds of the transaction from the account of the service party system to the account of the cross-border partner system, and transferring from the account of the partner system to the cross-border account of the payee.

[0018] In the above technical solution, the adjustment module is also used to adjust the service party system and the partner system to switch from the primary funds flow status corresponding to the transaction to the primary funds flow status or the secondary funds flow status corresponding to the transaction management operation; wherein the candidate set of the primary funds flow status includes: pending payment, expired, paid, remittance in progress, pending collection and successful withdrawal; the candidate set of the secondary funds flow status includes: canceling, pending refund and refunded.

[0019] In the above technical solution, the adjustment module is also used for the transaction management operation as a transaction termination instruction, and the transaction termination instruction includes a call to the transaction cancellation interface of the electronic wallet system, and the call parameter is the transaction number of the transaction; query the first-level funds flow status corresponding to the transaction in the electronic wallet system according to the transaction number; when the first-level funds flow status corresponding to the transaction in the electronic wallet system is unpaid, adjust the first-level funds flow status corresponding to the transaction in the electronic wallet system to invalid, and terminate the funds flow corresponding to the transaction from the electronic wallet system, through the service system and the partner system, to the payee account.

[0020] In the above technical solution, the adjustment module is also used for the transaction management operation as a transaction termination instruction, and the transaction termination instruction includes a call to the transaction cancellation interface of the electronic wallet system, and the call parameter is the transaction number of the transaction; the primary funds flow status corresponding to the transaction in the electronic wallet system is queried according to the transaction number; when the primary funds flow status corresponding to the transaction in the electronic wallet system is paid, being transferred or awaiting collection, the transaction cancellation interface of the service party system and the transaction cancellation interface in the partner system are called through the electronic wallet system, so that the service party system and the partner system adjust the primary funds flow status corresponding to the transaction to a secondary funds flow status being cancelled.

[0021] In the above technical solution, the adjustment module is also used to trigger the service provider system and the partner system to perform fund flow for refund corresponding to the transaction according to the secondary fund flow status during cancellation when the primary fund flow status of the transaction recorded by the electronic wallet system is paid, being transferred or awaiting collection.

[0022] In the above technical solution, the query module is also used to trigger the service party system and the partner system to perform fund flow processing for refunding the remitter according to the secondary fund flow status in the cancellation, and then query the status query interface of the service party system and the partner system through the electronic wallet system to obtain the secondary fund flow status of the transaction to be refunded or refunded in the service party system and the partner system.

[0023] In the above technical solution, the device also includes: a first comparison module, which is used to compare the transaction number of the transaction to be refunded with the transaction number in the settlement details sheet; when the comparison is successful, it is determined that the transaction to be refunded cannot be used for the fund flow of the refund, the refund interface of the electronic wallet is called, the remittance result is returned to the electronic wallet of the remitter, and the remittance limit service is called to deduct the funds of the transaction to be refunded from the remittance limit of the remitter; when the comparison fails, it is determined that the transaction to be refunded can be used for the fund flow of the refund.

[0024] In the above technical solution, the query module is also used to screen out transactions whose primary funds flow status is any one of being remitted, pending collection and cancelled; the electronic wallet system calls the status query interface of the service party system and the status query interface of the partner system to obtain the primary funds flow status of the funds flow of the service party system corresponding to the screened transactions, and the primary funds flow status of the funds flow of the partner system corresponding to the screened transactions; wherein the candidate set of the primary funds flow status includes: pending payment, expired, paid, remitted, pending collection and successful withdrawal.

[0025] In the above technical solution, the device also includes: a second comparison module, which is used to compare the transaction number of the transaction to be remitted with the transaction number in the settlement details sheet; when the comparison is successful, it is determined that the transaction to be remitted cannot be used for the fund flow of remittance, and the refund interface of the electronic wallet is called to return the funds of the transaction to be remitted to the electronic wallet of the remitter, and the remittance limit service is called to deduct the funds of the transaction to be remitted from the remittance limit of the remitter; when the comparison fails, it is determined that the transaction to be remitted can be used for the fund flow of remittance.

[0026] In the above technical solution, the adjustment module is also used when the transaction management instruction is a transaction suspension instruction, and the transaction suspension instruction includes calling the transaction suspension interface of the electronic wallet system, and the calling parameter is the transaction number of the transaction; according to the transaction number, the primary funds flow status or the secondary funds flow status corresponding to the transaction in the electronic wallet system is queried, and the queried primary funds flow status or the secondary funds flow status is adjusted to a suspended state.

[0027] In the above technical solution, the adjustment module is also used for the transaction management instruction to be a transaction rollback instruction, and the transaction rollback instruction includes calling the transaction rollback interface of the electronic wallet system, and the calling parameter is the transaction number of the transaction; querying the secondary funds flow status corresponding to the transaction in the electronic wallet system according to the transaction number; when the secondary funds flow status corresponding to the transaction in the electronic wallet system is canceled, calling the transaction rollback interface of the service party system and the transaction rollback interface in the partner system through the electronic wallet system, so that the service party system and the partner system will roll back the secondary funds flow status corresponding to the transaction to the primary funds flow status of the transaction before the secondary funds flow state.

[0028] In the above technical solution, the device also includes: a sending module, which is used to send the funds flow status label corresponding to the status of the funds flow of the transaction to the blockchain network when the service party system and the partner system are triggered to perform corresponding funds flow according to the adjusted funds flow status; and query the funds flow status label corresponding to the status of the funds flow of the transaction in the blockchain network.

[0029] An embodiment of the present invention provides a transaction processing device for an electronic wallet, comprising:

[0030] A memory for storing executable instructions;

[0031] The processor is used to implement the transaction processing method of the electronic wallet provided by the embodiment of the present invention when executing the executable instructions stored in the memory.

[0032] An embodiment of the present invention provides a storage medium storing executable instructions for causing a processor to execute the instructions to implement the transaction processing method of the electronic wallet provided by the embodiment of the present invention.

[0033] The embodiments of the present invention have the following beneficial effects:

[0034] By querying the status of the transaction's funds flow and synchronizing the funds flow status label corresponding to the queried status to the remitter's electronic wallet, the remitter can be aware of the current progress of the funds flow, thereby facilitating the remitter's subsequent control over the funds flow. This not only improves the controllability of the electronic wallet over the transaction, but also realizes the security, transparency and traceability of the electronic wallet over the funds flow. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] Figure 1A 1 is a schematic diagram of an application scenario 100 of a transaction processing method of an electronic wallet provided in an embodiment of the present invention;

[0036] Figure 1Bis an application schematic diagram of the transaction processing method of the electronic wallet provided by an embodiment of the present invention;

[0037] Figure 2 is a schematic diagram of the structure of a transaction processing device 500 of an electronic wallet provided in an embodiment of the present invention;

[0038] Figure 3 It is a flowchart of a transaction processing method of an electronic wallet provided by an embodiment of the present invention;

[0039] Figure 4 It is a schematic diagram of the process of capital flow provided by an embodiment of the present invention;

[0040] Figure 5A It is a schematic diagram of the primary funds flow status provided by an embodiment of the present invention;

[0041] Figure 5B and Figure 5C It is a schematic diagram of the secondary funds flow status provided by an embodiment of the present invention;

[0042] Fig. 6A , 6B 6C is a flow chart of a transaction processing method of an electronic wallet provided in an embodiment of the present invention;

[0043] Figure 7 It is a schematic diagram of the relationship between the capital flow and the service provider and the cooperation party provided by the embodiment of the present invention;

[0044] Figure 8 It is a schematic diagram of the first-level asynchronous funds flow process provided by an embodiment of the present invention;

[0045] Fig. 9A and Fig. 9B is a schematic diagram of an application scenario provided by an embodiment of the present invention;

[0046] Fig. 10A It is a schematic diagram of the overall system flow provided by an embodiment of the present invention;

[0047] Fig. 10B It is a schematic diagram of a status query batch processing flow provided by an embodiment of the present invention;

[0048] Fig. 10C It is a schematic diagram of the refund batch processing flow provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0049] In order to make the purpose, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings. The described embodiments should not be regarded as limiting the present invention. All other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of the present invention.

[0050] In the following description, reference is made to “some embodiments”, which describe a subset of all possible embodiments, but it will be understood that “some embodiments” may be the same subset or different subsets of all possible embodiments and may be combined with each other without conflict.

[0051] In the following description, the terms "first\second" involved are merely used to distinguish similar objects and do not represent a specific ordering of the objects. It can be understood that "first\second" can be interchanged with a specific order or sequence where permitted, so that the embodiments of the present invention described herein can be implemented in an order other than that illustrated or described herein.

[0052] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which the present invention belongs. The terms used herein are only for the purpose of describing the embodiments of the present invention and are not intended to limit the present invention.

[0053] Before further describing the embodiments of the present invention in detail, the nouns and terms involved in the embodiments of the present invention are described. The nouns and terms involved in the embodiments of the present invention are subject to the following interpretations.

[0054] 1) Cross-border remittance: refers to financial foreign exchange business from one country or region to another country or region, which complies with the financial supervision and limit rules of the country or region and is aimed at individuals or enterprises, and supports the same or different currencies for remittance.

[0055] 2) Remitter: The holder of funds, including individuals or institutions, and the initiator of the remittance process (fund transfer process).

[0056] 3) Payee: The beneficiary of the funds, including individuals or institutions, and the recipient of the remittance process (funds flow process).

[0057] 4) Service provider: a partner institution or merchant that provides remittance services (e.g. cross-border remittance services). Specifically, it refers to a remittance company that cooperates with the business.

[0058] 5) Partner: refers to the institution or merchant responsible for completing the steps of collecting and providing feedback on remittance information at the recipient's location during the remittance process (e.g. cross-border remittance). Specifically, it refers to pawnshops, banks, financial institutions, etc.

[0059] 6) Batch query: The business team periodically / triggerably queries the capital flow status of the service provider and partners, and displays the update externally.

[0060] 7) Funds flow: starting from the remitter initiating the remittance, the funds flow to the recipient through the service provider and the partner.

[0061] 8) Funds flow status label (referred to as status label or label): During the funds flow process, the status of different flow processes includes the funds flow process under normal status, and the suspension, cancellation (or end or termination, i.e. termination of the transaction) and rollback (i.e. funds flow reverts to the previous link / step) of funds flow initiated by the remitter.

[0062] 9) Tag triggering: The mechanism and method for triggering the subsequent fund flow process through status tags (the fund flow process under normal conditions, as well as the suspension, cancellation, and rollback of fund flow initiated by the remitter).

[0063] 10) E-wallet: It can be an independent application (APP), for example, a local APP developed in the native language of the terminal (i.e., Native APP) or a network APP developed in the front-end language (i.e., Web APP); it can also be a module with transaction functions embedded in any application (such as a social APP or a shopping APP). Among them, the e-wallet can have verification functions, including login verification and transaction verification (select one or all verifications), and can be verified through the user's biometric features (voiceprint, fingerprint, iris, face).

[0064] 11) Blockchain is an encrypted, chained transaction storage structure formed by blocks.

[0065] 12) Blockchain Network: A collection of nodes that incorporate new blocks into the blockchain through consensus.

[0066] 13) Ledger is a general term for blockchain (also called ledger data) and the state database synchronized with the blockchain. The blockchain records transactions in the form of files in the file system; the state database records transactions in the blockchain in the form of different types of key-value pairs, which is used to support fast query of transaction data in the blockchain.

[0067] 14) Smart Contracts, also known as chaincode or application code, are programs deployed in the nodes of the blockchain network. The nodes execute the smart contracts called in the received transactions to update or query the key-value data in the state database.

[0068] 15) Consensus is a process in the blockchain network used to reach agreement on the transactions in the block among the multiple nodes involved. The agreed blocks will be appended to the end of the blockchain and used to update the status database.

[0069] In the process of cross-border remittance, the relevant technical solutions do not support the external display of the current remittance process to the user, and the remitter cannot perceive the current fund flow process, thus failing to ensure the transparency and security of the fund flow. The remitter cannot understand when and to which link the funds he remitted will flow. The relevant technical solutions also do not support the remitter to autonomously suspend, cancel, roll back and other special treatments of asynchronous fund flow, which also means that when the remitter's remittance information is wrong (for example, the payee's name, date of birth and other information do not match), the payee cannot successfully withdraw the money due to the wrong information, resulting in a remittance failure. This will damage the interests of the remitter and the payee. During the implementation of the relevant technical solutions, the relevant technical solutions were analyzed and it was found that the reasons for the above problems are: the relevant technical solutions do not have methods and capabilities for labeling, recording and processing the fund flow process, do not support triggering the fund flow process by relying on changes in status tags, and do not have the ability to change the fund flow by initiating a request by the remitter.

[0070] In view of the above problems, the embodiments of the present invention provide a transaction processing method, device, equipment and storage medium of an electronic wallet, which can realize the security, transparency and traceability of the electronic wallet for the flow of funds. The following describes an exemplary application of the electronic wallet system provided by the embodiment of the present invention. The transaction processing device of the electronic wallet provided by the embodiment of the present invention can be a server or a server cluster. The electronic wallet system performs transaction processing between the service system and the partner system, and displays the processing results on the display interface of various terminals to realize the interaction process between the terminal and the user. The following will describe an exemplary application of the server of the electronic wallet system.

[0071] See also Figure 1A , Figure 1A It is a schematic diagram of an application scenario 100 of the transaction processing method of the electronic wallet provided in an embodiment of the present invention, wherein the terminal 400 can be connected to the server 200 in the electronic wallet system through the network 300, the network 300 can be a wide area network or a local area network, or a combination of the two, and the electronic wallet application 400-1 is an application installed on the terminal 400.

[0072] See also Figure 1A, the following takes the example of the remitter making a remittance to the payee and the remitter canceling the remittance during the remittance process to illustrate the implementation process of the electronic wallet transaction processing method provided by the embodiment of the present invention: first, the remitter submits the remittance transaction through the electronic wallet application 400-1 after logging into the electronic wallet application 400-1; then, the server 200 triggers the fund flow based on the remittance transaction submitted by the remitter; finally, when the remitter submits the transaction management operation of canceling the remittance, the server 200 adjusts the fund flow state to remittance cancellation according to the operation of canceling the remittance, and performs a fund flow process opposite to the remittance path according to the adjusted fund flow state. At the same time, the server 200 queries the fund flow state of the transaction and sends the fund flow state tag ( Figure 1A Only the fund flow status labels of being transferred, being cancelled and to be refunded are shown) are synchronized in the electronic wallet application 400-1.

[0073] Next, an example of an electronic wallet system uploading a transaction fund flow status tag to a blockchain network for storage and querying the fund flow status tag in the blockchain network is used to illustrate an exemplary application of the electronic wallet transaction processing method provided by an embodiment of the present invention. Figure 1B , Figure 1B It is an application diagram of the transaction processing method of the electronic wallet provided in an embodiment of the present invention, including a blockchain network 600 (consensus nodes 610-1 to consensus nodes 610-3 are shown as an example), an authentication center 700 and a business entity 800, which are described below respectively.

[0074] The types of blockchain network 600 are flexible and diverse, for example, it can be any one of a public chain, a private chain or an alliance chain. Taking the public chain as an example, any electronic device of a business subject (for example, a terminal 400 and a server 200) can access the blockchain network 600 and become a client node without authorization; taking the alliance chain as an example, after obtaining authorization, the electronic devices under the jurisdiction of the business subject can access the blockchain network 600 and become client nodes.

[0075] As an example, when the blockchain network 600 is a consortium chain, the business entity 800 registers with the authentication center 700 to obtain its own digital certificate. The digital certificate includes the business entity's public key and the digital signature signed by the authentication center 700 on the business entity's public key and identity information. The digital certificate is used to attach the digital signature of the business entity to the transaction (for example, used to store the fund flow status tag on the chain or query the fund flow status tag on the chain) and is sent to the blockchain network 600 so that the blockchain network 600 can retrieve the digital certificate and digital signature from the transaction, verify the reliability of the transaction (that is, whether it has not been tampered with) and the identity information of the business entity sending the message. The blockchain network 600 will perform verification based on the identity, such as whether it has the authority to initiate a transaction.

[0076] In some embodiments, the client node can only be used as an observer of the blockchain network 600, that is, to provide support for business entities to initiate transactions (for example, to store funds flow status tags on the chain or to query funds flow status tags on the chain). For the functions of the consensus node 610 of the blockchain network 600, such as sorting functions, consensus services, and account book functions, the client node can implement them by default or selectively (for example, depending on the specific business needs of the business entity). Thus, the data and business processing logic of the business entity can be migrated to the blockchain network 600 to the greatest extent, and the credibility and traceability of the data and business processing process can be achieved through the blockchain network 600.

[0077] The consensus nodes in the blockchain network 600 receive information from different business entities (e.g. Figure 1B The transaction is submitted by the client node of the business subject 800 shown in the figure, and the transaction is executed to update the ledger or query the ledger. Various intermediate results or final results of the transaction can be returned to the client node of the business subject for display.

[0078] The following uses the example of an electronic wallet system accessing a blockchain network to implement electronic wallet transaction processing to illustrate an exemplary application of a blockchain network. Figure 1B , the business entity 800 can be an electronic wallet system.

[0079] First, when the client node 810 triggers the service system and the partner system to perform corresponding fund flow according to the adjusted fund flow status, the fund flow status tag corresponding to the fund flow status of the transaction is obtained. The logic of uploading the fund flow status tag to the chain is set in the client node 810. For example, when the fund flow status tag is obtained, the client node 810 sends the fund flow status tag to the blockchain network 600, and generates a corresponding transaction. The transaction includes: the smart contract that needs to be called in order to chain the fund flow status tag, and the parameters passed to the smart contract; the transaction also includes the digital certificate of the client node 810, the signed digital signature, and the transaction is broadcast to the consensus node 610 in the blockchain network 600.

[0080] Finally, when the consensus node 610 in the blockchain network 600 receives the transaction, it verifies the digital certificate and digital signature carried in the transaction. After successful verification, it confirms whether the business subject 800 has transaction authority based on the identity of the business subject 800 carried in the transaction. Any verification judgment in the digital signature and authority verification will cause the transaction to fail. After successful verification, the consensus node 610 signs its own digital signature (for example, using the private key of node 610-1 to encrypt the summary of the transaction) and continues to broadcast in the blockchain network 600.

[0081] After receiving the successfully verified transaction, the consensus node 610 in the blockchain network 600 fills the transaction into a new block and broadcasts it. When the consensus node 610 in the blockchain network 600 broadcasts a new block, it verifies the new block, for example, verifies whether the digital signature of the transaction in the new block is valid. If the verification is successful, the new block is appended to the end of the blockchain stored by itself, and the state database is updated according to the result of the transaction, and the transaction in the new block is executed: for the transaction with the submitted fund flow status tag, the key-value pair including the fund flow status tag is added to the state database.

[0082] Let's take the example of the business subject 800 querying the fund flow status tag in the blockchain network 600. The type of data that the business subject 800 can query in the blockchain network 600 can be realized by the consensus node 610 by restricting the authority of the transaction that can be initiated by the client stage of the business subject. When the client node 820 of the business subject 800 has the authority to initiate the query of the fund flow status tag, the client node 820 can generate a transaction for querying the fund flow status tag and submit it to the blockchain network 600, execute the transaction from the consensus node 610 to query the corresponding fund flow status tag from the status database, and return to the client node 820, so that the queried fund flow status tag can be synchronized to the electronic wallet of the remitter to ensure the reliability of the fund flow status tag obtained by the electronic wallet of the remitter.

[0083] Next, the structure of the transaction processing device of the electronic wallet provided by the embodiment of the present invention is further described. The transaction processing device of the electronic wallet provided by the embodiment of the present invention may be a server (e.g. Figure 1A The server 200 shown) may also be a server cluster.

[0084] See also Figure 2 , Figure 2 is a schematic diagram of the structure of a transaction processing device 500 of an electronic wallet provided in an embodiment of the present invention, Figure 2 The transaction processing device 500 of the electronic wallet shown includes: at least one processor 510, a memory 550, at least one network interface 520 and a user interface 530. The various components in the artificial intelligence-based text recommendation device 500 are coupled together through a bus system 540. It can be understood that the bus system 540 is used to realize the connection and communication between these components. In addition to the data bus, the bus system 540 also includes a power bus, a control bus and a status signal bus. However, for the sake of clarity, the bus system 540 is not used in the embodiment of the present invention. Figure 2 Various buses are labeled as bus system 540 .

[0085] The processor 510 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., where the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0086] The user interface 530 includes one or more output devices 531 that enable presentation of media content, including one or more speakers and / or one or more visual display screens. The user interface 530 also includes one or more input devices 532, including user interface components that facilitate user input, such as a keyboard, mouse, microphone, touch screen display, camera, other input buttons and controls.

[0087] The memory 550 includes a volatile memory or a non-volatile memory, and may also include both volatile and non-volatile memories. Among them, the non-volatile memory may be a read-only memory (ROM), and the volatile memory may be a random access memory (RAM). The memory 550 described in the embodiment of the present invention is intended to include any suitable type of memory. The memory 550 may optionally include one or more storage devices that are physically far away from the processor 510.

[0088] In some embodiments, the memory 550 can store data to support various operations, examples of which include programs, modules, and data structures, or a subset or superset thereof, as exemplarily described below.

[0089] Operating system 551, including system programs for processing various basic system services and performing hardware-related tasks, such as framework layer, core library layer, driver layer, etc., for implementing various basic services and processing hardware-based tasks;

[0090] A network communication module 552, for reaching other computing devices via one or more (wired or wireless) network interfaces 520, exemplary network interfaces 520 include: Bluetooth, Wireless Compatibility Certification (WiFi), and Universal Serial Bus (USB);

[0091] a display module 553 for enabling presentation of information via one or more output devices 531 (e.g., display screen, speaker, etc.) associated with the user interface 530 (e.g., a user interface for operating peripherals and displaying content and information);

[0092] The input processing module 554 is used to detect one or more user inputs or interactions from one of the one or more input devices 532 and translate the detected inputs or interactions.

[0093] In some embodiments, the transaction processing device of the electronic wallet provided by the embodiment of the present invention can be implemented in a combination of software and hardware. As an example, the transaction processing device of the electronic wallet provided by the embodiment of the present invention can be a processor in the form of a hardware decoding processor, which is programmed to execute the transaction processing method of the electronic wallet provided by the embodiment of the present invention. For example, the processor in the form of a hardware decoding processor can adopt one or more application-specific integrated circuits (ASICs), DSPs, programmable logic devices (PLDs), complex programmable logic devices (CPLDs), field programmable gate arrays (FPGAs) or other electronic components.

[0094] In other embodiments, the transaction processing device of the electronic wallet provided in the embodiments of the present invention may be implemented in software. Figure 2The transaction processing device 555 of the electronic wallet stored in the memory 550 is shown, which can be software in the form of a program and a plug-in, etc., including the following software modules: a trigger module 5551, an adjustment module 5552 and a query module 5553. These modules are logical, so they can be arbitrarily combined or further split according to the functions implemented. The functions of each module will be explained below.

[0095] In other embodiments, the transaction processing device of the electronic wallet provided by the embodiment of the present invention can be implemented in hardware. As an example, the transaction processing device of the electronic wallet provided by the embodiment of the present invention can be a processor in the form of a hardware decoding processor, which is programmed to execute the transaction processing method of the electronic wallet provided by the embodiment of the present invention. For example, the processor in the form of a hardware decoding processor can adopt one or more application specific integrated circuits (ASIC, Application Specific Integrated Circuit), DSP, programmable logic device (PLD, Programmable Logic Device), complex programmable logic device (CPLD, Complex Programmable Logic Device), field programmable gate array (FPGA, Field-Programmable Gate Array) or other electronic components.

[0096] The implementation method of the embodiment of the present invention will be further described in detail below with reference to the accompanying drawings. Figure 3 , Figure 3 is a flow chart of a transaction processing method of an electronic wallet provided by an embodiment of the present invention, which will be combined with Figure 3 The steps shown are explained.

[0097] In step 101, the electronic wallet system triggers the flow of funds from the electronic wallet system, through the service provider system and the partner system, to the payee's account in response to the transaction submitted by the electronic wallet of the remitter.

[0098] Here, the transaction submitted by the remitter's electronic wallet can be a transaction in which the remitter pays funds to a merchant for shopping, or a transaction in which the remitter remits money to a designated account (eg, an overseas account relative to the remitter).

[0099] In some embodiments, Figure 4 This is a schematic diagram of the process of capital flow provided by an embodiment of the present invention, see Figure 4The process of fund flow for transfer triggered by the e-wallet system is as follows: the remittance fee is deducted from the e-wallet of the remitter, and the transaction funds are transferred from the e-wallet of the remitter (i.e., the e-wallet account or the bank account associated with the e-wallet account) to the account of the service party system; then the transaction funds are transferred from the account of the service party system to the account of the partner system relative to the remitter's cross-border partner, and from the account of the partner system to the account of the recipient relative to the remitter's cross-border partner.

[0100] As an example, the above-mentioned remittance fee is allocated among the electronic wallet system, the service provider system and the partner system according to a certain ratio. For example, it can be stipulated that when the remitter remits money to the payee, the remitter needs to pay a fixed amount of fee to at least one of the electronic wallet system, the service provider system or the partner system; it can also be stipulated that when the remitter remits money to the payee, the remitter needs to pay a fee to at least one of the electronic wallet system, the service provider system or the partner system according to a certain ratio based on the remittance amount.

[0101] In step 102, the electronic wallet system responds to the transaction management operation submitted by the electronic wallet of the remitter and adjusts the service provider system and the partner system to the fund flow state corresponding to the transaction management operation.

[0102] Here, the transaction management operations submitted by the electronic wallet of the remitter include cancellation, rollback and suspension operations. Among them, the cancellation operation refers to the termination of the transaction, such as the termination of the remittance transaction; the rollback operation refers to pushing the capital flow to the previous step or link; the suspension operation refers to the suspension of the transaction, such as temporarily stopping the remittance transaction.

[0103] In some embodiments, when the electronic wallet system receives a transaction management operation submitted by the electronic wallet of the remitter, the service provider system and the partner system are adjusted to switch from the primary funds flow status of the corresponding transaction to the primary funds flow status or the secondary funds flow status of the corresponding transaction management operation; wherein, the candidate set of the primary funds flow status includes: pending payment, expired, paid, remittance in progress, pending receipt and successful withdrawal; the candidate set of the secondary funds flow status includes: canceled, pending refund and refunded.

[0104] See also Figure 5A , Figure 5AIt is a schematic diagram of the primary funds flow status provided by an embodiment of the present invention, and the primary funds flow status are: the state of waiting to be paid refers to the state in which the remitter submits an order in the electronic wallet (for example, an order for a remittance transaction, referred to as a remittance order); the state of expired refers to the state in which the remitter submits an order in the electronic wallet but does not make payment; the state of paid refers to the state in which the remitter submits an order in the electronic wallet and has made payment (for example, the remitter has transferred money to the electronic wallet system); the state of remittance refers to the state in which the electronic wallet system sends the remittance of the remitter to the service provider; the state of waiting to receive (or waiting to withdraw) refers to the state in which the service provider sends the remittance to the partner; the state of successful withdrawal refers to the state in which the payee completes the withdrawal at the partner with the help of the electronic wallet.

[0105] See also Figure 5B and Figure 5C , Figure 5B and Figure 5C : It is a schematic diagram of the secondary fund flow status provided by an embodiment of the present invention, and the secondary fund flow statuses are: the canceling status refers to the status of initiating a fund flow termination operation independently initiated by the remitter during the fund flow process; the refund pending status refers to the status of the remitter successfully initiating the fund flow termination operation independently, the fund flow is terminated, and the funds are returned to the remitter's account by the original route; the refunded status refers to the status of the remitter successfully initiating the fund flow termination operation independently, and the funds have been returned to the remitter's account by the original route.

[0106] See also Fig. 6A , Fig. 6A is a flow chart of a transaction processing method of an electronic wallet provided by an embodiment of the present invention. When the electronic wallet system receives a transaction management operation submitted by the electronic wallet of the remitter as a transaction end instruction, Figure 3 It is shown that step 102 can be performed by Fig. 6A Steps 1021 to 1023 are implemented as shown.

[0107] In step 1021, the electronic wallet system responds to the transaction end instruction submitted by the electronic wallet of the remitter.

[0108] In some embodiments, when the remitter wants to end the transaction (e.g., terminate the remittance transaction or terminate the payment transaction), the remitter can submit a transaction termination instruction through the electronic wallet. The transaction termination instruction includes calling the transaction cancellation interface of the electronic wallet system, and the calling parameter is the transaction number of the transaction (e.g., the remittance order number or the payment order number).

[0109] In step 1022, the electronic wallet system queries the primary fund flow status of the corresponding transaction in the electronic wallet system according to the transaction number.

[0110] In some embodiments, the electronic wallet system queries the primary funds flow status of the transaction recorded in the status record table of the electronic wallet system according to the transaction number. The remitter can end the transaction only when the primary funds flow status corresponding to the transaction is unpaid, paid, remitted, or waiting for receipt.

[0111] In step 1023, the electronic wallet system adjusts the service provider system and the partner system to the fund flow status of the corresponding transaction management operation according to the primary fund flow status of the corresponding transaction.

[0112] In some embodiments, when the primary funds flow status of the corresponding transaction in the electronic wallet system is unpaid, the primary funds flow status of the corresponding transaction in the electronic wallet system is adjusted to invalid, and the funds flow of the corresponding transaction from the electronic wallet system, through the service system and the partner system, to the payee account is terminated.

[0113] In some embodiments, when the primary funds flow status of the corresponding transaction in the electronic wallet system is paid, being transferred or pending collection, the transaction cancellation interface of the service system and the transaction cancellation interface in the partner system are called through the transaction cancellation pre-conversion service in the electronic wallet system, so that the service system and the partner system adjust the primary funds flow status of the corresponding transaction to the secondary funds flow status of being cancelled.

[0114] See also Figure 6B , Figure 6B is a flow chart of a transaction processing method of an electronic wallet provided by an embodiment of the present invention. When the electronic wallet system receives a transaction management operation submitted by the electronic wallet of the remitter as a transaction suspension instruction, Figure 3 It is shown that step 102 can be performed by Figure 6B Steps 1024 to 1026 are implemented as shown.

[0115] In step 1024, the electronic wallet system responds to the transaction suspension instruction submitted by the electronic wallet of the remitter.

[0116] In some embodiments, when the remitter wants to suspend a transaction (e.g., suspend a remittance transaction or suspend a payment transaction), the remitter can submit a transaction suspension instruction through the electronic wallet, wherein the transaction suspension instruction includes a call to a transaction suspension interface of the electronic wallet system, and the call parameter is the transaction number of the transaction (e.g., the remittance order number).

[0117] In step 1025, the electronic wallet system queries the primary fund flow status or the secondary fund flow status of the corresponding transaction in the electronic wallet system according to the transaction number.

[0118] In some embodiments, the electronic wallet system queries the primary fund flow status or the secondary fund flow status of the transaction recorded in the status record table of the electronic wallet system according to the transaction number. The remitter can only suspend the transaction when the fund flow status corresponding to the transaction is paid, remittance in progress, pending receipt, canceled, or pending refund.

[0119] In step 1026, the electronic wallet system adjusts the queried primary fund flow status or secondary fund flow status to a suspended state.

[0120] In some embodiments, the electronic wallet system adjusts the queried primary funds flow status or secondary funds flow status to a suspended state, and triggers the service provider system and the partner system to suspend the funds flow of the transaction according to the adjusted funds flow status.

[0121] See also Figure 6C , Figure 6C is a flow chart of a transaction processing method of an electronic wallet provided by an embodiment of the present invention. When the electronic wallet system receives a transaction management operation submitted by the electronic wallet of the remitter as a transaction rollback instruction, Figure 3 It is shown that step 102 can be performed by Figure 6C Steps 1027 to 1029 are implemented as shown.

[0122] In step 1027, the electronic wallet system responds to the transaction rollback instruction submitted by the electronic wallet of the remitter.

[0123] In some embodiments, when the remitter wants to reverse the funds flow to the previous link / step, the remitter can submit a transaction rollback instruction through the electronic wallet. The transaction rollback instruction includes calling the transaction rollback interface of the electronic wallet system, and the calling parameter is the transaction number of the transaction (such as the remittance order number).

[0124] In step 1028, the electronic wallet system queries the secondary fund flow status of the corresponding transaction in the electronic wallet system according to the transaction number.

[0125] In some embodiments, the electronic wallet system queries the secondary fund flow status of the transaction recorded in the status record table of the electronic wallet system according to the transaction number. The remitter can only perform a transaction rollback operation when the fund flow status corresponding to the transaction is being canceled.

[0126] In step 1029, the electronic wallet system adjusts the service provider system and the partner system according to the secondary funds flow status of the corresponding transaction to roll back the secondary funds flow status of the corresponding transaction to the primary funds flow status that the transaction was in before the secondary funds flow status.

[0127] In some embodiments, when the primary funds flow status of a corresponding transaction in the electronic wallet system is being canceled, the transaction cancellation pre-conversion service in the electronic wallet system calls the transaction rollback interface of the service system and the transaction rollback interface in the partner system, so that the service system and the partner system roll back the secondary funds flow status of the corresponding transaction to the primary funds flow status (for example, being remitted or awaiting collection) that the transaction was in before the secondary funds flow status.

[0128] As an example, when a transaction enters a secondary funds flow state of being cancelled from a primary funds flow state of being remitted, and the remitter submits a transaction rollback instruction, the secondary funds flow state of being cancelled of the corresponding transaction can be rolled back to the primary funds flow state of being remitted; when a transaction enters a secondary funds flow state of being cancelled from a primary funds flow state of being awaiting collection, and the remitter submits a transaction rollback instruction, the secondary funds flow state of being cancelled of the corresponding transaction can be rolled back to the primary funds flow state of being awaiting collection.

[0129] The embodiment of the present invention divides the fund flow status in the fund flow process into a primary fund flow status and a secondary fund flow status, and ensures that under a specific fund flow status, the remitter can independently suspend, cancel, roll back, and other operations in the fund flow process to ensure the security of the remittance funds, thereby ensuring the rights and interests of the remitter and improving the user experience.

[0130] In some embodiments, before responding to the transaction management operation submitted by the remitter's electronic wallet, the electronic wallet system regularly (for example, every day, i.e., batch run) compares the transaction number of the transaction to be remitted with the transaction number in the settlement details sheet; when the comparison is successful, since the settlement has already occurred and the transfer cannot be made, it is determined that the transaction to be remitted cannot be used for the fund flow of remittance (i.e., the transfer cannot be made), and the refund interface of the electronic wallet is called to return the funds of the transaction to be remitted to the remitter's electronic wallet, and the remittance limit service is called to deduct the funds of the transaction to be remitted from the remittance limit of the remitter; when the comparison fails, it is determined that the transaction to be remitted can be used for the fund flow of remittance.

[0131] As an example, before processing the funds flow of a remittance, it is necessary to compare whether the transaction to be remitted is a transaction that has completed settlement. When the transaction to be remitted is a transaction that has completed settlement, the transaction to be remitted cannot be used for the funds flow of the remittance; when the transaction to be remitted is not a transaction that has completed settlement, the transaction to be remitted can be used for the funds flow of the remittance.

[0132] As an example, the e-wallet system can also send a public account message to the remitter by calling the public account message interface. For example, when the transaction to be remitted is a transaction that has been settled, a message indicating that the remitter cannot transfer the money is sent to the social account of the e-wallet associated with the remitter; when the transaction to be remitted is not a transaction that has been settled, a message indicating that the remitter can transfer the money is sent to the social account of the e-wallet associated with the remitter.

[0133] The embodiment of the present invention can avoid remittance to the payee again after the remittance has reached the payee by comparing whether the transaction to be remitted is a transaction that has been settled before the fund flow processing of the remittance is carried out, thereby avoiding losses to the service provider and the partner. In addition, by limiting the remittance limit of the remitter, it can avoid the phenomenon that a large amount of money is stolen due to the theft of the remitter's account, thereby further ensuring the rights and interests of the remitter.

[0134] In step 103, the electronic wallet system triggers the service provider system and the partner system to perform corresponding fund transfer according to the adjusted fund transfer status.

[0135] In some embodiments, when the primary fund flow status of the transaction recorded in the status record table of the electronic wallet system is paid, remitted or waiting for collection, the service party system and the partner system are triggered to perform fund flow for refund of the corresponding transaction according to the secondary fund flow status being cancelled. Refund refers to the return of the principal to the remitter and the deduction of the handling fee.

[0136] As an example, when the status of a transaction is paid, being transferred, or waiting to be collected, the status of the corresponding transaction is adjusted to being canceled. The service party system and the partner system transfer funds for the corresponding transaction for refund according to the status of the corresponding transaction, wherein the funds transfer process for refund and the funds transfer process for transfer are in opposite directions, for example, the account of the partner system transfers the transaction funds to the account of the service party system, and then the account of the service party system transfers the transaction funds to the electronic wallet account of the remitter. When the transaction funds arrive at the electronic wallet account of the remitter, it indicates that the funds transfer process for refund has been completed.

[0137] In some embodiments, before the corresponding transaction is processed for the funds flow for refund, the transaction number of the transaction to be refunded is compared with the transaction number in the settlement details sheet; when the comparison is successful, since the remittance is completed and settled, it is determined that the transaction to be refunded cannot be used for the funds flow for refund, and the refund interface of the electronic wallet is called to return the remittance result to the remitter's electronic wallet, and the remittance limit service is called to deduct the funds of the transaction to be refunded from the remitter's remittance limit; when the comparison fails, it is determined that the transaction to be refunded can be used for the funds flow for refund.

[0138] As an example, before processing the funds flow for a refund, it is necessary to compare whether the transaction to be refunded is a transaction that has completed settlement. When the transaction to be refunded is a transaction that has completed settlement, the transaction to be refunded cannot be used for the funds flow for a refund; when the transaction to be refunded is not a transaction that has completed settlement, the transaction to be refunded can be used for the funds flow for a refund.

[0139] The embodiment of the present invention can avoid the situation where the remittance is still returned to the remitter after the remittance has reached the recipient for settlement, causing losses to the service provider and the partner, by comparing whether the transaction to be refunded is a transaction that has completed settlement before processing the fund flow of the refund.

[0140] In step 104, the electronic wallet system queries the service provider system and the partner system for the status of the fund flow of the corresponding transaction, and queries the status of the fund flow of the corresponding transaction management operation.

[0141] In some embodiments, when the status of the funds flow of the corresponding transaction is the first-level funds flow status, the process of the electronic wallet system querying the status of the funds flow of the corresponding transaction of the service provider system and the partner system is specifically as follows: filtering out transactions whose first-level funds flow status is any one of remittance, pending collection and cancellation from the status record table maintained by the electronic wallet system; calling the status query interface of the service provider system and the status query interface of the partner system through the status query pre-conversion service in the electronic wallet system to obtain the first-level funds flow status of the funds flow of the corresponding filtered transaction of the service provider system and the first-level funds flow status of the funds flow of the corresponding filtered transaction of the partner system; wherein the candidate set of the first-level funds flow status includes: pending payment, expired, paid, remittance, pending collection and successful withdrawal.

[0142] In some embodiments, when the status of the funds flow of the corresponding transaction is a secondary funds flow status, the process of the electronic wallet system querying the status of the funds flow of the corresponding transaction of the service provider system and the partner system is specifically as follows: after the electronic wallet system triggers the service provider system, and the partner system performs funds flow processing for refunding the remitter according to the secondary funds flow status being canceled, the electronic wallet system queries the status query interface of the service provider system and the partner system to obtain the secondary funds flow status of the corresponding transaction in the service provider system and the partner system that is to be refunded or has been refunded.

[0143] As an example, since the electronic wallet system continuously queries the status of the fund flow of the corresponding transaction between the service provider system and the partner system, after processing the fund flow of refunding the remitter, the electronic wallet system will first query the status of the secondary fund flow to be refunded. Only when the transaction funds arrive at the electronic wallet account of the remitter can the electronic wallet system query the status of the secondary fund flow that has been refunded. Moreover, when the electronic wallet system queries the status of the refunded funds, the electronic wallet system stops the process of querying the fund flow status.

[0144] The embodiment of the present invention queries the status of fund flow of corresponding transactions between the service provider system and the partner system through polling scheduling, which can ensure the accuracy and timeliness of the subsequent update of the fund flow status label according to the query results.

[0145] In step 105, the electronic wallet system synchronizes the fund flow status tag corresponding to the queried status to the electronic wallet of the remitter.

[0146] In some embodiments, the electronic wallet system queries the service provider system and the partner system for the status of the fund flow in response to the transaction, and synchronizes the corresponding fund flow status tag to the electronic wallet of the remitter multiple times, such as regularly or irregularly. Regardless of whether it is a fund flow triggered by a transaction or a fund flow triggered by a transaction management operation, the electronic wallet system will obtain the corresponding fund flow status tag through query and synchronize it to the electronic wallet of the remitter.

[0147] As an example, see Figure 1A The electronic wallet system can provide the electronic wallet with a fund flow status label so that the corresponding fund flow status can be displayed in the electronic wallet. The remitter can obtain the fund flow status through the electronic wallet application 400-1 in the terminal 400 ( Figure 1A Only the fund flow status labels of being transferred, being cancelled and to be refunded are shown in the figure), so that the current fund flow progress can be perceived.

[0148] The embodiment of the present invention can make the remitter aware of the current progress of fund flow by synchronizing the fund flow status tag corresponding to the queried status to the electronic wallet of the remitter, and can ensure the security, transparency and traceability of fund flow.

[0149] In some embodiments, the remitter and the payee may both hold electronic wallets, and the electronic wallet system may synchronize the fund flow status tag to the electronic wallets held by the remitter and the payee at the same time, so that the remitter and the payee can both be aware of the current fund flow progress, thereby improving the user experience.

[0150] Next, continue to combine Figure 2The transaction processing device 555 of the electronic wallet provided in the embodiment of the present invention is implemented as an exemplary structure of a software module. In some embodiments, Figure 2 As shown, the software modules stored in the transaction processing device 555 of the electronic wallet in the memory 550 may include: a trigger module 5551 , an adjustment module 5552 and a query module 5553 .

[0151] A trigger module 5551 is used to trigger the flow of funds from the electronic wallet system, through the service provider system and the partner system, to the payee account in response to the transaction submitted by the electronic wallet of the remitter;

[0152] An adjustment module 5552 is used to adjust the service party system and the partner system to a fund flow state corresponding to the transaction management operation in response to the transaction management operation submitted by the electronic wallet of the remitter, and trigger the service party system and the partner system to perform corresponding fund flow according to the adjusted fund flow state;

[0153] The query module 5553 is used to query the status of the fund flow of the service party system and the partner system corresponding to the transaction, query the status of the fund flow corresponding to the transaction management operation, and synchronize the fund flow status label corresponding to the queried status to the electronic wallet of the remitter.

[0154] In the above technical solution, the trigger module 5551 is also used to trigger the following fund flow for transfer through the electronic wallet system: deducting the remittance fee from the electronic wallet of the remitter, and transferring the funds of the transaction from the electronic wallet of the remitter to the account of the service party system; transferring the funds of the transaction from the account of the service party system to the account of the cross-border partner system, and transferring from the account of the partner system to the cross-border account of the payee.

[0155] In the above technical solution, the adjustment module 5552 is also used to adjust the service party system and the partner system to switch from the primary funds flow status corresponding to the transaction to the primary funds flow status or the secondary funds flow status corresponding to the transaction management operation; wherein the candidate set of the primary funds flow status includes: pending payment, expired, paid, remittance in progress, pending collection and successful withdrawal; the candidate set of the secondary funds flow status includes: canceling, pending refund and refunded.

[0156] In the above technical solution, the adjustment module 5552 is also used for the transaction management operation as a transaction termination instruction, and the transaction termination instruction includes a call to the transaction cancellation interface of the electronic wallet system, and the call parameter is the transaction number of the transaction; query the first-level funds flow status corresponding to the transaction in the electronic wallet system according to the transaction number; when the first-level funds flow status corresponding to the transaction in the electronic wallet system is unpaid, adjust the first-level funds flow status corresponding to the transaction in the electronic wallet system to invalid, and terminate the funds flow corresponding to the transaction from the electronic wallet system, through the service system and the partner system, to the payee account.

[0157] In the above technical solution, the adjustment module 5552 is also used for the transaction management operation as a transaction termination instruction, and the transaction termination instruction includes a call to the transaction cancellation interface of the electronic wallet system, and the call parameter is the transaction number of the transaction; the primary funds flow status corresponding to the transaction in the electronic wallet system is queried according to the transaction number; when the primary funds flow status corresponding to the transaction in the electronic wallet system is paid, being transferred or awaiting collection, the transaction cancellation interface of the service party system and the transaction cancellation interface in the partner system are called through the electronic wallet system, so that the service party system and the partner system adjust the primary funds flow status corresponding to the transaction to the secondary funds flow status being cancelled.

[0158] In the above technical solution, the adjustment module 5552 is also used to trigger the service provider system and the partner system to perform fund flow for refund corresponding to the transaction according to the secondary fund flow status being cancelled when the primary fund flow status of the transaction recorded by the electronic wallet system is paid, being transferred or awaiting collection.

[0159] In the above technical solution, the query module 5553 is also used to trigger the service party system and the partner system to perform fund flow processing for refunding the remitter according to the secondary fund flow status in the cancellation, and then query the status query interface of the service party system and the partner system through the electronic wallet system to obtain the secondary fund flow status of the transaction to be refunded or refunded in the service party system and the partner system.

[0160] In the above technical solution, the device also includes: a first comparison module, which is used to compare the transaction number of the transaction to be refunded with the transaction number in the settlement details sheet; when the comparison is successful, it is determined that the transaction to be refunded cannot be used for the fund flow of the refund, the refund interface of the electronic wallet is called, the remittance result is returned to the electronic wallet of the remitter, and the remittance limit service is called to deduct the funds of the transaction to be refunded from the remittance limit of the remitter; when the comparison fails, it is determined that the transaction to be refunded can be used for the fund flow of the refund.

[0161] In the above technical solution, the query module 5553 is also used to screen out transactions whose primary funds flow status is any one of being remitted, pending collection and cancelled; the electronic wallet system calls the status query interface of the service party system and the status query interface of the partner system to obtain the primary funds flow status of the service party system corresponding to the screened transactions, and the primary funds flow status of the partner system corresponding to the screened transactions; wherein the candidate set of the primary funds flow status includes: pending payment, expired, paid, remitted, pending collection and successful withdrawal.

[0162] In the above technical solution, the device also includes: a second comparison module, which is used to compare the transaction number of the transaction to be remitted with the transaction number in the settlement details sheet; when the comparison is successful, it is determined that the transaction to be remitted cannot be used for the fund flow of remittance, and the refund interface of the electronic wallet is called to return the funds of the transaction to be remitted to the electronic wallet of the remitter, and the remittance limit service is called to deduct the funds of the transaction to be remitted from the remittance limit of the remitter; when the comparison fails, it is determined that the transaction to be remitted can be used for the fund flow of remittance.

[0163] In the above technical solution, the adjustment module 5552 is also used when the transaction management instruction is a transaction suspension instruction, and the transaction suspension instruction includes calling the transaction suspension interface of the electronic wallet system, and the calling parameter is the transaction number of the transaction; according to the transaction number, the primary funds flow status or the secondary funds flow status corresponding to the transaction in the electronic wallet system is queried, and the queried primary funds flow status or the secondary funds flow status is adjusted to a suspended state.

[0164] In the above technical solution, the adjustment module 5552 is also used for the transaction management instruction to be a transaction rollback instruction, and the transaction rollback instruction includes calling the transaction rollback interface of the electronic wallet system, and the calling parameter is the transaction number of the transaction; querying the secondary funds flow status corresponding to the transaction in the electronic wallet system according to the transaction number; when the secondary funds flow status corresponding to the transaction in the electronic wallet system is canceled, calling the transaction rollback interface of the service party system and the transaction rollback interface in the partner system through the electronic wallet system, so that the service party system and the partner system will roll back the secondary funds flow status corresponding to the transaction to the primary funds flow status of the transaction before the secondary funds flow status.

[0165] In the above technical solution, the device also includes: a sending module, which is used to send the funds flow status label corresponding to the status of the funds flow of the transaction to the blockchain network when the service party system and the partner system are triggered to perform corresponding funds flow according to the adjusted funds flow status; and query the funds flow status label corresponding to the status of the funds flow of the transaction in the blockchain network.

[0166] The following describes an exemplary application of an embodiment of the present invention in a practical application scenario.

[0167] In the process of cross-border remittance, the relevant technical solutions do not support the external display of the current remittance process to the user, and the remitter cannot perceive the current fund flow process, thus failing to ensure the transparency and security of the fund flow. The remitter cannot understand when and to which link the funds he remitted will flow. The relevant technical solutions also do not support the remitter to autonomously suspend, cancel, roll back and other special treatments of asynchronous fund flow, which also means that when the remitter's remittance information is wrong (for example, the payee's name, date of birth and other information do not match), the payee cannot successfully withdraw the money due to the wrong information, resulting in a remittance failure. This will damage the interests of the remitter. During the implementation of the relevant technical solutions, the relevant technical solutions were analyzed and it was found that the reasons for the above problems are: the relevant technical solutions do not have methods and capabilities for labeling, recording and processing the fund flow process, do not support triggering the fund flow process by relying on changes in status tags, and do not support the ability to change the fund flow by initiating a request by the remitter.

[0168] In response to the above problems, an embodiment of the present invention proposes a transaction processing method for an electronic wallet. The embodiment of the present invention can not only ensure the security, publicity, and traceability of fund flow under different circumstances, but also effectively control the fund risk points in the business and ensure the security of the business. In addition, the embodiment of the present invention will display the specific labels of fund flow to ensure that the business fund information is open and transparent. At the same time, under a specific flow label state, the initiator of the fund flow (i.e., the remitter mentioned above) is supported to autonomously suspend, end, roll back, and other special processing of the asynchronous fund flow, so that the business has a high degree of flexibility and scalability, and can fully protect the rights and interests of the fund holders.

[0169] The implementation scheme of the embodiment of the present invention includes: 1) classification method of fund flow status labels; 2) mapping relationship and implementation method between fund flow status and fund flow status labels; 3) asynchronous fund flow process and implementation method triggered by fund flow status labels; 4) support for the fund flow initiator (i.e. the remitter mentioned above) to autonomously initiate the termination operation of the fund flow process. The details are as follows:

[0170] 1) Classification method of fund flow status labels

[0171] Cross-border remittance refers to financial foreign exchange business from one country or region to another country or region, which complies with the financial supervision and limit rules of the country or region and is aimed at individuals or enterprises. It supports the same or different currencies for remittance.

[0172] The business (i.e. the above-mentioned e-wallet system) needs to cooperate with the service provider to carry out necessary steps such as information collection, feedback and currency exchange, and needs to carry out necessary steps such as information feedback, collection, currency exchange and local fund distribution with the partner.

[0173] Since the business involves the remitter, service provider, partner and payee, there is a time cost for information synchronization among all parties, and "real-time synchronization" cannot be achieved. It relies on periodic or triggered batch updates of the business to achieve asynchronous fund flow status.

[0174] The entire capital flow process can be divided into two categories based on user behavior: primary capital flow status and secondary capital flow status, where:

[0175] Level 1 fund flow status: the status of normal fund flow after the remitter completes the remittance. There are 6 levels of level 1 fund flow status: pending payment, expired, paid, remittance in progress, pending receipt, and successful withdrawal.

[0176] Secondary fund flow status: During the primary fund flow process, the remitter initiates a flow termination operation, triggering the secondary fund flow status. There are three secondary fund flow statuses: remittance cancellation (i.e., cancellation mentioned above), pending refund, and refunded.

[0177] It should be noted that the business can display the status of fund flow to the user's electronic wallet.

[0178] 2) Mapping relationship and implementation method between capital flow status and capital flow status label

[0179] The embodiment of the present invention requires the joint efforts of the service provider and the partner. The relationship between the service provider and the partner during the capital flow process is as follows: Figure 7 As shown, Figure 7 It is a schematic diagram of the relationship between the capital flow and the service provider and the cooperation party provided by the embodiment of the present invention.

[0180] Since the funds flow process involves multiple links such as the e-wallet system, service providers, partners and payees, information transmission during the process cannot be achieved in "real time" due to objective reasons. The organization of business funds flow relies on periodic or triggered query batches. After each batch, the e-wallet system updates the funds flow status.

[0181] The entire capital flow process can be divided into two categories based on user behavior: primary capital flow status and secondary capital flow status, where:

[0182] The primary funds flow status includes:

[0183] Waiting for payment: The remitter submits an order in the electronic wallet (e.g., an order for a remittance transaction);

[0184] Expired: The remitter submitted the order in the e-wallet but did not make the payment;

[0185] Paid: The remitter has submitted the order in the e-wallet and has made the payment (for example, the remitter has transferred the funds to the e-wallet system);

[0186] Remittance in progress: the electronic wallet system sends the remittance from the remitter to the service provider;

[0187] Waiting for payment: The service provider sends the remittance to the partner (pawnshop, bank, financial institution, etc.);

[0188] Withdrawal successful: The recipient completes the withdrawal.

[0189] Specifically, the asynchronous fund transfer process between the service provider and the partner is as follows: Figure 8 As shown, Figure 8 It is a schematic diagram of the first-level asynchronous funds flow process provided by an embodiment of the present invention.

[0190] Secondary funds flow status includes:

[0191] Remittance cancellation: Initiated by the remitter to terminate the remittance (fund transfer) process;

[0192] Pending refund: The remitter successfully initiates the transfer termination operation, the primary fund transfer is terminated, and the funds are returned to the remitter's account;

[0193] Refund completed: The remitter has successfully initiated the transfer termination operation, and the funds have been returned to the remitter's account via the original route.

[0194] It should be noted that during the implementation of the embodiment of the present invention, the electronic wallet system will periodically or trigger a batch query operation, by calling the service provider or partner to provide the latest information query application program interface (API) on the status of fund flow, so as to obtain the latest information on the status of fund flow and update the external status label in real time.

[0195] 3) The process and implementation method of asynchronous fund transfer triggered by fund transfer status tag

[0196] The asynchronous fund transfer process triggered by the fund transfer status tag is as follows: Figure 5A , Figure 5B and Figure 5C As shown by Figure 5A It can be seen that during the capital flow period, the remitter no longer interferes with the capital flow process. Figure 5B and Figure 5C It can be seen that when the fund flow status label is transferred to "remittance in progress" or "pending receipt", the remitter initiates the "fund flow termination" instruction, then the funds will no longer follow the first-level fund flow status flow, but will enter the second-level fund flow status of "remittance cancellation", thereby triggering the remittance cancellation and refund process. The subsequent remittance flow status will be changed to "pending refund" or "refunded", and the order status will be completed.

[0197] 4) Support the initiator of fund transfer to independently initiate the termination operation of the fund transfer process

[0198] The business supports the remittance initiator to independently terminate the fund flow process it previously initiated in advance (and return the funds along the original route); after receiving the operation request from the remitter, the business side can adjust the corresponding fund flow status and trigger the corresponding fund flow process.

[0199] See also Fig. 9A and Fig. 9B , Fig. 9A and Fig. 9B This is a schematic diagram of an application scenario provided by an embodiment of the present invention. The embodiment of the present invention can be specifically applied to the following scenarios:

[0200] In the first step, the remitter initiates a remittance application and can view the current fund flow status in the e-wallet.

[0201] In the second step, the remitter initiates the operation of terminating the flow of funds.

[0202] In the third step, the fund flow process changes according to the remitter's operations, and the fund flow status is displayed externally.

[0203] Next, combine Fig. 10A , Fig. 10B and Fig. 10C The specific technical implementation scheme of the embodiment of the present invention is described.

[0204] See also Fig. 10A , Fig. 10A 1 is a schematic diagram of the overall system flow provided by an embodiment of the present invention. The remittance order number is the transaction number mentioned above.

[0205] In some embodiments, the remitter can cancel the order only when the remittance order state (Fstate, i.e., the above-mentioned fund flow state) is 1-unpaid, 2-paid, 3-remittance in progress, or 4-pending. When Fstate=1 and the cancellation operation is performed, Fstate is adjusted to 10-invalid after successful cancellation; when Fstate=2, 3 or 4 and the cancellation operation is performed, the remittance order cancellation API (i.e., the above-mentioned transaction cancellation pre-conversion service) of the cooperative institution (cooperator and / or service provider) is called to cancel the order through the remittance order cancellation pre-conversion service (i.e., the above-mentioned transaction cancellation pre-conversion service). After the order is successfully cancelled, Fstate is adjusted to 11-canceling.

[0206] See also Fig. 10B , Fig. 10B It is a schematic diagram of a status query batch processing flow provided by an embodiment of the present invention.

[0207] In some embodiments, first, the remittance slips with Fstate 3-remittance in progress, 4-pending collection, and 11-canceled are queried and filtered from the status record table maintained by the electronic wallet system; then, the status query API of the cooperative institution is called through the status query pre-conversion service to query the fund flow status; finally, the remittance slip status is updated according to the returned status query result and recorded in the status record table.

[0208] See also Fig. 10C , Fig. 10C It is a schematic diagram of the refund batch processing flow provided by an embodiment of the present invention.

[0209] In some embodiments, the order to be refunded (i.e., the transaction to be refunded mentioned above) is loaded, and it is checked whether the settlement details table has recorded the order to be refunded. When the settlement details table records the order to be refunded, it is determined that the order to be refunded cannot be used for the refund of funds, and the wallet refund API (i.e., the refund interface of the electronic wallet mentioned above) is called to return the remittance result to the electronic wallet of the remitter, and the limit accumulation service (i.e., the remittance limit service mentioned above) is called to deduct the amount of the order to be refunded from the remittance limit of the remitter.

[0210] In some embodiments, an order to be transferred (i.e., the transaction to be remitted mentioned above) is loaded, and a check is made to see whether the order to be transferred has been recorded in the settlement details table. When the settlement details table records the order to be transferred, it is determined that the order to be transferred cannot be transferred, and a wallet refund API is called to return the funds of the order to be transferred to the electronic wallet of the remitter, and a limit accumulation service is called to deduct the amount of the order to be transferred (i.e., the principal amount) from the remittance limit of the remitter.

[0211] In summary, the embodiments of the present invention have the following beneficial effects:

[0212] By judging the status label, the security, publicity, and traceability of fund flows under different circumstances can be guaranteed, and the fund risk points in the business can be effectively controlled to ensure the security of the business. At the same time, the business will display the specific labels of the fund flow to ensure that the business fund information is open and transparent. At the same time, under a specific flow label state, the initiator of the fund flow is supported to autonomously suspend, end, roll back, and other special processing of the asynchronous fund flow, making the business highly flexible and scalable, and fully protecting the rights and interests of the fund holders.

[0213] The above description is only an embodiment of the present invention and is not intended to limit the protection scope of the present invention. Any modification, equivalent replacement and improvement made within the spirit and scope of the present invention are included in the protection scope of the present invention.

Claims

1. A transaction processing method for an electronic wallet, characterized in that: include: In response to a transaction submitted by the electronic wallet of the remitter, trigger the flow of funds from the electronic wallet system, through the service provider system and the partner system, to the recipient's account; In response to the transaction management operation submitted by the electronic wallet of the remitter, the service system and the partner system are adjusted to switch from the primary fund flow state corresponding to the transaction to the primary fund flow state or the secondary fund flow state corresponding to the transaction management operation, and Triggering the service provider system and the partner system to perform corresponding fund flow according to the adjusted fund flow status; Wherein, the transaction management operation includes: transaction end instruction, transaction suspension instruction and transaction rollback instruction, the transaction rollback instruction is used to make the service party system and the partner system roll back the secondary fund flow state corresponding to the transaction to the primary fund flow state of the transaction before the secondary fund flow state when the secondary fund flow state corresponding to the transaction in the electronic wallet system is canceled, the candidate set of the primary fund flow state includes: pending payment, expired, paid, remittance, pending collection and successful withdrawal, and the candidate set of the secondary fund flow state includes: canceled, pending refund and refunded; Query the status of the fund flow of the service provider system and the partner system corresponding to the transaction, query the status of the fund flow corresponding to the transaction management operation, and The fund flow status label corresponding to the queried status is synchronized to the electronic wallet of the remitter.

2. The method according to claim 1, characterized in that The triggering of the funds flow from the electronic wallet system, through the service provider system and the partner system, to the payee's account includes: The following fund flow for transfer is triggered by the electronic wallet system: Deducting the remittance fee from the remitter's electronic wallet, and transferring the transaction funds from the remitter's electronic wallet to the account of the service provider's system; The funds of the transaction are transferred from the account of the service party system to the account of the cross-border partner system, and then transferred from the account of the partner system to the cross-border payee account.

3. The method according to claim 1, characterized in that When the transaction management operation is a transaction end instruction, the transaction end instruction includes a call to a transaction cancellation interface of the electronic wallet system, and the call parameter is the transaction number of the transaction; The adjusting the service party system and the partner system to switch from the primary fund flow state corresponding to the transaction to the primary fund flow state or the secondary fund flow state corresponding to the transaction management operation includes: Querying the primary funds flow status corresponding to the transaction in the electronic wallet system according to the transaction number; When the primary fund flow status of the transaction in the electronic wallet system is unpaid, the primary fund flow status of the transaction in the electronic wallet system is adjusted to invalid, and The flow of funds corresponding to the transaction from the electronic wallet system, through the service provider system and the partner system, to the payee account is terminated.

4. The method according to claim 1, characterized in that When the transaction end instruction includes a call to the transaction cancellation interface of the electronic wallet system, the call parameter is the transaction number of the transaction; The adjusting the service party system and the partner system to switch from the primary fund flow state corresponding to the transaction to the primary fund flow state or the secondary fund flow state corresponding to the transaction management operation includes: Querying the primary funds flow status corresponding to the transaction in the electronic wallet system according to the transaction number; When the primary fund flow status corresponding to the transaction in the electronic wallet system is paid, in process of remittance or to be received, The electronic wallet system calls the transaction cancellation interface of the service system and the transaction cancellation interface in the partner system, so that The service provider system and the partner system adjust the primary funds flow status corresponding to the transaction to a secondary funds flow status being cancelled.

5. The method according to claim 1, characterized in that The triggering of the service party system and the partner system to perform corresponding fund flow according to the adjusted fund flow status includes: When the primary fund flow status of the transaction recorded by the electronic wallet system is paid, in process of remittance or to be received, The service provider system and the partner system are triggered to perform fund flow for refund corresponding to the transaction according to the secondary fund flow status during the cancellation.

6. The method according to claim 5, characterized in that The querying of the status of the fund flow of the service party system and the partner system corresponding to the transaction includes: After the service system and the partner system are triggered to process the fund flow of refunding to the remitter according to the secondary fund flow status in the cancellation, The status query interface of the service provider system and the partner system is queried through the electronic wallet system to obtain the secondary fund flow status of the transaction to be refunded or refunded in the service provider system and the partner system.

7. The method according to claim 5, characterized in that Before the fund flow processing for refunding the transaction is performed, the method further includes: Compare the transaction number of the transaction to be refunded with the transaction number in the settlement statement; When the comparison is successful, it is determined that the transaction to be refunded cannot be used for the fund flow of the refund, the refund interface of the electronic wallet is called, and the remittance result is returned to the electronic wallet of the remitter, and Invoke the remittance limit service to deduct the funds of the transaction to be refunded from the remittance limit of the remitter; When the comparison fails, it is determined that the transaction to be refunded is capable of carrying out fund flow for the refund.

8. The method according to claim 1, characterized in that The querying of the status of the fund flow of the service party system and the partner system corresponding to the transaction includes: Filter out transactions whose primary fund flow status is any of: remittance, pending receipt, and canceled; By calling the status query interface of the service provider system and the status query interface of the partner system through the electronic wallet system, the first-level funds flow status of the funds flow of the service provider system corresponding to the screened transactions and the first-level funds flow status of the funds flow of the partner system corresponding to the screened transactions are obtained.

9. The method according to claim 1, characterized in that: Before the transaction management operation in response to the electronic wallet of the remitter, the method further comprises: Compare the transaction number of the transaction to be remitted with the transaction number in the settlement statement; When the comparison is successful, it is determined that the transaction to be remitted cannot be used for the fund flow of remittance, the refund interface of the electronic wallet is called, the funds of the transaction to be remitted are returned to the electronic wallet of the remitter, and Invoke the remittance limit service to deduct the funds of the transaction to be remitted from the remittance limit of the remitter; When the comparison fails, it is determined that the transaction to be remitted can carry out the fund flow for remittance.

10. The method according to claim 1, characterized in that The adjusting the service party system and the partner system to switch from the primary fund flow state corresponding to the transaction to the primary fund flow state or the secondary fund flow state corresponding to the transaction management operation includes: When the transaction management instruction is a transaction suspension instruction, querying the primary fund flow status or the secondary fund flow status corresponding to the transaction in the electronic wallet system according to the transaction number of the transaction, and adjusting the queried primary fund flow status or the secondary fund flow status to a suspended state, wherein the transaction suspension instruction includes calling a transaction suspension interface of the electronic wallet system, and the calling parameter is the transaction number of the transaction; When the transaction management instruction is a transaction rollback instruction, the secondary funds flow status corresponding to the transaction in the electronic wallet system is queried according to the transaction number of the transaction; when the secondary funds flow status corresponding to the transaction in the electronic wallet system is being canceled, the transaction rollback interface of the service party system and the transaction rollback interface in the partner system are called through the electronic wallet system, so that the service party system and the partner system will roll back the secondary funds flow status corresponding to the transaction to the primary funds flow status of the transaction before the secondary funds flow state, wherein the transaction rollback instruction includes a call to the transaction rollback interface of the electronic wallet system, and the calling parameter is the transaction number of the transaction.

11. The method according to any one of claims 1 to 10, characterized in that: The method further comprises: When the service system and the partner system are triggered to perform corresponding fund flow according to the adjusted fund flow status, the fund flow status tag corresponding to the fund flow status of the transaction is sent to the blockchain network; The querying of the status of the fund flow of the service party system and the partner system corresponding to the transaction, and the querying of the status of the fund flow corresponding to the transaction management operation, includes: Query the blockchain network for a funds flow status tag corresponding to the funds flow status of the transaction.

12. A transaction processing device for an electronic wallet, characterized in that: The device comprises: A trigger module, for responding to a transaction submitted by the electronic wallet of the remitter, triggering the flow of funds from the electronic wallet system, through the service provider system and the partner system, to the payee's account; An adjustment module, for adjusting the service party system and the partner system from the primary fund flow state corresponding to the transaction to the primary fund flow state or the secondary fund flow state corresponding to the transaction management operation in response to the transaction management operation submitted by the electronic wallet of the remitter, and triggering the service party system and the partner system to perform corresponding fund flow according to the adjusted fund flow state; wherein the transaction management operation includes: a transaction end instruction, a transaction suspension instruction and a transaction rollback instruction, the transaction rollback instruction is used to make the service party system and the partner system roll back the secondary fund flow state corresponding to the transaction to the primary fund flow state of the transaction before the secondary fund flow state when the secondary fund flow state corresponding to the transaction in the electronic wallet system is being canceled, the candidate set of the primary fund flow state includes: pending payment, expired, paid, remittance in progress, pending collection and successful withdrawal, and the candidate set of the secondary fund flow state includes: being canceled, pending refund and refunded; The query module is used to query the status of the fund flow of the service party system and the partner system corresponding to the transaction, query the status of the fund flow corresponding to the transaction management operation, and synchronize the fund flow status label corresponding to the queried status to the electronic wallet of the remitter.

13. A transaction processing device for an electronic wallet, characterized in that: include: A memory for storing executable instructions; The processor is used to implement the transaction processing method of the electronic wallet as described in any one of claims 1 to 11 when executing the executable instructions stored in the memory.

14. A storage medium, characterized in that: Executable instructions are stored, which are used to cause the processor to execute and implement the transaction processing method of the electronic wallet as described in any one of claims 1 to 11.

Images