Transaction method, device, electronic device and computer readable storage medium

Abstract

The embodiments of the present application provide a transaction method, device, electronic device and computer-readable storage medium. The method includes: when receiving an incoming message from a peer customer for a designated account, determining the fund register corresponding to the incoming message according to a preset clearing rule; registering the transaction information corresponding to the incoming message into the fund register, so that the peer customer can conduct transactions based on the fund register. Based on this solution, the interbank customer's account entry can be registered through the fund register, and the interbank customer can conduct transactions based on the fund register, thereby avoiding the cumbersome procedures when opening an account, meeting the needs of the peer customer for quick and convenient transactions, and ensuring the normal transactions of peer users.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and more specifically, to a transaction method, device, electronic device, and computer-readable storage medium. Background Art

[0002] Interbank customers of financial institutions (such as banks) may invest in financial institutions and generally need to open an account in the financial institution and manage the account in order to trade based on the account. However, the current procedures for opening an account for interbank customers are relatively cumbersome and cannot meet the needs of interbank customers for fast and convenient transactions, affecting the normal transactions of interbank users. Summary of the invention

[0003] The purpose of this application is to solve at least one of the above technical defects. The technical solution adopted by this application is as follows:

[0004] In a first aspect, an embodiment of the present application provides a transaction method, the method comprising:

[0005] When receiving an incoming message from a peer customer for a designated account, determine the fund register corresponding to the incoming message according to the pre-set clearing rules;

[0006] The transaction information corresponding to the future account message will be registered in the fund register so that the interbank customers can conduct transactions based on the fund register.

[0007] Optionally, determining the fund register corresponding to the incoming account message according to a predetermined clearing rule includes:

[0008] Determine whether there is a stored fund register corresponding to the incoming account message according to a predetermined clearing rule;

[0009] If it exists, the stored fund register will be used as the fund register corresponding to the incoming message;

[0010] If it does not exist, create a fund register corresponding to the incoming message.

[0011] Optionally, the above method further includes:

[0012] When receiving a transaction request from a peer customer for the corresponding fund register, the transaction data corresponding to the transaction request is processed and the processing result is recorded in the fund register.

[0013] Optionally, the above method further includes:

[0014] When a due amount of an interbank customer is detected, check whether the due amount has been recorded in the fund register;

[0015] If registered, the due amount will be transferred back to the interbank customer through the designated account.

[0016] Optionally, the above method further includes:

[0017] If the incoming account message does not meet the clearing rules, the incoming account corresponding to the incoming account message will be returned to the interbank customer through the designated account.

[0018] Optionally, the above method further includes:

[0019] When changes are detected in the relevant information of peer customers, the corresponding information in the fund register is modified.

[0020] In a second aspect, an embodiment of the present application provides a transaction device, the device comprising:

[0021] A fund register determination module is used to determine the fund register corresponding to the incoming message according to a preset clearing rule when receiving an incoming message from a peer customer for a designated account;

[0022] The transaction information registration module is used to register the transaction information corresponding to the incoming account message into the fund register, so that the inter-bank customers can conduct transactions based on the fund register.

[0023] Optionally, when the fund register determination module determines the fund register corresponding to the incoming account message according to a predetermined clearing rule, it is specifically used to:

[0024] Determine whether there is a stored fund register corresponding to the incoming account message according to a predetermined clearing rule;

[0025] If it exists, the stored fund register will be used as the fund register corresponding to the incoming message;

[0026] If it does not exist, create a fund register corresponding to the incoming message.

[0027] Optionally, the above device further includes:

[0028] The transaction processing module is used to process the transaction data corresponding to the transaction request when receiving a transaction request for the corresponding fund register from an interbank customer, and to register the processing result in the fund register.

[0029] Optionally, the above device further comprises a due transfer module, and the due transfer module is used to:

[0030] When a due amount of an interbank customer is detected, check whether the due amount has been recorded in the fund register;

[0031] If registered, the due amount will be transferred back to the interbank customer through the designated account.

[0032] Optionally, the above device further comprises a return module, and the return module is used to:

[0033] If the incoming account message does not meet the clearing rules, the incoming account corresponding to the incoming account message will be returned to the interbank customer through the designated account.

[0034] Optionally, the above device further includes:

[0035] The fund register update module is used to modify the corresponding information in the fund register when it detects that the relevant information of the same-bank customer has changed.

[0036] In a third aspect, an embodiment of the present application provides an electronic device, the electronic device comprising: a processor and a memory;

[0037] A memory, used for storing operation instructions;

[0038] The processor is used to execute the transaction method shown in any implementation of the first aspect of the present application by calling an operation instruction.

[0039] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the transaction method shown in any implementation of the first aspect of the present application.

[0040] The beneficial effects of the technical solution provided by the embodiment of the present application are:

[0041] The solution provided in the embodiment of the present application determines the fund register corresponding to the incoming message according to the preset clearing rules when receiving the incoming message from the same-bank customer for the designated account, so as to register the transaction information corresponding to the incoming message into the fund register, so that the same-bank customer can trade based on the fund register. Based on this solution, the interbank customer's account entry can be registered through the fund register, and the interbank customer can trade based on the fund register, thereby avoiding the cumbersome procedures when opening an account, meeting the needs of the same-bank customer for fast and convenient transactions, and ensuring the normal transactions of the same-bank users. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in describing the embodiments of the present application are briefly introduced below.

[0043] Figure 1 A flowchart of a transaction method provided in an embodiment of the present application;

[0044] Figure 2 A flowchart of a specific implementation method of a transaction method provided in an embodiment of the present application;

[0045] Figure 3 A schematic diagram of the structure of a transaction device provided in an embodiment of the present application;

[0046] Figure 4 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0047] The embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are only used to explain the present application, and cannot be interpreted as limiting the present invention.

[0048] It will be understood by those skilled in the art that, unless expressly stated, the singular forms "one", "said", and "the" used herein may also include plural forms. It should be further understood that the term "comprising" used in the specification of the present application refers to the presence of the features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integers, steps, operations, elements, components and / or groups thereof. It should be understood that when we refer to an element as being "connected" or "coupled" to another element, it may be directly connected or coupled to the other element, or there may be an intermediate element. In addition, the "connection" or "coupling" used herein may include wireless connection or wireless coupling. The term "and / or" used herein includes all or any unit and all combinations of one or more associated listed items.

[0049] In order to make the objectives, technical solutions and advantages of the present application clearer, the implementation methods of the present application will be further described in detail below with reference to the accompanying drawings.

[0050] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0051] Figure 1 A flow chart of a transaction method provided by an embodiment of the present application is shown as follows: Figure 1 As shown, the method may mainly include:

[0052] Step S110: when receiving an incoming message from a peer customer for a designated account, determining the fund register corresponding to the incoming message according to a preset clearing rule;

[0053] Step S110: registering the transaction information corresponding to the incoming account message into the fund register, so that the interbank customers can conduct transactions based on the fund register.

[0054] In the embodiment of the present application, a fund registration book can be established for inter-bank customers to register the transaction status of the inter-bank customers.

[0055] In the embodiment of the present application, the designated account is an internal account of a financial institution agreed upon with an interbank customer for receiving deposits from the interbank customer.

[0056] In an embodiment of the present application, clearing rules can be preset. Specifically, the clearing rules can be a one-to-one correspondence between the fund registration book account name, fund registration book serial number and the platform internal account (i.e., designated account), the payment account number of the same bank customer, the payment account name of the same bank customer and the bank number of the same bank customer for large payments.

[0057] In an embodiment of the present application, when an incoming message is received from an interbank customer for a designated account, information such as the interbank customer's payment account number, the interbank customer's payment account name, the interbank customer's large-amount payment bank number, etc. can be obtained, and the corresponding funds registration book can be found according to pre-set clearing rules, so that the transaction information corresponding to the incoming message can be registered in the funds registration book, and subsequent transactions conducted by the interbank customer in the financial institution can be completed based on the funds registration book.

[0058] The method provided in the embodiment of the present application determines the fund register corresponding to the incoming message according to the preset clearing rules when receiving the incoming message from the same-bank customer for the designated account, thereby registering the transaction information corresponding to the incoming message into the fund register, so that the same-bank customer can trade based on the fund register. Based on this scheme, the inter-bank customer's account entry can be registered through the fund register, and the inter-bank customer can trade based on the fund register, thereby avoiding the cumbersome procedures when opening an account, meeting the needs of the same-bank customer for fast and convenient transactions, and ensuring the normal transactions of the same-bank users.

[0059] In an optional manner of the embodiment of the present application, determining the fund register corresponding to the incoming account message according to a predetermined clearing rule includes:

[0060] Determine whether there is a stored fund register corresponding to the incoming account message according to a predetermined clearing rule;

[0061] If it exists, the stored fund register will be used as the fund register corresponding to the incoming message;

[0062] If it does not exist, create a fund register corresponding to the incoming message.

[0063] In the embodiment of the present application, for different types of business, such as financial management and interbank deposits, the same payment information (i.e., the payment account number of the interbank customer, the payment account name of the interbank customer, the bank number of the interbank customer for large payments, etc.) may appear. In this case, the system may have a fund register that can be reused. Specifically, according to the above information such as the payment account number of the interbank customer, the payment account name of the interbank customer, the bank number of the interbank customer for large payments, etc., it can be found whether there is a corresponding stored fund register. If it exists, the stored fund register can be reused; if it does not exist, a fund register corresponding to the incoming account message can be created.

[0064] In an optional manner of the embodiment of the present application, the above method further includes:

[0065] When receiving a transaction request from a peer customer for the corresponding fund register, the transaction data corresponding to the transaction request is processed and the processing result is recorded in the fund register.

[0066] In the embodiment of the present application, after the incoming account information is registered in the fund register, the interbank customer can log in to the interbank platform to conduct investment transactions. As an example, the transaction information of the investment transaction is sent to the financial management platform, and the financial management platform processes the transaction data. At the same time, the fund register serial number needs to be transparently transmitted to the core system for account processing. The interbank customer can check the acceptance status of his investment transaction through the interbank platform the next day.

[0067] In an optional manner of the embodiment of the present application, the above method further includes:

[0068] When a due amount of an interbank customer is detected, check whether the due amount has been recorded in the fund register;

[0069] If registered, the due amount will be transferred back to the interbank customer through the designated account.

[0070] In an embodiment of the present application, when a due payment of an interbank customer is detected, for example, when an investment of an interbank customer matures, the system automatically queries the balance of the customer's funds register. If the due payment has arrived in the customer's funds register, the system automatically triggers the remittance of the payment in accordance with the remittance rules previously agreed upon with the customer, and remits the due payment back to the interbank customer's account, thereby completing the customer's online self-service investment.

[0071] In an optional manner of the embodiment of the present application, the above method further includes:

[0072] If the incoming account message does not meet the clearing rules, the incoming account corresponding to the incoming account message will be returned to the interbank customer through the designated account.

[0073] In the embodiment of the present application, for incoming account messages that do not match the clearing rules, the system automatically returns the funds to the accounts of interbank customers according to the incoming account path.

[0074] In an optional manner of the embodiment of the present application, the above method further includes:

[0075] When changes are detected in the relevant information of peer customers, the corresponding information in the fund register is modified.

[0076] In the embodiment of the present application, the interbank customer may have changes in relevant information such as the company name and company address. At this time, it is necessary to update the clearing rules based on the changed interbank customer information to ensure the normal conduct of interbank customer transactions.

[0077] Figure 2 A flow chart of a specific implementation of the transaction method provided in the embodiment of the present application is shown in FIG. Figure 2 As shown in , when an incoming message is received, it can be determined whether the payee is an internal account of the platform (i.e., a designated account). If not, it is determined that the corresponding business is not an interbank platform business.

[0078] If the payee corresponding to the incoming message is an internal account of the platform, it can be determined whether the four elements of the message payment information (payer account number, payer name, payer bank number and payer bank name) can be used to find the corresponding fund register according to the clearing rules. If the corresponding fund register can be found, the corresponding transaction information can be registered in the fund register; if the corresponding fund register cannot be found, the remittance will be automatically refunded.

[0079] Based on Figure 1 The same principle as shown in the method, Figure 3 A schematic diagram of the structure of a transaction device provided in an embodiment of the present application is shown. Figure 3 As shown, the transaction device 20 may include:

[0080] The fund register determination module 210 is used to determine the fund register corresponding to the incoming message according to a preset clearing rule when receiving an incoming message from a peer customer for a designated account;

[0081] The transaction information registration module 220 is used to register the transaction information corresponding to the incoming account message into the fund register, so that the interbank customers can conduct transactions based on the fund register.

[0082] The device provided in the embodiment of the present application, when receiving an incoming message from a peer customer for a designated account, determines the fund register corresponding to the incoming message according to a preset clearing rule, thereby registering the transaction information corresponding to the incoming message into the fund register, so that the peer customer can conduct transactions based on the fund register. Based on this scheme, the interbank customer's account entry can be registered through the fund register, and the interbank customer can conduct transactions based on the fund register, thereby avoiding the cumbersome procedures when opening an account, meeting the needs of the interbank customer for fast and convenient transactions, and ensuring the normal transactions of interbank users.

[0083] Optionally, when the fund register determination module determines the fund register corresponding to the incoming account message according to a predetermined clearing rule, it is specifically used to:

[0084] Determine whether there is a stored fund register corresponding to the incoming account message according to a predetermined clearing rule;

[0085] If it exists, the stored fund register will be used as the fund register corresponding to the incoming message;

[0086] If it does not exist, create a fund register corresponding to the incoming message.

[0087] Optionally, the above device further includes:

[0088] The transaction processing module is used to process the transaction data corresponding to the transaction request when receiving a transaction request for the corresponding fund register from an interbank customer, and to register the processing result in the fund register.

[0089] Optionally, the above device further comprises a due transfer module, and the due transfer module is used to:

[0090] When a due amount of an interbank customer is detected, check whether the due amount has been recorded in the fund register;

[0091] If registered, the due amount will be transferred back to the interbank customer through the designated account.

[0092] Optionally, the above device further comprises a return module, and the return module is used to:

[0093] If the incoming account message does not meet the clearing rules, the incoming account corresponding to the incoming account message will be returned to the interbank customer through the designated account.

[0094] Optionally, the above device further includes:

[0095] The fund register update module is used to modify the corresponding information in the fund register when it detects that the relevant information of the same-bank customer has changed.

[0096] It can be understood that the above modules of the transaction device in this embodiment have the function of realizing Figure 1 The functions of the corresponding steps of the transaction method in the embodiment shown in the figure can be implemented by hardware, or by hardware executing corresponding software. The hardware or software includes one or more modules corresponding to the above functions. The above modules can be software and / or hardware, and the above modules can be implemented separately or integrated with multiple modules. For the functional description of each module of the above transaction device, please refer to Figure 1 The corresponding description of the transaction method in the embodiment shown in will not be repeated here.

[0097] An embodiment of the present application provides an electronic device, including a processor and a memory;

[0098] A memory, used for storing operation instructions;

[0099] The processor is used to execute the transaction method provided in any embodiment of the present application by calling an operation instruction.

[0100] As an example, Figure 4 A schematic diagram of the structure of an electronic device applicable to the embodiment of the present application is shown. Figure 4 As shown, the electronic device 2000 includes: a processor 2001 and a memory 2003. The processor 2001 and the memory 2003 are connected, such as through a bus 2002. Optionally, the electronic device 2000 may also include a transceiver 2004. It should be noted that in actual applications, the transceiver 2004 is not limited to one, and the structure of the electronic device 2000 does not constitute a limitation on the embodiments of the present application.

[0101] The processor 2001 is applied in the embodiment of the present application to implement the method shown in the above method embodiment. The transceiver 2004 may include a receiver and a transmitter. The transceiver 2004 is applied in the embodiment of the present application to implement the function of the electronic device of the embodiment of the present application communicating with other devices when executed.

[0102] Processor 2001 may be a CPU (Central Processing Unit), a general purpose processor, a DSP (Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), an FPGA (Field Programmable Gate Array) or other programmable logic devices, transistor logic devices, hardware components or any combination thereof. It may implement or execute various exemplary logic blocks, modules and circuits described in conjunction with the disclosure of this application. Processor 2001 may also be a combination that implements computing functions, such as a combination of one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0103] The bus 2002 may include a path to transmit information between the above components. The bus 2002 may be a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus 2002 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 4 Only one thick line is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0104] The memory 2003 can be a ROM (Read Only Memory) or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory) or other types of dynamic storage devices that can store information and instructions, or an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory) or other optical disk storage, optical disk storage (including compressed optical disk, laser disk, optical disk, digital versatile disk, Blu-ray disk, etc.), a magnetic disk storage medium or other magnetic storage device, or any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited to these.

[0105] Optionally, the memory 2003 is used to store application code for executing the solution of the present application, and the execution is controlled by the processor 2001. The processor 2001 is used to execute the application code stored in the memory 2003 to implement the transaction method provided in any embodiment of the present application.

[0106] The electronic device provided in the embodiment of the present application is applicable to any embodiment of the above method and will not be described in detail here.

[0107] The embodiment of the present application provides an electronic device, which, compared with the prior art, determines the fund register corresponding to the incoming message according to the preset clearing rules when receiving an incoming message from a peer customer to a designated account, thereby registering the transaction information corresponding to the incoming message to the fund register, so that the peer customer can conduct transactions based on the fund register. Based on this solution, the interbank customer's account entry can be registered through the fund register, and the interbank customer can conduct transactions based on the fund register, thereby avoiding the cumbersome procedures when opening an account, meeting the needs of the peer customer for fast and convenient transactions, and ensuring the normal transactions of peer users.

[0108] An embodiment of the present application provides a computer-readable storage medium, on which a computer program is stored. When the program is executed by a processor, the transaction method shown in the above method embodiment is implemented.

[0109] The computer-readable storage medium provided in the embodiments of the present application is applicable to any embodiment of the above method and will not be described in detail here.

[0110] The embodiment of the present application provides a computer-readable storage medium. Compared with the prior art, when receiving an incoming message from a peer customer to a designated account, the fund register corresponding to the incoming message is determined according to a preset clearing rule, so that the transaction information corresponding to the incoming message is registered in the fund register, so that the peer customer can trade based on the fund register. Based on this solution, the interbank customer's account entry can be registered through the fund register, and the interbank customer can trade based on the fund register, thereby avoiding the cumbersome procedures when opening an account, meeting the needs of the interbank customer for fast and convenient transactions, and ensuring the normal transactions of interbank users.

[0111] It should be understood that, although the steps in the flowchart of the accompanying drawings are displayed in sequence as indicated by the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least a part of the steps in the flowchart of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a part of the sub-steps or stages of other steps.

[0112] The above descriptions are only some embodiments of the present invention. It should be pointed out that, for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A trading method, characterized in that: include: When receiving an incoming message from an interbank customer to a designated account, determine the fund register corresponding to the incoming message according to a predetermined clearing rule, wherein the clearing rule is that there is a one-to-one correspondence between the fund register account name, fund register serial number and the designated account, the interbank customer's payment account number, the interbank customer's payment account name and the interbank customer's large-amount payment bank number, wherein the designated account is an internal account of a financial institution agreed with the interbank customer for receiving interbank customer deposits; Registering the transaction information corresponding to the incoming account message into the fund register, so that the interbank customer can conduct transactions based on the fund register; Determining the fund register corresponding to the incoming account message according to a predetermined clearing rule includes: Determine whether there is a stored funds register corresponding to the incoming account message according to a predetermined clearing rule; If it exists, the stored fund register is used as the fund register corresponding to the incoming account message; If it does not exist, create a fund registration book corresponding to the incoming message.

2. The method according to claim 1, characterized in that Also includes: When receiving a transaction request for the corresponding fund register from a peer customer, the transaction data corresponding to the transaction request is processed, and the processing result is registered in the fund register.

3. The method according to claim 1, characterized in that Also includes: When the due amount of the interbank customer is detected, query whether the due amount has been registered in the fund register; If registered, the due amount will be transferred back to the interbank customer through the designated account.

4. The method according to claim 1, characterized in that: Also includes: If the incoming account message does not satisfy the clearing rules, the incoming account corresponding to the incoming account message will be returned to the interbank customer through a designated account.

5. The method according to any one of claims 1 to 4, characterized in that Also includes: When it is detected that the relevant information of the interbank customer has changed, the corresponding information in the fund register is modified.

6. A transaction device, characterized in that: include: A fund register determination module is used to determine the fund register corresponding to the incoming message according to a predetermined clearing rule when receiving an incoming message from an interbank customer to a designated account, wherein the clearing rule is a one-to-one correspondence between the fund register account name, fund register serial number and the designated account, the interbank customer's payment account number, the interbank customer's payment account name and the interbank customer's large-amount payment bank number, wherein the designated account is an internal account of a financial institution agreed with the interbank customer for receiving interbank customer deposits; A transaction information registration module, used to register the transaction information corresponding to the incoming account message into the fund registration book, so that the interbank customer can conduct transactions based on the fund registration book; When the fund register determination module determines the fund register corresponding to the incoming account message according to a predetermined clearing rule, it is specifically used to: Determine whether there is a stored funds register corresponding to the incoming account message according to a predetermined clearing rule; If it exists, the stored fund register is used as the fund register corresponding to the incoming account message; If it does not exist, create a fund registration book corresponding to the incoming message.

7. An electronic device, characterized in that: including a processor and a memory; The memory is used to store operation instructions; The processor is used to execute the method according to any one of claims 1 to 5 by calling the operation instruction.

8. A computer-readable storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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