Transaction processing method, device and system

Abstract

The present application provides a transaction processing method, device and system, which relates to the field of financial technology. The method includes: sending a transaction request of a target transaction output by a terminal device to an edge cloud server in an edge cloud server cluster that is closest to the terminal device; determining whether the target transaction is a small-amount payment transaction according to the transaction request, whether the edge cloud server has a small-amount transaction authorization limit for the payer corresponding to the target transaction, and whether the small-amount transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, the edge cloud server is used to complete the target transaction. The present application can reduce the concurrency pressure of the transaction processing system, thereby improving the reliability of the transaction process.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a transaction processing method, device and system. Background Art

[0002] With the rapid development of the financial sector, the transaction volume of financial institutions is also increasing. At present, the data centers of banks and other financial institutions are deployed on the core network. Transaction requests need to enter the core network through the access network to interact with the data center. The communication delay during the transaction process is large and is easily affected by network fluctuations, which seriously damages the user experience. At the same time, during the peak period of payment request initiation, the concurrent pressure of the core transaction system will increase, and the maintenance cost of the server will increase. Summary of the invention

[0003] In response to the problems in the prior art, the present application proposes a transaction processing method, device and system, which can reduce the concurrency pressure of the transaction processing system and thus improve the reliability of the transaction process.

[0004] In order to solve the above technical problems, this application provides the following technical solutions:

[0005] In a first aspect, the present application provides a transaction processing method, comprising:

[0006] Sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device;

[0007] Determine whether the target transaction is a small-value payment transaction based on the transaction request, whether the edge cloud server has a small-value transaction authorization limit for the payer corresponding to the target transaction, and whether the small-value transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, use the edge cloud server to complete the target transaction.

[0008] Furthermore, after sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device, the method further includes:

[0009] Determine whether the target transaction is a small-amount payment transaction according to the transaction request, and whether the edge cloud server locally does not have a small-amount transaction authorization limit of the payer corresponding to the transaction request, and if so, receive an authorization limit request sent by the edge cloud server;

[0010] Obtaining a frozen authorization amount for the target transaction according to the authorization amount request;

[0011] Sending the frozen authorization amount to the edge cloud server;

[0012] If the frozen authorization amount is greater than or equal to the transaction amount, the edge cloud server is used to complete the target transaction.

[0013] Furthermore, after sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device, the method further includes:

[0014] Determine whether the target transaction is a small-amount payment transaction according to the transaction request, whether the edge cloud server has a small-amount transaction authorization limit of the payer corresponding to the transaction request, and whether the small-amount transaction authorization limit is less than the transaction amount of the transaction request, and if so, receive the authorization limit request sent by the edge cloud server;

[0015] Obtaining a frozen authorization amount for the target transaction according to the authorization amount request;

[0016] Sending the frozen authorization amount to the edge cloud server;

[0017] If the frozen authorization amount is greater than or equal to the transaction amount, the edge cloud server is used to complete the target transaction.

[0018] Furthermore, the transaction processing method further includes:

[0019] Regularly receive batch transaction information sent by the edge cloud server.

[0020] Furthermore, after sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device, the method further includes:

[0021] Determine whether the target transaction is a large-value payment transaction according to the transaction request, and if so, receive the large-value transaction request sent by the edge cloud server;

[0022] Obtaining the payer account balance corresponding to the large-value transaction request locally, and determining the available amount for the target transaction according to the large-value transaction request and the payer account balance;

[0023] If the available amount is greater than or equal to 0, the target transaction is completed.

[0024] Furthermore, before the application of the edge cloud server to complete the target transaction, the method further includes:

[0025] The edge cloud server is used to authenticate the identities of both parties of the target transaction, and the identity authentication method includes at least one of the three identity authentication methods: face recognition, fingerprint recognition and dynamic password.

[0026] In a second aspect, the present application provides a transaction processing device, comprising:

[0027] An acquisition module, used for sending a transaction request of a target transaction output by a terminal device to an edge cloud server in an edge cloud server cluster that is closest to the terminal device;

[0028] The application module is used to determine whether the target transaction is a small-value payment transaction based on the transaction request, whether the edge cloud server has a small-value transaction authorization limit for the payer corresponding to the target transaction, and whether the small-value transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, the edge cloud server is used to complete the target transaction.

[0029] In a third aspect, the present application provides a transaction processing system, comprising:

[0030] The transaction processing device and edge cloud server cluster;

[0031] Each edge cloud server in the edge cloud server cluster is respectively communicatively connected to the transaction processing device.

[0032] In a fourth aspect, the present application provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the transaction processing method when executing the program.

[0033] In a fifth aspect, the present application provides a computer-readable storage medium having computer instructions stored thereon, which implement the transaction processing method when the instructions are executed.

[0034] It can be seen from the above technical solution that the present application provides a transaction processing method, device and system. Among them, the method includes: sending the transaction request of the target transaction output by the terminal device to the edge cloud server closest to the terminal device in the edge cloud server cluster; determining whether the target transaction is a small payment transaction according to the transaction request, whether the small transaction authorization amount of the payer corresponding to the target transaction exists locally on the edge cloud server, and whether the small transaction authorization amount is greater than or equal to the transaction amount of the target transaction, and if so, applying the edge cloud server to complete the target transaction, which can reduce the concurrency pressure of the transaction processing system, and thus improve the reliability of the transaction process; low latency, while avoiding failures of the transaction processing system due to concurrency pressure and single-point load pressure, and reducing the degree of maintenance. BRIEF DESCRIPTION OF THE DRAWINGS

[0035] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0036] Figure 1 It is a flowchart of a transaction processing method in an embodiment of the present application;

[0037] Figure 2 is a flowchart of a transaction processing method in another embodiment of the present application;

[0038] Figure 3 It is a structural diagram of a transaction processing device in an embodiment of the present application;

[0039] Figure 4 It is a structural diagram of a transaction processing system in an application example of this application;

[0040] Figure 5 It is a flowchart of the small amount payment transaction processing process in the application example of this application;

[0041] Figure 6 It is a flowchart of steps 11 to 13 of the small-amount payment transaction processing process in the application example of this application;

[0042] Figure 7 It is a flowchart of steps 31 to 33 of the small-amount payment transaction processing process in the application example of this application;

[0043] Figure 8 It is a flowchart of the large-amount payment transaction processing process in the application example of this application;

[0044] Fig. 9 It is a flowchart of steps 021 to 026 in the application example of this application;

[0045] Fig.10 A schematic block diagram of the system structure of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0046] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this application will be clearly and completely described below in conjunction with the drawings in the embodiments of this application. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0047] With the development of mobile payments, more and more payments are completed by mobile terminals. At present, the data centers of banks and other financial institutions are deployed on the core network. The transaction requests of mobile terminals need to enter the core network through the access network to interact with the data center. The communication delay of the transaction process is relatively large and is easily affected by network fluctuations, which seriously damages the user experience. At the same time, during the peak period when mobile payment requests are initiated, high-concurrency transaction requests will increase the concurrency pressure of the core transaction system and increase the maintenance cost of the server. In response to the above-mentioned problems in the prior art, especially the current problems of mobile payments, this application considers starting from changing the existing transaction processing method, using mobile edge computing technology, and providing a transaction processing method, device and system based on mobile edge cloud computing, which can reduce the communication delay of the transaction process, reduce the impact of network fluctuations on transactions, and save the maintenance cost of financial institution servers.

[0048] Based on this, the embodiment of the present application provides a transaction processing device, which can be a server or a client device, and the client device can include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, and a smart wearable device, etc. Among them, the smart wearable device can include smart glasses, smart watches, and smart bracelets, etc.

[0049] In actual applications, the part of the transaction processing can be executed on the server side as described above, or all operations can be completed in the client device. The specific selection can be based on the processing capacity of the client device and the limitations of the user's usage scenario. This application does not limit this. If all operations are completed in the client device, the client device may also include a processor.

[0050] The client device may have a communication module (i.e., a communication unit) that can communicate with a remote server to achieve data transmission with the server. The server may include a server on the task scheduling center side, and other implementation scenarios may also include a server on an intermediate platform, such as a server on a third-party server platform that has a communication link with the task scheduling center server. The server may include a single computer device, or a server cluster consisting of multiple servers, or a server structure of a distributed device.

[0051] The server and the client device may communicate using any suitable network protocol, including network protocols that have not yet been developed on the date of filing this application. The network protocol may include, for example, TCP / IP protocol, UDP / IP protocol, HTTP protocol, HTTPS protocol, etc. Of course, the network protocol may also include, for example, RPC protocol (Remote Procedure Call Protocol) and REST protocol (Representational State Transfer) used on top of the above protocols.

[0052] It should be noted that the transaction processing method, device and system disclosed in the present application can be used in the field of financial technology, and can also be used in any field outside the field of financial technology. The application field of the transaction processing method, device and system disclosed in the present application is not limited.

[0053] The details are described through the following embodiments.

[0054] In order to reduce the concurrency pressure of the transaction processing system and thus improve the reliability of the transaction process, this embodiment provides a transaction processing method in which the execution subject is a transaction processing device, and the transaction processing device includes but is not limited to a server, such as Figure 1 As shown, the method specifically includes the following contents:

[0055] Step 100: Send the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device.

[0056] Specifically, the edge cloud server can receive a transaction request sent by a mobile terminal or a merchant payment terminal; the transaction request may include: transaction amount, payer ID and payee ID, the payer ID is used to distinguish different payers, such as the payer account number, etc., the payee ID is used to distinguish different payees, such as the payee account number, etc.; the edge cloud server can represent a mobile edge computing (MEC) server.

[0057] Step 200: Determine whether the target transaction is a small-value payment transaction based on the transaction request, whether the edge cloud server has a small-value transaction authorization limit for the payer corresponding to the target transaction, and whether the small-value transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, use the edge cloud server to complete the target transaction.

[0058] Specifically, it can be determined whether the transaction amount of the target transaction is less than or equal to the small-amount payment transaction threshold. If so, the target transaction is determined to be a small-amount payment transaction, otherwise it is a large-amount payment transaction.

[0059] Furthermore, after the target transaction is completed, the small transaction authorization limit may be updated to the difference between the current small transaction authorization limit and the transaction amount.

[0060] It can be seen from the above description that the transaction processing method provided in this embodiment can reduce the concurrency pressure of the transaction processing system, thereby improving the reliability of the transaction process; further, it also has the following advantages:

[0061] (1) Low latency: Since computing resources and storage resources are deployed at the edge of the mobile network, the edge cloud server is physically closer to the user and can quickly interact with the mobile user and respond to the mobile user's request. Therefore, MEC can reduce the interaction latency between the server and the mobile user.

[0062] (2) Reduce the traffic pressure on the transmission network and core network, and reduce the impact of network fluctuations on the business: Some functions of the transaction processing device can be deployed on the edge cloud server, thereby reducing the number of interactions with the transaction processing device and reducing the impact of network fluctuations on related businesses.

[0063] (3) Load pressure and concurrency pressure on transaction processing devices: Since edge cloud servers have certain computing and storage resources, they can directly process some business needs without transmitting business data to transaction processing devices through the core network, thereby reducing the load pressure and concurrency pressure on transaction processing devices.

[0064] In order to improve the reliability of the transaction, in one embodiment of the present application, after step 100, the following steps are further included:

[0065] Step 301: Determine whether the target transaction is a small-amount payment transaction based on the transaction request, and whether the edge cloud server locally does not have the small-amount transaction authorization limit of the payer corresponding to the transaction request. If so, receive the authorization limit request sent by the edge cloud server.

[0066] Specifically, the authorization limit request may include: a payer identification.

[0067] Step 302: Obtain the frozen authorization limit of the target transaction according to the authorization limit request.

[0068] Specifically, the transaction processing device may store a freezing quota agreement and account information, the agreement includes: the correspondence between the agreement number and the freezing authorization limit, and the specific value may be set according to actual needs; the account information may include: account identification, account balance (or credit limit) and agreement number; the account balance (or credit limit) and agreement number of the payer corresponding to the target transaction may be obtained from the account information according to the payer identification in the authorization limit request, and the freezing authorization limit corresponding to the target transaction may be determined according to the agreement number and the freezing quota agreement. It may be further determined whether the freezing authorization limit is less than or equal to the account balance (or credit limit), and if so, the freezing authorization limit of the target transaction is determined, otherwise the transaction fails.

[0069] Step 303: Send the frozen authorization amount to the edge cloud server.

[0070] Step 304: If the frozen authorization amount is greater than or equal to the transaction amount, the edge cloud server is used to complete the target transaction.

[0071] Furthermore, after the target transaction is completed, the difference between the frozen authorization amount and the transaction amount can be used as the small transaction authorization amount of the payer of the target transaction and stored in the edge cloud server. If the edge cloud server determines that the frozen authorization amount is less than the transaction amount, it determines that the target transaction has failed.

[0072] From the above description, it can be seen that the transaction processing method provided in this embodiment can ensure that when the small transaction authorization amount of the payer corresponding to the transaction request does not exist locally on the edge cloud server, the small payment transaction is completed in the local edge cloud server, which can reduce the impact of backbone network fluctuations on small payments, has low latency, and can improve user experience.

[0073] In one embodiment of the present application, after step 100, the following steps are further included:

[0074] Step 401: Determine whether the target transaction is a small-value payment transaction based on the transaction request, whether the edge cloud server has a small-value transaction authorization limit for the payer corresponding to the transaction request, and whether the small-value transaction authorization limit is less than the transaction amount of the transaction request. If so, receive the authorization limit request sent by the edge cloud server.

[0075] Step 402: Obtain the frozen authorization limit of the target transaction according to the authorization limit request.

[0076] Step 403: Send the frozen authorization amount to the edge cloud server.

[0077] Step 404: If the frozen authorization amount is greater than or equal to the transaction amount, the edge cloud server is used to complete the target transaction.

[0078] Furthermore, after the target transaction is completed, the small transaction authorization limit may be updated to: the difference between the frozen authorization limit and the transaction amount.

[0079] From the above description, it can be seen that the transaction processing method provided in this embodiment can ensure that when the small transaction authorization amount of the payer corresponding to the transaction request locally on the edge cloud server is less than the transaction amount, the small payment transaction is completed in the local edge cloud server, which can reduce the impact of backbone network fluctuations on small payments, reduce the data transmission pressure during the transaction, has low latency, and can improve user experience.

[0080] In one embodiment of the present application, after any one of step 200, step 303 and step 403, the method further includes:

[0081] Regularly receive batch transaction information sent by the edge cloud server.

[0082] Specifically, batch transaction information may include: the payer identification, payee identification and transaction amount of each completed transaction in the batch. During a period of time with less concurrent transactions (such as at night), the edge cloud server can interact with the transaction processing device in batches for the completed proxy transactions, upload the batch transaction information to the transaction processing device, complete the transaction entry, and improve the reliability of account processing.

[0083] In one embodiment of the present application, see Figure 2 , after step 100, further comprising:

[0084] Step 501: Determine whether the target transaction is a large-value payment transaction according to the transaction request, and if so, receive the large-value transaction request sent by the edge cloud server.

[0085] Specifically, the large-value transaction request includes: the transaction amount of the target transaction, the small-value transaction authorization limit, the payer identification and the payee identification, etc.

[0086] Step 502: Obtain the payer account balance corresponding to the large-value transaction request locally, and determine the available amount of the target transaction based on the large-value transaction request and the payer account balance.

[0087] Specifically, the payer account balance can be obtained locally from the transaction processing device according to the payer identifier of the target transaction; the available amount = payer account balance + small transaction authorization limit - transaction amount; the payer account balance can indicate the remaining available amount or credit limit in the payer account, and the transaction amount can indicate the payment amount of this transaction.

[0088] Step 503: If the available amount is greater than or equal to 0, the target transaction is completed.

[0089] Furthermore, after completing the target transaction, the small transaction authorization limit can be updated to: the difference between the current small transaction authorization limit and the transaction amount, and the small transaction authorization limit is stored in the edge cloud server; if the available amount is less than 0, the transaction failure information is returned to the edge cloud server.

[0090] It can be seen from the above description that the transaction processing method provided in this embodiment can ensure the reliability of large-value payment transactions on the basis of completing small-value payment transactions on the edge cloud server.

[0091] In order to further improve the reliability of the transaction, in one embodiment of the present application, before the application of the edge cloud server to complete the target transaction in step 200, the following steps are further included:

[0092] Step 001: Use the edge cloud server to authenticate the identities of both parties of the target transaction, where the identity authentication method includes at least one of the three identity authentication methods: face recognition, fingerprint recognition, and dynamic password.

[0093] Specifically, before receiving the large-value transaction request sent by the edge cloud server as described in step 501, it also includes: using the edge cloud server to authenticate the identities of both parties to the target transaction, so that part of the large-value payment function can be completed on the edge cloud server, which can reduce the load pressure and concurrency pressure of the transaction processing device and the maintenance cost of the transaction processing device.

[0094] From the software level, in order to reduce the concurrency pressure of the transaction processing system and thus improve the reliability of the transaction process, the present application provides an embodiment of a transaction processing device for implementing all or part of the content of the transaction processing method, see Figure 3 , the transaction processing device specifically includes the following contents:

[0095] The acquisition module 1 is used to send the transaction request of the target transaction output by the terminal device to the edge cloud server closest to the terminal device in the edge cloud server cluster.

[0096] Application module 2 is used to determine whether the target transaction is a small-value payment transaction based on the transaction request, whether the edge cloud server has a small-value transaction authorization limit for the payer corresponding to the target transaction, and whether the small-value transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, the edge cloud server is used to complete the target transaction.

[0097] The embodiment of the transaction processing device provided in this specification can be specifically used to execute the processing flow of the embodiment of the above-mentioned transaction processing method. Its functions will not be repeated here, and reference can be made to the detailed description of the embodiment of the above-mentioned transaction processing method.

[0098] The present solution also provides an embodiment of a transaction processing system, which includes: a transaction processing device and an edge cloud server cluster; each edge cloud server in the edge cloud server cluster is respectively communicatively connected to the transaction processing device.

[0099] It can be understood that the transaction processing device can be the core transaction system of a financial institution.

[0100] To further illustrate the present solution, the present application also provides a transaction processing system that can be used to implement mobile quick payment, such as Figure 4 As shown, the system includes: a transaction information access module 01, a transaction local processing module 02 and a transaction remote processing module 03, wherein the function implemented by the transaction local processing module 02 may be equivalent to the function implemented by the above-mentioned edge cloud server, and the function implemented by the transaction remote processing module 03 may be equivalent to the function implemented by the above-mentioned transaction processing device, which is specifically described as follows:

[0101] The transaction information access module consists of a mobile terminal and a merchant payment terminal, both of which can achieve network access through common WiFi and mobile networks. The merchant payment terminal is integrated with a variety of information collection devices, including but not limited to biometric information collection devices such as face and fingerprint and QR code scanning devices.

[0102] The transaction local processing module, which consists of a base station deployed with an edge cloud server, is responsible for the non-core functional parts of real-time and synchronous processing of small-value payment requests and large-value payment requests.

[0103] The transaction remote processing module is composed of a financial institution server, which can be configured with a core transaction system and a data center. It is responsible for the core functional part of real-time synchronous processing of large-value payments and asynchronous batch accounting of small-value payment transactions completed by the edge cloud server.

[0104] Among them, non-core functions of small-value payment and large-value payment are completed on the edge cloud server side, which can reduce the concurrency pressure and load pressure of the financial institution's server and save the maintenance cost of the financial institution's server. Small-value payment is completed on the local edge cloud server, which can ensure that small-value payment is not affected by backbone network fluctuations and completed with low latency, thereby improving user experience; non-core functions such as identity authentication and SMS sending in large-value payment are completed on the edge cloud server, which can reduce the load pressure of the financial institution's server.

[0105] The transaction types of this transaction processing system can be divided into small-value payment and large-value payment transactions, and the specific classification rules are independently divided by the business departments of financial institutions.

[0106] To further illustrate the present solution, in combination with the above transaction processing system, the present application provides an application example of a transaction processing method, including:

[0107] 1. Small amount payment

[0108] like Figure 5 As shown, the small payment transaction processing process includes: step 10: small payment pre-authorization; step 20: transaction information verification; step 30: transaction local processing; step 40: transaction information push; step 50: transaction remote batch entry, which is described in detail as follows:

[0109] See also Figure 6 , step 10 comprises:

[0110] Step 11: When the mobile terminal or the merchant payment terminal initiates a small payment request to the edge cloud server, the edge cloud server queries the local cache to see whether there is a small transaction authorization limit for the payer. If yes, execute step 12; otherwise, execute step 13.

[0111] Step 12: The edge cloud server determines whether the payer's small transaction authorization limit is greater than or equal to the transaction amount. If so, execute step 20; otherwise, execute step S13.

[0112] Step 13: The edge cloud server initiates an authorization limit request to the financial institution. After receiving the request, the financial institution will freeze part of the amount on the payer's debit card or part of the credit limit on the credit card according to the customized agreement, and authorize the frozen amount to the edge cloud server as the frozen authorization limit, and use the frozen amount as the payer's updated small transaction authorization limit; if the application fails, the payment fails.

[0113] Step 20 includes: when making a small payment, verifying the identities of both parties to the transaction. This is done by a verification program deployed by the financial institution on the edge cloud server, including multiple verification methods such as face recognition, fingerprint recognition, and dynamic passwords.

[0114] See also Figure 7 , step 30 comprises:

[0115] Step 31: Determine whether the transaction amount A of this transaction is less than or equal to the small transaction authorization limit D; that is, the updated small transaction authorization limit can be used as the remaining small transaction authorization limit D of the payer, and compare A and D. If D≥A, execute step 32, otherwise execute step 33.

[0116] Step 32: Update the small transaction authorization limit to DA and complete the payment transaction; that is, the edge cloud server deducts the transaction amount A (ie, D1 = DA) based on the payer's remaining small transaction authorization limit D and completes the payment on behalf of the payer.

[0117] Step 33: Transaction rejection; that is, the edge cloud server re-initiates an authorization request to the financial institution. If the request fails, the payment fails.

[0118] Step 40 includes: after the edge cloud server completes the payment transaction, the transaction information is pushed to the transaction parties via SMS and email.

[0119] Step 50 includes: during a period of time when the transaction volume is less concurrent (such as at night), the edge cloud server interacts with the data center of the financial institution in batches to complete the proxy transactions, upload the transaction information to the data center, and complete the transaction entry.

[0120] (II) Large Amount Payment

[0121] like Figure 8 As shown, the large-amount payment transaction processing process includes: step 001: transaction information verification; step 002: transaction remote processing; step 003: transaction information push; the specific description is as follows:

[0122] Step 001 includes: in case of large-value payments, the identity authentication of the transaction is completed by the verification program deployed by the financial institution on the edge cloud server, including multiple verification methods such as face recognition, fingerprint recognition and dynamic password.

[0123] See also Fig. 9 , step 002 comprises:

[0124] Step 021: The edge cloud server freezes the payer's small transaction authorization limit and uploads the verification information of both parties to the transaction, the small transaction authorization limit, the transaction amount and other information to the core transaction system of the financial institution.

[0125] Step 022: The core transaction system of the financial institution obtains the available amount N; the available amount N = the remaining available amount or credit limit in the payer's account + the small transaction authorization limit - the transaction amount.

[0126] Step 023: The core transaction system of the financial institution determines whether the available amount N is greater than or equal to 0. If so, it proceeds to step 024, otherwise it executes step 026: returns transaction failure information; that is, returns relevant information of transaction failure to the edge cloud server.

[0127] Step 024: Complete the payment transaction, that is, the core transaction system of the financial institution completes the payment transaction according to the business process and returns relevant information about the successful transaction to the edge cloud server.

[0128] Step 025: Return transaction success information; that is, transaction information push. After receiving the transaction information, the edge cloud server pushes the information to both parties of the transaction through relevant channels, and unfreezes and updates the small transaction authorization amount based on the transaction information.

[0129] From the above description, it can be seen that the transaction processing method, device and system provided by the present application can reduce the concurrency pressure of the transaction processing system, thereby improving the reliability of the transaction process; low latency, and at the same time can avoid failures of the transaction processing system due to concurrency pressure and single-point load pressure, thereby reducing the degree of maintenance.

[0130] From the hardware level, in order to reduce the concurrency pressure of the transaction processing system and thus improve the reliability of the transaction process, the present application provides an embodiment of an electronic device for implementing all or part of the content of the transaction processing method. The electronic device specifically includes the following content:

[0131] Processor, memory, communication interface and bus; wherein the processor, memory and communication interface communicate with each other through the bus; the communication interface is used to realize information transmission between the transaction processing device and related devices such as user terminals; the electronic device can be a desktop computer, a tablet computer and a mobile terminal, etc., but the present embodiment is not limited thereto. In the present embodiment, the electronic device can be implemented with reference to the embodiment for realizing the transaction processing method and the embodiment for realizing the transaction processing device, and the contents thereof are incorporated herein, and the repeated parts are not repeated.

[0132] Fig.10 FIG. 9 is a schematic block diagram of the system structure of the electronic device 9600 according to an embodiment of the present application. Fig.10 As shown, the electronic device 9600 may include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. It is worth noting that Fig.10 is exemplary; other types of structures may also be used to supplement or replace this structure to implement telecommunication functions or other functions.

[0133] In one or more embodiments of the present application, the transaction processing function may be integrated into the central processor 9100. The central processor 9100 may be configured to perform the following control:

[0134] Step 100: Send the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device.

[0135] Step 200: Determine whether the target transaction is a small-value payment transaction based on the transaction request, whether the edge cloud server has a small-value transaction authorization limit for the payer corresponding to the target transaction, and whether the small-value transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, use the edge cloud server to complete the target transaction.

[0136] It can be seen from the above description that the electronic device provided by the embodiments of the present application can reduce the concurrency pressure of the transaction processing system, thereby improving the reliability of the transaction process.

[0137] In another embodiment, the transaction processing device may be configured separately from the central processing unit 9100. For example, the transaction processing device may be configured as a chip connected to the central processing unit 9100, and the transaction processing function may be implemented under the control of the central processing unit.

[0138] like Fig.10 As shown, the electronic device 9600 may also include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is worth noting that the electronic device 9600 does not necessarily have to include Fig.10 In addition, the electronic device 9600 may also include Fig.10 For components not shown, reference may be made to the prior art.

[0139] like Fig.10 As shown, the central processing unit 9100 is sometimes also referred to as a controller or an operation control, and may include a microprocessor or other processor device and / or logic device. The central processing unit 9100 receives input and controls the operation of various components of the electronic device 9600.

[0140] The memory 9140 may be, for example, one or more of a cache, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices. The above-mentioned information related to the failure may be stored, and a program for executing the relevant information may also be stored. The CPU 9100 may execute the program stored in the memory 9140 to implement information storage or processing, etc.

[0141] The input unit 9120 provides input to the central processing unit 9100. The input unit 9120 is, for example, a key or a touch input device. The power supply 9170 is used to provide power to the electronic device 9600. The display 9160 is used to display display objects such as images and texts. The display may be, for example, an LCD display, but is not limited thereto.

[0142] The memory 9140 may be a solid-state memory, such as a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It may also be a memory that saves information even when the power is off, can be selectively erased, and is provided with more data, examples of which are sometimes referred to as EPROMs, etc. The memory 9140 may also be some other type of device. The memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application / function storage unit 9142, which is used to store application programs and function programs or processes for executing the operation of the electronic device 9600 through the central processor 9100.

[0143] The memory 9140 may also include a data storage unit 9143 for storing data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 9144 of the memory 9140 may include various drivers for communication functions of the electronic device and / or for executing other functions of the electronic device (such as messaging applications, address book applications, etc.).

[0144] The communication module 9110 is a transmitter / receiver that sends and receives signals via the antenna 9111. The communication module (transmitter / receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as the case of a conventional mobile communication terminal.

[0145] Based on different communication technologies, multiple communication modules 9110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module, etc. The communication module (transmitter / receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide an audio output via the speaker 9131 and receive an audio input from the microphone 9132, thereby realizing a common telecommunication function. The audio processor 9130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 9130 is also coupled to the central processor 9100, so that recording can be performed on the local machine through the microphone 9132, and the sound stored on the local machine can be played through the speaker 9131.

[0146] It can be seen from the above description that the electronic device provided by the embodiments of the present application can reduce the concurrency pressure of the transaction processing system, thereby improving the reliability of the transaction process.

[0147] The embodiments of the present application also provide a computer-readable storage medium capable of implementing all the steps in the transaction processing method in the above embodiments. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, all the steps in the transaction processing method in the above embodiments are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0148] Step 100: Send the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device.

[0149] Step 200: Determine whether the target transaction is a small-value payment transaction based on the transaction request, whether the edge cloud server has a small-value transaction authorization limit for the payer corresponding to the target transaction, and whether the small-value transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, use the edge cloud server to complete the target transaction.

[0150] It can be seen from the above description that the computer-readable storage medium provided in the embodiments of the present application can reduce the concurrency pressure of the transaction processing system, thereby improving the reliability of the transaction process.

[0151] In this application, each embodiment of the above method is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For relevant parts, refer to the partial description of the method embodiment.

[0152] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0153] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0154] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0155] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0156] Specific embodiments are used in this application to illustrate the principles and implementation methods of this application. The description of the above embodiments is only used to help understand the method and core idea of ​​this application. At the same time, for those skilled in the art, according to the idea of ​​this application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on this application.

Claims

1. A transaction processing method, characterized in that: include: Sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device; Determine whether the target transaction is a small-amount payment transaction according to the transaction request, whether the edge cloud server has a small-amount transaction authorization limit for the payer corresponding to the target transaction locally, and whether the small-amount transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, use the edge cloud server to complete the target transaction, and update the small-amount transaction authorization limit to the difference between the current small-amount transaction authorization limit and the transaction amount; After sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device, the method further includes: Determine whether the target transaction is a small-amount payment transaction according to the transaction request, and whether the edge cloud server locally does not have a small-amount transaction authorization limit of the payer corresponding to the transaction request, and if so, receive an authorization limit request sent by the edge cloud server; Obtaining the frozen authorization limit of the target transaction according to the authorization limit request, including: obtaining the account balance and the agreement number of the payer corresponding to the target transaction from the account information according to the payer identifier in the authorization limit request, and determining the frozen authorization limit corresponding to the target transaction according to the agreement number and the frozen quota agreement, wherein the frozen quota agreement includes: a corresponding relationship between the agreement number and the frozen authorization limit; Sending the frozen authorization amount to the edge cloud server; If the frozen authorization amount is greater than or equal to the transaction amount, the edge cloud server is used to complete the target transaction; After sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device, the method further includes: Determine whether the target transaction is a large-value payment transaction according to the transaction request, and if so, receive the large-value transaction request sent by the edge cloud server; Obtaining the payer account balance corresponding to the large-value transaction request locally, and determining the available amount for the target transaction according to the large-value transaction request and the payer account balance; If the available amount is greater than or equal to 0, the target transaction is completed; Before the application of the edge cloud server to complete the target transaction, the method further includes: The edge cloud server is used to authenticate the identities of both parties of the target transaction, and the identity authentication method includes at least one of the three identity authentication methods: face recognition, fingerprint recognition and dynamic password.

2. The transaction processing method according to claim 1, characterized in that: After sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device, the method further includes: Determine whether the target transaction is a small-amount payment transaction according to the transaction request, whether the edge cloud server has a small-amount transaction authorization limit of the payer corresponding to the transaction request, and whether the small-amount transaction authorization limit is less than the transaction amount of the transaction request, and if so, receive the authorization limit request sent by the edge cloud server; Obtaining a frozen authorization amount for the target transaction according to the authorization amount request; Sending the frozen authorization amount to the edge cloud server; If the frozen authorization amount is greater than or equal to the transaction amount, the edge cloud server is used to complete the target transaction.

3. The transaction processing method according to claim 1 or 2, characterized in that: Also includes: Regularly receive batch transaction information sent by the edge cloud server.

4. A transaction processing device, characterized in that: include: An acquisition module, used for sending a transaction request of a target transaction output by a terminal device to an edge cloud server in an edge cloud server cluster that is closest to the terminal device; An application module is used to determine whether the target transaction is a small-amount payment transaction according to the transaction request, whether the edge cloud server has a small-amount transaction authorization limit of the payer corresponding to the target transaction locally, and whether the small-amount transaction authorization limit is greater than or equal to the transaction amount of the target transaction. If so, the edge cloud server is used to complete the target transaction, and the small-amount transaction authorization limit is updated to the difference between the current small-amount transaction authorization limit and the transaction amount; The transaction processing device is further used for: Determine whether the target transaction is a small-amount payment transaction according to the transaction request, and whether the edge cloud server locally does not have a small-amount transaction authorization limit of the payer corresponding to the transaction request, and if so, receive an authorization limit request sent by the edge cloud server; Obtaining the frozen authorization limit of the target transaction according to the authorization limit request, including: obtaining the account balance and the agreement number of the payer corresponding to the target transaction from the account information according to the payer identifier in the authorization limit request, and determining the frozen authorization limit corresponding to the target transaction according to the agreement number and the frozen quota agreement, wherein the frozen quota agreement includes: a corresponding relationship between the agreement number and the frozen authorization limit; Sending the frozen authorization amount to the edge cloud server; If the frozen authorization amount is greater than or equal to the transaction amount, the edge cloud server is used to complete the target transaction; After sending the transaction request of the target transaction output by the terminal device to the edge cloud server in the edge cloud server cluster that is closest to the terminal device, the method further includes: Determine whether the target transaction is a large-value payment transaction according to the transaction request, and if so, receive the large-value transaction request sent by the edge cloud server; Obtaining the payer account balance corresponding to the large-value transaction request locally, and determining the available amount for the target transaction according to the large-value transaction request and the payer account balance; If the available amount is greater than or equal to 0, the target transaction is completed; Before the application of the edge cloud server to complete the target transaction, the method further includes: The edge cloud server is used to authenticate the identities of both parties of the target transaction, and the identity authentication method includes at least one of the three identity authentication methods: face recognition, fingerprint recognition and dynamic password.

5. A transaction processing system, characterized in that: include: The transaction processing device and edge cloud server cluster as described in claim 4; Each edge cloud server in the edge cloud server cluster is respectively communicatively connected to the transaction processing device.

6. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the transaction processing method according to any one of claims 1 to 3 is implemented.

7. A computer-readable storage medium having computer instructions stored thereon, characterized in that: When the instruction is executed, the transaction processing method described in any one of claims 1 to 3 is implemented.

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