Transaction processing method and apparatus, computer device, and computer-readable storage medium

Abstract

The application discloses a transaction processing method and device, computer equipment and a computer readable storage medium, and relates to the technical field of financial transactions. The method comprises the following steps: receiving transaction information generated by a consumption terminal through asynchronous messages; the transaction direction of the transaction information is positive transaction; the transaction information is matched with a preferential rule which is pre-configured in the consumption terminal and can be maintained in real time, and preferential account information is generated when the matching is successful; the preferential account information is credited according to the preferential account information, and a transaction report corresponding to the preferential account information is generated. The application realizes preferential cash return through asynchronous messages, is decoupled from the transaction processing process, and can improve the real-time performance of preferential cash return; meanwhile, the preferential rule is pre-configured in the consumption terminal, real-time maintenance is supported, and the flexibility of preferential cash return can be improved.

Description

Technical Field

[0001] This invention relates to the field of financial transaction technology, and in particular to transaction processing methods and apparatus, computer equipment and computer-readable storage media. Background Technology

[0002] This section is intended to provide background or context for the embodiments of the invention set forth in the claims. The description herein is not an admission that it is prior art simply because it is included in this section.

[0003] In today's market environment, consumers are the guarantee of a company's competitiveness. Generally speaking, the process of consumption is the process of spending. To win a more stable consumer market, certain consumption can be rewarded to stimulate market enthusiasm, maintain loyalty, and at the same time ensure a better customer consumption experience.

[0004] Credit card spending authorization primarily handles all functions related to process control and risk management. Specific business scenarios include spending, cash withdrawal, repayment, and transfers. The issuing bank determines a credit limit based on the cardholder's overall situation. Cardholders can use this limit for purchases or cash withdrawals. The available credit decreases with each transaction and is restored with each repayment. Cashback primarily relies on participating merchants. The rewards module identifies merchants for whom marketing activities are to be activated, along with related marketing information. It then configures a marketing template for the merchant, creating a personalized marketing plan (activity scenarios, time parameters, spending and frequency limits, and discount parameters). When customers make purchases at these merchants, the pre-set marketing plan is triggered, allowing them to enjoy corresponding discounts.

[0005] Currently, credit card authorization, transaction, and settlement cashback rules only meet the needs of ordinary card users. Furthermore, these rules are largely deployed on the merchant side, resulting in excessively long reward periods, a lack of real-time strategies and promotional functions, and an inability to directly perceive card usage benefits. Even on the client side, these rules can impact normal authorization and transaction times, failing to fully guarantee customer experience and making it difficult to handle large-scale, high-concurrency customer scenarios.

[0006] Current cashback methods are mostly merchant-centric, not directly linked to customer spending. Whether a customer receives a discount depends entirely on whether the merchant configures the promotion, offering little autonomy to the customer. In other words, existing transaction discount rules are largely deployed on the merchant side, lacking flexibility and real-time effectiveness on the client side, limiting customer experience to the degree of merchant cooperation. Furthermore, cashback and spending authorization are independent; cashback for the same transaction requires end-of-day processing, resulting in a lack of intuitive real-time customer experience. Customers cannot receive discounts in near real-time after using their cards; they must wait for both the card issuance component and the customer feedback component to complete end-of-day processing before feeling the discount, leading to an excessively long feedback timeframe and an unremarkable effect.

[0007] Therefore, existing transactions suffer from poor timeliness and flexibility in terms of discount rebates. Summary of the Invention

[0008] This invention provides a transaction processing method to improve the real-time nature and flexibility of cashback offers during transactions. The transaction processing method includes:

[0009] Transaction information generated by the consumer terminal is received asynchronously; the transaction direction of the transaction information is a positive transaction.

[0010] The transaction information is matched with the discount rules that are pre-configured in the consumer terminal and can be maintained in real time. When the match is successful, discount credit information is generated.

[0011] Based on the discount receipt information, the discount receipt information is recorded and a corresponding transaction report is generated.

[0012] This invention also provides a transaction processing apparatus to improve the real-time performance and flexibility of cashback offers during transactions. The transaction processing apparatus includes:

[0013] The asynchronous message receiving module is used to receive transaction information generated by the consumer terminal via asynchronous messages; the transaction direction of the transaction information is a positive transaction.

[0014] The discount rule matching module is used to match transaction information with discount rules that are pre-configured in the consumer terminal and can be maintained in real time, and generate discount credit information when the match is successful.

[0015] The transaction posting module is used to post discount posting information based on discount posting information and generate corresponding transaction reports.

[0016] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the above-described transaction processing method.

[0017] This invention also provides a computer-readable storage medium storing a computer program that performs the above-described transaction processing method.

[0018] In this embodiment of the invention, transaction information generated by a consumer terminal is received asynchronously; the transaction direction of the transaction information is a forward transaction; the transaction information is matched with pre-configured, real-time maintainable discount rules within the consumer terminal, and discount crediting information is generated upon successful matching; the discount crediting information is credited according to the discount crediting information, and a transaction report corresponding to the discount crediting information is generated. This embodiment of the invention achieves discount cashback through asynchronous messaging, decoupling it from the transaction processing process and improving the real-time performance of discount cashback; simultaneously, pre-configuring discount rules within the consumer terminal supports real-time maintenance, improving the flexibility of discount cashback. Attached Figure Description

[0019] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. In the drawings:

[0020] Figure 1 A flowchart illustrating the implementation of the transaction processing method provided in this embodiment of the invention;

[0021] Figure 2 This is another implementation flowchart of the transaction processing method provided in the embodiments of the present invention;

[0022] Figure 3 This is a flowchart illustrating the implementation of step 102 in the transaction processing method provided in this embodiment of the invention.

[0023] Figure 4 A flowchart illustrating another implementation of the transaction processing method provided in this embodiment of the invention;

[0024] Figure 5 This is another implementation flowchart of the transaction processing method provided in the embodiments of the present invention;

[0025] Figure 6 A functional block diagram of a transaction processing device provided in an embodiment of the present invention;

[0026] Figure 7 This is another functional module diagram of the transaction processing apparatus provided in an embodiment of the present invention;

[0027] Figure 8 This is a structural block diagram of the preferential rule matching module 602 in the transaction processing device provided in an embodiment of the present invention;

[0028] Figure 9 This is another functional module diagram of the transaction processing apparatus provided in the embodiments of the present invention;

[0029] Figure 10 This is another functional module diagram of the transaction processing device provided in an embodiment of the present invention. Detailed Implementation

[0030] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0031] Figure 1 The implementation flow of the transaction processing method provided by the embodiments of the present invention is illustrated. For ease of description, only the parts related to the embodiments of the present invention are shown, and are detailed below:

[0032] like Figure 1 As shown, the transaction processing method includes:

[0033] Step 101: Receive transaction information generated by the consumer terminal via asynchronous message; the transaction direction of the transaction information is a positive transaction.

[0034] Step 102: Match the transaction information with the pre-configured discount rules that can be maintained in real time within the consumer terminal, and generate discount credit information when the match is successful;

[0035] Step 103: Record the discount information based on the discount recording information and generate the corresponding transaction report.

[0036] When determining the discount payment information based on transaction information, an asynchronous message mechanism is used to receive transaction information generated by the consumer terminal. This transaction information includes transaction elements and transaction direction. Transaction elements include customer information, transaction account information, transaction time, etc. Those skilled in the art will understand that the above-mentioned transaction elements may also include other transaction elements besides those mentioned above, such as transaction amount, transaction institution, etc. This embodiment of the invention does not impose any particular limitations on this. Furthermore, in this embodiment of the invention, the transaction direction of this transaction information is a forward transaction.

[0037] By receiving transaction information through an asynchronous message mechanism, it can be coupled with the transaction information during consumption authorization. Without affecting the transaction information during consumption authorization, the transaction processing (cashback) process provided in this embodiment of the invention can be directly associated with the user's specific consumption scenario, reducing the problem of excessively long discount feedback time radius, so as to provide real-time feedback on the discount crediting information of customer transaction information and improve the real-time performance of discount cashback during transaction processing.

[0038] After receiving transaction information via asynchronous messaging, the transaction information is matched against the discount rules within the consumer terminal. These discount rules are pre-configured within the consumer terminal and can be maintained in real-time. For example, various parameters in the configured discount rules (such as discount rule restrictions, transaction account parameters, and discount activity status) can be modified in real time. The discount rule may also include one or more other discount rules. When a discount rule match is successful, discount credit information is generated so that the user can use this credit information.

[0039] Finally, after successfully matching and generating the discount posting information, the discount posting information is recorded based on this information, and a transaction report corresponding to the discount posting information is generated.

[0040] In this embodiment of the invention, transaction information generated by a consumer terminal is received asynchronously; the transaction direction of the transaction information is a forward transaction; the transaction information is matched with pre-configured, real-time maintainable discount rules within the consumer terminal, and discount crediting information is generated upon successful matching; the discount crediting information is credited according to the discount crediting information, and a transaction report corresponding to the discount crediting information is generated. This embodiment of the invention implements discount cashback through asynchronous messaging, decoupling it from the transaction processing process and improving the real-time performance of discount cashback; at the same time, pre-configuring discount rules within the consumer terminal supports real-time maintenance, improving the flexibility of discount cashback.

[0041] Figure 2 Another implementation flow of the transaction processing method provided in the embodiment of the present invention is shown. For ease of description, only the parts related to the embodiment of the present invention are shown, and are detailed below:

[0042] In one embodiment of the present invention, in order to improve the flexibility of preferential rule configuration, such as Figure 2 As shown above, in the above Figure 1 Based on the steps shown, the transaction processing method also includes:

[0043] Step 201: Configure the discount rules in the consumer terminal according to the received rule configuration instructions.

[0044] When configuring discount rules within a consumer terminal, these rules can be configured based on received rule configuration instructions. Furthermore, the configured discount rules can be modified based on received modification instructions to enhance the flexibility of the configuration. For example, the number of discount rules or their parameters can be modified. Modifications may include adding or deleting discount rules, adjusting or replacing discount rule parameters, and so on.

[0045] In this embodiment of the invention, configuring the discount rules within the consumer terminal according to the received rule configuration instructions can improve the flexibility of discount rule configuration.

[0046] Figure 3 The implementation flow of step 102 in the transaction processing method provided by the embodiment of the present invention is shown. For ease of description, only the parts related to the embodiment of the present invention are shown, and are described in detail below:

[0047] In one embodiment of the present invention, the discount rules include limits on the amount and frequency of discount activities at the customer level, and / or limits on the amount and frequency of transactions corresponding to the transaction account, and / or limits on the amount and frequency of transactions to the card organization to which the transaction account belongs. To improve the accuracy of discount rule matching, such as... Figure 3 As shown, in step 102, the transaction information is matched with the pre-configured, real-time maintainable discount rules within the consumer terminal. Upon successful matching, discount payment information is generated, including:

[0048] Step 301: Match the transaction information with the limits and times of customer-level promotional activities in the promotional rules; generate promotional payment information when the limits and times of customer-level promotional activities are successfully matched; and / or

[0049] Step 302: Match the transaction information with the transaction limits and frequency restrictions of the corresponding transaction account in the discount rules; generate discount credit information when the transaction limits and frequency restrictions of the corresponding transaction account are successfully matched; and / or

[0050] Step 303: Match the transaction information with the spending limits and usage limits of the card organization to which the transaction account belongs in the preferential rules. Generate preferential credit information when the spending limits and usage limits of the card organization to which the transaction account belongs are successfully matched.

[0051] When matching transaction information with preferential rules, the preferential rules include at least one or more of the following: limits on the amount and frequency of customer-level preferential activities, limits on the amount and frequency of the transaction account corresponding to the transaction information, and limits on the amount and frequency of the card organization to which the transaction account belongs. Those skilled in the art will understand that preferential rules may also include other preferential rules besides those mentioned above, such as time restrictions on transactions for customer-level preferential activities, etc., and this embodiment of the invention does not impose any particular limitations on this.

[0052] Specifically, when the discount rules only include the limit on the amount and number of times of customer-level discount activities, the transaction information is matched with the limit on the amount and number of times of customer-level discount activities in the discount rules. When the limit on the amount and number of times of customer-level discount activities is successfully matched, the discount payment information can be generated.

[0053] When the discount rules only include the transaction limit and number of transactions for the corresponding transaction account, the transaction information will be matched with the transaction limit and number of transactions for the corresponding transaction account in the discount rules. When the transaction limit and number of transactions for the corresponding transaction account are successfully matched, the discount credit information will be generated.

[0054] When the discount rules only include the spending limit and the number of transactions of the card organization to which the transaction account belongs, the transaction information will be matched with the spending limit and the number of transactions of the card organization to which the transaction account belongs in the discount rules. When the spending limit and the number of transactions of the card organization to which the transaction account belongs are successfully matched, the discount credit information will be generated.

[0055] When the discount rules include both customer-level discount activity limits and discount activity limits, and discount rules only include transaction account limits corresponding to transaction information, the transaction information will be matched with the customer-level discount activity limits and discount activity limits in the discount rules. At the same time, the transaction information will be matched with the transaction account limits corresponding to the transaction information in the discount rules. Discount crediting information will be generated when the customer-level discount activity limits and the transaction account limits corresponding to the transaction information are successfully matched.

[0056] When the discount rules include both the limit and the number of times for customer-level discount activities, as well as the limit and the number of times for the card organization to which the transaction account belongs, the transaction information will be matched with the limit and the number of times for customer-level discount activities in the discount rules. At the same time, the transaction information will be matched with the limit and the number of times for which the transaction account belongs in the discount rules. Discount credit information will be generated when both the limit and the number of times for customer-level discount activities are successfully matched.

[0057] When the discount rules include both the transaction limit and the number of transactions for the corresponding transaction account, as well as the transaction limit and the number of transactions for the card organization to which the corresponding transaction account belongs, the transaction information will be matched with both the transaction limit and the number of transactions for the corresponding transaction account in the discount rules. Discount credit information will be generated when both the transaction limit and the number of transactions for the corresponding transaction account are successfully matched.

[0058] In addition, when the preferential rules include limits on the amount and frequency of customer-level preferential activities, limits on the amount and frequency of the transaction account corresponding to the transaction information, and limits on the amount and frequency of the card organization to which the transaction account to which the transaction information belongs, the transaction information will be matched with the limits on the amount and frequency of customer-level preferential activities in the preferential rules, the transaction information will be matched with the limits on the amount and frequency of the transaction account corresponding to the transaction information in the preferential rules, and the transaction information will be matched with the limits on the card organization to which the transaction account to which the transaction information belongs. When the limits on the amount and frequency of customer-level preferential activities are successfully matched, the limits on the amount and frequency of the transaction account corresponding to the transaction information are successfully matched, and the limits on the amount and frequency of the card organization to which the transaction account to which the transaction information belongs are successfully matched, preferential credit information will be generated.

[0059] That is, when generating discount credit information, all limits and number of transactions are iterated and matched, and discount credit information is generated after all discount rules are matched successfully.

[0060] In this embodiment of the invention, transaction information is matched with the limits and times of customer-level promotional activities in the promotional rules. When the limits and times of customer-level promotional activities are successfully matched, promotional credit information is generated. Alternatively, transaction information is matched with the limits and times of the corresponding transaction account in the promotional rules. When the limits and times of the corresponding transaction account are successfully matched, promotional credit information is generated. Furthermore, transaction information is matched with the limits and times of the card organization to which the corresponding transaction account belongs in the promotional rules. When the limits and times of the corresponding transaction account to which the card organization belongs are successfully matched, promotional credit information is generated. This approach improves the accuracy of promotional rule matching.

[0061] In one embodiment of the present invention, in order to further improve the real-time performance and efficiency of cashback offers, a database sharding and table partitioning approach is adopted to store customer-level promotional activities.

[0062] For customer-level promotional activities, a database sharding and table partitioning approach can be used to store them, which greatly saves backend computing resources while ensuring the timely persistence of customer-level promotional activities, preventing accounting inconsistency issues, and further improving the real-time performance and efficiency of cashback.

[0063] In one embodiment of the present invention, in order to further improve the real-time performance and efficiency of cashback offers, a high-speed cache is used to store the limits and times of customer-dimensional promotional activities in the promotional rules, and / or the limits and times of transaction accounts corresponding to the transaction information, and / or the limits and times of the card organizations to which the transaction accounts belong.

[0064] Among them, the limits and times of customer-level promotional activities in the promotional rules that need to be read frequently, and / or the limits and times of transaction accounts corresponding to transaction information, and / or the limits and times of the card organizations to which the transaction accounts belong, can be stored in a high-speed cache. This greatly saves backend computing resources while ensuring the timely persistence of customer-level promotional activities, preventing accounting inconsistency issues, and further improving the real-time performance and efficiency of cashback.

[0065] Figure 4 This paper illustrates another implementation flow of the transaction processing method provided in the embodiments of the present invention. For ease of description, only the parts related to the embodiments of the present invention are shown, and are detailed below:

[0066] In one embodiment of the present invention, in order to facilitate the display of discount payment information, such as Figure 4 As shown, based on the above method steps, the transaction processing method also includes:

[0067] Step 401: Sort the discount receipt information of successfully matched discount rules according to different indicator dimensions.

[0068] When matching transaction information with discount rules, it's possible to match one discount rule and generate one discount credit, or multiple discount rules and generate multiple discount credits. When multiple discount rules are matched and multiple discount credits are generated, the discount credits can be sorted according to different metrics. These metrics can include discount credit amount, discount usage time, etc. For example, discount credits can be sorted in descending order by discount credit amount, placing discount credits with larger amounts first and discount credits with smaller amounts last. Alternatively, discount credits can be sorted in ascending order by discount usage time, placing discount credits with earlier usage times first and discount credits with later usage times last.

[0069] In this embodiment of the invention, the discount receipt information of successfully matched discount rules is sorted according to different indicator dimensions, which facilitates the display of discount receipt information.

[0070] Figure 5 This paper illustrates another implementation flow of the transaction processing method provided by an embodiment of the present invention. For ease of description, only the parts related to the embodiment of the present invention are shown, and are detailed below:

[0071] In one embodiment of the present invention, when the transaction direction of the transaction information is a reverse transaction, in order to ensure the accuracy of the transaction, such as... Figure 3 As shown, the transaction processing method also includes:

[0072] Step 501: Determine the original transaction corresponding to the transaction information;

[0073] Step 502: Based on the original transaction corresponding to the transaction information, determine the discount rules corresponding to the discount posting information generated by the original transaction;

[0074] Step 503: Based on the transaction information and the preferential rules corresponding to the original transaction generated by the transaction information, update the preferential rules in reverse to generate the transaction information with the reverse transaction direction.

[0075] When the transaction direction of the transaction information is reverse, firstly, based on the transaction information with the reverse direction, the original transaction corresponding to the transaction information is determined. Then, based on the original transaction corresponding to the transaction information, the preferential rules corresponding to the preferential posting information generated by the original transaction are determined. Finally, based on the transaction information and the preferential rules corresponding to the preferential posting information generated by the original transaction information, the preferential rules are updated in reverse to generate the posting information for the transaction information with the reverse direction.

[0076] In this embodiment of the invention, the original transaction corresponding to the transaction information is determined. Based on the original transaction, the preferential rules corresponding to the preferential payment information generated by the original transaction are determined. The preferential rules are updated in reverse according to the transaction information and the preferential payment information generated by the original transaction. Payment information of transaction information with the reverse transaction direction is generated. This can update the preferential rules in reverse and ensure the accuracy of the transaction.

[0077] This invention also provides a transaction processing apparatus, as described in the following embodiments. Since the principles by which these apparatuses solve the problem are similar to those of the transaction processing methods, the implementation of these apparatuses can be found in the implementation of the methods, and repeated details will not be repeated.

[0078] Figure 6 The functional modules of the transaction processing apparatus provided in an embodiment of the present invention are shown. For ease of explanation, only the parts related to the embodiment of the present invention are shown, and are described in detail below:

[0079] refer to Figure 6 The various modules included in the transaction processing device are used to perform... Figure 1 For details of each step in the corresponding embodiment, please refer to [link / reference]. Figure 1 as well as Figure 1 The relevant descriptions in the corresponding embodiments will not be repeated here. In this embodiment of the invention, the transaction processing device includes an asynchronous message receiving module 601, a discount rule matching module 602, and a transaction accounting module 603.

[0080] The asynchronous message receiving module 601 is used to receive transaction information generated by the consumer terminal through asynchronous messages; the transaction direction of the transaction information is a positive transaction.

[0081] The discount rule matching module 602 is used to match transaction information with discount rules that are pre-configured in the consumer terminal and can be maintained in real time, and generate discount credit information when the match is successful.

[0082] The transaction posting module 603 is used to post discount posting information based on discount posting information and generate transaction reports corresponding to the discount posting information.

[0083] When determining the discount payment information based on transaction information, the asynchronous message receiving module 601 uses an asynchronous message mechanism to receive the transaction information generated by the consumer terminal. This transaction information includes transaction elements and transaction direction. Transaction elements include customer information, transaction account information, transaction time, etc. Those skilled in the art will understand that the above-mentioned transaction elements may also include other transaction elements besides those mentioned above, such as transaction amount, transaction institution, etc. This embodiment of the invention does not impose any particular limitations on this. Furthermore, in this embodiment of the invention, the transaction direction of this transaction information is a forward transaction.

[0084] By receiving transaction information through an asynchronous message mechanism, it can be coupled with the transaction information during consumption authorization. Without affecting the transaction information during consumption authorization, the transaction processing (cashback) process provided in this embodiment of the invention can be directly associated with the user's specific consumption scenario, reducing the problem of excessively long discount feedback time radius, so as to provide real-time feedback on the discount crediting information of customer transaction information and improve the real-time performance of discount cashback during transaction processing.

[0085] After receiving transaction information via asynchronous messaging, the discount rule matching module 602 matches the transaction information with the discount rules within the consumer terminal. These discount rules are pre-configured within the consumer terminal and can be maintained in real-time. For example, various parameters in the configured discount rules (such as discount rule restrictions, transaction account parameters, and discount activity status) can be modified in real time. The discount rule may also include one or more other discount rules. When a discount rule match is successful, discount crediting information is generated so that the user can use this crediting information.

[0086] Finally, after successfully matching and generating the discount payment information, the transaction payment module 603 records the discount payment information and generates the corresponding transaction report.

[0087] In this embodiment of the invention, the asynchronous message receiving module 601 receives transaction information generated by the consumer terminal via asynchronous messages; the transaction direction of the transaction information is a forward transaction; the discount rule matching module 602 matches the transaction information with discount rules that are pre-configured in the consumer terminal and can be maintained in real time, and generates discount crediting information when the match is successful; the transaction crediting module 603 credits the discount crediting information according to the discount crediting information and generates a transaction report corresponding to the discount crediting information. This embodiment of the invention realizes discount cashback through asynchronous messages, decoupling it from the transaction processing process, which can improve the real-time performance of discount cashback; at the same time, the discount rules are pre-configured in the consumer terminal, supporting real-time maintenance, which can improve the flexibility of discount cashback.

[0088] Figure 7Another functional module of the transaction processing apparatus provided in an embodiment of the present invention is shown. For ease of explanation, only the parts related to the embodiment of the present invention are shown, and are described in detail below:

[0089] In one embodiment of the present invention, in order to improve the flexibility of preferential rule configuration, reference is made to... Figure 7 The various modules included in the transaction processing device are used to perform... Figure 2 For details of each step in the corresponding embodiment, please refer to [link / reference]. Figure 2 as well as Figure 2 The relevant descriptions in the corresponding embodiments will not be repeated here. In the embodiments of the present invention, in the above... Figure 6 Based on the module structure shown, the transaction processing device also includes a preferential rule configuration module 701.

[0090] The discount rule configuration module 701 is used to configure the discount rules in the consumer terminal according to the received rule configuration instructions.

[0091] When configuring discount rules within the consumer terminal, the discount rule configuration module 701 can configure the discount rules based on received rule configuration instructions. Additionally, it can modify the configured discount rules based on received modification instructions to improve the flexibility of discount rule configuration. For example, it can modify the number of discount rules or their parameters; modifications can include adding or deleting discount rules, as well as adjusting or replacing discount rule parameters.

[0092] In this embodiment of the invention, the discount rule configuration module 701 configures the discount rules in the consumer terminal according to the received rule configuration instructions, which can improve the flexibility of discount rule configuration.

[0093] Figure 8 The diagram illustrates the structure of the preferential rule matching module 602 in the transaction processing apparatus provided in an embodiment of the present invention. For ease of explanation, only the parts related to the embodiment of the present invention are shown, and are described in detail below:

[0094] In one embodiment of the present invention, the discount rules include limits on the amount and frequency of discount activities at the customer level, and / or limits on the amount and frequency of transactions corresponding to the transaction account, and / or limits on the amount and frequency of transactions to the card organization to which the transaction account belongs. To improve the accuracy of discount rule matching, refer to... Figure 8 The various units included in the discount rule matching module 602 are used to execute... Figure 3 For details of each step in the corresponding embodiment, please refer to [link / reference]. Figure 3 as well as Figure 3The relevant descriptions in the corresponding embodiments will not be repeated here. In this embodiment of the invention, the discount rule matching module 602 includes an activity limit and frequency matching unit 801 and / or an account limit and frequency matching unit 802 and / or a card organization limit and frequency matching unit 803.

[0095] The activity limit and frequency matching unit 801 is used to match transaction information with the limit and frequency of customer-dimensional promotional activities in the promotional rules, and generate promotional credit information when the limit and frequency of customer-dimensional promotional activities are successfully matched.

[0096] The account limit and frequency matching unit 802 is used to match the transaction information with the limit and frequency of the corresponding transaction account in the preferential rules, and generate preferential credit information when the limit and frequency of the corresponding transaction account are successfully matched.

[0097] The card organization limit matching unit 803 is used to match the transaction information with the limit of the card organization to which the transaction account belongs in the preferential rules. When the limit of the card organization to which the transaction account belongs is successfully matched, preferential posting information is generated.

[0098] When matching transaction information with preferential rules, the preferential rules include at least one or more of the following: limits on the amount and frequency of customer-level preferential activities, limits on the amount and frequency of the transaction account corresponding to the transaction information, and limits on the amount and frequency of the card organization to which the transaction account belongs. Those skilled in the art will understand that preferential rules may also include other preferential rules besides those mentioned above, such as time restrictions on transactions for customer-level preferential activities, etc., and this embodiment of the invention does not impose any particular limitations on this.

[0099] Specifically, when the discount rules only include the limit and number of times of customer-level discount activities, the activity limit and number of times matching unit 801 will match the transaction information with the limit and number of times of customer-level discount activities in the discount rules. When the limit and number of times of customer-level discount activities are successfully matched, the discount payment information can be generated.

[0100] When the preferential rules only include the transaction limit and number of transactions for the corresponding transaction account, the account limit and number of transactions matching unit 802 matches the transaction information with the transaction limit and number of transactions for the corresponding transaction account in the preferential rules. When the transaction limit and number of transactions for the corresponding transaction account are successfully matched, the preferential payment information can be generated.

[0101] When the preferential rules only include the limit and number of transactions of the card organization to which the transaction account belongs, the card organization limit and number of transactions matching unit 803 matches the transaction information with the limit and number of transactions of the card organization to which the transaction account belongs in the preferential rules. When the limit and number of transactions of the card organization to which the transaction account belongs are successfully matched, the preferential credit information can be generated.

[0102] When the discount rules include both customer-level discount activity limits and discount activity limits, and discount rules only include transaction account limits corresponding to transaction information, the activity limit matching unit 801 matches the transaction information with the customer-level discount activity limits in the discount rules, while the account limit matching unit 802 matches the transaction information with the transaction account limits corresponding to the transaction information in the discount rules. Discount crediting information is generated when the customer-level discount activity limit and the transaction account limit corresponding to the transaction information are successfully matched.

[0103] When the preferential rules include both the limit and the number of times of the customer-level preferential activity, and the limit and the number of times of the transaction information corresponding to the card organization to which the transaction account belongs, the activity limit and number of times matching unit 801 matches the transaction information with the limit and the number of times of the customer-level preferential activity in the preferential rules, while the card organization limit and number of times matching unit 803 matches the transaction information with the limit and the number of times of the card organization to which the transaction account belongs in the preferential rules. When the limit and the number of times of the customer-level preferential activity are successfully matched, and the limit and the number of times of the card organization to which the transaction account belongs are successfully matched, the preferential payment information is generated.

[0104] When the preferential rules include both the transaction limit and the number of transactions for the corresponding transaction account, as well as the transaction limit and the number of transactions for the card organization to which the corresponding transaction account belongs, the account limit and number of transactions matching unit 802 matches the transaction information with the transaction limit and number of transactions for the corresponding transaction account in the preferential rules. At the same time, the card organization limit and number of transactions matching unit 803 matches the transaction information with the transaction limit and number of transactions for the card organization to which the corresponding transaction account belongs in the preferential rules. When the transaction limit and number of transactions for the corresponding transaction account are successfully matched, the preferential credit information is generated.

[0105] In addition, when the preferential rules include limits on the amount and frequency of customer-level preferential activities, limits on the amount and frequency of the transaction account corresponding to the transaction information, and limits on the amount and frequency of the card organization to which the transaction account to which the transaction information belongs, the activity limit and frequency matching unit 801 matches the transaction information with the limits on the amount and frequency of customer-level preferential activities in the preferential rules, the account limit and frequency matching unit 802 matches the transaction information with the limits on the amount and frequency of the transaction account corresponding to the transaction information in the preferential rules, and the card organization limit and frequency matching unit 803 matches the transaction information with the limits on the amount and frequency of the card organization to which the transaction account to which the transaction information belongs in the preferential rules. When the limits on the amount and frequency of customer-level preferential activities are successfully matched, the limits on the amount and frequency of the transaction account corresponding to the transaction information are successfully matched, and the limits on the amount and frequency of the card organization to which the transaction account to which the transaction information belongs are successfully matched, preferential credit information is generated.

[0106] That is, when generating discount credit information, all limits and number of transactions are iterated and matched, and discount credit information is generated after all discount rules are matched successfully.

[0107] In this embodiment of the invention, the activity limit and frequency matching unit 801 matches the transaction information with the limit and frequency of the customer-dimensional promotional activity in the promotional rules. When the limit and frequency of the customer-dimensional promotional activity are successfully matched, promotional credit information is generated. The account limit and frequency matching unit 802 matches the transaction information with the limit and frequency of the transaction account corresponding to the transaction information in the promotional rules. When the limit and frequency of the transaction account corresponding to the transaction information are successfully matched, promotional credit information is generated. The card organization limit and frequency matching unit 803 matches the transaction information with the limit and frequency of the card organization to which the transaction account to which the transaction information belongs in the promotional rules. When the limit and frequency of the card organization to which the transaction account to which the transaction information belongs are successfully matched, promotional credit information is generated. This can improve the accuracy of promotional rule matching.

[0108] In one embodiment of the present invention, in order to further improve the real-time performance and efficiency of cashback offers, a database sharding and table partitioning approach is adopted to store customer-level promotional activities.

[0109] For customer-level promotional activities, a database sharding and table partitioning approach can be used to store them, which greatly saves backend computing resources while ensuring the timely persistence of customer-level promotional activities, preventing accounting inconsistency issues, and further improving the real-time performance and efficiency of cashback.

[0110] In one embodiment of the present invention, in order to further improve the real-time performance and efficiency of cashback offers, a high-speed cache is used to store the limits and times of customer-dimensional promotional activities in the promotional rules, and / or the limits and times of transaction accounts corresponding to the transaction information, and / or the limits and times of the card organizations to which the transaction accounts belong.

[0111] Among them, the limits and times of customer-level promotional activities in the promotional rules that need to be read frequently, and / or the limits and times of transaction accounts corresponding to transaction information, and / or the limits and times of the card organizations to which the transaction accounts belong, can be stored in a high-speed cache. This greatly saves backend computing resources while ensuring the timely persistence of customer-level promotional activities, preventing accounting inconsistency issues, and further improving the real-time performance and efficiency of cashback.

[0112] Figure 9 This illustration shows another functional module of the transaction processing apparatus provided in an embodiment of the present invention. For ease of explanation, only the parts related to the embodiment of the present invention are shown, and are described in detail below:

[0113] In one embodiment of the present invention, for ease of displaying discount payment information, refer to Figure 9 The various modules included in the transaction processing device are used to perform... Figure 4 For details of each step in the corresponding embodiment, please refer to [link / reference]. Figure 4 as well as Figure 4 The relevant descriptions in the corresponding embodiments will not be repeated here. In this embodiment of the invention, when the transaction direction of the transaction information is a reverse transaction, the transaction processing device further includes a preferential information sorting module 901 based on the above module structure.

[0114] The discount information sorting module 901 is used to sort the discount billing information of successfully matched discount rules according to different indicator dimensions.

[0115] When matching transaction information with discount rules, it's possible to match one discount rule and generate one discount receipt, or multiple discount rules and generate multiple discount receipts. When multiple discount rules are matched and multiple discount receipts are generated, the discount information sorting module 901 can sort the discount receipts according to different indicator dimensions. These indicator dimensions can include discount receipt amount, discount usage time, etc. For example, the discount information sorting module 901 can sort the discount receipts in descending order based on the discount receipt amount, placing discount receipts with larger amounts first and those with smaller amounts last. Additionally, the discount information sorting module 901 can also sort the discount receipts in ascending order based on the discount usage time, placing discount receipts with earlier usage times first and those with later usage times last.

[0116] In this embodiment of the invention, the discount information sorting module 901 sorts the discount receipt information of successfully matched discount rules according to different indicator dimensions, which facilitates the display of discount receipt information.

[0117] Figure 10 This illustration shows another functional module of the transaction processing apparatus provided in an embodiment of the present invention. For ease of explanation, only the parts related to the embodiment of the present invention are shown, and are described in detail below:

[0118] In one embodiment of the present invention, in order to ensure the accuracy of transactions, reference is made to... Figure 10 The various modules included in the transaction processing device are used to perform... Figure 5 For details of each step in the corresponding embodiment, please refer to [link / reference]. Figure 5 as well as Figure 5 The relevant descriptions in the corresponding embodiments will not be repeated here. In this embodiment of the invention, when the transaction direction of the transaction information is a reverse transaction, based on the above module structure, the transaction processing device includes an original transaction determination module 1001, a preferential rule determination module 1002, and a reverse update module 1003.

[0119] The original transaction determination module 1001 is used to determine the original transaction corresponding to the transaction information.

[0120] The discount rule determination module 1002 is used to determine the discount rules corresponding to the discount posting information generated by the original transaction based on the original transaction information.

[0121] The reverse update module 1003 is used to update the preferential rules in reverse based on the transaction information and the preferential rules corresponding to the preferential entry information generated from the original transaction, and to generate the entry information of the transaction information with the reverse transaction direction.

[0122] When the transaction direction of the transaction information is reverse, the original transaction determination module 1001 first determines the original transaction corresponding to the transaction information based on the transaction information with the reverse transaction direction. Then, the discount rule determination module 1002 determines the discount rule corresponding to the discount posting information generated by the original transaction based on the original transaction corresponding to the transaction information. Finally, the reverse update module 1003 updates the discount rule in reverse based on the transaction information and the discount posting information generated by the original transaction corresponding to the transaction information, and generates the posting information for the transaction information with the reverse transaction direction.

[0123] In this embodiment of the invention, the original transaction determination module 1001 determines the original transaction corresponding to the transaction information, the preferential rule determination module 1002 determines the preferential rule corresponding to the preferential payment information generated by the original transaction based on the original transaction corresponding to the transaction information, and the reverse update module 1003 updates the preferential rule in reverse based on the transaction information and the preferential payment information generated by the original transaction corresponding to the transaction information, and generates payment information of transaction information with the reverse transaction direction, which can update the preferential rule in reverse and ensure the accuracy of the transaction.

[0124] This invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the above-described transaction processing method.

[0125] This invention also provides a computer-readable storage medium storing a computer program that performs the above-described transaction processing method.

[0126] The following examples of cashback offers briefly illustrate the function and principle of this invention:

[0127] This invention proposes a real-time diversified cashback method (transaction processing method) for credit cards targeting a large number of customers. By directly linking the cashback (transaction processing) process to the customer's specific consumption scenario, it effectively reduces the problem of excessively long cashback timeframes. It also solves the problem of cashback methods based on merchant partnerships, while avoiding the increased time consumption for existing consumption authorizations in ordinary real-time cashback systems. A brief description of the implementation process is as follows:

[0128] Authorization: The consumption transaction record is pushed to the discount processing module using asynchronous messaging, including consumption transaction elements (customer information, card information, transaction information, etc.) and transaction direction (positive transaction, negative transaction (e.g., reversal, cancellation, return, etc.)).

[0129] The discount processing module matches the current transaction with discount rules, filters for the best deals, checks and updates discount limits and usage restrictions, generates discount payment information, and notifies customers. Discount and usage restriction information can be freely expanded and adjusted by simply adding the corresponding type restriction code. An example of a discount and usage restriction is shown below:

[0130] The limits and usage times for a single promotional activity (based on daily / monthly / quarterly / promotional period, etc.) are compared to the originally set limits and usage times; the limits and usage times for each customer (based on daily / monthly / quarterly / promotional period, etc.) are compared to the originally set limits and usage times; and the card organization dimension includes the current card issuer (VISA, Mastercard, UnionPay, JCB, etc.).

[0131] Core accounting: Record transactions based on promotional information and generate corresponding reports; Customer feedback: Add and maintain promotional activities.

[0132] (I) Forward Trading

[0133] The discount processing module handles activity rule matching, iterates through the restrictions of each discount activity, matches them, filters out discount rules that meet the conditions, and triggers successful authorization of the discount. If any discount rule does not match, the activity is skipped.

[0134] The rules can be added and expanded, including matching the whitelist of activities, matching the dates and start and end times of special offers, matching payment channels, filtering by card parameters (card type, account type, card level, card number range, card organization), filtering by merchant category and participating merchant.

[0135] Calculate cashback amounts for multiple promotions, perform trial calculations and checks on promotion limits and frequency limits, promotion-card organization limits, and customer-promotion limits and frequency limits; calculate discount amounts and filter for the best deals, sorting multiple promotional activities that meet the discount rules by discount amount (descending order) and promotion end time (ascending order);

[0136] Local activity amount deduction, clearly defining the lending direction, deducting funds from the card center's internal account according to the deduction ratio; locally updating customer-activity limit and frequency information, inserting customer-activity log information; sending promotional information notifications to customers.

[0137] (II) Reverse Trading

[0138] Current transaction direction (including forward transactions, reverse forward transactions, cancelled transactions, cancelled reverse forward transactions, return transactions, return reverse forward transactions, etc.). Among them, forward forward transactions, cancelled transactions, and return transactions are treated as reverse transactions.

[0139] Match the original transaction; populate the information required for the reverse transaction, including participation information, amount of discounts used, number of times cashback was participated, etc.; update the activity limit and number of times information, as well as the posting information for the reverse transaction.

[0140] This invention provides a method for large-scale distributed automatic distribution of authorized discounts. Through asynchronous messaging, high-speed caching, read-write separation, and database sharding, it can support real-time cashback for hundreds of millions of customers. It employs multi-dimensional limit and frequency calculations with high cohesion in matching activity rules to achieve multi-dimensional control over cashback amounts. The cashback discount processing is loosely coupled with the existing authorization entity logic, enabling near real-time deployment and implementation of full-amount cashback strategies on the authorization side (batch processing and accounting on the same day) without affecting the average processing time of ordinary authorized transactions. Furthermore, it uses configurable discount rule parameters, allowing flexible deployment of cashback discount rules on the client side based on the promotional mechanisms of partner merchants and the level of customer participation rewards. This significantly expands the scope of customer discounts, greatly enhances the customer discount experience, and improves long-term customer loyalty and transaction volume.

[0141] This invention determines the cashback conditions directly after the customer completes the credit card spending authorization, achieving the cashback effect for the customer while ensuring that the time delay for spending authorization is not affected.

[0142] This invention, as an optimization strategy for existing authorization rules, aims to achieve matching and accounting of promotional activities based on the existing authorized transaction process and combined with the content of promotional activity rules, through an asynchronous message processing mechanism. When the basic rules of the activity and the limits and restrictions of each dimension are met, the system can trigger the immediate calculation of the maximum discount amount and record the activity discount information. For the limit and restriction information of each dimension that requires frequent read and write processing, the system uses high-speed caching for storage. For customer-level activity information, database sharding and table partitioning are used for storage, which can greatly save backend computing resources while ensuring the timely persistence of customer-level data and preventing accounting inconsistency issues. In addition, a service-level whitelist is used to control the scope of transactions participating in the cashback offer, avoiding affecting the normal execution of other transactions that do not participate in the activity, ensuring system availability and better control.

[0143] This invention provides real-time cashback based directly on the customer, offering personalized cashback based on customer information, card usage information (transaction amount, card level, transaction scenario), etc. By ensuring timely cashback during transactions without affecting the response time of authorization, and with cashback credited on the same day, it significantly improves the timeliness of rewards and customer experience. It can handle large-scale, high-concurrency cashback for customers. It boasts high security; when cashback anomalies occur, the authorization function remains unaffected, ensuring the core functionality of the system is unaffected. Promotional activities are customer-centric, with real-time cashback upon authorization, suitable for large-scale, high-concurrency scenarios. It supports multiple cashback modes at the customer level (including fixed and random cashback) and allows real-time maintenance of participation restrictions, such as card parameters, activity status, limits, and other activity rule configurations, which can be added or modified at any time. The cashback effect takes effect immediately upon triggering the authorized transaction execution process, and the silent cashback strategy helps improve the customer experience of promotional activities. In large-scale, high-concurrency scenarios, high-speed caching, database sharding, and read-write separation are used to support efficient storage and management of hundreds of millions of customer information for a massive number of customers.

[0144] In summary, in this embodiment of the invention, transaction information generated by the consumer terminal is received asynchronously; the transaction direction of the transaction information is a forward transaction; the transaction information is matched with pre-configured, real-time maintainable discount rules within the consumer terminal, and discount crediting information is generated upon successful matching; the discount crediting information is credited according to the discount crediting information, and a transaction report corresponding to the discount crediting information is generated. This embodiment of the invention achieves discount cashback through asynchronous messaging, decoupling it from the transaction processing process and improving the real-time performance of discount cashback; simultaneously, pre-configuring the discount rules within the consumer terminal supports real-time maintenance, improving the flexibility of discount cashback.

[0145] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0146] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0147] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0148] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0149] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above descriptions are merely specific embodiments of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A transaction processing method, characterized by, The transaction processing method comprises the following steps: When determining the preferential entry information based on the transaction information, the transaction information generated by the consumption terminal is received through asynchronous message to be coupled with the transaction information at the time of consumption authorization, and the transaction processing method is directly associated with the specific consumption scene of the user on the basis of the transaction information at the time of consumption authorization without affecting the transaction information, so as to reduce the preferential feedback time radius; the transaction information comprises transaction elements and transaction direction, and the transaction direction of the transaction information is positive transaction; After receiving the transaction information through asynchronous message, the transaction information is matched with the limit quota of the customer dimension preferential activity in the preferential rule, and the preferential entry information is generated when the limit quota of the customer dimension preferential activity is successfully matched; and / or the transaction information is matched with the limit quota of the transaction account corresponding to the transaction information in the preferential rule, and the preferential entry information is generated when the limit quota of the transaction account corresponding to the transaction information is successfully matched; And / or the transaction information is matched with the limit quota of the card organization to which the transaction account corresponding to the transaction information belongs in the preferential rule, and the preferential entry information is generated when the limit quota of the card organization to which the transaction account corresponding to the transaction information belongs is successfully matched, so that the user uses the preferential entry information; the preferential rule is pre-configured in the consumption terminal, various parameters in the configured preferential rule can be modified in real time, and the preferential rule comprises one or more preferential rules; After the matching is successful, the preferential entry information is entered according to the preferential entry information, and a transaction report corresponding to the preferential entry information is generated; When the transaction direction of the transaction information is reverse transaction, in order to ensure the accuracy of the transaction, the transaction processing method further comprises the following steps: determining the original transaction corresponding to the transaction information; determining the preferential rule corresponding to the preferential entry information generated by the original transaction according to the original transaction corresponding to the transaction information; and updating the preferential rule in reverse according to the transaction information and the preferential rule corresponding to the preferential entry information generated by the original transaction corresponding to the transaction information, to generate the entry information of the transaction information with reverse transaction direction; The configured preferential rule in the consumption terminal is modified based on the received modification instruction, so as to improve the flexibility of the preferential rule configuration.

2. The transaction processing method of claim 1, wherein, The preferential rule comprises the limit quota of the customer dimension preferential activity, and / or the limit quota of the transaction account corresponding to the transaction information, and / or the limit quota of the card organization to which the transaction account corresponding to the transaction information belongs.

3. The transaction processing method of claim 2, wherein, The customer dimension preferential activity is stored in the form of separate database and separate table.

4. The transaction processing method of claim 2, wherein, The limit quota of the customer dimension preferential activity in the preferential rule, and / or the limit quota of the transaction account corresponding to the transaction information, and / or the limit quota of the card organization to which the transaction account corresponding to the transaction information belongs are stored in the cache.

5. The transaction processing method of claim 1, wherein, Further comprising: The preferential entry information of the matched preferential rule is sorted according to different index dimensions.

6. A transaction processing apparatus characterized by comprising: Further comprising: The asynchronous message receiving module is configured to receive transaction information generated by the consumption terminal in an asynchronous manner when determining the preferential entry information based on the transaction information, so as to couple the transaction information with the transaction information when the consumption is authorized, and to directly associate the transaction processing method to the specific consumption scenario of the user on the basis of the transaction information when the consumption is authorized, so as to reduce the preferential feedback time radius; the transaction information includes transaction elements and a transaction direction, and the transaction direction of the transaction information is a positive transaction; The preferential rule matching module is configured to match the transaction information with the limit quota and limit times of the customer-dimension preferential activity in the preferential rule after receiving the transaction information in an asynchronous manner, and to generate the preferential entry information when the limit quota and limit times of the customer-dimension preferential activity are matched successfully; and / or to match the transaction information with the limit quota and limit times of the transaction account corresponding to the transaction information in the preferential rule, and to generate the preferential entry information when the limit quota and limit times of the transaction account corresponding to the transaction information are matched successfully; and / or to match the transaction information with the limit quota and limit times of the card organization to which the transaction account corresponding to the transaction information belongs in the preferential rule, and to generate the preferential entry information when the limit quota and limit times of the card organization to which the transaction account corresponding to the transaction information belongs are matched successfully, so as to enable the user to use the preferential entry information; the preferential rule is pre-configured in the consumption terminal, various parameters in the configured preferential rule can be modified in real time, and the preferential rule includes one or more preferential rules. The transaction entry module is configured to perform preferential entry information entry according to the preferential entry information after the preferential entry information is generated by matching successfully, and to generate a transaction report corresponding to the preferential entry information. When the transaction direction of the transaction information is a reverse transaction, in order to ensure the accuracy of the transaction, the transaction processing device further includes: an original transaction determining module configured to determine an original transaction corresponding to the transaction information; a preferential rule determining module configured to determine a preferential rule corresponding to preferential entry information generated by the original transaction according to the original transaction corresponding to the transaction information; and a reverse updating module configured to reversely update the preferential rule according to the preferential rule corresponding to the preferential entry information generated by the transaction information and the original transaction corresponding to the transaction information, and to generate entry information of the transaction information with the reverse transaction direction. The preferential rule configuration module is configured to modify the configured preferential rule in the consumption terminal based on the received modification instruction, so as to improve the flexibility of the preferential rule configuration. The preferential rule includes the limit quota and limit times of the customer-dimension preferential activity, and / or the limit quota and limit times of the transaction account corresponding to the transaction information, and / or the limit quota and limit times of the card organization to which the transaction account corresponding to the transaction information belongs.

7. The transaction processing device of claim 6, wherein, The customer-dimension preferential activity is stored in a manner of database and table separation.

8. The transaction processing device of claim 7, wherein, The limit quota and limit times of the customer-dimension preferential activity in the preferential rule, and / or the limit quota and limit times of the transaction account corresponding to the transaction information, and / or the limit quota and limit times of the card organization to which the transaction account corresponding to the transaction information belongs are stored in a cache.

9. The transaction processing device of claim 7, wherein, Further comprising:

10. The transaction processing device of claim 6, wherein, The preferential information sorting module is configured to sort the preferential entry information of the matched preferential rule according to different index dimensions. The processor executes the computer program to implement the transaction processing method in any one of claims 1 to 5.

11. A computer device comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, ​ 12. A computer-readable storage medium, characterized in that, The computer readable storage medium stores a computer program for executing the transaction processing method of any one of claims 1 to 5.

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