Transaction coordination processing method, terminal and computer-readable storage medium

Abstract

The present invention discloses a method, terminal and computer-readable storage medium for processing transaction coordination, the method is applied to the processing terminal of transaction coordination, the processing terminal of transaction coordination is connected to the bank end and the merchant end, the method comprises: when receiving the transaction coordination request sent by the bank end, determining the target merchant and the data type of the data to be obtained according to the transaction coordination request; generating a data acquisition request according to the data type and sending it to the merchant end corresponding to the target merchant, wherein the merchant end sends the target transaction data in response to the data acquisition request; receiving the target transaction data sent by the merchant end; sending the target transaction data to the bank end. The present invention reduces the transaction coordination process cycle.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a transaction coordination processing method, a terminal and a computer-readable storage medium. Background Art

[0002] For transaction coordination requests initiated by banks, the traditional transaction coordination process requires manual confirmation of the merchant's identity and the transaction information required for the transaction coordination. The low efficiency of manual query will result in a long transaction coordination process cycle. Summary of the invention

[0003] The embodiments of the present invention provide a method, a terminal and a computer-readable storage medium for processing transaction coordination, aiming to solve the technical problem of how to reduce the transaction coordination process cycle.

[0004] An embodiment of the present invention provides a method for processing transaction coordination, the method is applied to a terminal for processing transaction coordination, the terminal for processing transaction coordination is connected to a bank end and a merchant end, and the method for processing transaction coordination includes the following steps:

[0005] When receiving a transaction inquiry request sent by a bank, determining the target merchant and the type of information to be obtained according to the transaction inquiry request;

[0006] Generate a data acquisition request according to the data type and send it to the merchant terminal corresponding to the target merchant, wherein the merchant terminal responds to the data acquisition request and sends the target transaction data;

[0007] Receiving target transaction information sent by the merchant terminal;

[0008] The target transaction data is sent to the bank.

[0009] In one embodiment, when receiving the transaction inquiry request sent by the bank, after the step of determining the target merchant and the type of information to be obtained according to the transaction inquiry request, the method further includes:

[0010] Determining, according to the data type, whether the first risk level corresponding to the transaction assistance inquiry request reaches a preset level;

[0011] When the first risk level is greater than or equal to the preset level, freezing the funds of the target merchant;

[0012] When the first risk level is lower than the preset level, the step of generating a data acquisition request according to the data type and sending the request to a merchant terminal corresponding to the target merchant is performed.

[0013] In one embodiment, after receiving the target transaction data sent by the merchant, the method further includes:

[0014] When the funds of the target merchant are in a frozen state, determining a second risk level corresponding to the transaction inquiry request according to the target transaction data;

[0015] When the second risk level is lower than the preset level, the funds of the target merchant are unfrozen.

[0016] In one embodiment, after the step of receiving the target transaction information sent by the merchant, the method further includes:

[0017] Obtaining a date of receipt of the target transaction data;

[0018] Determining whether the receipt date exceeds the processing period corresponding to the transaction inquiry request;

[0019] If the receiving date exceeds the processing period, outputting a prompt message indicating that the receiving date has expired;

[0020] If the receiving date does not exceed the processing period, the step of sending the target transaction information to the bank is performed.

[0021] In one embodiment, before the step of sending the target transaction information to the bank, the method further includes:

[0022] Detecting whether the target transaction information is complete;

[0023] When the target transaction data is complete, the step of sending the target transaction data to the bank end is performed.

[0024] In one embodiment, the step of detecting whether the target transaction data is complete includes:

[0025] Determine whether the data type is basic data, where the basic data includes identity information, business license, bills, and product pictures;

[0026] When the data type is the basic data, determining whether the target transaction data includes the basic data;

[0027] When the target transaction data includes the basic data, it is determined that the target transaction data is complete.

[0028] In one embodiment, after the step of determining whether the data type is basic data, the method further includes:

[0029] When the material type is non-basic material, a prompt message for manual review is output, and the non-basic material includes video material.

[0030] In one embodiment, after the step of generating a data acquisition request according to the data type and sending the request to a merchant terminal corresponding to the target merchant, the method further includes:

[0031] Real-time detection and output of the processing progress of the transaction inquiry request;

[0032] Output prompt information corresponding to the processing progress.

[0033] An embodiment of the present invention also provides a transaction coordination processing terminal, which includes: a memory, a processor, and a transaction coordination processing program stored in the memory and executable on the processor, and when the processor executes the transaction coordination processing program, it implements the various steps of the transaction coordination processing method described above.

[0034] An embodiment of the present invention further provides a computer-readable storage medium, on which a transaction coordination processing program is stored. When the transaction coordination processing program is executed by a processor, the various steps of the transaction coordination processing method described above are implemented.

[0035] In the technical solution of this embodiment, the transaction coordination processing terminal is connected to the bank side and the merchant side. When the transaction coordination processing terminal receives the transaction coordination request sent by the bank side, it determines the target merchant and the data type of the data to be obtained according to the transaction coordination request; generates a data acquisition request according to the data type and sends it to the merchant side corresponding to the target merchant, wherein the merchant side responds to the data acquisition request and sends the target transaction data; receives the target transaction data sent by the merchant side; and sends the target transaction data to the bank side. Since the transaction coordination processing terminal can receive the transaction coordination request sent by the bank side, and then obtains data from the merchant side based on the content carried by the coordination request in real time, and then responds to the transaction coordination request based on the received data, compared with manual processing, the transaction coordination request can be processed in a timely manner and the data processing speed is fast, which reduces the transaction coordination process cycle. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] In order to more clearly illustrate the embodiments of the present invention 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 invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0037] Figure 1 A schematic diagram of the hardware architecture of a transaction coordination processing terminal involved in an embodiment of the present invention;

[0038] Figure 2It is a flowchart of a first embodiment of a method for processing transaction coordination according to the present invention;

[0039] Figure 3 It is a flowchart of a second embodiment of a method for processing transaction coordination according to the present invention;

[0040] Figure 3A The asset loss transaction details page of the second embodiment of the transaction coordination processing method of the present invention;

[0041] Figure 4 It is a flowchart of a third embodiment of a method for processing transaction coordination according to the present invention;

[0042] Figure 5 It is a flowchart of a fourth embodiment of a method for processing transaction coordination according to the present invention;

[0043] Figure 6 It is a flowchart of a fifth embodiment of a method for processing transaction coordination according to the present invention;

[0044] Fig. 6A This is the order adjustment and coordination inquiry process of the fifth embodiment of the transaction coordination inquiry processing method of the present invention;

[0045] Figure 7 This is a detailed flow chart of step S140 of the sixth embodiment of the transaction coordination processing method of the present invention;

[0046] Figure 8 This is a detailed flow chart of step S140 of the seventh embodiment of the transaction coordination processing method of the present invention;

[0047] Fig. 9 4 is a flow chart of an eighth embodiment of the method for processing transaction coordination according to the present invention. DETAILED DESCRIPTION

[0048] In order to better understand the above technical solution, exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments described herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0049] The main solution of the present invention is: the transaction coordination processing terminal is connected to the bank end and the merchant end. When the transaction coordination processing terminal receives the transaction coordination request sent by the bank end, it determines the target merchant and the data type of the data to be obtained according to the transaction coordination request; generates a data acquisition request according to the data type and sends it to the merchant end corresponding to the target merchant, wherein the merchant end sends the target transaction data in response to the data acquisition request; receives the target transaction data sent by the merchant end; and sends the target transaction data to the bank end.

[0050] Since the transaction coordination processing terminal can receive the transaction coordination request sent by the bank, and then obtain information from the merchant in real time based on the content carried in the coordination request, and then respond to the transaction coordination request based on the received information, compared with manual processing, the transaction coordination request can be processed in a timely manner and the data processing speed is fast, which reduces the transaction coordination process cycle.

[0051] As an implementation method, the transaction inquiry processing terminal can be as follows Figure 1 .

[0052] The embodiment of the present invention relates to a transaction coordination processing terminal, which includes: a processor 101, such as a CPU, a memory 102, and a communication bus 103. The communication bus 103 is used to realize the connection and communication between these components.

[0053] The memory 102 may be a high-speed RAM memory or a stable memory (non-volatile memory), such as a disk memory. Figure 1 , the memory 102 as a computer-readable storage medium may include a detection program; and the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0054] When receiving a transaction inquiry request sent by a bank, determining the target merchant and the type of information to be obtained according to the transaction inquiry request;

[0055] Generate a data acquisition request according to the data type and send it to the merchant terminal corresponding to the target merchant, wherein the merchant terminal responds to the data acquisition request and sends the target transaction data;

[0056] Receiving target transaction information sent by the merchant terminal;

[0057] The target transaction data is sent to the bank.

[0058] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0059] Determining, according to the data type, whether the first risk level corresponding to the transaction assistance inquiry request reaches a preset level;

[0060] When the first risk level is greater than or equal to the preset level, freezing the funds of the target merchant;

[0061] When the first risk level is lower than the preset level, the step of generating a data acquisition request according to the data type and sending the request to a merchant terminal corresponding to the target merchant is performed.

[0062] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0063] When the funds of the target merchant are in a frozen state, determining a second risk level corresponding to the transaction inquiry request according to the target transaction data;

[0064] When the second risk level is lower than the preset level, the funds of the target merchant are unfrozen.

[0065] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0066] Obtaining a date of receipt of the target transaction data;

[0067] Determining whether the receipt date exceeds the processing period corresponding to the transaction inquiry request;

[0068] If the receiving date exceeds the processing period, outputting a prompt message indicating that the receiving date has expired;

[0069] If the receiving date does not exceed the processing period, the step of sending the target transaction information to the bank is performed.

[0070] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0071] Detecting whether the target transaction information is complete;

[0072] When the target transaction data is complete, the step of sending the target transaction data to the bank end is performed.

[0073] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0074] Determine whether the data type is basic data, where the basic data includes identity information, business license, bills, and product pictures;

[0075] When the data type is the basic data, determining whether the target transaction data includes the basic data;

[0076] When the target transaction data includes the basic data, it is determined that the target transaction data is complete.

[0077] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0078] When the material type is non-basic material, a prompt message for manual review is output, and the non-basic material includes video material.

[0079] In one embodiment, the processor 101 may be used to call the detection program stored in the memory 102 and perform the following operations:

[0080] Real-time detection and output of the processing progress of the transaction inquiry request;

[0081] Output prompt information corresponding to the processing progress.

[0082] In the technical solution of this embodiment, the transaction coordination processing terminal is connected to the bank side and the merchant side. When the transaction coordination processing terminal receives the transaction coordination request sent by the bank side, it determines the target merchant and the data type of the data to be obtained according to the transaction coordination request; generates a data acquisition request according to the data type and sends it to the merchant side corresponding to the target merchant, wherein the merchant side responds to the data acquisition request and sends the target transaction data; receives the target transaction data sent by the merchant side; and sends the target transaction data to the bank side. Since the transaction coordination processing terminal can receive the transaction coordination request sent by the bank side, and then obtains data from the merchant side based on the content carried by the coordination request in real time, and then responds to the transaction coordination request based on the received data, compared with manual processing, the transaction coordination request can be processed in a timely manner and the data processing speed is fast, which reduces the transaction coordination process cycle.

[0083] In order to better understand the above technical solution, the above technical solution will be described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0084] Reference Figure 2 , Figure 2 The first embodiment of the transaction coordination processing method of the present invention comprises the following steps:

[0085] Step S10, upon receiving a transaction inquiry request sent by the bank, determining the target merchant and the type of information to be obtained according to the transaction inquiry request.

[0086] The traditional error transaction coordination process only involves the cooperation of the card issuer, the clearing agency and the acquirer. The actual situation of the consumer transaction is not quickly responded to and verified with the merchant. The merchant and the related information of the specific transaction need to be manually located, and manual query is inefficient.

[0087] In this embodiment, the transaction coordination processing terminal is connected to the bank side and the merchant side. The transaction coordination request is a request initiated by the bank side. The transaction coordination request includes but is not limited to coordination requests of different business types such as order adjustment and order return. Among them, order adjustment refers to the process in which the card issuer requests the acquiring institution to review the transaction documents within the specified time because the cardholder or the issuing institution has questions about the transaction that has been cleared. The transaction coordination processing terminal in this embodiment is used to assist the merchant side in processing the transaction coordination request initiated by the bank side.

[0088] Preferably, the target merchant and the type of information to be obtained can be determined by parsing the transaction cooperation inquiry request; specifically, the basic information of the inquiry target can be obtained by parsing the transaction cooperation inquiry request, and the basic information of the inquiry target can be stored in the transaction cooperation inquiry processing terminal, and the basic information of the inquiry target can be compared with the stored basic information of the merchant to determine the target merchant; specifically, the type of information the bank wants can be determined by parsing the transaction cooperation inquiry request, for example: parsing the transaction cooperation inquiry request, and determining according to the parsing result that the bank requires to upload information such as the merchant's actual business name, actual business address, contact person, contact information and transaction receipt.

[0089] Step S20, generating a data acquisition request according to the data type and sending the request to the merchant terminal corresponding to the target merchant, wherein the merchant terminal responds to the data acquisition request and sends the target transaction data.

[0090] In this embodiment, after the target merchant and the type of information to be obtained are determined, the target transaction information is obtained from the merchant terminal based on the merchant terminal corresponding to the target merchant as the sending address of the information acquisition request.

[0091] Step S30, receiving the target transaction information sent by the merchant.

[0092] Step S40, sending the target transaction information to the bank.

[0093] In the technical solution of this embodiment, since the transaction assistance processing terminal can receive the transaction assistance request sent by the bank, and then obtain information from the merchant in real time based on the content carried by the assistance request, and then respond to the transaction assistance request based on the received information, compared with manual processing, the transaction assistance request can be processed in a timely manner and the data processing speed is fast, which reduces the transaction assistance process cycle.

[0094] Reference Figure 3 , Figure 3This is a second embodiment of the method for processing transaction coordination of the present invention, based on the first embodiment, and after step S10, further comprising:

[0095] Step S50, determining whether the first risk level corresponding to the transaction inquiry request reaches a preset level according to the data type.

[0096] In this embodiment, when a transaction cooperation request is received, the first risk level corresponding to the transaction cooperation request can be determined. For example, when the business type corresponding to the transaction cooperation request is A, the risk level B corresponding to A is used as the first risk level.

[0097] Step S60: When the first risk level is greater than or equal to the preset level, freezing the funds of the target merchant.

[0098] In this embodiment, taking into account risky transactions and risky merchants who have not taken corresponding risk control measures, the transaction coordination processing terminal can determine the first risk level corresponding to the transaction coordination request. The above preset level can be set according to an artificially defined value. When the first risk is equal to or greater than the preset level, it is determined that the business type involved in the transaction coordination request has a high risk level, and the funds of the target merchant can be frozen.

[0099] Optionally, for freezing the target merchant's funds, the funds involved in the transaction coordination request can be frozen. It is easy to understand that the merchant's fund management authority has authorized the transaction coordination request processing device. For example, the transaction coordination request processing device can freeze and unfreeze the target merchant's funds through the merchant's fund management authority.

[0100] Optionally, the transaction coordination processing terminal can realize quasi-real-time circulation of external channel data transmission, internal information matching, and merchant information verification, clarify the processing time of each process node, and improve the efficiency of cross-departmental collaboration: import external channel data, intelligently match the basic information of merchants and agents; real-time feedback of merchant number, merchant name, merchant source, transaction time, transaction card number, transaction amount, transaction status, transaction method, reply deadline and other basic fields to the corresponding agent system (based on the merchant source), and automatically freeze the funds on the merchant side.

[0101] Optionally, the transaction coordination processing terminal can visualize the asset loss transaction data, update the loss amount and processing channel in real time, and synchronize fraud data. For example, import data to synchronize and locate the merchant's stop payment plan. When the merchant's funds interception is less than the loss amount, the agent's profit sharing is stopped and matched to the error platform management page, dynamically displaying the interception and deduction situation. Figure 3A shown.

[0102] Optionally, the data display page in the transaction coordination processing terminal has controlled viewing permissions according to internal groups. Relevant personnel of different product types have the authority to view the encrypted transaction data of merchants under the corresponding business, thereby achieving the confidentiality of data maintenance; data transmission will be sent to the corresponding agent backend system according to the merchant source, and the agent will only receive his own transaction coordination after logging into the account.

[0103] Optionally, the transaction coordination processing terminal can realize risk data sharing and cross-departmental collaborative processing: update external risk data in quasi-real time, achieve information interconnection among multiple departments, and build black and gray sample portraits for risk control monitoring models.

[0104] Optionally, the transaction coordination processing terminal can deeply explore the real scenarios of risky transactions and reduce the probability of external risk compensation: based on the merchant's personalized unfreezing information, it can be provided to the outside for complaints and negotiations, effectively avoiding some losses.

[0105] Step S70, when the first risk level is lower than the preset level, executing the step of generating a data acquisition request according to the data type and sending the request to the merchant terminal corresponding to the target merchant.

[0106] In the technical solution of this embodiment, the risk control responds to the external investigation based on the investigation data. After receiving the transaction investigation request, it can quickly determine the risk level corresponding to the transaction investigation request, thereby freezing the client funds, which can improve the security of merchant funds management.

[0107] Reference Figure 4 , Figure 4 The third embodiment of the transaction coordination processing method of the present invention is based on any one of the first to second embodiments, and after step S30, further includes:

[0108] Step S80, when the funds of the target merchant are in a frozen state, determining the second risk level corresponding to the transaction inquiry request according to the target transaction information.

[0109] Step S90: when the second risk level is lower than the preset level, unfreeze the funds of the target merchant.

[0110] In this embodiment, considering that the target transaction information is a variable, when the target transaction information is received, the second risk level corresponding to the transaction coordination request can be re-evaluated based on the target transaction information. It is easy to understand that when it is detected that the target transaction information is sufficient to prove that the transaction is a normal transaction or an abnormal transaction, the risk level is re-determined to obtain the above-mentioned second risk level.

[0111] Optionally, the merchant or agent can upload the target transaction information to the transaction coordination processing terminal. After the target transaction information is reviewed by risk control, the transaction coordination processing terminal can end the investigation record and release the frozen status of the funds.

[0112] In the technical solution of this embodiment, when the merchant's funds are frozen based on the first risk level being greater than or equal to the preset level, if the second risk level re-determined based on the target transaction information provided by the merchant is lower than the preset level, the freeze on the merchant's funds can be cancelled. This embodiment improves the flexibility of managing merchant funds.

[0113] Reference Figure 5 , Figure 5 The fourth embodiment of the transaction coordination processing method of the present invention is based on any one of the first to third embodiments, and after step S30, further includes:

[0114] Step S100, obtaining the receiving date of the target transaction data.

[0115] Step S110, determining whether the receiving date exceeds the processing period corresponding to the transaction inquiry request.

[0116] Step S120: If the receiving date exceeds the processing period, output a prompt message indicating that the receiving date has expired.

[0117] Optionally, considering that the deadline control of some transaction cooperation requests does not affect the progress of the business, after outputting the prompt information that the receiving date has expired, the step of sending the target transaction information to the bank is executed.

[0118] Optionally, if the receipt date exceeds the processing period, a prompt message indicating that the receipt date is about to expire is output.

[0119] Step S130, if the receiving date does not exceed the processing period, executing the step of sending the target transaction information to the bank end.

[0120] In the technical solution of this embodiment, the transaction coordination request sent by the bank often carries a processing deadline. This embodiment can detect the deadline corresponding to the transaction coordination request, and output a prompt message when the deadline is approaching or exceeded, so that the management personnel can understand it in time.

[0121] Reference Figure 6 , Figure 6 The fifth embodiment of the transaction coordination processing method of the present invention is based on any one of the first to fourth embodiments, and before step S40, further includes:

[0122] Step S140, detecting whether the target transaction data is complete.

[0123] In this embodiment, the data type of the to-be-acquired data obtained by parsing the transaction coordination request is used to determine whether the type of the target transaction data is consistent. If consistent, the data is determined to be complete.

[0124] Optionally, when the target transaction document type is more or less than the document type to be obtained, the transaction coordination processing terminal outputs a prompt message for manual review.

[0125] Step S150, when the target transaction data is complete, executing the step of sending the target transaction data to the bank end.

[0126] Optionally, the transaction coordination processing terminal can realize information sharing and process automation of the error platform system: the coordination process is changed from "pure manual offline" to "automatic online", which improves the processing efficiency of relevant personnel, saves communication costs, and realizes the real-time sharing of external coordination information; at the same time, intelligent information matching improves information accuracy and avoids information discrepancies; the business type of transaction coordination request takes order adjustment as an example, and the specific order adjustment coordination process is as follows: Fig. 6A As shown, after receiving the transaction inquiry request, the status can be recorded in real time to characterize the processing progress of the transaction inquiry request.

[0127] In the technical solution of this embodiment, by detecting whether the target transaction information is complete, the success rate of transaction coordination processing can be improved to avoid receiving prompt information that the information is unqualified sent by the bank.

[0128] Reference Figure 7 , Figure 7 This is a sixth embodiment of the transaction coordination processing method of the present invention, based on any one of the first to fifth embodiments, step S140 includes:

[0129] Step S141, determining whether the data type is basic data, the basic data including identity information, business license, bills and product pictures.

[0130] Step S142, when the data type is the basic data, determining whether the target transaction data includes the basic data.

[0131] Step S143, when the target transaction data includes the basic data, determining that the target transaction data is complete.

[0132] In this embodiment, when receiving the target transaction data, it can be determined whether the data type of the data to be obtained is basic data based on the previous analysis of the transaction cooperation request. If the data type of the data to be obtained is basic data, the transaction cooperation processing terminal can automatically review whether the target transaction data is complete.

[0133] In the technical solution of this embodiment, the review method for the target transaction information is selected by the information type corresponding to the transaction cooperation request, which can reduce the workload of manually reviewing the target transaction information and indirectly improve the processing efficiency of the transaction cooperation.

[0134] Reference Figure 8 , Figure 8 The seventh embodiment of the transaction coordination processing method of the present invention is based on any one of the first to sixth embodiments, and after step S141, further includes:

[0135] Step S144, when the material type is non-basic material, outputting prompt information for manual review, and the non-basic material includes video material.

[0136] In this embodiment, if the data type of the information to be obtained is not non-basic information, it is determined that the target transaction information required for the transaction coordination request is relatively complex, which is equivalent to determining that the machine does not have the ability to review the target transaction information or that the review of the target transaction information is prone to errors. Therefore, a prompt message for manual review can be output.

[0137] In the technical solution of this embodiment, the review method for the target transaction information can be flexibly selected based on the information type corresponding to the transaction cooperation request, thereby improving the flexibility of reviewing the target transaction information.

[0138] Reference Fig. 9 , Fig. 9 The eighth embodiment of the transaction coordination processing method of the present invention is based on any one of the first to seventh embodiments, and after step S20, further includes:

[0139] Step S160, detecting and outputting the processing progress of the transaction inquiry request in real time.

[0140] Step S170: output prompt information corresponding to the processing progress.

[0141] In the technical solution of this embodiment, the transaction assistance processing terminal detects and outputs the processing progress of the transaction assistance request in real time, and then outputs prompt information corresponding to the processing progress, so that management personnel can understand the processing progress of the transaction assistance more conveniently and intuitively.

[0142] To achieve the above-mentioned purpose, an embodiment of the present invention further provides a transaction coordination processing terminal, which includes: a memory, a processor, and a transaction coordination processing program stored in the memory and executable on the processor, and when the processor executes the transaction coordination processing program, it implements the various steps of the transaction coordination processing method described above.

[0143] To achieve the above objectives, an embodiment of the present invention further provides a computer-readable storage medium, on which a transaction coordination processing program is stored. When the transaction coordination processing program is executed by a processor, the various steps of the transaction coordination processing method described above are implemented.

[0144] It should be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or processing program products for transaction coordination. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention may take the form of a network configuration product program implemented on one or more computer-usable computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0145] The present invention is described with reference to the flowcharts and / or block diagrams of the methods, apparatus (systems), and transaction coordination processing program products according to the embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of the processes and / or blocks in the flowchart and / or block diagram, can be implemented by the transaction coordination processing program instructions. These transaction coordination processing 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 produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the process in the process. 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.

[0146] The instructions for processing the transaction coordination can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a product including an instruction device, which is implemented in the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0147] The instructions for processing these transaction coordination can also be loaded onto a computer or other programmable data processing device, so that a series of operation steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement 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.

[0148] It should be noted that in the claims, any reference signs placed between brackets shall not be construed as limiting the claims. The word "comprising" does not exclude the presence of components or steps not listed in the claim. The word "a" or "an" preceding a component does not exclude the presence of a plurality of such components. The invention may be implemented by means of hardware comprising several different components and by means of a suitably programmed computer. In a unit claim enumerating several means, several of these means may be embodied by the same item of hardware. The use of the words first, second, and third etc. does not indicate any order. These words may be interpreted as names.

[0149] Although the preferred embodiments of the present invention have been described, those skilled in the art may make other changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention.

[0150] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A method for processing transaction coordination, characterized in that: The method is applied to a processing terminal for transaction investigation, which is connected to a bank terminal and a merchant terminal. The processing terminal for transaction investigation stores basic information of multiple merchant terminals for comparison with the basic information of the investigation target to determine the target merchant. The processing terminal for transaction investigation updates the loss amount and processing channel in real time and synchronizes fraud data to visualize the asset loss transaction data. It also updates external risk data in real time to enable cross-departmental collaborative processing of risk data and build a black-gray sample portrait for the risk monitoring model. The processing method for transaction investigation includes the following steps: When receiving a transaction inquiry request sent by a bank, determining the target merchant and the type of information to be obtained according to the transaction inquiry request; Determining, according to the data type, whether the first risk level corresponding to the transaction assistance inquiry request reaches a preset level; When the first risk level is greater than or equal to the preset level, freezing the funds of the target merchant; When the first risk level is lower than the preset level, generating a data acquisition request according to the data type and sending the request to a merchant terminal corresponding to the target merchant, wherein the merchant terminal sends the target transaction data in response to the data acquisition request; Receiving target transaction information sent by the merchant terminal; Obtaining a date of receipt of the target transaction data; Determining whether the receipt date exceeds the processing period corresponding to the transaction inquiry request; If the receiving date exceeds the processing period, outputting a prompt message indicating that the receiving date has expired; If the receiving date does not exceed the processing period, sending the target transaction data to the bank end; After receiving the target transaction data sent by the merchant terminal, the method further includes: When the funds of the target merchant are in a frozen state, determining a second risk level corresponding to the transaction inquiry request according to the target transaction data; When the second risk level is lower than the preset level, unfreezing the funds of the target merchant; After the step of generating a data acquisition request according to the data type and sending the request to the merchant terminal corresponding to the target merchant, the method further includes: Real-time detection and output of the processing progress of the transaction inquiry request; Output prompt information corresponding to the processing progress.

2. The transaction coordination processing method according to claim 1, characterized in that: Before the step of sending the target transaction data to the bank, the method further includes: Detecting whether the target transaction information is complete; When the target transaction data is complete, the step of sending the target transaction data to the bank end is performed.

3. The method for processing transaction cooperation investigation according to claim 2, characterized in that: The step of detecting whether the target transaction data is complete includes: Determine whether the data type is basic data, where the basic data includes identity information, business license, bills, and product pictures; When the data type is the basic data, determining whether the target transaction data includes the basic data; When the target transaction data includes the basic data, it is determined that the target transaction data is complete.

4. The method for processing transaction cooperation investigation according to claim 3, characterized in that: After the step of determining whether the data type is basic data, the method further includes: When the material type is non-basic material, a prompt message for manual review is output, and the non-basic material includes video material.

5. A transaction coordination processing terminal, characterized in that: The transaction coordination processing terminal includes: a memory, a processor, and a transaction coordination processing program stored in the memory and executable on the processor. When the processor executes the transaction coordination processing program, the steps of the transaction coordination processing method as described in any one of claims 1 to 4 are implemented.

6. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a transaction coordination processing program, and when the transaction coordination processing program is executed by a processor, the steps of the transaction coordination processing method according to any one of claims 1 to 4 are implemented.

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